davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-10
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. (IL)

Transunion is causing me pain and suffering. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX are in violation of the Privacy Act of 1974. I did not give XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX consent to report my nonpublic personal information. As well as, I do not ever remember doing business with any of these companies. Because my privacy rights are being violated, my family and I are suffering emotional damages, mental stress and health issues. I am suffering emotional damage while I am trying to purchase a safe and suitable home for my children. Me and my children will be homeless, because I cant get a home. All because Transunion has falsely obtained and disclosed my nonpublic personal information without my written consent required by public law. I am exercising my right to opt out of Transunion disclosing and collecting my information on these accounts, 15 U.S.C. 6802 6804 Obligations with respect to disclosures of personal information. Transunion is a non-affiliate third party to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. Because these companies sent my personal information to Transunion more fraud has been committed against me. I would like for Transunion to give me the document I signed to give consent to share my nonpublic personal information. And if Transunion somehow finds forged consent, I still have an inalienable right to exercise my right to opt out. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' My intent is to seek legal counsel ; however, I am giving Transunion the chance to resolve this issue outside of the court system.
Consumer complaint received 2024-04-07
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (AZ)

I have had an XXXX store credit card for XXXX or XXXX years. During that time Synchrony Bank, the issuer of the credit card, has never sent " me '' notice that a statement had " dropped '' or a copy of my monthly statement. The latter bothers me little as I pay off the total of my credit cards every month, In the case of XXXX, it is twice a month. I used to receive notice that a Synchrony statement had issued when I was a customer of XXXX XXXX XXXX. Why the bank and not me, I do not know. 

I stopped doing business with XXXX XXXX XXXX last year or earlier. Since then I have tried to get Synchrony Bank to send " me '' the notices that a statement had been issued. Because this is a twice a month billing, if I fail to receive notice that something is owed, I could inadvertently fail to pay on time and be charged finance charges. Frankly, I am beginning to believe is why Synchrony Bank has failed to correct this problem. I have complained several times and, was of course, assured that the problem had been fixed. After one of my complaint sessions a month or two ago, I received 4 ( I think ) years worth of paper statements! I didn't ask for that, and I don't know what their purpose was. 

I tried today to " chat '' with the bank about the problem, and basically the representative simply " tap danced. '' around the problem and was told to call Monday. Well I am through talking to these people.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

I reported this citicard Cbna company for several months, XXXX keeps sending this back as verified with no proof, the balance is wrong I reported account as identity theft and fraud because charges was made without my authorization when I was out the country and XXXX didn't investigate the account correctly, if they would have they would have seen that the Citi bank disputes was for the same account, not to different accounts and amounts. I have sent identity theft and police report already
Consumer complaint received 2023-10-12
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: Experian Information Solutions Inc. (MD)

This company XXXX XXXXXXXX XXXX still wants to show up on my credit report for account opened in XXXX & should not be reporting anymore after receiving all payment in full of {$41000.00} original amount owed in XXXX they are claiming some {$100.00} fee I owed since XXXX & claims I settled XXXX but never settled anything, company took upon there self to settle outside my knowledge & personally using this against my credit report to destroy my credibility ask that this company be investigated with how they can take action with no acknowledgement from other party which in turn has my credibility paying the price, this is an illegal act that should not go on. This account should be removed immediately from my credit report without any delay.
Consumer complaint received 2023-10-12
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: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.
Consumer complaint received 2023-10-10
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. (NY)

I notice that they are still continuously reporting these incorrect and invalid accounts from my newly updated credit report. I have never failed to mention this with the financial consulting agencies that these shouldnt be included on my credit history. They cant even send me any valid proof that I owned these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I requested a Direct Consolidation Loan from the Federal Department of Education serviced by XXXX in XX/XX/XXXX. The Direct Consolidation loan was approved by the end of XX/XX/XXXX, paid to Navient in XX/XX/XXXX, and Navient reduced my outstanding loan balances to {$0.00} as a result. Yet, FAFSA reports on its website that I actually borrowed over {$170000.00} in total borrowing when I only borrowed less than half that amount. The DOE Consolidation loan now serviced by XXXX was paid directly to Navient, not to me. My original loan balance with Navient from my original student loan consolidation loan in XXXX amounted to {$60000.00} in total borrowing, the rest is interest. According, FAFSA is reporting that I borrowed {$190000.00} in total and owe over {$170000.00} outstanding debt. This is both wrong and unjust. When I sent a complaint to FAFSA, I was ignored and nothing was done. 

