davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-23
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-09-07
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. (LA)

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Also there was no proof of how the debt was validated and I never received a method of verification letter or a 1099C form ( Debt Of Cancellation ). Please remove these closed/late accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2024, I sent formal dispute letters to [ Credit Bureau ( s ) ] ( XXXX, TransUnion, XXXX ) to address inaccuracies on my credit report. As per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ), the credit bureaus are legally required to conduct a reasonable investigation and respond to disputes within 30 days. If additional information is provided, they are given 45 days to complete their investigation and respond to the consumer. 

As of XX/XX/2024, it has been more than 45 days since the date of my original disputes, and I have yet to receive any response from Credit Bureaus. This is a direct violation of the FCRA, which mandates that the credit reporting agencies must provide the results of their investigation within the required time period. 

The failure of the Credit Bureaus to respond within the legal timeframe has significantly impacted my financial situation, as the inaccuracies on my credit report have remained unresolved. These inaccuracies may be affecting my credit score, access to financial services, and overall financial well-being.
Consumer complaint received 2023-11-23
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. (AL)

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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

I took out XXXX XXXX student loans while in college ( I graduated XX/XX/XXXX! ) ... Since then, XXXX XXXX had sold my loan ( I do n't know how many times, but as recent as XX/XX/XXXX! ) but when they do that.. my loan seems to start all over again ( so I can not find out what the actual origin date of the loan really is ). Then XXXX XXXX became Navient ( maybe in XX/XX/XXXX? ). 
As a Single Mom, I did not have a job right out of college so I had to defer and forebear the loan a few times.. however, most of the years since I took the loan ( s ) out, I 've been paying on this loan. The original loan was aproximately $ XXXX, and was set up as a graduated loan.. so about a year or so ago, it jumped up to almost {$400.00} a month. I ca n't afford that so, even though I pay every month, I do not pay the full amount required. I calculated that in the past 10 yrs ( of this 23+yr loan ) I 've paid over $ XXXX and my current balance is now {$40000.00} with {$2300.00} past due : - ( I can never pay this off.. ever! : - (
Consumer complaint received 2015-11-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My bank account unexpectedly became overdrawn last night by {$1.00} due to the fact that a {$30.00} mobile deposit was not credited. A couple concerns are ; ( 1 ) I did n't think a bank could charge an overdraft fee for a debit transaction that caused the account to be overdrawn by less than {$5.00}? ( 2 ) It was my understanding that I had until XXXX to make a mobile deposit to be credited the same day? Seems ridiculous that a {$1.00} overdraft can generate a {$35.00} overdraft fee!
Consumer complaint received 2015-10-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (WA)

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2015 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Consumer complaint received 2017-03-01
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Dovenmuehle Mortgage, Inc. (OK)

I am in the process of trying to close on a mortgage. The seller, XXXX XXXX, who will also be filing a complaint, refinanced the house appx 7 years ago. The original lien-holder, Dovenmuehle Mortgage Inc. filed the release of mortgage incorrectly. When the title company found this when she was trying to sell it to me, they contacted Dovenmuehle to get them to send in a correction. This was in XXXX. There have since been at least XXXX corrections filed, all incorrect, and clearly in violation of the Residential Mortgage Satisfaction Act. I am asking for help in getting this mortgage released so that we can continue with the closing process. The title company XXXX in XXXX, Oklahoma has repeatedly asked for a copy of the release before it is filed to make sure it is correct, and Dovenmuehle has refused every time.
Consumer complaint received 2024-09-07
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. (LA)

XXXX XXXX  Account Number : XXXX I have never been late on this account, despite the company claiming otherwise. I have submitted proof that Ive always made my payments on time, but the company has ignored my evidence. Additionally, how can the company report me as late in XX/XX/year>, but not in the previous month or the following month? All other months show on-time payments. This discrepancy needs to be properly investigated. This account needs to reflect on-time payments only, as I have never been late. Please update and correct this information accordingly. 

XXXX Account XXXX : XXXX This account was never properly investigated, as there are no remarks on my credit report indicating that the bureau ever conducted an investigation, yet the information was marked as 'verified. ' How could you verify something that was never investigated? I request that this account be thoroughly investigated. If you can not verify this account, I ask that it be removed from my credit report immediately. 

