davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

At the beginning of this year I requested from all the major credit report companies my credit report because I notice while checking XXXX XXXX, that it said I had {$64000.00} in XXXX loans debt when I reconfirmed then and again today with my federal XXXX XXXX provided XXXX that my account balance is only {$30000.00} dollars. Plus its just impossible for me to have that much debt when I got the maximum amount of loans I could four years ago in XX/XX/XXXX. XXXX XXXX XXXX and TransUnion are reporting that I opened more XXXX XXXXoans years after my graduation date including on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I requested the a credit report via mail in XXXX I believe because thats the only free option they gave me. XXXX and XXXX both mailed me the report but I never received my report in the mail from TransUnion and I can prove this because both the XXXX and XXXX reports have exact same date for when the report was made. I then submitted a dispute via XXXX XXXX, which notified TransUnion on XX/XX/XXXX, that I believed my entire report was incorrect but all they did was change a the single loan that the dispute is attached to because you cant dispute more than one loans at a time and it takes at least a month for the dispute to be processed. Around this time I was literally getting promoted to be a XXXX so I let the matter go for some months till now again seeing TransUnion and XXXX XXXX are seemingly adding my brotherXXXX XXXX loans and other personal/auto debt onto my credit report and I believe its ruining my chances of getting loans to start my own business or simply getting credit cards or anything having to do with credit. After sending a dispute sayingy entire report was wrong they only changed a single loan on my statement. I explicitly expressed that the entire report was wrong. And honestly I dont even know how long its been since theyve been misreporting my loans.
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My name is XXXX XXXX and I writing you regarding Transunion Credit I filed Chapter XXXX on XX/XX/16 ... They are showing another Chapter XXXX on my credit file in which isnt mine ... I have sent numerous letters and disputed the information no avail ... .I 'm writing you due to the Fair Credit Reporting all information must be correct and accurate information.
Consumer complaint received 2018-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

I noticed on my XX/XX/XXXX payment statement that I was being charged a total of {$100.00} simply identified as Attorney fees. I then checked previous payment statements and found that I was charged and had paid {$260.00} in XXXX, XXXX identified again as Attorney fees. I then called the Customer Solutions Department of Lakeview Loan Servicing , LLC. and notified them of the issue. They could not explain what the chargers were for or any notes relating to the charges. They said they would check, gave me a Ticket # and stated they would look into the matter and get back to me. I have since called their Customer Solutions Department 3 times since the initial contact on XX/XX/XXXX with no answer or explanation for the charges. " NO NOTES AS TO WHY THESE CHARGES EXIST ''. Now again on the XXXX payment statement they have once again charged {$35.00} fo " Attorny Fee Assessed ''. Also, I have always paid the Regular Monthly Payment within the 15 days of when the payment is due to avoid any additional charges. This seems to be a means for Lakeview creating a slush fund and I am sure that others must be being charged wrongly too.
Consumer complaint received 2018-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I filed a complaint on XX/XX/2018 ( complaint number XXXX ). The number of qualifying payments were counted and the case was closed. Per review of my complaint, there should be 83 qualifying payments on loans 3 and 4 and 36 qualifying payments on loans 1 and 2.
I just received a " follow up '' call from XXXX  at XXXX XXXX employee ID number XXXX  Today stating my case has been reviewed and they determined that the " system reflects the correct number of payments and no changes are being made ''. I asked her to clarify because XXXX  id XXXX from XXXX XXXX and this complaint already said the number of qualifying payments should be 83 qualifying payments on loans 3 and 4 and 36 qualifying payments on loans 1 and 2.

XXXX  states that on XX/XX/2018, the case was reopened and that the number of qualifying payments on loan 1 and 2 were 36, loan sequence 3 has 49 qualifying payments and Loan sequence 4 has 82 qualifying payments.

I am refilling this complaint since XXXX XXXX   reopened the case and they disagree with the information the prior complaint response states. They are unable to tell me when they will be able to recount payments or give me an update.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Content of Complaint this CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, Block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists XXXX XXXX Open Date XX/XX/XXXX Account # XXXX, XXXX XXXX XXXX Open Date XX/XX/XXXX Account # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer FICO credit report. All of the aforementioned account, Collection are the result of identity Theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account and Collections are the result of identity th
Consumer complaint received 2024-10-09
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. (CA)

After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? 


Account Name : 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 This is grounds for removal. 


