davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$350.00} XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2021-03-30
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CA)

-We applied for our refinance XX/XX/2021 and was assigned Loan officer Ms. XXXX and processor Mr. XXXX . We had questions concerning what we would qualify for and asked for the guidance of the loan officer. It was not until a month later after calling and emailing Navy Fed repeatedly that we were directed to submit a different application for our refinance XX/XX/2021. 
-We were given a new loan officer Ms. XXXX and processor Ms. XXXX XX/XX/2021 to resubmit all paperwork and ink signatures for processing. We completed the paperwork within 72 hrs and submitted again to Navy Federal.

-We were given conditional approval XX/XX/2021 -XXXX XXXX, XXXX I was contacted by the Navy Fed appraisal division to schedule the appraisal. The lady who called, XXXX XXXX, asked for my password to log into my Navy Federal account at which point I halted further conversation and asked her to verify her identity. I had to call Navy Federal and check her credentials because I knew it was not protocol to have to gave out your password to any employee over the phone. The Navy Federal customer service rep I spoke with verified she worked with Navy Fed and emailed her supervisor to notify them of what happened and also directed me to work with my loan processor to schedule the home appraisal. I notified our loan processor to move forward with the appraisal that same day. I heard nothing back for two weeks so I called XX/XX/2021. The appraisal was not scheduled. I requested and paid XX/XX/2021 for the appraisal to be processed. Two additional weeks have passed and I still havent been contacted for the appraisal date. 
-I already submitted paperwork via homesquad for review for all work verification, tax info etc. everything requested we sent in a timely manner. 
-My husband now has military orders to XXXX in XX/XX/XXXXand we were just notified that our refinance request has been passed to another team for processing! 

There have been too many hands on this request and it is still nowhere near completion. This is beyond absurd and no way to do business thinking youll have repeat customers. Never again!
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am disputing my public and personal information on all 3 of credit reports.The infomation being reported is incorrect and not accurate. 
XXXX, Transunion and transunion
Consumer complaint received 2021-03-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (ID)

My name is XXXX XXXX, and I am a XXXX XXXX woman. I live alone in XXXX XXXX, Idaho and survive on {$1000.00} a month in social security benefits. A friend helped me write this letter. 

On XX/XX/2020 I went to XXXX XXXX, located at XXXX XXXX XXXX XXXX , XXXX XXXX, ID XXXX, for a free examination and x-rays. By the time I left, they had charged me {$1600.00} for deep cleaning. I met with a front office employee of XXXX XXXX that day, but the conversation was confusing, rushed, and I felt pressured. She had me sign something that I did not understand, and only later discovered was a {$1400.00} loan from a company called Dental First Financing/Comenity. I have a mental condition that I take medication for ( which I disclosed on the XXXX Dental registration forms ) and I honestly did not realize what I was signing until I started receiving bills. If I knew my free visit was going to end up costing me over {$1600.00}, I never would have gone there. Under no circumstances would I have knowingly taken out a loan like this when I am barely making ends meet! 

Since late XX/XX/2020, I have tried several times to resolve this on my own by speaking to the office manager of XXXX XXXX, a woman named XXXX. I also disputed the bill with the finance company, but they still say I owe them money. I do not believe I should owe them anything because I did not know what I was signing. My XXXX, and the high-pressure environment at XXXX XXXX, made it impossible for me to understand what I got pushed into. I called the finance company again just recently and they wanted to charge me {$9.00} to speak to a higher up representative to get this resolved. This was so upsetting, I hung up on them. 

The emotional harm this experience has caused me is beyond words. I cry every time I think or speak of it. I feel like XXXX XXXX exploited me as an elder, violated my rights under the American with Disabilities Act, and failed to follow lending laws by not clearly informing me of what I was signing. I can not afford a lawyer and am asking that you please help me hold these people accountable. 


Thank you so much for your time and efforts on my behalf.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

I went to a car dealership to apply for a lease for a new vehicle and they told me they were only going to run my credit for their in house financing but they LIED!! they ended up running my credit to more than 10+ lenders WITHOUT MY PERMISSION! Very frustrating this has impacted my finances tremendously for me to only find out this is IDENTITY THEFT! These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I received this card from the Unemployment department to receive my unemployment benefits. There were no transactions other than the weekly deposits until XXXX when I went to the Bank of America branch to make a withdrawal of {$5000.00}. Two weeks later on XX/XX/XXXX through XX/XX/XXXX transactions started appearing on my account totaling {$1700.00}. 

