davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-02
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: Experian Information Solutions Inc. (NJ)

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 XXXX XXXXXXXXXXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX # XXXX, has violated my rights.

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 2017-07-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CO)

I attended XXXX University in Fall XX/XX/XXXX-Spring XX/XX/XXXX. To pay tuition and help with expenses, I took out a XXXX XXXX Signature Loan from XXXX XXXX. I ended up getting a job offer from XXXX in XX/XX/XXXX and never attended classes at XXXX University in the Spring semester. XXXX XXXX paid the school and XXXX accepted the money against my wishes. I went into repayment and paid my loans until I was laid off in XX/XX/XXXX. At that point I began to use economic forbearances until I was no longer allowed to do so, at which point I was unable to pay. I received harassing calls from Cell Phone numbers requesting payment which I was unwilling to give to a cell phone and unable to give due to economic circumstances. In XX/XX/XXXX my situation improved and I received a good paying job. I tried to get in touch with XXXX XXXX but was completely unable to do so. In Fall of XX/XX/XXXX I returned to school on a part time basis. I remembered that this should qualify me for an in-school forbearance, and so I signed into my XXXX XXXX account. Fortunately my loans were not defaulted! I could not request forbearance through their system any longer, but I could contact them. I sent them a message through their system informing them that I had returned to school and was seeking in-school forbearance. I also contacted their provided phone number and was sent to an answering machine. I left a message. I never heard back through either e-mail or phone. In XX/XX/XXXX, I was informed that my student loan debt was now Navient Solutions. I assumed that Navient Solutions knew that I was back in school and had automatically deferred my payments because I never heard anything else from them. In Spring XX/XX/XXXX I was informed that my loans had defaulted. I was offered a very nice settlement offer, but unfortunately I was unable to take it at the time. In XX/XX/XXXX, I was sent another message letting me know that my debt belonged to a company called " XXXX '' and they expect full repayment. They gave me the options to dispute the debt in writing, which I did. This debt should not be defaulted as I am and have been in school on a part time basis for the past 4 years. On XX/XX/XXXX I received a response of a single promissory note from XX/XX/XXXX with a note that " We are confident that all your questions should be answered by the enclosed documentation ''. I also received letters letting me know that these loans would be sent to law firm. The letter says that if I have until XX/XX/XXXX to respond, but when I tried to call the number provided I was once again sent to an answering machine. I left a message but have not heard back. I filed a complaint with the CFPB against XXXX, but they replied that they are not to blame and that Navient and XXXX XXXX are to blame. Now I 'm writing to you again, this time with Navient as the recipient of the complaint.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was inquiring regarding TransUnion. I was denied an opportunity because my TransUnion report keeps saying I have too many delinquent and derogatory accounts. 
That isn't true. I have a screenshot of the TransUnion profile that states 0 derogatory 0 delinquent accounts. Its unfair for them to state that it puts my profile in a very negative light,
Consumer complaint received 2017-01-15
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I have been working with capital one with my payments they advise as long as I make the payments they set up with me my account would stay positive. It currently shows I have a available balance but transaction was declined. I reached out to capital one and they advise that the account was restricted for nonpayment even tho they take out funds biweekly more than the minimum payment. The supervisor could n't explain and said sorry and hung up. This is the worst expierence ever.
Consumer complaint received 2017-07-31
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. (MI)

Under the new law effective XXXX XXXX, 2017 any public record must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The credit Bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit report. I disputed this item with XXXX, Transunion, and XXXX and it remains on my credit file.
Consumer complaint received 2024-08-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Fees charged
Company: Fay Servicing, LLC (TN)

