davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (FL)

I reached out to the U.S Department of Education requesting the balance of my loans and was told I had a state loan that was reporting defaulted to the credit bureaus also. I was told to reach out to the NYSHESC - New York State Higher Education Services Co. ( XXXX ) XXXX. I was told there was an outstanding balance of {$650.00} remaining from a XXXX loan of {$3500.00}. I spoke to a representative for Federal Student Loans on XX/XX/XXXX and on XX/XX/XXXX I spoke to XXXX, NYSHESC. According to my payments and records this loan balance is not accurate and I think the balance on this account should be reviewed, updated and brought to zero balance. I would like ; A. NYSHESC to review my record and send update to all three major credit bureaus ( XXXX, XXXX and XXXX ) B. The NYSHESC should remove the account from default status and stop reporting it as such to the credit agencies. 
C. The NYSHESC should ensure the account is accurately associated with my name and is accurately attached to me.
Consumer complaint received 2017-02-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (WA)

I took out Federal and Private student loans for my college education. XX/XX/XXXX and again XX/XX/XXXX, I suffered a XXXX that forced me out of work and I had to halt payments on my student loans. I have yet to fully recover financially from the impact of those incidents, but XX/XX/XXXX, I began repayment of my loans through XXXX. 

I made verbal payment arrangements with them, and I began to send in my monthly payments via my online banking bill payment service as they provided physical checks to the lender for payment. For over 5 months straight, my payments were deducted out of my account and cleared ( I have scanned images of those checks having cleared and been stamped for deposit by XXXX ), but after 5 months I received a notice of default from them, stating I had not made any payments. 

Once I received this notice, I printed off the images of the cleared checks and contacted XXXX, and they indicated that they could not service or answer my inquiry as it was in default and sent to another loan servicer. I have since paid off those smaller accounts, but they are still showing up on my credit report as " closed-missed payments '' and prohibiting my ability to secure credit despite my excellent credit score. 

I am beyond furious as I feel helpless and without recourse after having paid as agreed, only to have them not ever post a payment to my accounts ( Where did my money go? ), but adding insult to injury, now I can not secure credit for something that happened 5 years ago.
Consumer complaint received 2016-07-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (VT)

Specialized loan Servicing is reporting inaccurate and false data to all XXXX credit reporting agencies on a home mortgage. This inaccurate information includes incorrect balance, incorrect monthly payments, number of late payments, foreclosure status, and dates.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act : 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 -- -- Accounts XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-27
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. (GA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX  Balance : {$360.00} XXXX XXXX XXXX Balance : {$380.00}
Consumer complaint received 2015-08-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

I filed a complaint and dispute with transunion and when I called because score had not adequately changed and online report showed derogatory items but could not see what they were and could not get a copy of my report without having to pay for it ( last one was XXXX 2014 ) and when I called them the person who answered could barely speak XXXX and was hard to understand and when I asked for a supervisor I was directed to another person who was no better than the first person. My wife tried to talk to them and they refused to talk to her and hung up and dispute has never been resolved.
Consumer complaint received 2017-01-16
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Hunt & Henriques (CA)

XXXX XXXX and I in XXXX 2016 came to a Settlement Agreement, at the time I was represented by an attorney. Additionally, XXXX XXXX, 2016 in the letters in the link I 'm providing you will see that XXXX hired XXXX agreement a 2nd law firm to collect on the debt. Why would XXXX XXXX do something so careless other than to harass and abuse me? 

Please know I am a XXXX citizen. 

The file is too large to attached to the CFPB portal so I have enclosed a link for all the details. XXXX I am requesting that this issue be investigated by the Special Investigations Unit of the CFPB. I am no longer represented by an attorney. 

Why would any company do such a thing other than to violate the FDCPA, RFDCPA, and a whole slew of other laws. Their intent is clear that they wish to harass the XXXX.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 Stated that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-27
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (MI)

Account Name : NelNet Account number : XXXX I am sending this letter in response to a letter you sent me on XX/XX/2023. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). I am NOT requesting a verification, but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you.

Please provide me with the following information : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual furnishers of information.

3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe.

4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired.