XXXX XXXX Account Number : XXXX This account is showing as a charge-off but is still reflecting a balance, which constitutes a violation. Furthermore, this account was never investigated after I requested proof of its accurate reporting and validation of the debt. I have not received any response to my request for validation. I request that this issue be addressed immediately. 

I am requesting validation and verification for each account listed below. If your company or the original creditor can not provide verification or burden of proof, I request that these accounts be removed from my credit report immediately. Additionally, please remove any personal information that is outdated, old, or inaccurately reported from my credit report as well. 

Additional Accounts Listed Below : XXXX XXXX, XXXX XXXX Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  ( Original Creditor : XXXX SPEEDYCASH XXXX / Account Number : XXXX If a company is claiming that I was late on payments, please provide proof of where and when these late payments occurred. I request a complete list of my payments and transaction history, including the date when I first became delinquent. If you are unable to provide this information, I ask that any and all late payments be removed from my credit report. 

Furthermore, I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate the bureaus ' failure to properly investigate these accounts. It is crucial that the CFPB takes appropriate action to ensure compliance with investigation requirements and address these reporting discrepancies. 

Thank you for your attention to this matter.
Consumer complaint received 2020-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (MO)

I purchased a cruise with XXXX using my American Express Platinum card, with payments in XXXX and XXXX XXXX, for a cruise that was supposed to occur on XX/XX/XXXX. On XX/XX/XXXX, XXXX publicly announced that all cruises for the rest of XXXX, all of XXXX, and all of XXXX will be cancelled. In that announcement, they also said that they would automatically take the amounts paid and convert it to future cruise credits without the cardholders consent. These were obviously not the terms when the cruise payments were made to the American Express card. Per the Fair Credit Billing Act, I submitted disputes to American Express for the payments made, requesting refunds based on the cruise line cancelling the cruise ( as opposed to the cardholder cancelling ) and the fact that I obviously didn't receive the services that were supposed to occur earlier this month. I have spoken with numerous representatives at American Express over the last nine weeks, they've had me send the same documentation numerous times ( I wonder if they're even reading the information I've sent ), and they seem to be greatly confused by the facts. ( Example : In early XXXX, XXXX XXXX response to American Express included the written statement that " the Card holder reservation is active and is due to sail on XX/XX/XXXX ''. XXXX stated that some five weeks AFTER our cruise was publicly cancelled, and I had to respond to American Express in writing to correct the fact that the cruise was indeed cancelled five weeks earlier. At that point, given the misrepresentations of the cruise line, the disputes should have been immediately closed and ruled in my favor as the cardholder. ) American Express is dragging anchor on these disputes, and I just send additional documentation this morning based on a new request ( having to repeat information I've reviewed previously with them ).
Consumer complaint received 2024-09-07
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. (IL)

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

acct. name XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2020-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (TX)

RE : 21st Mortgage Co..denying forbearance request!! 

I have been requesting a 90 day forbearance/extension based on the CARES ACT and 21st mortgage has consistently denied it. 
I started started the request in XXXX when I used my last of savings and they told me i had to be behind in my payments in order to obtain the forbearance. So in XXXX, now that my payment is late they are still saying they aren't giving relief and arent apart of the CARES ACT and I need to bring the mortgage current or they will foreclose if it gets behind by a total of three months. XXXX!!! 
I filled out loss mitigation paperwork, as requested, but still they deny. Other friends simply called their mortgage companies and got immediate approval for 90 day forbearance and was offered an additional extension. 
What do i do?????
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NJ)

I 've disputed this information 4 times already with the credit bureaus and have proven that they are reporting it incorrectly and nothing is being done. I 've also made complaints with the XXXX for my state. I am tired of receiving the same letter over and over again in response to my disputes just disregarding what I am saying to them. I require the physical, firsthand knowledge, proof, that they are reporting this correctly, or it must be removed immediately and permanently. This is made available to me under section XXXX as well as XXXX. I also did not give my permission for this information to report on my credit file pursuant to section XXXX. 