Normally the payment for our mortgage comes out on the XXXX of every month on auto withdrawal. I needed to change the account it was withdrawn from. The payment on XX/XX/XXXX did not come out ( auto withdrawal failed ). XXXX XXXX ( primary person on the loan ) is going through XXXX treatment and we were distracted and made a mistake not getting the payment made. On XX/XX/XXXX we called Fay Servicing to change the account payment would be auto withdrawn from. XXXX said no payments could be made until the all payments could be paid, including the XXXX payment ( which we thought was due on the XXXX of every month hence the company withdrawing it that day- but they said it was actually due the first and 39 days late ), penalty interest, and massive fees were paid. So, instead of paying a payment of {$2700.00}, or both XXXX and XXXX for {$5500.00}, we were told we would have to pay {$15000.00} to get caught up. To make it easier on us they were willing to try to reinstate the loan for {$8200.00}, pushing the remaining default interest of {$7000.00} to the end of the loan. Again refusing to take payments and not willing to let us pay back payments to stop the absurd daily and default charges still accruing. Also never explaining the fees. This has happened in the past and we have sold off our personal vehicles and other items and assets to cover their fees, because they have led us to believe we have no other option : foreclosure and losing the house, or paying the fees and defaulting interest.
Consumer complaint received 2024-10-11
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)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXIn accordance with the fair creditreporting act. the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ... In accordance with the fair creditreporting act. the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681
Consumer complaint received 2016-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CT)

XXXX is reported incorrectly and does not state " medical '' on credit report. They are breaking the FCRA act and did not indicate this as a medical account. I am asking that this improper reporting be deleted completely from my credit report. In the " Consumer credit reports : A study of medical and non-medical collections '' dated XXXX 2014 it states ... ... 

" As previously noted, research performed by the CFPB demonstrated that credit scoring models that treat medical collections in the same way as other collections trade lines penalize consumers with medical debt collections by underestimating their creditworthiness with lower scores.XXXX The study found that consumers with medical debt were more likely to pay their future loan obligations on par with consumers scoring at least XXXX points higher. '' The credit was reported incorrectly and needs to be removed from the credit reports completely.
Consumer complaint received 2017-01-16
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (GA)

Ordered a product from a company with my American Express card. The account was closed about a month or 2 later. About 6 months later the product stopped working and the company issued me a refund to the original card. Called American Express and they said they had the credit. They were holding it. And when I had asked they said they would issue a check. It has been almost 4 weeks and still no check. I called them, they said they mailed it. Said they would send another one, but I asked them to send it via a method that was trackable and they would not. They are holding my money hostage and will not release the funds.
Consumer complaint received 2017-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC (VA)

Soon after finishing college, I started paying on my student loans. My payment was much, but it was what I could afford. Years later, I find out that payment was only being applied to a small portion of my student loans since some are commercial and some are federal. I had no idea my loans had been split up. Last year, I discovered the issue and enrolled in the Loan Rehabilitation program. I was told many misleading things. First was that the fees and interest I occurred would be forgiven at the end of the program. Second, I was told I would be called at the end of the program to re-evaluate my payments as they were transferred out of the program. That did n't happen. I received no notification and we n't into default. Also, no penalties or fees were waived for completing the program. The entire student loan process has been filled with out-right deception.
Consumer complaint received 2023-06-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

This is to dispute the baseless erroneous delinquencies reported to the credit bureau when the balloon mortgage I had with Citizens for 15 years matured, effective XX/XX/2022. Since filing two earlier disputes on this same issue, I have received additional information to support my contention that my account wasn't managed as it should have been once it matured, and I applied for a loan modification. Prior to the loan maturity date, I received XXXX letters reminding me of the maturity date and the options that were available to me to satisfy the balloon payment. The letters stated that the only payment Citizens would accept would be the balance of the balloon payment unless alternative arrangements had been made. The letters offered XXXX options. The option I chose was to apply for a loan modification. I timely submitted all required paperwork XX/XX/2022, and the modification was finally issued XX/XX/2022. The delay was due to citizens receiving a XXXX party valuation which was out of my control. While, the delay was pending, Citizens continued treat my account as if it were still active and sent me delinquency letters even though I tried to make the payments they said they would not accept, did not accept -- payments I tried to but were returned. I was also informed by Citizen employees that once I applied for a loan modification certain protocols should have been put in place but were not. The delinquencies were based on system generated letters not applicable to the true status of my account. Citizens has also stated that the delinquencies were based on my not paying the balloon in full. If this is the case, why did the 4 letters state that the balance was due unless an alternative arrangement was made and I timely applied for a loan modification as an alternative arrangement. Again, the delinquencies were based on a false narrative that my account was active, and I abruptly stopped making payments. In addition, as you will see in the attached documentation, the alleged delinquencies were based on the {$770.00} monthly payments on the mature loan for the 4 months my loan modification was pending, and not on my failure to pay the balloon on XX/XX/2022. They fail to acknowledge or even consider I made an alternative arrangement to satisfy the balloon payment and they did not accept the monthly payments, even returned the payments went on to state the payments were delinquent. I learned that once I applied for the modification, credit reporting should have been put on hold as they could not accept them, and records/documents should have been updated to show the true status of my account. Rather, my account was mismanaged, and Citizens continues to promote this false narrative that I did not pay this account for 4 months. ( Please see attached supportive documents. )
Consumer complaint received 2017-08-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I have notifed portfolio recovery that I am not liable for a Balance of {$3900.00} that is being reported to XXXX, XXXX, and XXXX. portfolio recovery has failed to provide Validation of the debt, that proves that I have a signed contract with them. I notified them that I have exempt funds in the form or Social security Benefits and XXXX Veteran Benefits. Continuing to harasses and make attempts to collect this debt are against the law. I demand that portfolio recovery discontinue collection efforts and delete all accounts that are being reported to XXXX, XXXX, and XXXX.
Consumer complaint received 2017-09-07
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: Experian Information Solutions Inc. (TX)

