davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
US DEPT ED XXXX Balance : {$4200.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX
Consumer complaint received 2022-06-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (AL)

I did a balance transfer from my PayPal credit card in the amount of {$930.00} to a zero interest card. The zero interest card sent a check on XXXX XXXX. And the check cleared the bank ensuring that the money was received by PayPal. I have disputed the balance owed on several occasions. The balance reflects the payment for a short period of time and then it reappears after a couple weeks. I have a copy of the check that cleared, spoke with the manager after I sent the copy and the balance was removed and it was back again. After speaking to him it was removed once again only to reappear a few weeks later.
Consumer complaint received 2021-06-10
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC (CA)

The company is XXXX XXXX until XX/XX/XXXX they then sold the loan to Fay Servicing and XXXX XXXX and Fay Servicing and XXXX XXXX Foreclosed on XX/XX/XXXX. 
Re : property address : XXXX XXXX XXXX XXXX XXXX, CA XXXX On XXXX lenders tin XXXX account XXXX From XX/XX/XXXX through XX/XX/XXXX I was denied the opportunity to short sale this house. After the relators were approved by the lender for short sale, I was denied three times with three different relators all of whom were approved by XXXX XXXX and later by Fay Servicing and on all three occasions denied. 
Therefore forcing my into foreclosure on XX/XX/XXXX. I did not receive the 1099-A until after XX/XX/XXXX ( as the envelope was post marked XX/XX/XXXX, which I saved ). 
The 1099-A balance on principle XXXX, and the fair market value XXXX. 
The house was then sold in the summer of of XXXX for about the same amount as the market value. 
I did not receive any of the proceeds from the sale. 
I want a qualified written review. I do not understand why I did not receive any proceeds from the sale. 
I want to know why the lender forced me to keep this loan in my name for a year while refusing to either loan mod, keys in deed of lieu, or short sale. They threaten to foreclose and take the home but then they kept waiting and postponing the foreclosure date until it was financially coinvent for the lender to profit at the bowwers demise!! 

This is an EGREGIOUS ABUSE OF POWER. 

And because I did not receive the 1099-A until over a year later it caused problems for me in filling my XXXX income tax. 

I have made several attempts to resolve these issues both written and telephone to Fay Servicing, XXXX XXXX and XXXX XXXX and have not received any response. And in most cases I am put on extended hold for 10-20 or more minutes and no one comes to the phone.
Consumer complaint received 2020-12-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NJ)

On XX/XX/2020 I made a payment of {$4500.00} instead of my monthly car payment of {$450.00} in error. I immediately contacted Ally Bank, the company I make my car payments to and they stated I would receive a refund by XX/XX/XXXX. In the meantime, I continued to make my monthly payment ( {$450.00} ) for XXXX. And as of today, XX/XX/XXXX, I still have not received my refund and have been given the run around for weeks. I also made my monthly payment ( {$450.00} ) in XXXX as well. 

As you can imagine, I have anxiously been awaiting my refund for the over payment and multiple individuals have been able to track down the over payment, but unable to assist me in getting my refund. 

For example, today, XX/XX/XXXX, I spoke with XXXX from " Ally Bank '' ( XXXX ) XXXX XXXX who shared there was a check issued to XXXX XXXX with the payment referral # XXXX. She transferred me to XXXX, also from Ally Bank. XXXX confirmed a check was issued to XXXX XXXX. XXXX also shared a reference number of XXXX. Together we contacted XXXX XXXX. 

XXXX at XXXX XXXX informed XXXX that she does not handle this account and refused to do anything, but suggested an investigation might be necessary, but she had no record of this transaction. XXXX recommended another department to contact. XXXX and I were then transferred to XXXX at XXXX  XXXX. XXXX could not help and we were then transferred to XXXX who stated we had the wrong department ad said she could not assist us. 

With no other options I contacted my bank XXXX and spoke with XXXX. XXXX was unable to assist me so I was transferred to XXXX. XXXX at XXXX instructed me to contact XXXX directly because the refund check should have been issued to XXXX, not XXXX  XXXX. 