As soon as I realized this I contacted Bank of America on XXXX, they said they would open a case and would receive instructions on what to do next. 

On XX/XX/XXXX I called Bank of America because I had no received anything in the mail to which I was advised that my claim had been closed on XXXX and to which they didnt specify the reason why it was closed. They said it would be reopened and I needed to wait. 

On XX/XX/XXXX I called back because I had not heard anything, they told me the claim had been closed and didnt give me a reason either but supposedly they would reopen. 

From XXXX to XX/XX/XXXX I called asking to speak to a manager because they would not be able to give me information on why my case had never been reopened. Asked to speak to a manager several times and every time my call would get transferred somewhere then it would get disconnected. 

On XX/XX/XXXX i filed a claim with the XXXX  XXXX  XXXX. 

On XXXX I received an email from XXXX XXXX XXXX Resolution Specialist Regulatory Complaints stating that she would be taking care of my case but never heard anything back. I checked on the XXXX  website and they never received a resolution to the claim. 

The situation was very frustrated and I felt like I had nowhere else to go but to give up until a friend referred me to this website. I feel very frustrated for this situation. I was unemployed for almost a year and I really need the money to pay for my bills.
Consumer complaint received 2021-03-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

A few months back I filed disputes with the credit bureaus. The disputes were for. 

XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX ) I do not owe them money I cancelled them when I moved out. This is showing on Experian and XXXX. 

XXXX XXXX XXXX ... XXXX This account is over 7 years and needs to be remove. Showing on Experain XXXX XXXX ... XXXX .. This is is over 7 years old and needs to be remove ..Showing on Experian. 

Now that you have all the facts I hope you can help me with this and get these remove from my reports.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I contacted TransUnion on Tuesday XX/XX/2021 starting at XXXX XXXX XXXX  regarding unauthorized inquires that have appeared on my credit file through the last 2 years ( XXXX ). Each representative that I spoke with and the supervisor XXXX XXXX XXXX were unwilling to help me.
Consumer complaint received 2022-08-01
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: EQUIFAX, INC. (MD)

In accordance with the 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 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Debt Validation Dear, XXXX XXXX of the XXXX I am writing regarding a notice I received concerning an alleged debt in the amount of {$120.00} associated with my account number. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I respectfully request that you provide full validation of this debt. 

Please supply the following information : 1. The name and address of the original creditor.

2. A detailed accounting of the alleged debt, including the amount and how it was calculated.

3. Copies of any agreement that you claim I have signed or that shows I am obligated to pay this debt.

4. Verification of your legal right to collect this debt on behalf of the original creditor.

While this information is being investigated and verified, I request that you cease any and all collection activities related to this matter. Additionally, please do not report this debt to any credit reporting agency until it has been properly validated. 

I would appreciate your prompt attention to this matter and request that you respond within 30 days, as required by law. Failure to provide adequate validation of this debt will result in my exercising my rights under the FDCPA to dispute this debt. 

Thank you for your attention to this request. Please send your response to the address listed above. Sincerely, XXXX XXXX
Consumer complaint received 2021-03-31
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

So I have mailed in the same inquiry dispute over 15 times. I finally called Experian & & after being transferred 4 times I finally each someone. I spoke to the rep who said they did not process none of my disputes I sent in because I said they were " erroneous ''. Erroneous means " wrong '' which they were, but besides them being erroneous I also mentioned in my letter and I quote, " Upon reviewing my credit report, there has been an erroneous amount of inquires madewithout my consent. These inquiries below were made without my knowledge or consent and Iwould like to be provided proof that consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed immediately ''. - End quote. I mentioned the inquires were not consented by me which clearly states I did not create the inquires. Proper wording on my part, but that's not the kicker. The rep then presedes to imply or assume I made the inquries which is not his job. I have attached the FCRA laws involving the dispute process since no one knows what the law states anymore.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have tried to resolve with the XXXX XXXX  XXXX. I have tried to contact and sent email to them multiple times, they have not responded or put any effort to help with resolve the issue. They are reporting that i was late on my payments however that was never the case.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (KS)

I submitted a complaint against XXXX  on XX/XX/2021 because incorrect and outdated negative information was being reported by XXXX  even after I provided supporting documentation. A supervisor even admitted that they had received updates from the lender to delete the information but refused to do so because of a unrelated pending dispute. 

