davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (TN)

In XXXX XXXX some of my loans went into repayment and I began making payments to Great Lakes XXXX. Between XXXX XXXX, XXXX and XXXX XXXX, XXXX I made {$1900.00} in payment. According to my XXXX XXXX billing statement my payment history showed {$770.00} in principal payments and {$1400.00} in interest payments. I entered XXXX school in XXXX XXXX. However, in my XXXX XXXX billing statement, my payment history now showed only {$460.00} in principal payments and {$1700.00}, a shift of {$300.00} from principal to interest payments. The payment history on their site also now longer matches the information from the billing statements during that time. All the payments prior to XXXX/XXXX/XXXX are now all showing interest only payments. I noticed the issue after making my XXXX payment and contacted Great Lakes on or about XXXX/XXXX/XXXX. 

I was advised that someone would be researching the issue and getting back to me in XXXX3 business days. Three weeks went by and no update and the account is still showing incorrectly. I contacted them again today and they had no answers, despite having my call escalated to XXXX different supervisors XXXX and they advised that me it will take at least XXXX2 more business days to research the issue. When I asked for the detailed payment history for each disbursement ( token ) for the loan, I was first advised it would take XXXX6 weeks. However, once I spoke with a supervisor I was told it would now only take XXXX2 business days. I would like to make another payment, but I am waiting for them to correct this issue so that this payment is also not misapplied. 

I need both the detailed token payment history and the payment application error corrected. Further, I would like to have a detailed token payment history sent to me monthly so I can continue to monitor their compliance.
Consumer complaint received 2016-03-28
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (MN)

I am going thru a divorce and my estranged husband is supposed to make the house payments until I take over XXXX XXXX, per our agreement. He is not making the payments on time, therefore, creating several dollars in late fees. I am receiving phone calls every day, every two hours, several times on weekends. I have explained the situation, going thru divorce so on and so forth. This is very stressful for me and it has got to stop! I understand the payments need to be made, but per the order he is to pay the payment.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX  XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2016-02-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE (VA)

Lenderlive has admitted to paying out almost {$1600.00} from our Escrow balance to the wrong Insurance company. Since then, and before we noticed the error, our loan was sold to another servicer. Now that servicer shows our escrow short, and is increasing our payments. 
I contacted Lenderlive on XX/XX/XXXX. They had the correct insurance company, amount and status listed, but acknowledged paying someone elses Hazard insurance. I was supposed to get a call back. By Friday XXXX, I called again. The supervisor had yet to start their shift and I was promised a call back, but XX/XX/XXXX or Monday XX/XX/XXXX. Still nothing. This money was essentially stolen from us and we are waiting for them to reimburse us or our new mortgage servicer ASAP. This money is in their hands somewhere since the other persons escrow most likely has an overage. This is the second issue I 've had with Lenderlive.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2016-01-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Genesis Lending (NJ)

I attended XXXX XXXX located XXXX XXXX, NJ. I took out a Federal Loan and a private loan. Money was demanded while I was attending school. The financial aid rep told me during the application process if I needed to make payment changes it 's simple and can be done. That was not the case. Neither XXXX XXXX nor Genesis Lending would help me. So I defaulted on my loan because I was n't able to pay the monthly amount, but I would send what I could. Not only that I did not get assistance in finding employment in the field I trained in. I received many annoying calls from XXXX XXXX fishing for information as far as what job am I working at and I can always go back to the school for assistance. I would tell the rep that I 'm not working in the field because you need 3yrs+ experience and I went back to my XXXX background temping until a permanent position came along. The rep stopped calling me as frequent because she was happy I had a job, but it was not in the field I trained. Every once in awhile I would receive a call because she wanted information.
Consumer complaint received 2015-04-28
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Harley Davidson Financial Services Inc (CA)

Numerous phone calls at work even after I have stated that I am not allowed to receive personal calls as well as threats in regards to showing up at my job and contacting my manager directly. I have provided the hours that I am available after work and they are closed during those hours so they told me that they will continue to call me at work and leave harassing phone messages on my work voice mail.
Consumer complaint received 2015-04-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pressler & Pressler, LLP (NJ)

**debt was not paid it was charged off I verified this with each creditor** Pressler & Pressler has trolled my credit report and with the help of XXXX XXXX has taken several, old charged off debts from my credit report and sued me for the debts. At XXXX they scared me because I thought they were legitimate, but as it kept happening over and over ( at least XXXX debts they have taken from my credit report and sued me on ) I researched and found out that they are not legitimate, if you XXXX them you will see how many illegal scams come up. I contacted the original debtors and not XXXX of them knew who either Pressler or XXXX XXXX was. As far as my debtors ( including XXXX XXXX, XXXX, XXXX and XXXX ) knew they charged off my debt ( I was unemployed for 3 years and had no way to pay them back ) I feel that Pressler & Pressler has illegally targeted me by trolling my credit report, that is the only explanation for them to have so many of my debts in their possession -- they claim its a " coincidence '' I do not believe in such a coincidence. I have XXXX debt that they have been taking {$25.00} a month from me since 2012, they have not ever sent me a status to show what I have paid and what I still owe, but if I stop paying, I get a threatening letter. They have NEVER sent back any debt verification after I have requested multiple times on each debt that they have sent me. They call but do not leave messages and when I call back there is no answer at their number or the call disconnects. I would like them to stop and leave me alone and I would like to counter-sue them for harassment. 
I let them bully me for a long time, now I am going to fight back with everything I have.
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

