davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
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: EQUIFAX, INC. (PA)

XXXX and XXXX need to remove any late payments associated with account XXXX being reported because they are in violation of XXXX5 USC 1681e, 15 USC 1666B and 15 US Code 6802. 15 USC 1681e Requires credit furnishing companies to report accurate information to be in compliance. According to 15 USC 1666B Timing of 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. Nothing was ever mailed or delivered to me no later than 21 days before any due date so any late payments pertaining to this account need to be removed from my credit report. If not please provide proof of mail no later than 21 days before due payment to be in compliance with the law. Provide proof of compliance of 15 USC 1666B or remove all late payments associated with this account According to 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A finical institution may not disclose nonpublic information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Provide proof that opensky is in compliance with 15 U.S. Code 6802 or remove the late payments associated with account XXXX
Consumer complaint received 2017-02-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

I applied and received a loan for {$1500.00} through XXXX XXXX from Sally Mae I finished my my courses and soon after XXXX XXXX no longer existed. During the the courses of my classes XXXX and was unable to work. This all happened well I was in school. I was on unemployment and making payments to the company. Years have passed and i recently got a job where they recently started to garnish my wages. I called and talked to the people and was going to set up payment arrangements but I was talking to XXXX of them and found out they were trying to say I had XXXX loans out which is amazing not true now I think I 'm being taken advantage of and I did a little research and seen that Sallie Mae is getting sued for taking avenge of other people and there a lawsuit filed against them. I would like contact from you guys and see what my choices are cause I feel this is unfair. People are trying to better there life 's and company 's like these are taking advance of people they think wo n't fight back. I know I owe something but for {$1500.00} my loan to the company changing me over {$8000.00} is just ununexpectable.Thank you for your time. 

Sincerely XXXX XXXX
Consumer complaint received 2023-05-17
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. (GA)

Account XXXX XXXX XXXX Acct # : XXXX Balance : XXXX 2. XXXX XXXX XXXX Acct # : XXXX Balance : XXXX 3. Dept Of Ed Acct # : XXXX Balance : XXXX 15 USC 1681 section 604 states rights to consumers privacy Reporting agencies can NOT furnish an account WITHOUT MY WRITTEN CONSENT!
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, 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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number XXXX XXXX has violated my rights under 15 USC 1681, section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 ; A consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose!

I never gave this creditor permission either verbal or in writing!
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (AR)

I am set up with Experian Credit Report Service. I took advantage of an offer on their website to apply for a credit card which was advertised to suit my credit score. I was trying to get a balance transfer card. I thought that since the advertised credit offers were on their website they had already been vetted for me. Therefore, I applied for the XXXX XXXX which was at the top of the list. I have a " hard hit '' on my credit report now and they denied my application. I called the toll-free number and told the agent that I felt Experian was doing the same thing XXXX XXXX was caught doing. I was told, " sorry that you feel that way, but we do put a disclosure on the sight. '' Experian is getting a kickback from each card company when a consumer takes the bait ; and all a consumer gets are hard hits on their report and a lowering of their overall credit scorXXXX. If XXXX XXXX got called out about such practices, I don't understand how Experian is sliding by.
Consumer complaint received 2023-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NM)

We contacted Nelnet and we believe they process my income driven repayment plan incorrectly. I received a letter on XX/XX/XXXX that my payment would be {$480.00} for 12 months beginning on XX/XX/23. Subsequently I received another letter XX/XX/XXXX state the payment increased to {$1100.00}. I believe they are not accounting for my spouse 's XXXX dollars in student debit in their calculations.
Consumer complaint received 2024-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (AL)

Utility power account was opened in my name at XXXX XXXX. The physical address was XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX Texas XXXX XXXX
Consumer complaint received 2024-10-14
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: Experian Information Solutions Inc. (TX)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-06-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (GA)

I received XXXX offers via e-mail ( and XXXX via regular mail ) from Caliber Home Loans with offers to refinance with claims on how I can save money by refinancing into what are obviously sub-optimal new mortgages. I currently have a 30 year 3.375 % mortgage with about 27 years left. They sent me XXXX offer that tries to sell me on the idea of refinancing to a new 30 year mortgage at 4.0 % because " Getting a lower monthly rate and paying less over the life of your loan just makes sense. '' The other offer was to get me to refinance to a 20 year 3.75 % mortgage, again an awful fiscal move. Again they use strong language " refinancing is an easy way to solve many of your mortgage worries. '' They do put a disclaimer on the e-mail that lists out all of their assumptions, but the exuberant language they are using to try to sell people on making what is clearly an awful fiscal decision is wrong and borderline predatory in my opinion.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/year> CFPB Subject : Proof of Payment for Account # XXXX Dear [ Debt Collector 's Name ], I am writing to provide proof of payment regarding my account with you, as per 15 U.S. Code 1692c.

