davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-18
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: EQUIFAX, INC. (IL)

XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report was inaccurate. XX/XX/XXXX I received this response : The company that reported the information has certified to XXXX that the inofrmation is accurate. This item was not chaged as a result of our processing your dispute. Pleasereview your report for the details. XX/XX/XXXX I replied to the credit bureau stating that the information reporting on my report is inaccurate. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, they also directed me to their website which states the same : http : //www.alsb.uscourts.govXXXX. Yet this credit bureau has a bankruptcy reporting on my credit and has it listed as the bankruptcy court of XXXX, AL listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.
Consumer complaint received 2023-10-02
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. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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 2023-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/XXXX I initiated an online ACH transfer from my account at [ Navy federal credit union ] to an XXXX XXXX Bank account. The purpose was purchase of a horse.for the price of XXXX $ However, it became apparent that the receiving account was fraudulent. I promptly reported the fraud to my bank, Navy federal credit union which conducted an investigation confirming the fraudulent nature of the transfer. Regrettably, XXXX XXXX Bank has denied my claim, leaving me with significant financial losses and distress. I am now demanding compensation for the full amount of the fraudulent transfer and Ive been asked by XXXX XXXX XXXX bank to appeal this decision through my Navy Federal which petition was denied and Im left alone
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I recently pulled a copy of my credit report on-line and found that XXXX XXXX XXXX XXXX is reporting the following inaccurate information in my file that is negatively affecting my credit score and life : 60 day late payment I have continuously made payments on this credit card and have brought this to their attention. Payments above the minimum have been paid on-time on a monthly basis and have never been late. 

I understand that per the Fair Credit Reporting Act, they are required to notify me of their investigation results within 30 days but they have not. Additionally, they are required to readjust this but XXXX XXXX XXXX XXXX has not despite my on time payments and evidence showing them that my payments have been made on time. 

I look forward to XXXX XXXX XXXX accurately updating my credit information with all three credit bureaus in order for my credit report to accurately reflect my on-time payments. 

Thanking you in advance.
Consumer complaint received 2017-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (IN)

I believe this servicer ( American Education Services ) is incorrectly calculating the interest charged to borrowers. The original load was in the amount of {$33000.00} and was disbursed on XXXX/XXXX/05 with a term of 238 months and a monthly payment of {$230.00}. The reported interest rate is XXXX % and the accrual method noted is simple interest calculated on the balance. According to their information the daily interest is the principal balance x XXXX % divided by 365 days = the daily interest accrual. I have used a number of simple interest loan calculators to compare their rates and payment terms. In all cases they are charging at minimum XXXX % greater in interest than the reported rate. 

With all of the current discussion concerning the impending student loan disaster I decided to go back and review the loans for my children. Based on the calculations it would appear that just for this loan it will cost about {$6900.00} more than the published information. If I am missing something I would like to know what it is. Otherwise this constitutes fraud I and needs to be investigated.
Consumer complaint received 2018-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (WI)

We were in a chapter XXXX and were at the end of it ready to have it discharged. When Specialized loan Servicing LLC would not sign off for the discharge, they claimed we still owed them over XXXX dollars. We explained to him this. In XX/XX/XXXX we got a letter from our chapter XXXX lawyer about our mortgage is being transferred to Specialized Loan Servicing LLC. So we called to make a payment. They would not talk to us because we did not have a loan number. So this went on for three months but in this three months our trustee was making payments to them. Then My husband called because they would not give me ( XXXX ) any information. Finally in XX/XX/XXXX they took our payment. Then again in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. Them I called to make XX/XX/XXXX payment and they would not take it. This is right after our lawyer went to court and won against them that we were currant on our payments and we did not own any back payments. We had also just received our Chapter XXXX discharge. I fully intend to make my XX/XX/XXXX payment I will mail it.
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MD)

I divorced my husband, XXXX XXXX XXXX, on XXXX/XXXX/XXXX. We had a joint mortgage together with Wells Fargo opened since XXXX XXXX. The account number for the mortgage was # XXXX. Under the divorce decree, it was ordered that my ex husband would continue to reside in the home and would be solely responsible for paying the mortgage in a timely fashion, among other things. We separated in XXXX XXXX and I have not lived with him at the property ever since, but the divorce was not made official until XXXX XXXX, XXXX. In the months after the divorce, it seems he fell behind on payments to the mortgage starting in XXXX to XXXX XXXX. This unfortunately led to late payment remarks to be reported to my credit for XXXX, XXXX, XXXX and XXXX. These late payments have ruined my credit and I feel this is unfair as I was no longer financially responsible for the mortgage after XXXX XXXX per our divorce decree. I have been trying to work with the credit bureaus in the past couple of months trying to explain my situation but I have not gotten a resolution. This mortgage has been completely been paid off since then so there is no longer even a balance on my credit report. I am filing this complaint as an appeal to Wells Fargo to remove the XXXX late payment dates from my credit report that were added after XXXX XXXX. I am attaching a copy of my entire divorce agreement as a supporting document. The section relating to our marital home is on Page 6 and clearly states that my ex husband would be solely responsible for the mortgage after the divorce.
Consumer complaint received 2018-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I opened a CD with USAA bank for a secured credit card unfortunately and for personal reasons, I had to file for bankruptcy ; at the same time I called the credit card department and paid off any balance I then asked to close my CD account on XX/XX/2018 and deposit the proceeds to another checking account I have with USAA and was told that it will take a couple of days ; after XXXXwo weeks not seeing the deposit I called again trying to find out where is my money and was told that it takes two weeks to close the account after two weeks not getting the money I called again and was told that they can not deposit the money in my account and it will take another two weeks for them to issue a check and mail it to my home address after two weeks today XX/XX/2018 I called again and was told that the check was issued on XX/XX/2018 and mailed to the bankruptcy trustee and had to do so because it is the law. I spoke to my attorney and was told that there is no such law. It's unheard of to send someone's money to a third party without my authorization. As you can see in my complaint throughout the month of XX/XX/2018 from the XXXX of the month until the end of the month, I was given the runaround. I filed a complaint with the Federal Reserve which resulted in a phone call from the bank representative all she told me was 1. She basically blamed me that I called the wrong place/department however no one I spoke to told me that I am calling the wrong place/department. 2. The representative also told me that it is USAA policy that in case of bankruptcy they mail the funds to a trustee, I asked her to show me where does it say in our CD agreement that in case of bankruptcy my money will be mailed to a third person, she basically refused to either direct me to where to find the agreement or offer language in the agreement. In the meantime, after finding a solution for my financial troubles I voluntarily had my bankruptcy dismissed and still looking to collect what is due to me which amounts to {$1600.00}
Consumer complaint received 2017-12-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TN)