Chapter XXXX case # XXXX was converted to a chapter XXXX case # XXXX and was discharged XXXX/XXXX/2006 Equifax is still reporting these XXXX cases as seperate cases when the chapter XXXX case was converted to the chapter XXXX case and discharged. The bankrptcy court said that the chapter XXXX case is the only case that should be reported.It appears that Equifax is not verifing this information correctly after XXXX requests to change this information on my credit report.
Consumer complaint received 2015-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CT)

I got a letter from experian credit company letting me know that someone had hacked XXXX system stilling information like Social Security date of birth so for that happening they offered me free identity theft I have not had a phone since XX/XX/XXXX XX/XX/XXXX through XXXX but someone has tried to get a phone of XX/XX/XXXX in my name they also tried again in XX/XX/XXXX XXXX bill is for {$490.00} the other bill is for {$2200.00} and this is not me
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently reviewed my credit report and noticed several accounts that appear to be fraudulent. These accounts are not mine and have been opened without my consent. As a result, they are negatively impacting my ability to obtain credit. 

I kindly request that you investigate this matter and remove these fraudulent accounts from my credit report as soon as possible. I am happy to provide any necessary documentation or further details to assist in resolving this issue.
Consumer complaint received 2015-04-28
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (IN)

I have made an international money transfer through a major Financial services company.After 1 week I received an email saying transaction was cancelled and i will get refund soon. Almost daily i am calling the customer care for the refund. Its been XXXX weeks i am waiting for the refund. I am suffering a lot XXXX because of this issue. Please Help me.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/year> I sent Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue
Consumer complaint received 2015-04-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (AL)

I applied for a modification with Ocwen loan servicing on XXXX/XXXX/2015. I sent them a letter from my new employer stating what my new income would be and that I started my new job on XXXX/XXXX/2015. I did not receive my first paystub until XXXX/XXXX/2015. They sent my authorized 3rd party a letter stating that they were going to go through with the foreclosure sale on XXXX/5/2015 because I was not going to be able to provide them another paystub till after the foreclosure sale. I submitted this review almost a month prior to this sale and I have new income that they are not willing to review. Please help to allow for my review to retain my home!
Consumer complaint received 2015-04-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (PA)

I am an account holder with TD Bank. I sought to deposit a number of checks yesterday at the branch located at XXXX XXXX XXXX XXXX XXXX PA XXXX, including XXXX check that my husband signed over to me. My husband was with me and showed them a valid PA driver 's license for ID. They refused to deposit it and then refused me any service at all when I insisted that they provide me with this simple banking service. The branch manager was completely unhelpful and unaware of and uninterested in basic banking regulations and my rights as a consumer. Decent customer service was absent. I called the XXXX number for customer service, and there was no satisfactory result. I was told that I could not speak to an upper level supervisor, the person with whom I was speaking would not identify himself other than a XXXX name ; and he refused to provide a control number for the call. I will be closing my account and taking my business elsewhere. I advise others to avoid this institution.
Consumer complaint received 2024-11-13
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. (TX)

I am submitting this formal complaint regarding three student loan accounts with DEPTEDXXXX that are incorrectly reporting a 90-day late payment for XX/XX/XXXX. Despite sending seven dispute letters over the past seven months, there has been no resolution, nor has any verification method been provided. The accounts in question are as follows : Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Number:XXXX Date Opened : XX/XX/XXXXXXXX  There are no prior late payments on these accounts, making the 90-day late report inaccurate and in violation of the FCRA. This error has caused me considerable hardship, and I am prepared to seek litigation if it is not corrected immediately. Please find attached my notarized affidavit and original dispute letter with date and time stamps.
Consumer complaint received 2024-11-13
Product: Credit reporting 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. (CA)

My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted the bureau and the representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2024-11-13
Product: Credit reporting 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. (FL)

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. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Consumer complaint received 2015-04-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

SLS Select loan servicing used erroneous income for my loan modification. It 's been over XXXX years since they have had my file and I believe they just rolled the dice, picked a number out of a hat and walla! a loan mod that reflects an income of over XXXX dollars. I do not make XXXX dollars a month and never have! I am appalled at their conduct and request a thorough investigation on their sloppy underwriting and mis handling of my file. There is a sale date set for XXXX XXXX 2015 and I am very worried in that, they way they underwrite/ handle files, will cause me to lose my home.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Why do the negative accounts still remain on my credit report until now, even though I have long wanted to have them removed? I have filed numerous complaints about this, yet they have taken no action. I now want the negative accounts to be removed and the responsible parties to be fined appropriately because their inaction has greatly affected me