davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-31
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-06
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX Account ( s ) : XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number 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 an account without my written instructions.
Consumer complaint received 2023-04-06
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I was issued a refund check back in XX/XX/XXXX for a vehicle accident that took place, after being put at fault for this accident that I did not cause I was told that I was to schedule receive a refund check for a reimbursement to get another vehicle. The check was delivered in XX/XX/XXXX to my previous address, this check was then stolen and my name was fraudulently forged and misspelled on the back and this check that was cashed in XX/XX/XXXX at a XXXX XXXX atm machine, the next day it shows that the funds were approved and released. Who verified the names match the account and released the money before further investigating After filing several complaints, and police reports, and speaking with multiple individuals to get this rectified, I finally received a fraud statement claimant on XX/XX/XXXX I was told this would take approximately 90 business days before this was settled. 

Today 's date is XX/XX/XXXX, the 90 business day period has now passed, and every time I reach out for an update I am still being told that this is still in " progress '' status. Nobody can tell me anything else or when I should expect my payment from USAA.
Consumer complaint received 2024-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

These are the accounts that I have ask XXXX, XXXX, and Transunion to remove from my report because they do not belong to me. Ever since all 3 bureaus has had a data breach to where my information that they are supposed to keep safe and not let anyone pull my credit or place anything on my credit has been hack and now everyone has my information. These accounts and inquiries need to be validated if not validate correctly it needs to be removed as soon as possible from my credit. I need the original purchase agreement for debt, Insurance claim of the debt, the XXXX with the original creditor, and the statute of limitations and last payment missed on the debt if this was my debt. These are the Collection 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 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 2023-04-06
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LD Holdings Group, LLC (FL)

My original loan with The Loan Depot # XXXX was transferred XX/XX/2022. During this time, my payment was mailed to the original loan number and address. While being changed to loan # XXXX, my XX/XX/2022 payment and XX/XX/2022 payments were marked late due to the both being sent to the wrong address ( original loan payment address ). Then in XX/XX/2022, I sold my home and the loan was paid off. It is my understanding that it is illegal for a mortgage company to mark any payments late during a loan transfer period. This is exactly what happened here and i want my credit report corrected. I am a Veteran and this is keeping my from obtaining a new home.
Consumer complaint received 2023-04-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MN)

XXXX CLOSED????? 

I have more feedback on this issue. 

It is NOT RESOLVED YET. 

Wells Fargo claims " We've been unable to establish contact with our customer, XXXX XXXX XXXX. '' They called but NEVER LEFT ANY MESSAGES on my voicemail. 

They then send a letter saying they are working on my issue. 

They LIED about trying to reach me. They made no effort to communicate like normal companies and leave a name and phone number. 

AND my big issue... .you allowed this case to CLOSE when it is IS NOT RESOLVED! 
and no easy way to keep or re-open it. 

Seriously?
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$430.00} ; XXXX XXXX Balance Owed : {$8600.00} ; XXXX XXXXXXXX Balance Owed : {$770.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$89.00} ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX
Consumer complaint received 2023-03-11
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. (TX)

In accordance with the Fair Credit Report Act, XXXX XXXX XXXX, has violated my rights by reporting its fraudulent account to XXXX, XXXX and Equifax credit bureaus. I have no open accounts with XXXX, nor have I ever done business with XXXX or any business it may represent. I have had no communications with XXXX before its reporting of said fraudulent account. This is a snapshot of what was reported. 

XXXX XXXX XXXX Last reported XX/XX/2023 {$2300.00} Open XXXX  XXXX XXXX XXXX XXXX XXXX Original creditor XXXX has violated my rights under these codes : 15 U.S. Code 1681 ( a ) ( b ) - Congressional findings and statement of purpose 15 U.S. Code 1692e - False or misleading representations A debt collector may use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Consumer complaint received 2024-10-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: FORD MOTOR CREDIT CO. (FL)

my name is XXXX XXXX XXXX XX/XX/XXXX XXXX l financed a vehicle through ford credit ACT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  my vehicle was repossessed. 

XX/XX/XXXX called ford XXXX XXXX at XXXX XXXX  and spoke to XXXX and l had 2 inquiry with XXXX XXXX was copy of. the loan contract and information to reinstate my loan and pick up lot info. 
when l requested the loan contract to be sent to me XXXX was very unwilling to do so which l felt it was un ethical even asked for me to call the DEALER SHIP WHERE l purchased the vehicle. proceeded to tell her can't l get the contract from ford credit the contract from ford credit. XXXX got noticeabley agitated she had me on hold for over 15 min and then said it will be mailed to me. then said now l will interview you on reason for repo. then immediately followed up with the loan WILL NOT BE REINSTATED. l explained to XXXX that bank made an error they sent the payment twice and then retracted twice and didn't give a reason l begged XXXX to to please re consider she said to speak with her supervisor name XXXX. she sent to his extension and l left several voicemail and XXXX has never called me back. l then called and spoke to another redemption team member name menni and she went through the actt info and expressed that it didn't make sense to her why XXXX didn't reinstate the loan it was a uniq situation l also at this point paid through XXXX XXXX. all the past due balance and towing fees to show good faith.l even offered to make a additional downpayment deposit XXXX  again they said XXXX would call me back and the call never happened l ASK THAT ALL MY CALLS BE LISTENED TO. and if possible send me a copy as well of calls and contract. 