I requested verification on the alleged debt XXXX XXXX XXXX is attempting to collect on. I sent a letter of verification and requested the original lender 's information so I may investigate the debt said owed. I also requested proof XXXX XXXX XXXX could legally collect in the state of TN. 

I requested this information on XX/XX/XXXX by mail and did not receive an apply back.

On XX/XX/XXXX this account was added to my credit report and I was not provided the information I requested to validate the said debt. 

This collection agency is not license to collect in the state of Tennessee. 


Please assist me in this matter
Consumer complaint received 2023-10-02
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: Experian Information Solutions Inc. (FL)

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 2023-04-17
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. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2023-04-17
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-01
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX with Account # : XXXX has violated my rights. 
XXXX XXXX Account # : XXXX has also violated my rights. 
XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Act. # XXXX XXXX Account # : XXXX Inquiry : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXXXXXX. 
Inquiry : XXXX XXXX XXXX Inquiry : XXXX XXXX  Inquiry : XXXX XXXX Inquiry : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A. States that have the right to privacy.

15 U.S.C 1681. Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-04-17
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX Date Opened XX/XX/2016 Balance {$0.00} and XXXX XXXX XXXX Date Opened XX/XX/2016 Balance {$270000.00}. Please update.
Consumer complaint received 2023-08-01
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: WELLS FARGO & COMPANY (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX : Identity Theft Victim To whom it may concern : I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 


Sincerely, XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX POSTED ON XXXX XXXX XXXX XXXX POSTED ON XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX POSTED XXXX XX/XX/XXXX XXXX XXXX POSTED XXXX XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX, XX/XX/XXXX XXXX-XXXX  POSTED ON XX/XX/XXXX, XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX, NON XXXX, XX/XX/XXXX XXXX  XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX XXXX  POSTED ON XX/XX/XXXX XXXX XXXX ON XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (AL)

I am trying to receive updates on the status of my XXXX application. My XXXX  loan servicer is Edfinancial. I completed and submitted my XXXX application on XX/XX/2023. I emailed the customer service department at Edfinancial on XX/XX/2023 since I had not received any updates at that point. On XX/XX/2023, Edfinancial emailed me back stating that it takes 30 to 45 business days in order to be processed. It has been nearly 45 business days as I write this complaint, XX/XX/2023. I emailed Edfinancial 's customer service department again this morning ( XX/XX/2023 ) stating the issue that I am having. As I was writing my email to Edfinancial, I was also on hold with Edfinancial regarding the same issue. My estimated wait time was 89 minutes. I waited on hold for roughly 100 minutes before I decided that I could not wait any longer.
Consumer complaint received 2023-04-17
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. (TX)

I recently checked my credit report and theres a collection that does not belong in my credit report it is violating some consumer rights accounting to the FCRA please help me REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT. the collection/charge-off will be listed below. 

XXXX XXXX acct # : XXXX Amount : {$470.00} This account is violating 15 U.S. Code 1681e - Compliance procedures section 10
Consumer complaint received 2023-04-17
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: Experian Information Solutions Inc. (TX)

I'm sending this complaint to inform AGAIN the Experian and XXXX credit bureaus that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00}.
Consumer complaint received 2023-04-17
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. (TX)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-12-05
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (WA)

I opened a XXXX 's account under the impression that I was able to use it for a purchase. They were unable to honor the purchase, and I told them to close the account. I was just sent a statement of my new credit card.
Consumer complaint received 2018-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

A lender was trying to see my credit score on Transunion. The score was not showing up for them so I called them a few times. Starting on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX. Each time I had asked why my score wasn't showing up. They kept telling me that there was no reason why it would not show up. On XX/XX/XXXX called again and was told lender had to call them. Was sent a credit report but no score was shown and it said I had to pay for it. I have a credit score but if ran against XXXX and XXXX it will not show up.