They also violated my rights under 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 an account without my written instructions 15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more XXXX {$1000.00} ; 15 U.S.C 1681 Section 603 ( 3 ) ( E ) States ; The term investigation consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


15 U.S.C 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

My account with this XXXX is being reported late and i was never late! I have had exceptional payment history with this company 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 in months I was reported late to be removed 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. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

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! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-10-29
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. (NY)

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

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 2024-11-06
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. (OK)

I have submitted this with identity theft report, but the XXXX XXXX XXXX  is still on my credit report I have submitted the FTC report and the contract that the identity theft was on
Consumer complaint received 2024-10-28
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XXXX of XXXX, Someone STOLE my identity and opened up a business card through Capital One. This person spent a total of {$7700.00} and opened a business called XXXX XXXX XXXX  in XXXX, GA. I live in XXXX, NY. I completed police reports, affidavits, filed reports through the FTC, and filed disputes through all of the credit bureaus, etc. Police report was through the XXXX XXXX Police department- report number XXXX. The account was closed in XXXX of XXXX. However, Capital One deems me as responsible for paying the amount listed above. I spoke with several different people, and filed theft complaints. My exact case number is XXXX. This came back as non-fraudulent and I was told that there was nothing else they could do for me. I was not given a chance to file an identity theft claim. The account starts with XXXX and ends with XXXX. This has GREATLY impacted my family and me. We are not allowed to take out a builders loan to build our dream home because this account shows 20 months past due. I now have debt collections on my credit report because of this as well.I DEMAND that the {$7700.00} is wiped out and I am found not responsible for paying this debt that is not mine. I have NEVER been so infuriated with a company in my entire life.
Consumer complaint received 2018-03-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Back in XX/XX/XXXX I responded to a mailer from a Company called XXXX XXXX XXXX XXXX, for help with re-modification on our home. 
I called the following day spoke with a gentleman named XXXX XXXX, we had a conference call with XXXXXXXX XXXX who is the holder of my mortgage, everything seemed great they sent me papers to fill out we sent them copies of a financial work sheet, prior XXXX tax forms and four weeks of our pays stubs. 
Finally after about two weeks went by I got a phone call to say we were approved for the modification but we had to make four payments of {$970.00} by the first of every month until XX/XX/XXXX then you will get you final payment. 
Well we made all of our payments to them. 
There address were the checks went to was as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number which no longer works XXXX XXXX Ext XXXX We are out {$3900.00} now and can't recover this loss.
Consumer complaint received 2024-11-06
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my r

ights 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 an account without my written instructions. 20 USC 1232g and 34 CFR 99 - Family Educational and Privacy Act of 1974 5 USC 552a - says you are not supposed to give your ssn Violation of the Family Educational and Privacy Act of 1974 When signed you stated you would not provide my information to anyone. You are violating my consumer rights.
Consumer complaint received 2018-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I've been monitoring my credit for some time now in an effort to improve my score. I utilize XXXX XXXX and check it weekly as well as whenever I get an update from them. I checked my score today XX/XX/18 and saw my Trans-union score dropped by 41 points and my XXXX increased by 53 points. I checked Trans-union details and saw the ONLY change was the REMOVAL of a hard inquire ( XXXX  ). I contacted Trans Union and the first gentleman that I spoke with obtained my SSN and current address which he said he was updating. After I asked why my score decreased with only that one change he advised me he could not tell me and when I began to press the issue I was disconnected. 

I called back a second time and reached XXXX who essentially obtained my SSN and current address again ( it was not updated as I was told ) and told me she could not tell me why my score dropped 41pts. I asked to speak with someone who could and was transferred to her " supervisor '' XXXX who told me the same thing : there are several factors that impact my score ( I know this ) and scores are always changing and dynamic ( I know this too which is why I keep an eye on it ) as well as go to the trans-union website to check my report ( they charge for this and I don't want my report I wanted to know why removal of a hard inquiry negatively impacted my score ). Essentially NOBODY could tell me why the removal of this hard inquiry, the ONLY change, negatively impacted my score by 41pts. 