also when vehicle was picked up driver left massive tire mark on my whole drive way. now the HOA IS TRYING TO FINE CAUSE OF THE DOINGS OF THE REPO CONTRACTOR l HAVE footage and images of the doings l truly don't understand how this affects a consumers life on they not being resonsive.
Consumer complaint received 2023-04-06
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. (TX)

On XX/XX/XXXX someone fraudulently opened a credit card account under my name. Starting in XX/XX/XXXX, I have attempted to have this removed from my credit report. I sent all needed documentation including police reports, ftc reports, proof of ID, proof of address, signed and notarized affidavits etc. 
XXXX and XXXX were able to remove this fraudulent account, but TransUnion has declined to do so in spite of documentation proving identity theft. 
I also purchased their id theft protection service but was told there was nothing to do but wait until information came from the creditor. All of this while waiting countless hours in several calls with customer service ( there is no direct line to help victims of fraud ). 
TransUnion has done nothing to help me as a victim of identity fraud in spite of me paying for services and sending the appropriate documentation.
Consumer complaint received 2023-04-06
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. (NV)

I have contacted XXXX about fraudulent accounts/Activity that are showing up on my credit report. 
Ive tried contacting the police department no one ever showed up when I called back I was told that they are short staff and will be out after I explained my situation to the dispatcher she then told me that someone will be out as soon as they are able too and no one ever showed up. 

I feel like my issue is not being taken serious and all I want is for this to be fixed and removed I am truly being affected by this and its causing me a lot of sleepless nights and distress and XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681 s-2 a person should not furnish any information relating to any consumer reporting agency if the person knows or have any reasonable cause to believe that the information is inaccurate. 

( B ) reporting information after notice and confirmation of errors a person shall not furnish information relating to a consumer to any consumer reporting agency if 1 ) information is in fact inaccurate Someone needs to be held accountable for this!
Consumer complaint received 2022-11-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Bread Financial Holdings, Inc. (VA)

On XX/XX/XXXX, I deposited {$100000.00} into Bread Financial to start a new account. On XX/XX/XXXX, I attempted to access the account online. I could not do so. I called customer service and worked for approximately 1.5 hours on attempting to access the account and could not gain access. The rep stated " well, just try tomorrow ''. After ending the call, I felt very uncomfortable. I called customer service again and requested that the account be closed and the money refunded to the originating account. The rep stated that would happen in 3-5 days. 

On XX/XX/XXXX, the account was still not closed nor the money refunded. That day, I received a letter from Bread stated my account had been suspended and to get into my account, I would need to provide government ID, a bank statement from the originating bank, and my social security card. I submitted those items on XX/XX/XXXX and requested an immediate refund of my deposit to the originating account. I also spoke to a rep that day who again stated that the money would be refunded in XXXX business days. 

On XX/XX/XXXX I still did not have my money. I again called Bread. I spoke to 3 different representatives in Account Protection. " XXXX '' told me that all deposits are held for 30 days and I would get my money on XX/XX/XXXX. I stated I had no documentation stating that is the case and I wanted my money today. She passed me to XXXX who stated that the " executives '' needed time to do an account review and that is why my account has not been closed and my money returned to my originating account. She stated there is a transfer in the system for XX/XX/XXXX. I then called again and spoke to " XXXX '' who again stated the money would be transferred on Monday XX/XX/XXXX and to call at XXXX am if the money did not show up in the originating account. 

On Monday, XX/XX/XXXX, the money was not in my originating account. I called and again spoke to XXXX. She stated the account is in the process of being closed and I should have the money by Thursday. I asked to speak to somebody up the chain and she stated there was nobody else with whom to speak. 

I have no idea how you get from " transfer is scheduled '' to " account being closed ''. I have no idea why the money is being held-now for over 30 days. I have no confidence that my money will be in my account any time soon. I get multiple stories when I call about the situation and I feel as if Bread has stolen {$100000.00} from me and feel quite powerless to get any information.
Consumer complaint received 2023-04-06
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)

XXXX XXXXXXXX XXXX acted in violation of SEC. 1464 of the The Dodd Frank Wall Street Reform and Consumer Protection ACT by failing to promptly report the home loan payment I made via their online portal on Saturday XX/XX/XXXX, instead they reported a payment date of XX/XX/XXXX which resulted in their reporting of my account as delinquent to the credit reporting agencies for XX/XX/XXXX. It is a verifiable fact that my home loan payment was initiated on the afternoon of Saturday XX/XX/XXXX. 

I have reached out directly to XXXX XXXXXXXX XXXX twice to resolve this issue, first via e-mail to XXXX XXXX and XXXX XXXX on XX/XX/XXXX and later via e-mail to XXXX XXXX on XX/XX/XXXX. Both times, I subsequently received letters dated XX/XX/XXXX and XX/XX/XXXX signed by XXXX XXXX, Office of the President, outlining their refusal to correct the payment date- The stated reason in the former letter being that the Bank 's Account Rules and Regulations explains that they have cut-off times for processing payment orders and in the latter that the calendar on XXXX prefills with the earliest payment date possible ( in this case Tuesday, XX/XX/XXXX ). 

I assert the following : *The only specific cutoff time listed on XXXX is XXXX XXXX ET for mobile deposits. If XXXX XXXX XXXX designates home loan payments as deposits, my aforementioned payment on XXXX was made well in advance of the XXXX XXXX ET cutoff time on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXs Deposit Account Rules and Regulations specify neither days ( e.g. Saturdays ) nor holidays when payments orders are not accepted, nor do they specify cut-off times * XXXX states on the following on their website " ... our online digital banking is always here for you anytime when you login at XXXX. Plus, 24/7 message support is available in our mobile app and online '' - One should reasonably assume truth in advertising, to wit-that one would not expect it take 72 hours for a payment made to XXXX XXXXXXXX XXXX via XXXX to post to one 's home loan account- prefilled calendar dates notwithstanding. If the Bank promotes their digital banking as available anytime, it isn't ethical or legal for XXXX XXXXXXXX XXXX to penalize consumers for accepting that assertion at face value.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX  acted in violation of SEC. 1464 of the The Dodd Frank Wall Street Reform and Consumer Protection ACT by failing to promptly report the home loan payment I made via their online portal on Saturday XX/XX/XXXX, instead they reported a payment date of XX/XX/XXXX which resulted in their reporting of my account as delinquent to the credit reporting agencies for XX/XX/XXXX. It is a verifiable fact that my home loan payment was initiated on the afternoon of Saturday XX/XX/XXXX. 

I have reached out directly to XXXX XXXX XXXX twice to resolve this issue, first via e-mail to XXXX XXXX and XXXX XXXX on XX/XX/XXXX and later via e-mail to XXXX XXXX on XX/XX/XXXX. Both times, I subsequently received letters dated XX/XX/XXXX and XX/XX/XXXX signed by XXXX XXXX, Office of the President, outlining their refusal to correct the payment date- The stated reason in the former letter being that the Bank 's Account Rules and Regulations explains that they have cut-off times for processing payment orders and in the latter that the calendar on XXXX prefills with the earliest payment date possible ( in this case Tuesday, XX/XX/XXXX ). 

I assert the following : *The only specific cutoff time listed on XXXX is XXXXXXXX XXXX ET for mobile deposits. If XXXX XXXX XXXX designates home loan payments as deposits, my aforementioned payment on XXXX was made well in advance of the XXXX XXXX  ET cutoff time on XX/XX/XXXX * XXXX XXXX XXXX XXXX Deposit Account Rules and Regulations specify neither days ( e.g. XXXX ) nor holidays when payments orders are not accepted, nor do they specify cut-off times * XXXX states on the following on their website " ... our online digital banking is always here for you anytime when you login at XXXX. Plus, XXXX message support is available in our mobile app and online '' - One should reasonably assume truth in advertising, to wit-that one would not expect it take XXXX hours for a payment made to XXXX XXXX XXXX via XXXX to post to one 's home loan account- prefilled calendar dates notwithstanding. If the Bank promotes their digital banking as available anytime, it isn't ethical or legal for XXXX XXXX XXXX to penalize consumers for accepting that assertion at face value.
Consumer complaint received 2022-07-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (UT)

In XXXX and XXXX, I took out two different student loans for my daughter who was attending XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Florida. I had no problem making the loan payments until my personal financial situation changed drastically in XXXX after a divorce, a move across the country, and then the pandemic decimated my XXXX travel business. 

Navient says that I am out of forbearance options. In the meantime, I've accrued thousands of dollars of interest fees while in forbearance. According to them, I'm out of forbearance options and I do not have the means to make the $ XXXX monthly payments. It's just out of the realm of possibility right now. 

When I took these loans out, I took onXXXX out ( from XXXX ) with my former husband as a co-signer ( he was removed from the loan in XXXX ) and one on my own ( from XXXX ). I did not have a co-signer on any of my loans. Now Navient is telling me that my mother is a co-signer on one of these loans! This is absolutely false. 

My daughter, separately, took out a loan that my mother co-signed on but she did NOT co-sign on either of my loans, but now Navient has threatened to contact my mother about MY loans. This is false and wrong on every level.