Here 's the info that I am disputing : XXXX XXXX XXXX XXXX # 1 The filing date that you have listed is NOT the filing date that I am looking at on the petition # 2 the docket # that you have listed is wrong : there are NO LETTERS in the docket #! 
# 3 you have the court name, city and state abbreviated and you must have this listed accurately and completely and it is NOT XXXX XXXX # 1 the company name must be listed in a manner that I can understand and not just lazy acronyms # 2 the open date for XXXX states XXXX/XXXX/XXXX, Experian states XXXX and only XXXX of you is correct # 3 you have this account listed as included in a bankruptcy and it was NOT # 4 all of the lates that you have on this account PRIOR to it be " included in a bankruptcy '' are incorrect and inaccurate and all payments were made in compliance with negotiated schedule, so I require the documentation that you have in your files that prove that you are reporting this account correctly and completely. 

XXXX XXXX # 1 the company name must be listed in a manner that I can understand and not just lazy acronyms # 2 You have that I was 30 days late in XXXX of XXXX and I 've already notified you that I was NEVER late in XXXX of XXXX and that the other XXXX bureaus have me reported as paying on time which means that either XXXX of them are wrong or YOU are wrong
Consumer complaint received 2020-06-27
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: EQUIFAX, INC. (LA)

What happened is its been over 30 days I need help. 


XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, Equifax, XXXX.. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these Companies yet.
Consumer complaint received 2023-11-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (PA)

The teller told me a late pending charge for a XXXX showed up and didn't show me on the account where just said the amount and had me withdraw XXXX instead of wait for closing the date. 
So I feel it's best to report this because I didn't get a receipt and the email keep sending that it's {$0.00} not the letter stating it's closed.
Consumer complaint received 2015-07-09
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: ENOVA INTERNATIONAL, INC. (VA)

In XXXX, I needed a loan in order to pay my rent. I am XXXX retired XXXX veteran, largely living off of my XXXX pension. Cashnet USA, the Pay Day XXXX loan company I borrowed from, initiated predatory repayment practices immediately. They deliberately schedule automatic debits from my bank account before the end of the month, not even on the last day, with the obvious purpose of forcing customers into collection status. They essentially intercept my XXXX payment now, because my account is charged almost immediately after I receive my XXXX payment. They charge such a high interest rate XXXX 299 % ), in addition to various fees, that my balance only goes up, rather than down, even with regular, large monthly payments. 

My last payment was {$410.00}. They have nearly reached a 100 % profit mark through my repayments. They forced me to borrow more, when I did n't wish to, because they intercepted my XXXX payment one month when I relied on that exclusively. I had no other means of paying for rent and food, and was forced to borrow again. Their system keeps me XXXX and others ) in permanent debt, continually leeching money from bank account. I can not get them to stop, but if they do n't stop adding unfairly large interest, I can never pay off the balance in full, which is the only way to end their abuse of me. 

I would gladly pay the balance, if they would only stop increasing it every month, but I can only do it that if they do stop. It became clear to me that this is exactly the result they intend to create, especially with the fact that they debit the account so early, before most people are paid. I believe I have acted in good faith, and that they have trapped in this system of theirs. Had I realized that they designed this system to be inescapable, I would never have applied. 

I am writing this as a plea for help, for arbitration, to get this predatory company to leave my federally protected XXXX pension alone. My bank is XXXX XXXX XXXX, in Virginia. They are unable to stop Cashnet USA from debiting my account repeatedly, without my signing an affidavit of fraudulent activity, which I am not sure is appropriate, as I entered into the agreement voluntarily ( although misled by Cashnet USA XXXX.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Dispute : of Account Information - XXXX XXXX Dear TransUnion, I am writing to formally dispute the information related to my credit report, specifically concerning the account reference letter stating that XXXX XXXX loan is still paid in full. 

Please find enclosed copies of documents that support my claim, including all relevant documents, such as my loan payoff statements, I kindly request that you investigate this matter asap and update my credit report to reflect that this loan has been paid off. 

As I am currently in the process of applying for a mortgage loan, with XXXXXXXX XXXX.It is essential that my credit report accurately reflects my financial status. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your assistance. 

Sincerely, CFPB TRANSUNION IS IGNORING MY REQUEST ALL DOCUMENTS WILL BE UPLOADED
Consumer complaint received 2024-09-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sezzle Inc. (CA)

Ive been trying to remove my debit card accounts that have had fraud on them. Ive also revoked ach access. I keep getting charged and they keep saying they cant revoke my automatic payments. I said you have to revoke my authorization for automatic payments and they have denied my requests snd continue to run payment methods I didnt authorize. This has caused a lot stress concerned my account is being debited without my authorization. I want to make manual payments.