davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

unethical behaviour on the part of Equifax I have called everyday since XX/XX/XXXX and they told me that my addresses do n't match up and that is why I ca n't get online to do my disputes. I have faxed 2 seperate copies of my information that you all requested and mailed it and nothing. Everyday is just wait 24 hours, just wait 48 hours. Then today ( XX/XX/XXXX ) it  is the system is n't working and the system still have my old address please send me that information. I just want my address in the system changed to XXXX XXXX XXXX XXXX, XXXX, VA XXXX as my current address so that I can get into the dispute system. No I do n't not want you all to do it for me because this is my file and I believe that you are making it so I ca n't get in. That is illegal for you all to hide my credit file from me because it is mine. My phone number is XXXX
Consumer complaint received 2024-10-29
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)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX
Consumer complaint received 2024-11-16
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CO)

US Bank gift card with {$250.00} balance did not work. Called the company no help was offered. Called the company again to speak with a different agent, a replacement card was sent after a prolonged and difficult conversation about the issue. Agent confirmed the gift card balance of {$250.00}. Replacement card was received. Tried to activate the card multiple times using both the automated phone line and the provided website. Neither system would activate the card. Called the company again using the original card number ( can't connect to an agent using the card number that will not activate ). Agent directed me back to the automated phone system and website which do not activate the card.
Consumer complaint received 2018-01-17
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (AA)

INVESTIGATE ILLEGAL TRANSACTIONS XXXX XXXX XXXX NOT RECIEVED HONEST DEPOSIT OR DEBT/ CREDIT FROM XXXX XXXX OR A HONEST ANSWER I WAS ILLEGALLY ENLISTED IN CONT USA XXXX HOWEVER IM ENLISTED IN XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
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. (MI)

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. 

Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I have a XXXX XXXX bill showing on my credit report for {$74.00}. I don't know when I had XXXX XXXX  but it was over 10 years ago. My credit report shows a bill opened XX/XX/19 on my credit report that is not mine that I recall at this time it is inaccurate. At least not here in Florida. I have been here for four years now.
Consumer complaint received 2018-01-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MN)

I recently sold an item on XXXX which requires a paypal account to do. On XXXX XXXX paypal closed my account and informed me I would n't be able to send or receive any payments on that account. On XXXX XXXX the item on XXXX  sold and the buyer paid and paypal accepted the payment into my account even though it was n't supposed to. They then proceeded to tell me that because my account was closed they were going to hold my money for 6 months before they would let me have it. Today XXXX XXXX I was able get a supervisor to agree to let me transfer my money to my bank account I had linked to my paypal. I tried several times to transfer it but the system would n't let me so I called them again and the agent then said that I would n't be able to transfer the money because they reviewed and closed my account today and were going to hold the money for 180 days. I told them that the account was closed on the XXXX and I the supervisor named XXXX had lifted the limitiation and i was supposed to be able to. She said according to her records the closure was from today and nothing would or could be done. I then referenced the email from them at XXXX XXXX saying I could transfer my money out. She would n't listen i then referenced their own user policy which stated that an account owner would be given an opportunity to transfer out any funds before they closed it. She did n't care. The money should have never been allowed to go into the account to begin with and they new that that 's why they pretended to let me transfer the money out only to a few minutes later re block it. So they could then claim the closure came after the f Money was added and could then keep my money for 6 months.
Consumer complaint received 2017-04-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Nelnet, Inc. (FL)

I have tried to apply for an income based repayment plan. They are now telling me I need to apply again for the  3rd time sin ce  XXXX . They state I still have  one p ending. This has been going on for months, meanwhile they raised my payment to over {$1200.00} a month when it is supposed to be {$450.00}. This has caused me to have to forebear payments which is causing a negative amortization on those loans.
Consumer complaint received 2017-04-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CT)

When I entered XXXX XXXX College, my father, a single-parent was only able to get a Parent Plus loan my first year. After that the financial aid department recommended XXXX and said it was the only option. When XXXX sold to Navient my government loan switched to private without my knowledge or approval. Fast-forward to now, my father, nor myself can not afford to pay the absurd amount of {$800.00} a month and I do not have the option to defer or have a monthly payment per my salary. This has put a great financial burden on myself, as well as my father who now works XXXX jobs in attempts to rectify this. Immediate help needs to occur as the Navient workers have been rude, and extremely unhelpful in any rectifying of this matter.
Consumer complaint received 2017-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

