davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I noticed on today XX/XX/2021 that my XXXX XXXX had dropped and I was in total shock it was because there's a loan on it from XXXX XXXX  that appears as upgrade I never ever applied for this loan I wouldn't know how to this is a fraud and scam by someone who might be close enough to me to have all my personal information it isn't fair for me to have to pay back a loan that I didn't apply for in the first place. This loan is ruining my credit. They should be more careful when giving out loans to people and should remove their loan from my transunion and XXXX account. I don't have an address associated with the address of that loan.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (WA)

I was named as one of the person in XXXX XXXX XXXX class action suit me and my mother who has passed away in XX/XX/XXXX ( god rest her soul ) she was my co-signer on my auto loan in Nevada state. XXXX XXXX was aware of her passing and issued me a check for XXXX for the damages in which they decided was a far amount when i recieved the check it said to the astate of my mothers name and then my name with her being dead they should have not even put her on the check and if they where going to do that they should have said or instead of and so i took the cashers check signed the back of the check to my daughter and she depoited to her account with key bank. They emailed her and said that the funds would be released in 5 days and then 2 more, she called the bank and told them who her dad was and how it was his cashers check they said oh we do not cash 3 party checks i stated that it was a cashers check it did not matter.my daughters account had a fraud hold on it ment she could no longer do anything with that account. They held the funds in her account for 30 days. And she had her direct depoist from work put into the same account. She was able to go to the key bank and they wrote her a check for that amount depoisted and she took it up to the teller and they cashed it for her, on a account that was on a frozen account but there was never any fraud done on the account .They where aware that my dad signed that check over to my daughter and it was her account so where is the fraud on the account. 33 days later the funds are gone and her account is not frozen anymore so i called key to see where the funds went i assumed they set it back to wells fargo no they put it into a fraud account and said i needed well fargo to write a hold harmless agreement to release the funds wells fargo said they would do any thing they wanted, but they cashed the cashers check and they can not do anything when they took the money if the money was sent back and the just held onto the check that would be totally different. They cashed it. So if i did not want to do that my last option was i could open astate account for my dead mother etc.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (NC)

I've been denied 2 jobs due to incorrect reporting from Checkr. In XXXX I tried to get this corrected. The company reported that I had a bad check charge from 10 years prior to XXXX. I contacted the clerk of court office in the county where this charge was reported. They gave the name of the company that filed the charges and I reached out to them. The owner said he has since closed the business and had no records. I contacted Legal Aid who said they don't usually handle this type of situation and they found no charges based on my name, dob and social security. I was to start a job on a Monday and received a call the previous Friday that stated my background check had negative information and they could no longer offer me a position. I notified Checkr of info from Legal Aid but they would not look into the issue. I've been told it would cost me {$1500.00} to have an attorney to remove this from my record. When applying for jobs I have to explain that I've never been charged with anything but there is something on my record from early XXXX. In XXXX of XXXX I had a background check for XXXX ( XXXX XXXX XXXX XXXX ) and it took 30 days to submit info to XXXX which prevented me from earning income. I can't afford to hire an attorney to assist with this issue. At the time of this charge I was employed with the XXXX where I worked for 14 years. I never received any court papers about any charges other than a XXXX XXXX. There are multiple women in NC with the same name as mine. When I moved to this state in the XXXX 's I went to a store to purchase needed items for the home. I wrote a check and was told they had a worthless check on file and couldn't accept that form of payment. I was able to provide information to prove I had never written a check to them based on my SS #. From then on I no longer wrote checks and only paid cash.
Consumer complaint received 2022-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (NC)

I applied for, and received, PSLF through the temporary waiver. 
I was working with both FedLoan servicing and Federal Student Aid to try to resolve this case.

I have applied for RECONSIDERATION on the FSA website. There has been no resolution and I get emails telling me I can reapply for reconsideration. I have sent many notes/complaints and emails. I have called innumerable times, but most recently on XX/XX/XXXX when I had both FSA and FedLoans on a 3 way call. Both stated they could not help me and blamed the other as the one in charge of fixing the problem. In essence, both refuse to help. They tell me neither can resolve this claim-. 
( case # XXXX XXXX, XXXX, XXXX, XXXX ) I began paying my loans in XX/XX/XXXX. The PSLF program began in XX/XX/XXXX. 
From XX/XX/XXXX to XX/XX/XXXX, I was employed at XXXX and XXXX XXXX. Both are XXXX XXXX XXXXXXXX entities and have been certified as such by FSA and FedLoans. My jobs were but deemed eligible by FSA and FedLoans. My loans were forgiven under the PSLF waiver.

My loan DISCHARGE date is incorrect and all my loan payments were not counted. 

I made 175 payments, which is 55 payments over the necessary 120 payments for PSLF. 

