davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Consumer complaint received 2015-04-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OR)

Navient is my loan service provider. I choose to make my payments every month myself as I work in the XXXX and believe that ACH debits create more headaches then actually help the consumer due to the number of fees I have seen them cause for this so called convenience. I have XXXX loans with Navient and I always pay a little more then is what is due. I contacted them on XXXX/XXXX/XXXX because I noticed that I was paid ahead and had been for sometime. I did some research on their site and noticed that any extra payments do not get applied to the principle of the loan they go to future payment. I emailed them and asked that my payments be reapplied to the principle instead of future payments and that going forward my payments be applied that way. Their response was that their platform does not allow that unless you are on auto pay. XXXX if all I feel as if I am being discriminated against because of the way I choose to make my payments. XXXX of all this could cause not only myself it any other people who want to pay this way to pay more in interest in the long run. For example a change in payment date could effect the total payed on the loan or if you were not paying attention and noticed you did n't owe anything on the statement and forgot to pay it you would have made that future payment for no reason. I believe that if thy are going to offer it for XXXX type of person making payments a certain way anyone making payments should have the same options. XXXX I believe they have probably profited from this practice unfairly charge people interest by not applying extra payments to the principle of the loan. Thank you for looking into this.
Consumer complaint received 2016-03-16
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

In case XXXX, SPS continues to say that XXXX was acting to protect their interest in advancing funds to pay off XXXX. 
This is not the case, because I was in NO threat of foreclosure from XXXX, and XXXX did not have any idea of arrangements with XXXX to bring the account current. 
The reason I was delinquent in the first place was because I had XXXX and it took a long time to recover. XXXX was very helpful during this time, unlike XXXX. 
Because I was not in danger of foreclosure from XXXX, XXXX did not protect their interest, but did arbitrarily ( and I say illegally and unethically ) decide to pay off my first mortgage with XXXX. 
As such, it was a cash out refinance, entitling me to the right of rescission. As I have said before, I NEVER received ANYTHING showing where any of the money went, let alone any RESPA documents. 
I am willing to see what a Judge would say in a court of law, is SPS?
Consumer complaint received 2016-03-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime (TX)

In XXXX of 2015 I purchased a car from Drivetime in XXXX. I was given temporary plates and was told that my permanent plates would be mailed to me. The expiration date on the plates was approaching so I called. " They are on their way. '' I called everyday for 2 weeks. Nothing. My son went to the store for me and was pulled over, 1 day after the temps expired. He was ticketed. I went to the Drivetime store and spoke to XXXX, the GM. He stated, " I am so sorry. Your car 's file was placed in a drawer with some others and the paperwork for registration was never sent out. '' He then proceeded to ask for the ticket and my insurance information. He stated, " I will make sure this is taken care of before the court date. It was our fault. This is our responsibility. '' I was given another temporary plate and when I asked for the original ticket, he said he needed it for payment. 
Through XX/XX/XXXX I have been calling, and following up. It escalated to Customer Relations where I was speaking to XXXX. Per XXXX only part of the initial ticket would be paid even though XXXX said it would all be taken care of. And then when I called again, I was told by another rep that XXXX would no longer be taking calls from my on this matter. It was considered closed. 
We have not received any letter from the courts so we thought the matter was indeed taken care of. My son, who is now XXXX, is swearing into the military this week. We find out that NOTHING has been paid and my son has WARRANTS!! When I call Drivetime, I speak to XXXX who has to " research '' this because it has been 6 months and then says, " If I were you I would get a lawyer. '' Then she follows it up that they will only pay a partial cost of the fines as XXXX initially stated. 
I 'm sorry but after almost a year of fighting with this company, not even including the mechanical issues I have had with the car is just to much! If they had done their job filing the paperwork there would never have been a traffic stop to begin with.
Consumer complaint received 2015-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

Equifax keeps telling me this is " verified ''. It is a judgment that never went into court and never happened. The judgment, as per Equifax is " pending '' and is dated XX/XX/2009. Case # XXXX. I have been in touch with the clerk of the court. IT DOES NOT EXIST!! This is reporting illegally and causing me financial harm!!
Consumer complaint received 2024-11-21
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. (FL)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXXollectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2016-03-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NV)

