davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-25
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. (MI)

XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Checking my report today and I noticed someone used my information to call about some stuff without my consent I never gave nor know about. I focus hard on making sure my credit is good to support my family and as you know under the Fair Credit Reporting Act anything reporting inaccurate on my account should be removed. Please do not add any remarks to report.
Consumer complaint received 2021-01-25
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: EQUIFAX, INC. (NY)

I mailed letters via certified mail requesting that the company verify the alleged debt and show proof if the debt was verified that the account was legitimately mine. The tracking from the first set of letters show they were delivered on XX/XX/2020 and the follow up letters were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. It has been more than 210 days and I have neither received any verifiable proofs that the accounts are mine nor have I received any letters stating the investigations were even started nor completed. The accounts do not show to be in dispute status either. Per the FCRA, 30 days is the time limit the bureaus have to complete their investigations, I have been more than patient due to the global pandemic but over 200 days and no results is wearing that patience thin. Should this continue, legal actions will be my next step against the bureau.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2021-02-09
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. (SC)

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been a month since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

On XX/XX/21 my debit card was used to make a fraudulent purchase which the bank alerted me to. However after finding the fraudulent charges valid during their investigation, the bank lost the opportunity to dispute these charges in the future. The merchants card processor prohibits additional disputes post the first dispute. Neither the merchant nor the bank will correct this.
Consumer complaint received 2022-09-27
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. (MI)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not XXXX a account within my written instructions. 
XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUS FM BUS ADMIN ODA XXXX XXXX XXXX -XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX For XXXX XXXX
Consumer complaint received 2022-01-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

I have been teaching for 17 years and continue to attempt in qualifying for Public Service Loan Forgiveness this last year. I have made payments consistently for more than 120 payments. Navient keeps informing me that my loan is not a direct loan but was informed by many other teachers that i can consolidate into a direct loan to qualify which they have. 

I can not get a straight answer or how to consolidate this loan to a direct loan after many phone calls and letter not helping to consolidate my loans.
Consumer complaint received 2021-11-11
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. (PA)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX Date of Inquiry XX/XX/2020
Consumer complaint received 2021-11-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (OR)

Navient has serviced a private loan for me for many years. I have spoken to many people on the phone about the minimum payment due ; and do continue to pay what I am able to monthly. They continue to call me and my mother, who is a co-signer, multiple times per day at ridiculous hours. I have informed many representatives that I live in the PST yet, daily, I get at least 1 phone call before XXXX. Just in the past week of XXXX I can reference the following, and these are all calls solely before XXXX. Each of these days they call at least 2/3 additional times within " allowable '' hours XX/XX/21 XXXX XXXX  XX/XX/21 XXXX XXXX  XX/XX/21 XXXX XX/XX/21 XXXX, XXXX XX/XX/21 XXXX, XXXX XX/XX/21 XXXX, XXXX They also continue to call my mother at work when she has asked many times to not be contacted there. I am aware of my debt and pay on it as I'm currently able, and I do make monthly payments so the relentless calls at ridiculous hours, for literally MULTIPLE years, seems unnecessary and has become incredibly inconvenient and stressful for both me and my mother who has an XXXX XXXX exacerbated by stress.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (TX)

My Identity was stolen on dates around XXXX - XXXX Accounts have been opened in which I am receiving harassing phone calls even though I have done everything on my part to file police reports and provide all necessary documentation proving only my personal information was used without my consent or knowledge. Please assist me in getting this resolved once and for all.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

Subject : Urgent Dispute of Reporting Account Not Verifiable as Debt NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am writing to express my deep concern and formally dispute the reporting of an account that is currently impacting my life in significant and detrimental ways. This account, which is now considered income according to IRS guidelines, should not be reported as a debt. Which means this account should not appear on my credit report at all, as it is violating my consumer rights. 

Account name : XXXX XXXX XXXX Account number : # XXXX The continued Illegal and unfair reporting of this account has made my financial situation extremely difficult. I can not get approved for loans, credit, and even basic necessities, as this account casts a shadow over my creditworthiness. Under 15 U.S.C. 1666b, creditors can not report charges that can not be verified as legitimate debts. Additionally, 15 U.S.C. 1681 ( i ) ( a ) ( 5 ) requires that any unverifiable or inaccurate information be deleted from consumer credit reports. 
This account has profoundly affected my life. Due to the negative impact on my credit score, I have faced serious challenges, including periods of homelessness. Its hard to put into words how deeply this has affected menot just financially, but emotionally as well. The stress and degradation of my self-worth from dealing with this situation have been overwhelming. I never imagined that an unresolved account could lead to such dire consequences.
Consumer complaint received 2021-01-25
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. (NC)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2022-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 given reporting agency can not furnish an account without my written instruction.