I am behind on my Mortgage payments, I have had poor-paying jobs for a few years, plus mental and physical health issues. Since end  of 2016,  I have tried to work with the Co, to resolve some title issues on my property. I understand that I have the right to request the complete closing docs, from the original closing ; but the Mortgage Co has been very slow and in-cooperative with my request for docs. Finally, after several verbal requests, I was informed to put a request in writing, which I did.  Now there may be  a  Sherriff 's sale on m y property, while I am still being delayed by the Mortgage Co, over my requests for info. I shall probably go forward with the Dee d in Lieu of Forec losure, since I am running out of time, caused directly by the in-cooperative movements by the Mortgage Co. Please advise if I have any leverage over the  Mortgage co. wa sting so much of my time. I do not have any money for an attorney.
Consumer complaint received 2017-04-19
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (NY)

Trying to refinance our mortgage to a fixed rate. Spoke with Quicken Loans representative and discussed we have excellent credit, new home (  3  yrs old ). Rep said they need {$500.00} down to start process and all closing costs fees could be rolled into the loan. Told him looking for fixed rate, no PMI insurance, closing costs rolled into the loan and felt our home could be appraised at {$250000.00}, like it was initially when we built it including  33  acres of land. Provided all of our financial information,  (  pensions, savings, and additional property to our home ). Representative confirmed we had excellent credit. Received a  Loan Estimate  on  XXXX  with closing costs for {$7700.00} and {$1000.00} CASH due at time of closing. Mind you, I was told I only needed to pay {$500.00} to start the process, the rest could be calculated into the loan.  Appraiser  then came to our home. On   XXXX   appraisal was done for {$210000.00} and homes in comparison were over  11  miles away and ranged from  7-28  yrs old and not good comparisons which now increased our closing costs to {$11000.00} with {$3200.00} CASH due at time of closing. When I called and questioned the appraisal I was told they can not dispute the appraisal. I told them I no longer wanted to pursue this loan. I called and spoke with the  Executive Office  that handles these matters and was told we could supply the appraiser with sales of our choosing. I just paid for the appraisal, why do I have to supply the information?  Quicken Loan  's process is a GREAT way to check individuals credit, their assets and increase loans and payments to obtain more money. The appraisal should have been a better comparison within a closer radius and similar aspects of our home. When we built our home three years ago rates were lower and it was a buyer 's market. Today, rates are rising and it is a seller 's market ... .should n't it have come in higher than the initial appraisal? Our home should not have lost value!!!!     I asked the  QL  representative hypothetically if we received the loan, defaulted and they took ownership of the home, would they include the hardwood and porcelain floors, solid surface counter tops, on demand boiler system, radiant floor heating, corian window sills, medallion cabinets, composite decking, triple pane windows, 33 acres, etc.. I requested the refund of the appraisal of {$450.00}.
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (DE)

I had a collection account show up on my credit report in XX/XX/XXXX ( XXXX XXXX Account No. XXXX ). I believed the account to be incorrect and disputed the account with Experian. Subsequently, the account was deleted from my Experian credit report in XX/XX/XXXX. In XX/XX/XXXX, the same account listing matching balance, collection company, and account number was reinserted on my credit report. No notice was provided to me prior to or immediately after reinserting this collection account, as required by law, and its inaccuracy is greatly affecting my credit standing.
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I DID NOT AUTHORIZE THE INQUIRIES FROM FIFTH THIRD BANK OR XXXX THAT ARE NOW ON MY TRANSUNION CREDIT REPORT. I APPLIED FOR AN AUTO LOAN FROM XXXX, AND THEY DID AN INQUIRY WHICH I AUTHORIZED. AT THAT TIME, THEY APPLIED FOR CREDIT IN MY NAME AT THE OTHER INSTITUTIONS. I DID NOT AUTHORIZE THEM TO DO THAT. SIMPLY PUT, THIS IS FRAUD. THE INQUIRY FROM XXXX IS VALID, BUT I WANT THE FRAUDULENT INQUIRIES THAT WERE MADE IN MY NAME REMOVED, AND SANCTIONS AGAINST WHOEVER IS RESPONSIBLE FOR THIS ILLEGAL ACTIVITY. PLEASE RESPOND AS QUICKLY AS YOU ARE ABLE TO, SINCE MY ATTORNEY IS ALSO WAITING ON THE RESULTS OF YOUR INVESTIGATION.
Consumer complaint received 2024-10-29
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. (FL)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2017-04-16
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (NY)