I then called XXXX at XXXX and spoke with XXXX. There was no information available about this matter. 

I called Ally Bank back again and spoke with XXXX ( female ). She confirmed a check was sent to XXXX and I then asked to speak with a supervisor. She tried for several minutes to identify a supervisor unsuccessfully. 

Since mid XXXX I have been waiting for a refund of {$4500.00} and a check was issued, just not to me. It is crucial that this matter be resolved and the fraudulent process be rectified.
Consumer complaint received 2020-12-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that don't even belong to me I am including a letter to explain about these items
Consumer complaint received 2020-11-18
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. (NJ)

The XXXX account on my report is incorrectly showing a 30 day late for XXXX of this year. I already spoke with XXXX, and they said they would fix it. I couldn't have had a late payment, as the loans were deferred by the CARES act. It has been 30 days, and my report still hasn't been corrected.
Consumer complaint received 2020-11-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have been disputing with the bureaus since XX/XX/2020, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/2020 I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/2020 and I still have not received any correspondence from any of the bureaus on the status of my request. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
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: Experian Information Solutions Inc. (GA)

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint XXXX XXXXXXXX, XXXX, XXXX & I am including it again., XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX Balance : {$12000.00} XXXXXXXX XXXX  XXXX Balance : {$9800.00} US DEPT ED XXXX Balance : {$5000.00} US DEPT ED XXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I believe I was a candidate to be part of a loan forgiveness back in 2005. My loan was transferred to navient and despite the many calls and submission of paperwork showing that I work for a public institution as a XXXX  and now as an XXXX  for the last 20 years I was never granted the opportunity to participate in the loan forgiveness programs.
Consumer complaint received 2020-11-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

My payments are sent by bank draft to arrive to Lakeview Loan Servicing before the XXXX of each month. My regular monthly payment is {$1000.00}, however, my draft is setup for {$1000.00}. I have been attempting to refinance my mortgage ( IRRRL ) and was advised by the processor on XX/XX/XXXX that they were still awaiting for my payment for XXXX to be processed so that they could request a pay off for the account. I contacted Lakeview and inquired as to why my account had not processed the payment and why do I have late fees showing on an account that has auto bill pay established? I was advised that " for some reason '' my payments are sent to a suspense account before being applied to my loan. The payment that was sent on XX/XX/2020 would not be processed until XX/XX/2020. My closing date for my IRRRL XX/XX/2020 was effected due to the company not processing my payments in a timely manner. ( I will submit another complaint in regards to how the IRRRL with Lakeview was repeatedly mishandled ). At that time when speaking with the Lakeview CSR, I requested an audit of my account but have not received any reply.
Consumer complaint received 2020-11-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent several letters to XXXX regarding information they are reporting regarding the accounts found below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Since XX/XX/2020, I have sent them letters asking them to verify these debts due to the fact that I have asked for " Validation '' from these alleged collectors that I have and they have not " Validated '' these debts!. Per the Fair Collections Practices Act, if a collection account can not be " Validated '' within the time frame allowed by law. ( 30 days ) the credit bureau in this case XXXX " MUST DELETE THE ACCOUNT ''. XXXX has failed to " Verify ''! XXXX has failed to " RESPOND TO MY LETTERS ''. For that reason due to the fact that they are in incomplete violation of the law, " THEY MUST DELETE THE ABOVE MENTIONED ACCOUNTS IMMEDIATELY '' That is all that I am asking for that they observe and respect the law.
Consumer complaint received 2022-04-25
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: EQUIFAX, INC. (NM)

in accordance with the Fair Credit Reporting act. in accordance with the Fair Credit Reporting act. The List of accounts below hasviolated my federally protecled consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 002 A. Stales I have the right to privacy.