My second complaint regards the handling of my original student loan consolidation in XX/XX/XXXX with Sallie Mae. I applied for a direct consolidation loan in XXXX with Sallie Mae. For unknown reasons, my direct consolidation loan turned out not to be through the Federal DOE, but was run through a commercial refinance ( private ) rather than through the Federal DOE. At no time in XXXX was I told that my Federal Consolidation Loan was not being consolidated through the federal government, but was being manipulated by Sallie Mae to private commercial interests. I have since learned that the CFPB sued Sallie Mae for fraudulent servicing practices, but I am not aware of how student borrowers such as myself who were misled by Sallie Mae into student loan consolidations that were privately held. In my case, according to DOE and XXXX, none of my prior XXXX  years of IBR payment history will be credited toward repayment of my student loans as a result of Sallie Mae 's fraudulent lending practices. I believe that similarly situated borrowers like myself should be provided with some avenue of relief from Sallie Mae 's deceptive lending practices. In my case, all of my loan payment history should be counted toward my repayment history of my student loans since XX/XX/XXXX. As thing now stand, my student loan debt will follow me until XXXX, according to XXXX. Since my degree was for graduate study, my loan should end in forgiveness after 25 years, not 39 years as things now stand. Thank you for any help you can provide. Yours truly, XXXX XXXX
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (FL)

15 Us Code 1681 c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that identifies as information resulted from an alleged identify theft, not later than 4 business day after the date receipt. It has been 30 days and you are in VIOLATION! Of the law because I am a victim of identify theft. Please delete these items IMMEDIATELY!. 
I NEVET GIVE ANY CONSUMER REPORTING AGENCY WRITTEN CONSENT to report anything on my consumer report which violates my rights as s federal protect consumer. NO CONSENT IS IDENTIFY THEFT. As s consumer I am demanding the deletion of the account listed IMMEDIATELY!
Consumer complaint received 2023-10-10
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc. (FL)

Received a notice from Innovative Recovery Inc stating they were trying to collect a debit from my previous landlord. Landlord took us to court for a false eviction as lease was up in XXXX XXXX. Left the property two days before lease completion. Court case was dismissed. 

I sent a Debit Validation Letter to the address provided by Innovative Recovery Inc, XX/XX/XXXX. Never received any written validation from the company in regards to the debit they are trying to collect. 

Company is stating they sent notices on XX/XX/XXXX and XX/XX/XXXX but no written notices have been received since XXXX, XXXX. I had to call the company on XX/XX/XXXX to asks for an email to send the court order showing case had been dismissed.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

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.

1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Georgia Student Finance Authority (GA)

Spoke to XXXX XXXX XXXX a couple of times, beginning on XX/XX/XXXX, regarding the status of my student loan accounts with the Georgia Student Finance Commission. I asked him why are they being reported as delinquent when I am currently a graduate student at XXXX XXXX University, and the in-school status was made available to all of my student loan servicers. I knew this because I called the XXXX XXXX University Financial Aid office to confirm. I also wanted to know how the accounts went from being current in the month of XX/XX/XXXX and then sixty days late in XX/XX/XXXX, which is the status indicated on all of my credit profiles. Lastly, I wanted to know why are the accounts going through status changes when student loans were paused on the COVID-19 Rescue Act beginning on XX/XX/XXXX, and lasting until XX/XX/XXXX. 

I was advised to set up a payment arrangement and make six consecutive on-time payments of {$460.00} per month under their Rehabilitation Program and at the conclusion of those successful six payments they would place the accounts back in a current status. This company has an in-school deferment policy, that they refuse to follow, as well as the national presidential order that was made active under the COVID-19 Rescue Act. As a result, they have seriously diminished my credit standings with the credit bureaus and my revolving credit accounts.
Consumer complaint received 2023-10-10
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. (FL)

I'm so disappointed! Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I made a deposit at the bank 's ATM on Friday XX/XX/XXXX at about XXXX at the XXXX XXXX branch in XXXX . I deposited a check for {$8.00} and a money order for {$15.00}. The check was posted on my account but the money order was not. The ATM did not give me a receipt for the deposit even though I asked. When I call the bank they just put me on hold. I would like credit for the {$15.00} money order that I deposited.
Consumer complaint received 2024-04-07
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (NC)