Part of the original complaint was that XXXX was factoring a paid collections account into my XXXX XXXX in direct conflict to information regarding the scoring model on their website and listed on various other consumer sites. 

Today after positive information was added regarding my newly transferred active student loans which were previously in default my score dropped 30 points. There was no negative information included in any way shape or form and should have increased my score since o have no delinquencies or collections on my account. As far as research I was able to study the XXXX XXXX is calculated as such : Payment history- 35 % Credit utilization : 30 % Credit age : 15 % Credit mix : 10 % New credit or inquiries : 10 %. 

Today I received an email from XXXX  regarding how my score is calculated, which I do not believe is a coincidence since it should have improved not gotten worse. Ive attached screenshots from that email. After searching the web for hours I could not find any published information regarding this version of XXXX XXXX It goes as follows ; Payment history : 40 % Age and type of credit : 21 % % of credit limit used : 11 % Recent credit : 5 % Available credit : 3 % I believe this change to how my credit report is being scored is a direct retaliation for submitting a complaint to CFPB. I have searched credit forums, message boards, knowledge base articles and can find no reports of a similar scoring system being represented as XXXX XXXX. There needs to be an investigation and consequences for what I see as a blatant attempt to sabotage my financial stability and punish me directly for submitting a CFPB complaint.
Consumer complaint received 2021-03-31
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. (CA)

I am very upset there are two accounts on my credit report and 3 inquiries that do not belong to me I need these off my credit this is clearly identity theft and nothing is being done buy the bureaus regarding this after sending multiple letters to them. 

XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX  XXXX  XXXX/XXXX  - XXXX INQUIRIES Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX 2019
Consumer complaint received 2022-07-22
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)

In accordance with the Fair Credit Reporting Act, XXXX and XXXX ( XXXX XXXXXXXX XXXX ), account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-03-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I recently sent a letter of verification to Experian, XXXX and XXXX. I sent that letter about 35 days ago and have yet to hear anything back from them. I ask that they supply me with information on how this account was verified and why was it showing up on my credit report. I don't feel as I am liable for the debt that is being reported on my credit report.
Consumer complaint received 2022-09-27
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. (NY)

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 Bum. 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2021-11-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AL)

My loans ( Direct subsidized and Direct unsubsidized ) were transferred to XXXX in XX/XX/2018. Since this time NONE of the payments that I made to Navient ( 43 payments ) or Sallie Mae ( 7 payments ) before the transfer have been counted by XXXX. The three attachments show my payments made to Navient and the corresponding missing information in the XXXX online system. Under PSLF and TEPSLF payment counts XXXX shows these dates as you do not have a bill due for this period and counted as ineligible payments. This is not correct. Nearly {$35000.00} in payments that I made toward my PSLF are not in their system. I have made 169 total payments ( out of the required 120 ) and need to have this payment information corrected for PSLF. I have contacted XXXX and Navient multiple times about this with no assistance. I have called and spent hours on the phone to be disconnected. I have filed a complaint with the US Dept Education and received an email on XX/XX/XXXX ( case XXXX ) that I would hear from the case worker in 15 days and that it should be resolved in 30 days. I can not get an update by email or a returned phone call. This needs to be corrected before the {$1000.00} monthly payments resume in XXXX. I have completed al requirements under the revised PSLF guidelines. This information needs to be corrected.
Consumer complaint received 2021-05-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

Experian failed to delete XXXX account from my credit report after I send them multiple disputes and challenges for inaccurate date of last activity. XXXX  is showing XXXX XX/XX/XXXX XXXX, Experian is showing ( XX/XX/XXXX ) and XXXX  is showing ( XX/XX/XXXX ) additional information : all 3 credit bureaus should report 1 date of last activity because its coming from 1 Creditor.