The credit agency XXXX XXXX XXXX after several request have not verified this account to me. I speak to them on the phone and they have no information they stated for me to speak to their attorneys. If they have no information on me then how are they reporting and verifying it to the credit reporting agencies? The credit reporting agencies claimed they investigated and the account is verified. I have no knowledge of this account and they can not and will not properly verify this account as belonging to me with a signed authorization of me acquiring this account. They have also brought a false Judgment against me for this account that I have no knowledge about. Please assist me. Thank You
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NC)

I am filing a complaint with Experian. I have been disputing incorrect information on my credit report. They sent back a report showing that all information was verified. Based on the FCRA an original contract under Section 609 ( a ) ( 1 ) ( A ) with my signature showing was supposed to had been received. I have received no such information from Experian. All they said was the information has verified. According to 611 ( a ) ( 7 ) they have failed to provide the method of verification. Now the FCRA states under Section 611 ( a ) ( 7 ) and under 611 ( 5 ) ( A ) they are required to promptly delete all information which can not be verified.
Consumer complaint received 2017-04-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical Financial Services, Inc. (MS)

I was billed incorrectly by the hospital. I was told by the hospital that since I was admitted into the hospital for life threating condition that my insurance company would be bill as " in network ''. The hospital coded the bill stating that it was " out of network '', leaving he a large unpaid balance. After fighting with them for over 6 months by insurance agreed to pay the balance and informed me that the bill was taken care of. I have not heard anything nor received any bills from the hospital since. I was notified by XXXX that I had been placed into collections by the hospital for {$120.00} for the XXXX co-pay. My insurance company says that since I was admitted the XXXX co-pay should have been waved. I just spoke to the hospital and was told again, that since I was " out of network '' the co-pay was not waived, but could not explain why ( nor did they deny ) that they never sent me a bill for the {$120.00}. Being placed into collections caused my credit score to drop from XXXX to XXXX. This drop is causing me to withdraw an application at a local bank for a second mortgage on my house because of the negative effect the drop in score is causing to the interest rate the bank can offer. I just paid the {$120.00} to the collection agency ( that is owned by the hospital ), this is a debt that I am certain that I did not owe but restoring my credit score is far more valuable to me than {$120.00}. The inability of the hospital to code their bills correctly has cause not only my credit score to drop by XXXX points but can have long term adverse effect by showing that at one point I was sent to a collection agency for failure to pay a bill. I asked the person at the collection agency if she could note that the collection was entered in error, she replied that she could not, only that it had be satisfied. No one should have the power to damage anyone 's credit history due to their own lack of internal controls and not have the power to remove the credit bureau entry.
Consumer complaint received 2024-10-28
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. (SC)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2017-04-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (RI)

I got married in the   XXXX   o f 2016 and  am in the process of updating my legal name. I am currently trying to update my name, loan, title, and registration information with or throu gh Volkswagen Credit and after 2 me ssages with their online portal  and 4  phone calls  with 3 different representatives ( 4+ hours o f phone time ) I have been unable to get clear information on how to update my legal name on my  title ( updated title information is required to get my registration updated in my state ). The first representative told me to wait until my car was paid off ( 2.5 years ) to up date my legal name and failed to give me name change paper work for my online portal and instead instructed me to send in my marriage certificate with out any accompanying paper work to update all my account information. I asked this first representative if this was the official process as it did n't seem sufficient to update my portal information and title/registration and I was assured it was fine. After I found my name was not updated correctly in the portal I called again, and my second representative, informed me there was official VW paper work for the process of name change for the online portal and title/registration. I was told I needed to fill out this new paper work, get it notarized, and then fax the paper work back in. When I asked if faxing the documents was sufficient considering a notary was required, I was assured this was would be fine. Two days later I received a call back from this second representative telling me I could n't fax the paper work it must be mailed. At which point I insisted someone must check the paper work I submitted via fax to make sure it was complete before I went through the trouble of sending in notarized documents. I was told she would call me back. She later emailed me blank forms that gave me no indication if my paper work was completed correctly. At which point I called back and spoke with a third representative. I spen t one mo re hour on the phone with the third representative where she was able to explain details of the paper work the second representative could not. Unfortunately, following many questions I had with the third representative I was still unable to clarify exactly what my next steps would be to finish the name change process for my title and/or registration.