A while ago I disputed a collection account that appeared from XXXX  ( XXXX XXXX XXXX ) for a debt that was originally from XXXX XXXX. I disputed on the bases on NO Contract, No Validation and it was removed from my report with XXXX, XXXX and Experian credit bureaus. Over the last week XX/XX/XXXX-XX/XX/XXXX it reappeared on all 3 bureaus again, with no notice or warning. Basically, this alleged debt was removed over a year ago after it was disputed, and then re-added within the last week. No notice from either credit bureau ( XXXX, XXXX or Experian ). I called all bureaus and asked that it be removed based on the the fact that it was removed after a previous dispute yielded No Contract or No Validation. I was told that it would not be removed but re disputed and would take up to 30 ( MORE ) days. Meanwhile this Inaccurate, Unverified, Non-Validated, No Contract alleged debt has done significant damage to my personal credit report and credit scores.
Either removed from all 3 credit reporting bureaus ( not able to re-add ) or Legal action filed against all parties involved
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IN)

Companies doing hard inquires days with each other. Causing  XXXX  or more hard inquires to hit m y credit score f or  XXXX  company.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (IN)

We had a Retail Installment contract and security Agrement with XXXX XXXX not with Americredit or GM we want this info report on my and my husbands credit file to be removed! We never signed anything with these two lenders XXXX  XXXX did, we did not! Its destroying both of our credit, we have asked for it to be removed from our file! We are demanding it, ASAP, wehave provided documented proof we did not sig any loan with GM or Americredit! XXXX XXXX signed the paper! The XXXX was A Lemon had open recalls on and we could not get it repaired the part were comming from XXXX andvXXXX  XXXX could not get the part after several months of the car not running and breaking down we stopped making payments and within 1 week the care was picked up and we were told it re sold! We were lied to by the Dealer and This lender we have asked to have this removed off our credit files! But they refused,
Consumer complaint received 2023-06-02
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. (FL)

I am a victim of identity theft and I have filed a Identity theft report regarding personal and credit information appearing on my consumer report that are not transactions done by me nor to which I received any benefits.
Consumer complaint received 2023-06-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been a victim of several data breaches and I ended up having inaccurate and unauthorized accounts listed on my credit report. Therefore, I submitted an FTC report to each of the bureaus listing all accounts that didn't belong to me. some accounts were removed but others weren't and the bureaus failed to notify me of the investigation results. I also sent in a letter asking for the steps they took to verify the accounts and they failed to respond. I feel like im being taking advantage of and this is severely ruining my life because these accounts are inaccurate nor do they belong to. I need all of these accounts removed immediately
Consumer complaint received 2016-09-13
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (NC)

My XXXX-year-old son received a new Wells Fargo debit card in the mail. I thought it was an update on his regular debit card. He took it into a bank branch, and was told that it was a cash in and out card only. The employee told him that he was better off just using his all-purpose debit card, and paying no attention to the cash only card. I 'm not sure about this, but it seems related to the Wells Fargo fraud.
Consumer complaint received 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Unauthorized Inquiry 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 don't 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. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have submit a identity theft Affidavit to Trans union by certified mail they received it XXXX XXXX that the should block the fraudulent acc that on my credit. I called sever times to speak to supervisor the said they filled out a form for someone to call me back. they will not follow the laws.