Details of the Payment : Payment Amount : {$500.00} Payment Method : DEBT CARD Account Number : XXXX Enclosed with this letter is a copy of the receipt/transaction confirmation for your records. 
As of the date of this letter, the balance on my account should reflect this payment. Please update your records accordingly. 
If you have any questions or require further documentation, feel free to contact me at the information provided above. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2016-06-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I was a victim of identity theft and reported it appropriately as suggested however the bureau only disputed XXXX to XXXX items and left the remaining fraudulent accounts and inquiries there which has been interfereing with my first time home buyer program and I am highly disatisfied with the service and dispute process.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Cedars Business Services, LLC (OH)

As you can see from my previous complaints, XXXX stole my money. I took them to arbitration and won the case against them. XXXX had to pay me {$5000.00} plus. I sent in the paperwork I received from the XXXX company. XXXX said they contacted Cedar Business Service, representing XXXX, and they stated the {$2600.00} would remain on my credit without providing any evidence, unlike my paperwork, which clearly states I won the case. XXXX had to pay me {$5000.00} for all their wrongdoing. It seems XXXX also has enough money and clout to sway the credit bureau. Just a reminder : XXXX is a corrupt company whose CEO spent 119 days in jail for wrongdoing.
Consumer complaint received 2016-06-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

I recently refianced my mortgage from Ditech ( my prior lender ) to another lender on XXXX/XXXX/2016. As of XXXX/XXXX/2016, Ditech has refused to refund my escrow. They state that they will not release my escrow until XXXX/XXXX/2016. 

Ditech states that their records show a check was mailed on XXXX/XXXX/2016. However, no check was ever recieved. I have reported this to Ditech on several occasions. While they have acknowledged my escrow payment was likely " lost in the mail, '' they refuse to send a " new '' check unless I report the check unreceived on or after XXXX/XXXX/2016. 

Ditech has provided no support that the check was actually mailed, and this process appears to be nothing more than an attempt by Ditech to extend the legal requirement that my escrow be returned within 20 working days.
Consumer complaint received 2017-08-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (FL)

Back onXX/XX/XXXX six transactions in the amounts of {$69.00}, XXXX, XXXX, XXXX, XXXX, and XXXX were supposed to be disputed from XXXX due to me not receiving the merchandise. As a result, the representative informed me after receiving the other dispute forms for the transactions XXXX, and XXXX that i have nothing to worry about the other 6 disputes was taken care of. as a result 5 months later after constantly calling XXXX XXXX and the merchant XXXX i never received my refund or my merchandise i spoke with someone on XX/XX/XXXX by the name of XXXX who was a supervisor who made the horrible comment of " it 's nothing we can do about these other disputes because it is out of the 60 day time frame ''! I stated to XXXX how dare you put the blame on the customer because of the employee mistake because i specifically told the representative about the other 6 disputes so clearly it is not my fault. let alone i included the other 6 disputes on the second dispute form that they 've received and still stated that they 've never received it.
Consumer complaint received 2023-08-23
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: EQUIFAX, INC. (CA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (DC)

Dear CPFB, At this point I feel as though I have no other choice than to involve a third party in order to get Citibank to cooperate with me and listen to my valid complaints. First and foremost, I have what was supposed to be a free checking account that I 've held for almost fifteen years without incident, but now almost never use. There appears to be many fees from Citibank attached to this so-called free checking account that I do not understand. Furthermore, when the account for some reason despite almost never being used became overdrawn, perhaps in part due to these mystery fees from Citibank, Citibank did NOT notify me. Instead, they allowed my overdraft account to become totally exhausted, in order to charge me additional interest and fees on the account, that much is clear, but rather than call me when this occurred, they sent me a letter which looked like an ordinary statement rather than call me. Citibank has claimed in said letter that they no longer have my contact information, even though none of it has changed in over ten years. This is either false on the part of Citibank, or it shows extreme incompetence in terms of their record keeping. 

The most egregious part, is that even though I sent a certified letter to my branch begging them to please call me to answer my questions, they have ignored my request and instead reported my as DELINQUENT to the major credit bureaus. Without one phone call, and I have banked there for almost 15 years! I have very good credit, pay my bills on time, and have never been delinquent on a payment in my life, yet Citibank who I believe has a lot of explaining to do to ME in terms of this account has RUINED my hard earned credit. 

This should not be allowed to happen. They should be investigated and they should provide me with the answers I am seeking. I can only wonder how many others may be getting treated like this by a major financial institution who seems to think they have no accountability whatsoever to their customers. 

Regards, XXXX
Consumer complaint received 2023-12-06
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. (TX)

Good Morning, Several disputes has been sent to Transunion to verify an unknown inquiry and to this date they have not provided any kind of documentation that they verified this. All they do is send out a standard letter... This is not acceptable. 

Inquiry- XXXX XXXX XXXX XXXX please delete
Consumer complaint received 2024-11-11
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1600.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$2100.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1000.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$3400.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1600.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1800.00} XXXX - XXXX - XX/XX/XXXX - {$16000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$2300.00} XXXX - XXXX - XX/XX/XXXX - {$110.00} INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-17
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: EQUIFAX, INC. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX XXXX XXXX Fraud Application Account Number XXXX To Whom It May Concern : This letter comes in response to a fraudulent credit card account opened on XX/XX/XXXX using a fraudulent address of XXXX XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX. In response, I have enclosed an FTC Report, original police report that validate my information was compromised during the Equifax Data Breach. 

I request this account be investigated and removed immediately as it is a violation of my rights as a consumer under the FCRA. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2023-05-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've Experienced Identity Theft These inquiries in my credit history are the result of improper usage of my social security number. I am not aware of any of these inquiries, but they are all being investigated by the FTC. I've been attempting to settle this issue for almost 5 months and have been ignored, which is a violation of my knowledge.