6. The method of communication you used to verify the information.

7. Requesting that full account numbers are revealed for the partial account number being reported.

8. A valid, legible copy of the agreement stating the debt and interest charges. If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 


Thank you, XXXX XXXX
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MO)

I have a report on my credit report that I am XXXX days late on my XXXX account. I am NOT late and I have a letter stating this. I dont know where you are getting your info. But this needs to get taken off my credit report. Its damaging my credit and my husbands.They said they DID NOT report this.
Consumer complaint received 2016-07-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have now submitted XXXX cases against Transunion through CFPB portal for permitting unverifable information to continue to be reported on my credit report by a company named XXXX XXXX XXXX. The CRA has a duty to have verified this information as being valid PRIOR to placing it on my report! They did not! Under the FCRA Section 609, I have a legal right to PHYSICAL, verifiable information with absolute, 100 % proof I am liable for this companies ' alleged debt being owed to them! Transunion NEVER sent any verifiable information from the 1st complaint, nor have they done that in the most recent complaint. How is this following the FCRA guidelines? THEY MUST DELETE THE XXXX ENTRY AS A MATTER OF LAW, because they have never sent me any proof under Section 609 of the FCRA. As it stands, Transunion is being Willfully Noncomplaint, which is against the law.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX, the account did not appear on my credit report. However, it unexpectedly reappeared on XX/XX/XXXX, indicating a delinquent balance. This is inaccurate and a violation of the Metro 2 compliance standards. Specifically, there are apparent discrepancies related to the " date of last activity, '' " past due amount, '' and " date of last payment. '' I am writing to formally lodge a complaint against " XXXX XXXX  XXXX '' and the Credit Reporting Agencies ( CRAs ) Experian and XXXX regarding their unacceptable credit reporting practices. Despite my account with XXXX  XXXX XXXX being closed in XX/XX/XXXX due to fraud, these entities continue to report the account as active. Furthermore, XXXX refuses to address the issue, asserting that the account complies with the Fair Credit Reporting Act ( FCRA ). 

I believe this conduct constitutes a breach of the Fair Credit Reporting Act ( FCRA ), particularly sections 623 ( a ) ( 2 ) and 623 ( a ) ( 5 ). According to Section 623 ( a ) ( 2 ), furnishers must provide accurate information, which they have failed to do in this case. Section 623 ( a ) ( 5 ) mandates that furnishers report the delinquency date to the CRAs, which has been incorrectly handled here. 

Furthermore, this erroneous reporting violates the Consumer Financial Protection Bureaus ( CFPB ) Regulation V, which implements the FCRA and has been disregarded in this instance. Under Regulation V, furnishers must rectify and update inaccurate information, a responsibility they have neglected. 

The inaccurate reporting by these entities has had a detrimental impact on my credit history and score. Consequently, it unfairly hampers my ability to access credit and other financial services. XXXX XXXX XXXXXXXX and the CRAs ' ongoing negligence and failure to comply with consumer protection laws and Metro 2 compliance standards are causing significant harm to me.

I am asking for an immediate investigation into this matter by the CFPB. Also, I demand that the CRAs correct my credit report to delete the erroneous information, accurately reflect the status of my account, and ensure future compliance with the FCRA and Metro 2 standards.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 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 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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 XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-01-03
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NJ)

I keep contacting the CFPB regarding unlawful fees that TD Bank keeps taking out of my account. Not only did TD bank not refund all the unlawful fees that they took from my account they keep taking. I was told by the banker who opened my account at the time that I would pay no fees if I keep a minimum balance of XXXX $ in my checking account and make a monthly payment to a saving account of XXXX $ that I will no pay any fees on. I was misinformed by the Bank they where taking XXXX $ from my personal account and XXXX $ per month from my savings account. After filling a complaint with the CFPB in the past some of the unlawful fees where refunded to me. However XXXX stated that it was worng. They are now doing the same thing again charging me with a XXXX $ maintance fee that they said it was a mistake and they will fix it. I keep saying it but my voice is not heard TD bank discriminates on the basis of religion and national origin they want me to close my account because I have a heavy XXXX accent so they cause a lot of problems with my account. They also discriminate when it comes to credit they decline credit for me when other lender would approve. I hope that the CFPB will investigate this bank for its unfair practices.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX. Account number XXXX. Date opened XXXX XXXX, XXXX XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account number XXXX. Open/closed Open The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 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 premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( 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 ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-05-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2017-08-02
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Seattle Service Bureau, Inc (UT)