On XXXX XXXX XXXX, I went to Ocwen Loan servicing website to check our mortgage account. I found that Ocwen failed to report to all the credit bureaus on XXXX XXXX as being current. Ocwen is reflecting for XXXX XXXX, no payment history available for this month! Per Ocwen payment history on us it reflects that Ocwen received our XXXX XXXX payment on XXXX XXXX XXXX. Also, per our credit history that Ocwen has, it reflects that on XXXX XXXX that no payment history available for this month! You can view these documents in scan # XXXX which is provided. Ocwen also reflects that XXXX to XXXX XXXX, there was no payment history available. This is inaccurate. Per Ocwen print out, it reflects that we did make our payments for those months and on time! You can view this document on scan # XXXX. We paid Ocwen Loan Servicing and they are required by law to report accurately. As you can see, Ocwen Loan Servicing has failed to report accurately, violating federal law! By not reporting accurately, Ocwen has caused future creditors to potentially not approving us to have a loan due to these inaccuracies. This is a clear violation of our rights which must be addressed and resolved immediately!
Consumer complaint received 2016-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: WELLS FARGO & COMPANY (MN)

I have XXXX loans ( XXXX school ) that combine to XXXX from Wells Fargo. I have been looking for employment since XX/XX/XXXX -- approximately 6 months before graduation and 16 months from today --, and since then I have been unable to find any. I am living with my mother for the first time in a decade, my savings are now depleted, and I can no longer pay the loan minimums. 

When I contacted Wells Fargo last month ( XX/XX/XXXX ) in our ongoing conversation about this issue, a representative told me that I was eligible for further 2 month forbearance on each loan. I called today to arrange these forbearances, but the representative I spoke to refused to extend the forbearance to me, despite the fact that his colleague offered me the option before, and despite the facts that I banked with Wells Fargo XX/XX/XXXX and even held a mortgage with them that was always paid on time. 

I can not make these payments and my family is no longer wealthy enough to pay my loans for me. I am doing everything within the law to find work and I will need my ( still-good ) credit to be able to rent or buy another house -- credit that will be compromised if the loans go into default. I do not understand what Wells Fargo wishes to accomplish by pursuing me for money that I can not pay them. I thought that I was getting a loan from a reputable lender XX/XX/XXXX ; today I feel like I 'm being victimized by a loan shark. 

I hope that the CFPB can intervene on my behalf in this matter.
Consumer complaint received 2015-04-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

this agency has ignored its duties and the law by refusing to correct the wrongs herein after notice and documentation for years. after hiring XXXX and the removal of XXXX items fabricated on my credit this agency still continues some of these wrongs. it appears this agency has an understanding with the banks to do this to make them money and to retaliate with clients for enforcing rights regarding bogas statements i did not pay a legitimate bill.. 
there are XXXX fabrications now. one is the charge off by XXXX. for services never received. this was retaliation for enforcing right not to pay for services i did not receive known by said company and after notice to bureau. the next is a charge for services by XXXX. for materials never received they said i did not return XXXX and for XXXX false claimed bill owed at address i never lived at and otherwise never owed and this account was started by XXXX. by misrepresentation and never complying with the contractual agreement they false advertised on t.v. further they did not provide services when stoped working and later charged for enforcing rights retaliation as the false credit report for XXXX dollars. the debt collection agency further can not to date tell me the details their clients claim as to what happened from the start and thus report not caring of the truth of the matter as the bureau who compounded same after notice. the bureau now as a result of the fabrications compound same by reducing my credit for maxing credit card and making loan applications directly caused by denials of credit from these wrong
Consumer complaint received 2016-03-15
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation (MO)

AVANT LOANS : This company does not allow you to update your bank information online in order to pay the loan. They require undue burden of mailing in a voided check which could cause problems with the old checking account and unnecessary fees for returned items. They also do not allow you to update your address online - it must be through mail or fax. 

I wanted to pay additional money on my account toward principal. This company does not allow that and requires that interest and fees are paid first - even if you have made your regular monthly payment. I asked what amount of my payment would go toward the principal and they REFUSED to answer unless the payment was made. there are no payment tables, no customer support regarding early payoff totals - nothing. 