15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2019-10-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (AR)

Between XXXX XXXX, Chrysler Capital and XXXX {$2500.00} was written up and added unknowingly to my loan and {$6500.00} down payment for 10 % changed after signing papers by XXXX XXXX finance manager and have fought for years and the money was to go back to Chrysler capital in XXXX and as of today never did. I received extensions in XXXX and recalled in two weeks by letter and had 5 days to pay {$810.00}. Got an extension in XXXX and I filed a complaint with the AG office and Chrysler which the insurance money never sent back by XXXX XXXX Chrysler stated and now they want to give me what's left. 
XXXX of XXXX XXXX from Chrysler Executive office called and told me to continue my monthly payments. This was after the extension. XXXX of XXXX I get a Cease and Assit and repossession letter. XXXX XXXX told me to handwrite a letter telling them they could call me since someone wrote I said do not call me. It was removed. I have made every payment from XXXX last year before talking with XXXX to XXXXSomeone tried to break in the car called police and called XXXX and told I would make payment on the XXXX on the XXXX they stole my car and sent me a bill for {$2300.00} and until the XXXX or will sell my car. I have talked with Miss XXXX, Miss XXXX who on the XXXX did not call me back also on Wednesday as promised and on Thursday XXXX XXXX told me to send in all payments from XXXX of XXXX until XXXX since it stated I missed XXXX, XXXX and XXXX and I sent the email to him and today I called he's away from his desk, XXXX said she or he would call me back. No one has called me and it's XXXX XXXX and Monday is the last day before they sale my car. They know I have proof that they took my car wrongfully because the system sent out a cease and assist letter as XXXX stated that it does sometimes if there is verbish on the line it can go out automatically.They are refusing to call me so they want have to correct what they have done and sale my car. This is the 2nd time their system has caused me problems. All I owe them is for XXXX {$400.00} since XXXX and I agreed in XXXX of XXXX to make my payments.I have done that 17 payments and they want call back they want to sale my car to keep from admitting the system did this. Please help, I need my car.
Consumer complaint received 2021-02-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (CA)

I've applied for a refinance loan through XXXX XXXX at an interest rate of 2.75 %. After all the paperwork had been submitted ( sometimes twice ) they moved from XXXX XXXX  to XXXX XXXX which required more information further delaying the process. During this time the interest rate dropped to 2.5 % and per the XXXX  policy, if the consumer contacts them to acknowledge the drop in interest rate, XXXX  is obligated to lock in the lower rate. During the week of XX/XX/XXXX I contacted one of the people working on my loan to alert them of the lower rate and on their recorded line, they confirmed that they my rate was now locked at 2.5 %. I either spoke to XXXX XXXX, XXXX XXXX or XXXX XXXX all of whom were working on my loan. The only thing left was to complete an appraisal on my home which was scheduled for XX/XX/XXXX. During this time interest rates began to increase once again, currently at 2.875 % The appraisal was conducted on schedule completing XXXX requirements. A few days later I was contacted by XXXX XXXX who told me that XXXX XXXX had been sold to Guaranteed Rate out of XXXX IL. and that there was a chance that I may lose the 2.5 % interest rate that XXXX  had previously committed to on a recorded phone line. I was asked to wait for a week while they sort things out which I did. When I reached back out XXXX XXXX to ask what was going to happen he told me that Guaranteed Rate would NOT hold the interest rate that XXXX  had previously committed to and that it would be at the new higher rate. 
I find this to be a breach of verbal contract. I've submitted everything that they required of me in good faith in return for a financial product that they committed to prior to the change of ownership of their company. The obvious solution during a transfer of ownership would be to honor any applications in process, especially those that have nearly been completed and go forward with current market conditions thereafter. 
As a consumer, we are required to sign all sorts of legal binding documents that protect the lender but where are our protections as a consumer when it comes to commitments made to us. I'm hoping the Consumer Financial Protection Bureau can intervene here to cause XXXX XXXX, now Guaranteed Rate, to operate in an ethical business manner and fulfill their committed obligations. 
The loan number they issued for this application is # XXXX and XXXX # XXXX
Consumer complaint received 2022-10-12
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. (NC)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX / XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$4000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2021-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (KS)

BSI Financial Services failed to disburse payments from our escrow account and we received a delinquent tax notice stating our real estate taxes hadn't been paid. Upon further investigation it appears that BSI did not disburse payments for taxes. I called BSI this morning ( XX/XX/XXXX ) and after they tried to blame me for the funds not being disbursed, I finally got them to admit fault and submit the payment. I asked for something in writing saying that they failed to disburse the funds on time and that we made all payments to BSI on time so that I could use that to make a dispute with the credit bureaus if this ends up on our credit report. They refused and said there was nothing that they could provide. They did say that they were going to make the tax payment right away but I haven't received confirmation stating that they have been paid yet. 

Specific dates : XX/XX/XXXX : We closed on our home through XXXX XXXX, XXXX. 
XX/XX/XXXX : We received a notice from XXXX XXXX stating that our mortgage had been sold to XXXX XXXX from XXXX XXXX, XXXX effective XX/XX/XXXX. 
XX/XX/XXXX : We received a letter from BSI with information for our payment options stating that our payment was due on XX/XX/XXXX. 
We mailed a check for that payment on XX/XX/XXXX. 
We set up automatic withdraw for future payments and received a notice saying they had successfully been set up on XX/XX/XXXX with the first payment date being XX/XX/XXXX. We made the XXXX Payment online and the XXXX payment was drafted on the 1st as promised. all payments have been paid on time. The payments show they are collecting for Principal, Interest, Taxes, and Insurance.
Consumer complaint received 2022-12-19
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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. (SC)

I have been a victim of identity theft and the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by me nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting.. 
I need the following inquiries deleted as soon as possible : 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 XXXXXXXX XX/XX/2021