Essentially, my payments from XXXX were NOT counted/certified by FedLoans.They refuse to go back and certify these payments as my case has been " closed. '' I can not get a refund because no one can certify these payments, though both FSA and FedLoans tell me they see the payments, and that I am owed this money.

My discharge date is INCORRECT. It was set as XX/XX/XXXX. However, 120 payments starting in XX/XX/XXXX would make my discharge date XX/XX/XXXX. That means payments from XX/XX/XXXX to XX/XX/XXXX are over the 120 payments and should be refunded to me. 

I am owed a refund for the overpayment of 55 payments under PSLF program. I paid approximately $ XXXX per payment.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I asked them to verify the debt on account. They verified said debt and upon further investigation on my own behalf I found that there were still some inaccuracies, therefore a thorough investigation could not have been done. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-05-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanFlight Lending, LLC (CA)

I applied for a refinance loan for my residence ( a house ) with Loanflight Lending LLC of XXXX, FL. ( NMLS XXXX ). The terms stated on the initial loan estimate of XX/XX/XXXX states 2.875 % interest for 30 years, 0 points. On XX/XX/XXXX they sent me an updated closing disclosure. It shows an increase in closing costs but the terms were unchanged. Significantly, it shows 0 points. On XX/XX/XXXX XXXX XXXX from Loanflight called me to inform me that my rate lock expired but that they were going to extend it. He did not mention the addition of any loan origination charge. After the final condition was apparently withdrawn ( several conditions that did not have any bearing on my ability to pay back the loan were apparently withdrawn - more on this later ), I was sent what should have been the final closing disclosure on XX/XX/XXXX. In it Loanflight had sneaked in a .63 % loan origination fee which was not in the previous disclosure nor mentioned to me previously in any form of communication. In my case the .63 % amounts to {$1700.00}. I guess they just hoped I would sign without noticing it? Also, the APR is missing from this disclosure even though it appears in the previous disclosures. 

In his email of XX/XX/XXXX, the loan officer, XXXX XXXX ( NMLS # XXXX ) explained that this fee was tacked on because the rate locked expired. But the rate locked expired because they had placed two conditions on the loan that I could not satisfy ; 1 ) Provide proof of homeowner 's insurance on an unrelated condominium that I own, and 2 ) have a judgement, by a child support agency, removed that ensures that I continue to pay {$120.00} in monthly child support until XXXX. With regards to the first condition, my condo is not being used as collateral for the loan and the lender on that mortgage does not even require homeowner 's insurance. With regards to the second condition, it's not even possible to clear a child support judgement until the child support payments are completed. They don't seem to know this. Btw, I voluntarily requested my payments be automatically deducted from my paychecks until my obligation ends in XXXX, XXXX. Apparently, both conditions have been withdrawn ( maybe because they are irrelevant? ). But trying to meet these conditions caused the loan closing to be delayed and the rate lock to expire. 

They didn't get away with this because my loan app is for a refi and I could walk away from it. But I wonder how many home buyers were forced to accept this trick in order to close escrow on time. I know this is unethical but you decide whether it's illegal.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

on XX/XX/2022 ive disputed many inaccuracies on my report. ive asked for an investigation to be conducted and for them to please remove any inaccuracies from my report. i received no response to any of my request to investigate and in fact only received a stall letter from transunion on XX/XX/2022 accusing me of using a third party which has nothing to do with them conducting the investigation that i requested and complying with my written instructions to remove all inaccuracies from my report. they continue to report late payments which are not accurate and continue to violate my HIPAA rights by reporting a medical account and continue to report accounts that they can not provide validation for. these accounts are inaccurate and a defamation to my character. according to federal credit law spelled out in the FCRA, a credit bureau is required to respond to you and complete their investigation within 30 days. if they do not respond within this time frame, they must remove the negative listings disputed. ive sent a follow up letter and still received no response and it has been 40 days since ive disputed these accounts and asked for an investigation which is a violation of my consumer rights.i would like these negative accounts removed from my credit report.
Consumer complaint received 2021-04-01
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management (WI)

Received a notice for small claims from a law firm in my state regarding a debt from Plaza Services when I had never received anything by mail from this company first, attempting to collect any debt. I tried contacting them via the XXXX  but they told me to get in touch with the law firm handling the debt instead of them.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-08-25
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AR)

I am in military and had to move due to service. On XX/XX/XXXX I made a principal payment of XXXX dollars because we had an offer on home. During that time I have had several problems on XX/XX/XXXX I called because it was not done. They told me that I they made a mistake and would correct so I could close. Since then called everyday nothing was done. I also made another XXXX principal payment that was not paid to principal. Long story short I was suppose to close and lost the chance to close on my house because of carrington mortgage
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.