I'm frustrated and angry as I've been working to improve my score and have NO assistance with this issue from employees that seem to be outsourced to XXXX. Outsourcing is not a problem, except I've now given my SSN, full name, and current address to each employee ( 3 ) that I spoke with and despite me repeating my address several times for the initial employee to update it in their system it was not done and I was hung up on, so I don't feel confident my information is secure in another country by someone who said they were updating it. I want to know why my score dropped by one hard inquiry being removed and if they can not explain it then I need it corrected as I do not feel an essential " oh well '' suffices.
Consumer complaint received 2018-03-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (FL)

I have been working from XX/XX/XXXX to XX/XX/XXXX to consolidate my loans with XXXX, and begin to make payments, as well as take part in Public Service Loan Forgiveness ( PSLF ). Throughout this process, I have been consistently given incorrect information. Originally, on XX/XX/XXXX, my estimated payments were {$150.00} per month. The next day, I was provided a new estimated loan sheet, with estimated payments at {$340.00} per month. I awaited the consolidation process, under the guidance that once complete, my payments would be around the {$160.00} per month mark. Upon completion of the consolidation, I received a new document that stated that my payments are effective in XX/XX/XXXX, and are {$280.00}, vastly different than {$150.00} ( the  amount I agreed to previous to consolidation ). 

I called to explain this, and expressed that {$280.00} was a little too high, and that I wanted to make slightly lower payments ( at {$200.00} or less ). Instead, they stated that they had made a mistake on processing my application, and that it should never have been approved as it was. They explained that my payments are to be {$330.00} ( {$60.00} more a month! ). Because I had called XXXX to work out a better payment arrangement, they found their own error and made my payments significantly more. What originally started as {$150.00} per month estimated, had become almost double by the time consolidation was complete. I requested to unconsolidate and go back to lower monthly payments to two different servicers, and was told that was not a possibility. They offered another option stating that it did not qualify for PSLF, at {$470.00} per month. I realized then that they had no intention of handling this issue with me, or considering their mistakes. I hung up with them, letting them know that I was very upset, and this payment was not feasible for me. I live in Florida, where the cost of living is quite higher than it is in other states. My rent, utilities, and vehicle to get to work ( so I can pay them ) were not considered in their payment arrangements.

The next day, today, XX/XX/XXXX, I received another written notification from XXXX stating that my IDR plan had been approved, and my new payments are to be {$340.00} ( another increase in two days ).

I am at a loss as to what to do anymore. Conversations with them go nowhere, as well as make things worse.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

The car was in accident and totaled out and we paid the balance and they told us that they would make sure our credit shows current and yet it still states we are delinquent and were late on a payment and we were not late we were told everything was fine and they were going to fix this issue so our credit isnt effected and now it shows 30 days late on both my daughter and mines credit please help us get it fixed we have disputed multiple times now this is not fair they received $ for a car we only had 3 months
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to request that the public record listed below ( and attached ) be deleted from my TransUnion credit report because it does not meet the XX/XX/XXXX XXXX  requirements ( PII ) in the Enhanced Public Records Standards. For a public record to remain on a credit report it must have the mandatory information of Name, Address, Date of Birth and/or Social Security Number. This tax lien doesnt include either a DOB or a full SSN ( only 4 digits are provided ). I filed a dispute directly with TransUnion but they didnt seem to be aware of the enhanced public record requirements so it remains on my credit report even though it does not belong to me. As a result, I respectfully request that the CFPB inform TransUnion that this public record needs to be removed from my credit report. 
Federal Tax Lien Account # : XXXX Date Filed:XX/XX/XXXX
Consumer complaint received 2018-03-02
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: BARCLAYS BANK DELAWARE (TX)

On XX/XX/2018, i applied to credit card from XXXX. I did not recived any result at that time. Result was going to be mailed to my address in 60 days. But i did not received anything from XXXX  yet. I tried reaching out to customer support but was going to a automated voice system giving me the same information as result will be mailed to you. I am not able to speak to a real person from XXXX yet. Want to dispute this enquiry from XXXX from my credit reports. 

Credit enquiry from : Institution Information XXXX  XXXX, DE XXXX ( XXXX ) XXXX
Consumer complaint received 2018-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AZ)

Please review case XXXX XXXX I received a response on the above case with the following message " complaint appears to be a duplicate ''. Why was my response, " This complaint appears to be a duplicate '' printed in a font of 18. The font size used was a sign of disrespect on the part of Wells Fargo. Why was it necessary to print this response in such a large font that I could read it from across the room. I have already closed two account with Wells Fargo due to continuous errors on the part of Wells Fargo. I can also close the two existing account I have with Wells Fargo at any time I choose. After all the fraud accounts and all the sanctions placed on Wells Fargo I would think Wells Fargo employees would and should have a litter more respect then what you just showed me. Please explain why you feel this was a duplicate complain. It was Wells Fargo error that mail was sent to my address. If this error would not and should not have occurred I would have had no reason to file a complaint with the CFPB.