15 U.S.C 1081 Section 604 A Section 2 : It also stales a consumer reporting agency can not fumish a account without my written instructions 15 U.S.C 1681c. ( X5 ) Section States : no consumer reporting agency may mako any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years XXXX XXXX XXXX XXXX via XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX via XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX via XXXX XXXX IN XXXX XXXX via XXXX INTERACT XXXX XXXX XXXX XXXX XXXX via XXXX XXXX via XXXX XXXX  XXXX XXXX XXXX XXXX via XXXX - XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX
Consumer complaint received 2020-11-18
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. (PA)

My personal information, birth certificate drivers license and social security card was stolen I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report I did not receive any money, goods, services or other benefit as the result of the events described in this report. 

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUNTS XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} balance 120 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX U.S. Department of Education XXXX XXXX XXXX {$2400.00} Inquiries Name Type XXXX XXXX XXXX XXXX Individual XX/XX/XXXX XXXX Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Individual XX/XX/XXXX XXXX Individual XX/XX/XXXX these accounts are hurting my credit dramatically they are in my chances of owning a home for my family please reconsider investigating this matter XXXX XXXX XXXX Credit card Closed XXXX XXXX Credit card Closed XXXX XXXX Credit card Closed XXXX XXXX Credit card Closed XXXX  Installment Closed XXXX Installment Closed XXXX / XXXX XXXX Closed DeptedXXXX Installment Closed XXXX XXXX  XXXX Credit card Closed Us Dept Ed Installment Closed XXXX/XXXX  XXXX Closed XXXX XXXX Credit card Closed XXXX/XXXX XXXX Closed XXXX Collection Closed Please investigate this matter immediately remove an inaccurate information
Consumer complaint received 2022-04-08
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. (IL)

I have attempted to review my credit on a monthly, if not on a weekly basis. On XX/XX/2022, I reviewed my credit report and saw that my date of birth, address, and my name was yet again misrepresented. Called the agency to correct this issue over the phone and was put on hold with no solution or feedback. 

As of XX/XX/2022, a letter containing a copy of my SSN and certificate of birth was sent by mail. This is now the 4th attempt to have this credit agency verify information with copies of my source documents. 

I have contacted Equifax for the last 7 years about this same issue. It is dishonoring to me and other people who have to go through this process. Please contact this bureau and investigate their process of verification.
Consumer complaint received 2020-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

On the week of the XX/XX/2020, I received information that my credit union, XXXX XXXX XXXX XXXX, would be merging with XXXX XXXX on XX/XX/2020. Included in that information was my new debit card -- I would later be informed that 40 checks and a guide for switching over should have been included, but they were not. 

On Friday the XX/XX/2020, after exhausting available options -- registering my new debit card online and in the ATM -- I went to a branch of School 's, now XXXX XXXX, to talk to a teller directly. My debit card was going to expire, and I would be cut off from all access to my bank. The teller discovered I had not received the transition information, and printed this out in person. I asked what would occur on the XXXX of XXXX, since he refused to authorize the new debit card, and my old one would expire -- he explained that the card itself would continue to work until the new card was authorized, and confirmed this with his branch manager ( lies told by employees, myself and dozens of other users in the thread we started have discovered ). Assured, I received my new member information and went home. 

I followed the instructions on the sheet to set up my account before the switch ; not only did the website deny I was a member, many of the links were not working. I discovered that the website and all their banking systems would go offline on Sunday, the First, when my bills were due. I watched in horror as a stream of declined card notifications rolled in, and when I started asking around, I realized I was not alone. I had to get someone else to pay my phone bill, just so I could call around, but all the bank 's phone lines are down as well. Someone was even trapped at a gas station ; this is unacceptable. No bank or credit union should be allowed to be this incompetent, cut hundreds if not thousands off from their money, maintain radio silence, and pick the worst possible date to do so. They should also not be allowed to lie to me and others as they had -- they're a credit union, not a XXXX XXXX. This is something they've handled terribly and I want some scrutiny and someone looking into this.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account & Inaccurate Information Linked To This Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX