davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-21
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ), # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (NY)

XX/XX/XXXX -- I mailed in my PSLF form to the proper agency as was instructed on the PSLF form. 
XX/XX/XXXX -- had not heard anything and had been over 60 days therefore I called MOHELA as instructed and was on hold for 40 minutes. I spoke to a representative ( I believe her name was XXXX  ) who stated that it had not been processed because the person reviewing it said they " couldn't read '' my employer 's writing. During that phone call in real time, XXXX told me that she could read it clearly and would put it through for processing because she didn't see the problem in the way the dates were written by my employer. 
XX/XX/XXXX -- I applied for loan consolidation for my direct loans to take advantage of the PSLF limited waiver ( to be received by XX/XX/XXXX which it should have been ). Got form from XXXX stating they got my consolidation application. Direct loans of $ XXXX dollars were consolidated. 
XX/XX/XXXX -- - called as still hadn't received any information about my PSLF form, therefore I called MOHELA, was on hold for XXXX hours and they said they were unable to find my application which was ALREADY CONFIRMED TO HAVE BEEN RECEIVED ON XX/XX/XXXX. 
XX/XX/XXXX -- I put together a new PSLF form from my employer and re-sent it in ( faxed to number that representative told me ( XXXX ), fax number XXXX for which I got a confirmation email stating it was sent through. 
XX/XX/XXXX -- called MOHELA regarding status of PSLF form, was on hold, tried to press any option and it put me on an endless loop of prompts that kept repeating themselves which truly made it IMPOSSIBLE for me to get through to a representative.I have been trying since XXXX for this to happen and people keep losing my applications or won't allow me to even get the help I need. 

# called for MOHELA EACH TIME -- XXXX
Consumer complaint received 2021-09-28
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL (FL)

open XX/XX/XXXX. 
my last payment was in XX/XX/XXXX. 
balance XXXX help me to take this out of my credit I can't pay this credit card because of Covid19 I don't have a job and I have kids to support pls help i have been making payments to city furniture but i can't pay anymore I don't have enough for my monthly basis COVID19 LEFT ME UNEMPLOYED
Consumer complaint received 2021-09-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IN)

I purchased a XXXX XXXX from XXXX on XX/XX/2021 at XXXX XXXX  PDT They sent out a shipment ( tracking number : XXXX ) to the city that I live in but I never received the package. 
I filed a case with USPS ( case number : XXXX ) on XX/XX/2021 and learned that the package was sent to a different address. They said this is a common tactic of a scam where the seller sent an empty box to a ghost address just to justify that the package was delivered so Paypal would stand on their side and the victim can not file a claim to get money back. 
I sent out an email to the seller ( XXXX ) and never got a response. 
I filed a case with Paypal ( Case ID : XXXX ) however since the tracking number shows the package is delivered. Paypal denied the claim twice
Consumer complaint received 2021-09-28
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. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-01
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

XX/XX/XXXX, wanted to make pmt on phone to Bank of America credit card for {$150.00} they took {$450.00}. A complaint already exist. Yesterday I get a call from BOA, a man saying he is my contact, and he will push to have refund by XX/XX/XXXX. In XXXX the last call made they said it was reported pm XX/XX/23 and would take 8 - 10 days. Now the XXXX of XXXX. I do not want a contact person. Someone needs to put a stop of this highway robbery. I need to pay my health insurance as I am XXXX I have XXXX. I am late on several bills now and this bank does not seem to care. I want my {$300.00} put back in my account, {$35.00} fee fro my bank for innsuficiant funds and since these people have so much money I would like {$25.00} for every day that they keep my money. They need to be fined and this meds to go to the media so everyone can be warned. 

XXXX XXXX
Consumer complaint received 2021-01-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

I've been trying to talk to an actual person at Lakeview Loan Servicing LLC for months about a brief hardship experienced due to Covid-19. I've called every number I can find related to the company. I'm either put on hold for hours, or I opt for a particular department through the automated phone system, at which point I'm either immediately disconnected or put on extended hold again. If lucky enough to not be disconnected, I'm given the option to leave a voicemail for a call back. But surprise. The voicemail box is always full. I've yet to even be able to leave a message. I've left requests through customer service online, but I've yet to receive any replies. 
I now am interested in refinancing my mortgage and am shopping for the best deals and rates. I'd like to speak with Lakeview to discuss the possibility of a simple rate adjustment. But as before, I can get no one to talk to me. 
I find it reprehensible that I'm not able to speak with a representative of the firm that holds a quarter-million dollar lean against me after purchasing my mortgage from my original lender.
Consumer complaint received 2020-12-01
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. (FL)

AFTER REVIEWING MY CREDIT REPORT I FOUND SOME ACCOUNTS AND INQUIRIES REPORTING ON MY CREDIT FILE THAT DOES NOT BELONG TO ME. THE ACCOUNTS AND INQUIRIES DOES IS NOT AFFILIATED WITH ANY TRANSACTIONS THAT I HAVE ME. THE ACCOUNTS AND INQUIRIES WAS NOT AUTHORIZED BY ME. I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER AND HAVE THE ACCOUNTS AND INQUIRIES REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2022-08-20
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-12-01
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 recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report. Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2020-12-01
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)

I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report. Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2021-05-18
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. (NY)

I contacted the creditor, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.
Consumer complaint received 2021-05-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION (PA)

On XX/XX/XXXX, {$2800.00} was withdrawn from a joint checking between myself and a former spouse at Navy Federal Credit Union. We are currently divorced but we do still have a mortgage open with the credit union, as I occupy the home with our minor daughter. 

When I phoned to find out why, I was advised the {$2800.00} was applied to a credit card charge-off from XX/XX/2012 belonging to XXXX XXXX. At this time, he had a credit card and restaurant go out of business and I know he also pursued bankruptcy. 