Account XXXX. 
Customer- XXXX XXXX In XXXX, I made a payment of {$15000.00} for deferral payment. Payment was taken over the phone. They did not adjust the money towards the deferral for reasons unknown and adjusted it to the next 13 months payments. They've reported that the deferral payment was never made on my mortgage statements. Now, I'm inthe process of obtaining a new home loan. My prospective lender asked me the reason why the US bank has adjusted the payments for the next 13 months instead of adjusting towards the deferral payments. The lender has requested a letter stating the facts. I've made requests and several phone calls to US bank customer service. I've also informed them about the urgency of the situation. I'd opened the case on XX/XX/XXXX. They initially said that they will email the payment history and letter on XXXX XXXX 've only emailed only the payment history. I called them about the letter and they said that the letter will be issued shortly. Again, they said that the letter was never requested. Next day, they said it will be sent. I spent several hours on call with them. I escalated the case. They spoke with administration and push a RUSH request and said that it would be emailed the same day. If not, it would be emailed on XX/XX/XXXX which is saturday. I called them back on Saturday and they said that the department is not open and will be done on Monday. I highly doubt that their intentions are clean as they've lied several times over the phone connecting me from customer service to loss mitigation. One of the agents mentioned that the deferral payment should've never been taken over the phone and it should've been taken in the form of a check in the name of deferral payments. Now, I'm at the risk of losing mortgage for my new home.If I lose the house, I'll have to sue the US bank. 
Thanks XXXX
Consumer complaint received 2023-10-12
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. (KY)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

Saw a text asking if I authorize the transaction of {$3200.00} and {$670.00} on XXXX - XXXX, I saw the text after I left work and I did not purchase anything using that debt card. That debit card or checking account are used as emergency fund. Replied the text that it was not me and call the bank right away. The Wells Fargo staff told me no need to worry they will get my money back. I do not know how the scammer got my card and my PIN number. These charges were done somewhere in XXXX  XXXX while I was working in XXXX XXXX TEXAS all day. 

I just got letter from Wells Fargo today that they are not going to get my money back because PIN number was used. BUT I did not do that and I do not believe that is fair. My emergency fund just gone like that, and how am I going to trust the second card they sent me.
Consumer complaint received 2023-10-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (MD)

When my wife was making our XX/XX/2023 mortgage payment online, she noticed the XXXX she had previously made was {$300.00} short of the monthly total. She increased the XXXX amount to add that {$300.00}. On XX/XX/2023, she and I were notified that we were delinquent XXXX months for making a payment which instantly dropped both our credit scores. Before this incident we had scores between XXXX. She contacted Freedom Mortgage and was informed that payments were received as she described but we had been marked delinquent due to the XXXX payment not being the correct amount. The representative from Freedom Mortgage confirmed that no one from the company attempted to contact us prior to them contacting the credit bureaus. While the amount was not the full amount paid in XXXX, some form of payment was made. When the mistake was discovered in XXXX my wife attempted to rectify the situation by paying more. Still, no one contacted us. We both have good credit and have always made payments on time. We are both public servants and I serve in the military, currently XXXX to the XXXX XXXX. Our jobs are affected by credit scores and for XXXX years we've made sure to always stay current with payments. Freedom Mortgage refuses to help us which means we can not got our scores changed back.
Consumer complaint received 2024-04-06
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (LA)

On XX/XX/2023, we placed an order through Afterpay, to the company XXXX XXXX, with an expected delivery date of XX/XX/2023. The order total cost was {$300.00}. The order was never delivered on the date above, prompting us to contact the merchant via email the next business day, XX/XX/2023, with no response from the merchant. Ove the next few weeks, we continued to contact the merchant, but was unsuccessful, until recently. After numerous attempts, we asked Afterpay to step in and assist us in the matter, but they refused, stating that they must direct us to contact the merchant directly. Afterpay then, they provided us details where they contacted the merchant and stated that the merchant provided them with tracking details and stated that the order was delivered and signed for. This is incorrect according to the postal service ; they provided us with sufficient proof that no order was delivered nor signed for, in fact after multiple attempts of searching, they could not locate the order. After several other attempts, we finally made contact with the merchant and provided them with all the necessary proof that supports our claim, only for them to deny our full refund and only offered to provide us with a {$20.00} refund. This order through Afterpay has now been sent to collections leaving us with the burden of trying to recover our funds. Afterpay closed the dispute, restricting us from creating a new one for this order.