davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-09
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. (IA)

I am submitting this complaint because TransUnion, XXXX, and XXXX are reporting accounts on my credit report that are past the seven-year reporting period, in violation of the Fair Credit Reporting Act ( FCRA ). The following accounts from XXXX XXXX are outdated and should have been removed from my credit report : XXXX XXXX XXXXXXXX Balance : {$3800.00} Closed Date : XX/XX/2017 XXXX XXXX XXXX Balance : {$2800.00} Closed Date : XX/XX/2017 These accounts have exceeded the seven-year reporting limit, yet they are still being listed on my credit file. I have disputed these accounts in the past, but they have not been removed, and this is causing ongoing harm to my credit report. 

According to FCRA Section 605 ( a ), negative information must be removed from a consumer 's credit report after seven years from the date of first delinquency or account closure, whichever is later. These accounts should no longer be reported, and I am requesting immediate removal. 

Desired Resolution : I would like the CFPB to ensure that TransUnion, XXXX, and XXXX remove the outdated accounts from my credit report immediately and provide written confirmation of this action. I also request that they comply with the FCRA and FDCPA guidelines by removing the information that is no longer legally reportable.
Consumer complaint received 2017-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My name is XXXX XXXX i deposited checks for my aunt because her id was ex she just came out of a homeless shelter in XXXX ny the XXXX XXXX paid a years rent the checks are made payable to her old landlord and her the landlord renigged on her place and left her and her XXXX children in the cold streets she was able to get a new place the bank released tge first three checks of XXXX they have been holding the other XXXX for the past tgree weeks human resource administration cleared the money for her but the bank refuses to let tge funds go this is federal money homeless act we gave the bank everything they asked for and still refuse to let the money go in order for XXXX XXXX case in ny to be closed she needs the money to pay her new landlord and send proof to hra in XXXX  please help us
Consumer complaint received 2017-11-20
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: EQUIFAX, INC. (OH)

I have sent numerous letters to the three credit reporting agencies and also the companies involved asking to remove inquiries. I keep getting the run around credit bureau says to contact customer who put the inquiry on, the company says they ca n't remove to contact the credit bureau. 

None of these inquiries have been marked as disputed on my credit report, I do believe these are supposed to be verified just like any other thing on my report that I dispute.
Consumer complaint received 2017-11-21
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. (CT)

Around XX/XX/17 XXXX investigated and deleted five errors from my credit report with them. To date they either have not or will not report these deleted items to the two other credit reporting as I believe is required by law under the FCRA. 
I need to have these errors deleted from all three CRA, s as I intend to apply for a mortgage shortly Thank you
Consumer complaint received 2017-11-21
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. (NY)

On XXXX XXXX, 2017, Equifax announced that it suffered a data breach. Then they said in the letter, " If you ( I ) believe you were the victim of identity theft, here are some steps you can consider for additional protection ... '' Then they give a bunch of steps that essentially TAKE THEM OFF THE HOOK! There are services mentioning them giving credit monitoring for free for a year. THEN, you pay for it! Why should I pay for monitoring from THEM when THEY ca n't protect the information in the first place? Free or not, how have THEY proven that THEY can secure anything let alone one 's social security number, etc.? 

They are a credit reporting company! My information has been compromised by THEM! They let this happen by not securing personal information. 

Now, what am I supposed to do?
Consumer complaint received 2017-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AZ)

When I refinanced my home back around XXXX of 2016 I was told by wells fargo that to remove my PMI I would need to either allow my payments to reduce balance to 78 % or if my home value improves I could order an appraisal and if the loan to value was at 78 % or lower I could have my PMI removed. I recently just paid for an appraisal through a credit union who uses a third party vendor. My appraisal came in with enough value to have my PMI removed. So I sent in my appraisal and now wells fargo says its not valid because it was n't through them. Not once did they inform me that it needed to be ordered through them. I also spoke with two representatives within the last 2 weeks about sending in my appraisal and they asked why and who i was getting it through. I informed them of possible home equity loans through other banks. They said okay and to send it in once I have it. They provided a fax number and notified me that once its received and reviewed my PMI would be removed. Now im being told my appraisal I paid for is not valid and that they are not removing my PMI. I would like to file a compliant for unfair and deceptive practices. They had opportunities to tell me before that other lenders appraisals do n't count even though they used another lenders appraisal for my home loan when they took over the servicing on it.
Consumer complaint received 2017-10-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX XXXX is reporting a collection account on my credit report that they have made absolutely no attempt to validate the debt before placing on my credit. I have never heard from them and when I went to apply for a loan I learned that they were reporting an account that XXXX XXXX charged off 4 years ago. Not only did they not validate the debt before reporting it they are now re-aging the debt. They show the account opened in XX/XX/XXXX when it charged off at the end of XX/XX/XXXX. I complained to XXXX XXXX about a charge and they did n't respond and it led to a charge off. The account is also duplicated. XXXX XXXX is also reporting the account. That means there are 3 violations due to a single trade line.
Consumer complaint received 2017-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