Address is absolutely not found or VERY difficult to find on website. Contact Us takes you to a form - you fill it out and hope someone gets back to you.
Consumer complaint received 2015-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (GA)

Reinserted previously deleted information. XXXX corrected data on my credit report with Experian Report dated XX/XX/XXXX. On XX/XX/XXXX I received report number XXXX with the incorrect data reposted. XXXX sent me a letter stating the data will be updated and requested more information for the other incorrectly reported information. Payment history for XX/XX/XXXX counting system is off. XX/XX/XXXX-supporting doc attached should not be showing 30 day late. They corrected the other months stated on the form but not XXXX payment history. I 've been working with the credit company and XXXX for four months. I truly need help on resolving this issue. I 've attached letters from XXXX and credit reports. I even did a comparison to show how they are reporting diff data to XXXX, Experian and XXXX.
Consumer complaint received 2024-11-21
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. (NV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (WA)

On XXXX XXXX, XXXX, my loans were transferred from XXXX to Navient. I have continued to pay more than what is due on time every month. Now, it is time to re-apply for Income Based Repayment plan. I submitted the application through Studentloans.gov, and then received an email back from Navient on XXXX XXXX, XXXX stating that they had received the application. On XXXX XXXX, XXXX I received another email from Navient stating that my payment amount had gone up. Since my income had decreased, and I had applied for IBR, I knew this was innacurate. I emailed them back stating the problem, and received a confirmation email on XXXX XXXX, XXXX that stated they had received my inquiry and would get back to me soon. I never heard more about the matter. Then on XXXX XXXX, XXXX I received an email with yet another new payment, this one a few dollars less. On XXXX XXXX, XXXX I called to get the problem fixed. They told me they would defer my payments for a couple of months, and give me time to complete an IBR application. I told them I already had, and that they had emailed me that they received it. The person I spoke with said to wait until the end of the week. On XXXX XXXX, XXXX, they emailed me three times. One that gave me repayment options. The second that said there was a new document to view, which was information on how to submit the application for IBR. This email states that the best way to apply is to go to Studentloans.gov and apply. I have already done this. The third email said they were still waiting for me to submit the information to process the request. I have no idea what information this is. On XXXX XXXX, because I still had n't heard anything, I decided to submit the IBR application again through Studentloans.gov. On XXXX XXXX, XXXX I received an email again from Navient that they had received the IBR application. On XXXX XXXX, XXXX I received another email from Navient that showed my payment had again increased even higher. Then on XXXX XXXX, XXXX, after hearing nothing from Navient, I again emailed to get the problem fixed. They sent an email of confirmation that my request had been received. And today, XXXX XXXX, XXXX, I have received another email from Navient reminding me that I need to return some sort of information to process my request. But it does n't tell me what this information is that they need. When I go to my account on the Navient webpage, no where does it say that I have to submit any information. In fact, I ca n't even find the documents that have been submitted until I go to the old website. I have been doing my best to pay off these student loans with the limited amount of finances I have. Navient has just given me the run around, and increased payments so that I can not afford to pay.
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NJ)

XXXX card XXXX was not properly and accurately reported. 
XXXX date of delinquency is not reported Last Payment date is not reported XXXX Major delinquency is not reported under FCRA I am entitled to have all items complete and corrected.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was extremely concerned to discover that multiple unauthorized inquiries from your company have appeared on my credit report. This is negatively affecting my credit and has caused me unnecessary stress and frustration.
Consumer complaint received 2024-11-21
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. (NJ)

I am writing to inform you that I am a victim of identity theft. Fraudulent accounts have been added to my credit report without my authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and permanent deletion of the following accounts from my credit report : Fraudulent Accounts : XXXX. XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$29000.00}
Consumer complaint received 2024-10-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

They are XXXX complaints of Bank of America does anyone read someone case anymore and do the works I have evidence they stole from me and are lying to cfpd last time we did a claim fooling the government
Consumer complaint received 2015-09-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

The same debt is and has been reporting XXXX on my credit report. The original creditor is XXXX XXXX XXXX XXXX XXXX and the duplicated account is XXXX XXXX XXXX which was opened on XXXX 2014 for the same amount. Please see the attached credit report provided by my mortgage lender. This single debt should not be reporting XXXX and is in violation of the FCRA.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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 2015-04-30
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Fenton & McGarvey Law Firm, P.S.C. (KY)

I was in a lease in 2001, I turned the vehicle in and XXXX XXXX bank signed off that nothing was owed and everything was in good repair. Now they are trying to come after me for money, {$1700.00} when I never even owned a debt in the first place. This has been over 14 years ago, I do not even owe it and they are trying to garnish my wages and charging over 200 % interest. This is illegal. XXXX XXXX bank has no record of it, obviously this is fraud. I believe they constantly harass me because I am a woman as well, this is not even a debt, they brought this from the woodwork and cannto provide me documentation of it, nor can XXXX XXXX, it is fraud.