On XX/XX/XXXX, I was contacted at my place of work by XXXX XXXX of National Service Bureau. After I indicated that I was the person he was looking for, I told him twice to never contact me at that number again and disconnected the call. Immediately thereafter, XXXX XXXX called my work number again to " verify my employment '' with one of my coworkers. This is absurd since he just finished speaking to me at the very same number. Also, he asked my coworker to give me a message to contact him and left his phone number. Since then, XXXX XXXX called me at my place of work again on XX/XX/XXXX to inform me that he could in fact call me at work. I again instructed him not to ever call me at work again. This is a violation of my rights under the FDCPA.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contacted XXXX, XXXX, TransUnion LLC multiple times, my Initial date of first contact XXXX XXXX follow up letter dated XX/XX/. I asked them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting. 

Account:XXXX XXXX, Account : XXXX XXXX XXXX, Account : XXXX XXXX XXXX XXXX This is a clear VIOLATION of my consumer rights under 15 U.S Code 1681b -Permissible purpose of consumer report ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) in accordance with WRITTEN INSTRUCTION of the consumer, to whom it relates. 

I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer.

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

15 U.S. Code 1666b A. Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any reason. 

Account : XXXX XXXX, Account : XXXX XXXX XXXX. Both these accounts are a VIOLATION of my consumer rights According to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681a ( 2 ) a ( 1 ), except as provided in paragraph ( 3 ), the term " consumer report '' does not include reports containing information solely as to TRANSACTIONS.

Therefore, I request that my TRANSACTION between Myself and XXXX XXXXe XXXX, XXXX XXXX, be updated to what is fair and equitable to me as a consumer. I request Accounts be updated to, PAANL ( Paid As Agreed Never Late to my consumer report. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding that the Accounts LISTED be BLOCKED and DELETED IMMEDIATELY! On XX/XX/ I Have Filed a FTC COMPLAINT REPORT XXXX. 15 U.S. Code 1681c-2 A consumer reporting agency shall block reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt by such agency of. ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2016-12-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (CA)

Attempted to close an account with TD Bank that I 'd opened several years ago. Was told over the phone in approximately XXXX that I 'd either have to go the branch I opened the account in ( not feasible due to distance, I 'd since moved 3k miles away ), or that I should zero out the account and they would put a note in the account to close it once it was zeroed. A few weeks later, I transferred the money out, zeroing my balance. I received a paper letter from them in late XXXX, but assuming it was the notifier of account closure, I did n't open it until yesterday ( XX/XX/XXXX ). They did not close the account, they left the account open, then assessed low balance fees and returned ACH fees against the account, and then charged it off after being less than two months in arrears. They made no attempt to contact me beyond the paper letter dated XX/XX/XXXX ( I believe ) before doing so.
Consumer complaint received 2016-07-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

IQ Data ( DBA Rent Collect Global ) called 6 times within 3 days at my work place. They requested I pay an outstanding utility and move out fee. I requested proof of the bill via mail. Caller was a bully and insinuated my credit would be negatively affected and I would start paying an interest penalty if I did not voluntarily pay today. The thing is -- I 've already attempted to pay the bill 10 days after the Landlord billed me. Key dates below : XX/XX/XXXX - Moved out of Apartment XX/XX/XXXX - Received final bill utility bill of {$120.00} from LL with instructions to mail to Rent Collect Global XX/XX/XXXX - Mailed {$120.00} to Rent Collect Global XXXX - Rent Collect Global RETURNED and voided my check ( I have scanned/saved a copy of the returned envelope, check, and bill ). Rent Collect Global stated I had no account on file with them XX/XX/XXXX - Received 4 calls at work. Debt collector stated I owed {$320.00}, not the original {$120.00} I was billed. I asked for proof. Debt collect stated none would probably be given. 
XX/XX/XXXX - Received another call & voicemail XX/XX/XXXX - Received another call and this guy stated he would start charging interest on my outstanding debt where there was no proof of the additional {$200.00} of outstanding debt.