Trans Union reports I am employed "XXXX XXXX" I do not work at all. They also refuse to remove outdated information. They also allowed my credit report to be accessed without asking me first after placing a freeze. I tried to contact them when I was denied access online only to be asked to "purchase a credit report" and I will not continue to pay for their deliberate errors and mistakes. 

I contacted Attorney Generals Office, State of Alaska and requested assistance with a phone access number for a live person, and was told that I could fill out a form at home and mail in. 

I am XXXX XXXX and need help sometimes and feel when government offices allow these agencies to continue to abuse consumers protective rights they need to be made to conform. They do not have a local office in Alaska to my knowledge and they should be forced to provide consumer access via live phone "(area code) XXXX" so consumers can address needs and there are "dual" records to deal with compliance and help consumers deal with their "deliberate negligence", trying to force us to buy products.
Consumer complaint received 2017-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (FL)

Penn Credit Corporation has sent several letters to my home and has had multiple calls made every week to my home demanding payment for a debt that is owed by an individual I do not know and that does not live in my home. The debt belongs to a woman named XXXX XXXX, is for {$410.00} related to a traffic violation in XXXX, Florida dated XXXX/XXXX/2017 and is under account number XXXX.
Consumer complaint received 2017-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (MN)

I consolidated my federal student loans with XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX and later inquired about income based repayments and public service forgiveness programs. I was told my FFEL loans would qualify and all on time payments would count toward the PSLF. They indicated the payments and loans would be forgiven after 120 on time payments. XX/XX/XXXX I submitted my certification paperwork to begin the PSLF process. I was notified on XX/XX/XXXX my current loans were not in an eligible loan program. I would not have consolidated my loans with Great Lakes had I been told it was not an eligible loan for PSLF as my loan balance has remained as I made lower payments with the anticipation of forgiveness after 10 years. I am now being told I must consolidate my loans again with another agency and none of my past payments are qualifying. Many financial and career choices were made with the consulting I did with Great Lakes. Now my family and I are told we must start over if we wish for pay off our loans.
Consumer complaint received 2017-11-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (LA)

Not sure what type of company this is ( whether debt collector or not ) but they called me at XXXX XXXX at which time I was in a meeting. When I made it home I found out they called my husband, his ex-wife, my ex-husband, and my sister leaving a message that said they are calling to verify whether they have the correct address for me, for a pending matter and to avoid any further proceedings we need to contact XXXX Ref XXXX. When I contact the number I immediately asked for a supervisor and she went silent as if getting someone and I told my husband it did not make any sense they calling all over and she said, " We will call all over and whomever we want '', and then hung up the phone. I called back and again pressed 2 to get customer service and asked for a supervisor and the woman began trying to read off something at which I told her I do not want to hear anything because you have violated my rights and I would like to speak with a supervisor. She then proceeded to began to say how I will not talk to them raising my voice and I hung up the phone because it is apparent they this company is either so use to these tactics until they do n't know that they are wrong.
Consumer complaint received 2017-11-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (VA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Mr. Attorney General : I am writing in hopes to shed light on a company that I feel is operating unfairly. On XX/XX/XXXX I purchased a whole house generator. I financed the generator through XXXX XXXX. The agreement was to extend for 36 months, 18 months interest free. In good faith in XX/XX/XXXX I signed up for auto payment with the ability to receive monthly payments notices as reminders. As I look back, I received two payment reminders in XX/XX/XXXX. With the payments on auto pay I continued to make payments monthly without payment reminders. 
In XX/XX/XXXX, XXXX XXXX attached {$4500.00} interest. It was then that I realized I had missed the 18 month deadline for repayment without interest. Since XX/XX/XXXX, I have received a written monthly notice for payment. I was never notified of the interest free period coming to an end as agreed to. I felt the details of the contract would be upheld but I see that it was not. 
I see this as unfair and it appears deceptive. I feel as though I was targeted. I did not receive monthly notices until the interest payment was added, now I receive them every month. In their failure to provide monthly notices, I did not make the final payment, as I would have, had the notice been sent that the interest free period was to end. In this way I feel that this company purposefully declined to send notices so that I would forget about the interest free period which allowed them to add the interest accrued. I wonder how many others have experienced this behavior from them and have also had to pay back interest. I am able to fight this but what about the elderly and the infirm who depend on these products and are taken advantage of by this type of financing. 
I do think this is unfair practice for their patrons. This builds distrust. I will never do business with this company again as I feel they failed to provide adequate notification of contract changes. I feel they should remove the interest accrued as they failed to provide me with the monthly payment notices as agreed. I do feel had I received these notices, I would not have missed the interest free payment date. This pattern of practice, although maybe legal, is not fair. 
Please take a look at this companys practice. Their use of these types of loans are set up as a trap and should be discontinued if proper notifications can not be sent. Thank you. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-11-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MI)