They shared with me the following, see Section 5 : https : //www.navyfederal.org/content/dam/nfculibs/non-search-pdfs/nfcu_573cc.pdf My question is the timing, is there no statute of limitations on credit card debt? Are they allowed to collect on this money for eternity?
Consumer complaint received 2022-05-17
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. (SC)

Credit card account marked as late on XXXX however i was never late and even submitting proof they refuse to correct the error but yet marked account as verified. I have contacted the credit card company as well and they are also referring me to the credit bureaus for resolution so i'm getting not where.
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE DISPUTED ACCOUNT HAS BEEN DISMISSED AND IS STILL REPORTING ON MY CREDIT AS A DEROGATORY, PLEASE HAVE THIS ACCOUNT REMOVED OFF MY CREDIT FILE AND ANY INACCURATE ACCOUNTS THAT HAVE TARNISHED MY CREDIT FILE AND NAME. I DISPUTE THIS ACCOUNT AND ITS ENTIRETY AND I KINDLY ASK THAT THIS ACCOUNT BE INVESTIGATED AND DELETED OFF MY CREDIT FILE.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Caliber Home Loans, Inc. (SC)

I couldn't make my mortgage payment due to COVID and worked with Caliber to correct this. They claimed this as a natural disaster - like they were supposed to but also hit me with a 90 day late. this was not supposed to happen and it is effecting my score. This was never supposed to be reported as a late and they stated that to me when i called. My credit report shows different.
Consumer complaint received 2021-05-18
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: EQUIFAX, INC. (LA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-05-18
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. (TN)

My wife and I borrowed money for college from the years XXXX. We both had Stafford loans and shortly after we got married in XXXX we began making payments on our student loans. At the time, it was " XXXX '' that serviced our Stafford Loans. Unbeknownst to us at that time, as young and inexperienced borrowers, we decided to consolidate our student loans together at 6.875 % and begin paying on them together. 

Well, it wasn't long after that that we realized we didn't have the money every month to make the payments we were required to pay and so we put our loans in deferment. Due to circumstances out of our control in the following years, we still were unable to pay on our student loans and we ended up putting them into forbearance not realizing that our loan balances were continuing to have interest appreciate on those balances. 

About ten years ago, Sallie Mae was taken over by Navient and we were told to put our loans in forbearance again. But by then, we had already accrued a ton of interest on our loans. We finally went into an XXXX plan while our loan continued to accrue interest and we made very minimal payments on the loans. The amounts we were paying were simply paying interest and we had no hope of any of that money every going towards any principal. 

Fast forward to XXXX where we are still making payments on these loans with no hope of ever paying off the balances. Navient has done nothing to help us figure out if there are other options to determine how we can ever pay these loans off. Our income is slowly starting to grow as my wife and I have had new jobs and we are watching our IBR payments continue to rise while none of these payments go to help us pay off any principal. 

Over the years, we have been pushed into forbearance before being given the option of IBRepayment, thus accruing ridiculous amounts of interest onto our principal balance and now, {$45000.00} worth of original student loans has grown to over {$94000.00} of repayment. Interest accrues daily and we still are watching our loan balance climb with no way of making a dent in the principal. 

If there is any way we can get some relief from this growing mountain of debt that just continues to grow ... we would be grateful. Navient has simply taken advantage of people like us in a needy situation and profited off of us.
Consumer complaint received 2020-12-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY (CT)

My complaint is regarding the subordination process of TD Bank. 
They currently hold my home equity mortgage and they are in 2nd lien position to my mortgage. I am trying to refinancing my first mortgage but can not do so until the TD Bank loan # XXXX gets subordinated. This process is in the 8th week and my rate lock has expired. I don't know if it is going to take days, weeks or months to get the subordination. I call every day for the past 2 weeks ( i usually have to wait at least an hour ) to get through and they can't tell me how long. In addition, they give you an email address to write to but ignore you as well. I've sent at least 6-8 emails which goes nowhere. 

TD Bank is horrible to work with with regards to subordination. They have cost me a couple of thousands of dollars already and it i lose my rate, will lose tens of thousands of dollars ( I am not exaggerating ) I need help to get it done but they should be consequences on there poor services and possibly what it has cost me financially
Consumer complaint received 2020-12-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Universal Capital Services, Inc. (FL)

My husband and I started the refinance process in XXXX of this year, XXXX. We own a property that has a private mortgage with a balloon payment end of XXXX. We have to refinance or come up with about $ XXXX. The company, US Mortgage Line connected us with XXXX XXXX. 
We received our first list of approval contingencies on XX/XX/XXXX and it asked for the basic items ( signed forms, W2, DL/SS cards, Tax returns, Letter of explanation, Mortgage Statement, bank statements ) .. we provided everything as soon as requested. 
The contact at XXXX XXXX, XXXX XXXX, kept telling us we were good to go, kept giving closing dates, and then the dates would pass. XX/XX/XXXX he suddenly requested documentation or spreadsheets showing 12 months of satisfactory payments. My attorney provided him verification the mortgage is in good standing and has been in good standing. Still, no closing has happened. 
There is no reason for us to get pushed around by this company. We have always responded with the information and documentation requested. We have signed at minimum 5 sets of closing disclosures in preparation for a supposed imminent closing. But still, no closing. The last time I spoke to the company, XXXX 's boss told me I was XXXX for not making payments when XXXX specifically told me to wait since we were closing. 
Our credit scores are in the XXXX, our DTI ( not including all available income ) is 40.67 %, LTV with the recent appraised value is only 68 %. We are in good standing with the private mortgage company and do not deserve this kind of treatment. 
We are in the process of applying at another lender, but felt it was important to report our experience with this company.