I actually attended XXXX career institute in XXXX XXXX, MI from XXXX to XXXX. My school was XXXX down after coming under federal scrutiny for fraud, falsifying tuition, grades, and falsifying the promoise to help students find a job. They did not even help me attain my state license. Now I am close to XXXX in debt. Navient solutions currently is trying to collect on my student lloan, however after reading the information on the site it has come to my attention they may be doing more harm than good. XXXX other students had their loans forgiven after attending my school under XXXX colleges. My complaint is that mine have not been forgiven and that XXXX or navient may be charging me more than i need to pay. My school is no longer recognized, not even in your list of schools on site. I do not feel i should have to pay so much and keep falling into debt for an education that is hardly recognized by employers. As a matter of fact most people who attended this school have difficulty finding jobs. That is my complaint. I am getting overcharged for school tuition for a school that the government shut down.
Consumer complaint received 2017-10-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc. (MS)

On XX/XX/XXXX I ordered a {$500.00} XXXX Gift Card from the XXXX website ( order number XXXX ). The total cost of the order was {$500.00}. I never received the card. On XX/XX/XXXX, I called the customer service number ( XXXX XXXX ). to let them know I had not received the card in the mail. The representative verified there was {$500.00} on the card. He also blocked the card so it could not be used. He issued a ticket number - XXXX, and told me I should receive a refund to my credit card within 3-6 business days. 

I called customer service again today, XX/XX/XXXX. The representative told me there was no progress taken on this issue. When I asked if we could do anything to ensure this issue would be processed, she just told me they were backed up and had not gotten to my ticket number yet. I do n't even know that the company intends to do anything with this.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 2024-09-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Inc. (WA)

On XX/XX/year> at around XXXX, I transferred {$1500.00} to XXXX  using sendwave. 48hrs the transaction is stating PROCESSING. 
Sendwave have very poor way of communication. Their customer care number given never gets through. I took along time before I knew what's going on.
Consumer complaint received 2016-04-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (IL)

My husband, XXXX-years-old needed XXXX replaced, since previous XXXX were misplaced at hospital he was in prior to XXXX visit. He did not have insurance coverage for XXXX work, so he applied for CareCredit and received {$800.00} credit toward dental work. On XX/XX/XXXX an appt. was made with XXXX, XXXX, XXXX. We handed them the approval for the {$800.00} credit approval toward XXXX work to be done. The manager at that time, stated that they can have CareCredit increase the amount to cover more of the work to be done. She called and it was denied. The cost would be {$2000.00} - {$800.00} = {$1200.00} which we used our personal credit cards to pay out of pocket {$500.00} from each credit card. This was the 1st visit and only XXXX was taken to send to XXXX. On XX/XX/XXXX my husband was admitted to XXXX from XXXX since XX/XX/XXXX, and could not make the next scheduled appt. on XX/XX/XXXX. I am receiving billings from Synchrony Financial, and XXXX XXXX XXXX, XXXX regarding the balance of {$800.00} for CareCredit. The card arrived, but was never activated by my now deceased husband. According to when I informed Synchrony Bank nd XXXX of my husband 's death, they informed me that this is not the family responsibility but yet they are still sending me statements and letters and it has been placed with collection agency which is XXXX, XXXX XXXX, XXXX in which now they are sending bill in my name.
Consumer complaint received 2017-11-20
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)

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED Late account information from my consumer file. Despite my three written requests and complaints, the unverified Late items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these Late accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged late account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of  perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 



XXXX XXXX XXXX XXXX/ XXXX XXXX
Consumer complaint received 2017-11-20
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: WLCC (TX)

XX/XX/17 - called my cell phone one time. ( I did not answer ) XX/XX/17 - called my work line 7 times ( between XXXX-and XXXX ) in a row after I politely told them to please stop calling that number. Then the lady proceeded to threaten that the next call would be to my manager.