davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
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. (GA)

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 # XXXX Account name : XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX # XXXX Account name : XXXX  XXXX  ( Original Creditor : XXXX XXXX  ) # XXXX, Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) # XXXX Account name : XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC (AL)

I have not been able to make payments, view my online account or speak to a customer service rep and only leave messages in a general loss mitigation mail box. I have not been notified at all not by regular mail or certified mail there is a sale date on my property for XX/XX/XXXX and that I discovered by a sololiciter I contacted Fay servicing on the XXXX XXXX and stayed on hold for XXXX straight hours to finally speak to the loss mitigation they wouldn't tell me what I had to pay that was behind and I have escrow overage that I requested be applied to principal in XXXX also not done and they have hazard insurance on my home even though I've had homeowners insurance the entire time and provided them with this information. I have not been notified of any delquint payments until the XXXX after I called on the XXXX that is dated the XXXX. They have not offered me any options to avoid foreclosure or notified me at all and I'm blocked out of the online accounts and payments! I desperately need help I don't know what to do if I can't get any information from. Fay or even know the amount behind but I have XXXXXXXX XXXX escrow overage that they refuse to apply to the principal I requested this in XXXX
Consumer complaint received 2024-09-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX violated the Fair Debt Collection Practices Act ( FDCPA ) by misrepresenting state statutes of limitations. 

Misrepresentation : Misrepresenting the nature of the debt, including the amount owed Falsely claiming to be an attorney Constantly trying to change their name and so they can put an a ledged old debt on my credit in different ways
Consumer complaint received 2024-07-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

This is a formal complaint against Navient, LLC. My current private loan servicer is Navient formerly Sallie Mae. I will reach 20 years of repayment in 4 years. The original disbursement amount was {$39000.00} dating back to 2005 and present day, the balance totals {$66000.00}. While granted more options and relief for my federal loans, the private loans have reached substantial interest and fees. During repayment I have inquired about releasing of co signer and told I qualify to then be told upon asking for the application to then being told is not an option because I can not be in any repayment plan like rate reduction. I was previously placed in forbearance as the only available option when requesting assistance with trouble with repayment. To years later be granted a rate reduction, which is only extending the life of the loans, interest continuing to accrue, resulting in more debt as any payments made are only being made on the variable interest. Moreover, I was encouraged to take out student loans without being fully informed of the unfavorable terms, leading to significant financial hardship. These deceptive practices have caused me considerable distress, both financially and emotionally. I have always struggled with loan repayments there is zero outlook that any substantial dent will be made on the balance of the loans and foresee a lifetime of being in repayment. I am seeking discharge of all loans due to misconduct from responsible parties
Consumer complaint received 2024-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sunbit, Inc. (CA)

As of XX/XX/year> I was getting XXXX XXXX  done at XXXX XXXX in XXXX ca, They pressured me to get a XXXX and to finance the XXXX through sunbit, while starting to make my payments I never received a XXXX I never received a called saying that Ill be receiving XXXX, I just kept getting pushed back months after months past by, I called sun it to cancel because I cant pay for someone never even received they told me that there was nothing they can do and to call XXXX The XXXX  I tried to complain to XXXX XXXX and nothing was done. So now Im in debt for something I never received
Consumer complaint received 2024-08-29
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. (SC)

CREDIT BUREAU : TRANS UNION/ TRANS UNION LLC FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX 

TRANS UNION/ TRANS UNION LLC IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. XXXX AND XXXX HAVE MOVED THESE FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT FOR OVER 1 YEAR. NO ACCOUNTS HAVE CONSUMERS WET INK SIGNATURE AND MUST BE REMOVED. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING TRANS UNION/ TRANS UNION LLCTO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. TRANS UNION/ TRANS UNION LLC HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. IF TRANS UNION/ TRANS UNION LLC DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. TRANS UNION/ TRANS UNION LLC XXXX XXXX. XXXX XXXX XXXX, XXXX, Illinois XXXX. In connection with the XXXX Change in Control Transaction, we entered into a registration rights agreement ( the Registration Rights Agreement ) with certain affiliates of the Sponsors and certain members of management. This Registration Rights Agreement provides the Sponsors an unlimited number of demand registrations, which require us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf registration statement effective with respect to such shares. Each of the Sponsors and members of management party to the Registration Rights Agreement is also entitled to customary piggyback registration rights and entitled to participate on a pro rata basis in any registration of our common stock under the Securities Act that we may undertake. The Registration Rights Agreement also provides that we will pay certain expenses relating to such registrations and indemnify the Sponsors and the members of management party thereto against certain liabilities which may arise under the Securities Act. 
I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. TRANS UNION/ TRANS UNION LLC IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2024-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CA)

Bought a Dell laptop on XX/XX/year> cost {$3600.00}, opted for DELL preferred account financing to pay off full amount within 24 months. paid monthly installments on time and also paid remaining balanced on time. now dell is saying you paid remaining balanced late by a few days so pay {$820.00} as interest ... .... 
I found it un-ethical. typically agencies reach out to you to remind you pay date is approaching no such email or call was given to me. now Dell has forwarded it to a collection agency and now my credit score is going bad. 
Could you please help me to resolve this. 
I have paid full amount of laptop still interest of over {$820.00} being charged to me.
Consumer complaint received 2024-07-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (CA)

At the XXXX XXXX XXXX on XX/XX/year> I was approached by XXXX XXXX and we set up an appointment with XXXX XXXX to attend a seminar concerning timeshare I attended a timeshare presentation on XX/XX/year> at the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX for XXXX XXXX. XXXX and XXXX told me they would run a soft credit check to see what I would qualify for if I got approved and was interested in their product. I declined their product and the credit card. The next day I was sent an email that a credit card was being sent to my house.
Consumer complaint received 2024-08-29
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. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-07-03
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. (NC)

I am writing to dispute the following addresses. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2024-07-25
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: 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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-11
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: TD BANK US HOLDING COMPANY (CA)

On XX/XX/year> my parents purchased a Nordstrom gift card for {$150.00} for my graduation gift, with the receipt attached. I tried to use the card to make a purchase online today, XX/XX/year>, and it said the balance was {$0.00}, however I never used the card before and the activation code was not scratched off before today. The gift card has been in my possession since I received it. I called customer service and the agent informed me that someone by the name of XXXX fraudulently used the gift card bringing the gift card balance to {$0.00}. Nordstrom had recognized that this order was fraudulent and cancelled the order for the fraudulent purchaser but they stated that they could not refund me the {$150.00} to my gift card because these funds are treated like cash. I requested to make a presidential level complaint but they said that it was not an option. I am very upset because this was a gift from my family, Nordstrom is aware that this was used fraudulently, and they still refuse to make it right. I do not live near a Nordstrom store. I offered to digitally send them the photo of the receipt for the gift card purchase. I dont know what to do and would like to utilize my gift card. Please help.
Consumer complaint received 2024-07-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HUNTINGTON NATIONAL BANK, THE (MI)

In XX/XX/year> we closed on our home. Part of this we had to payoff debt which included this loan. 

I sent in a check and it arrived XX/XX/XXXX. I provided customer service and corporate with the tracking number as proof of the checks arrival. 

Huntington Bank 's gross negligence is causing immediate and severe damage to my credit and debt. I insist my account be corrected to show full payment and credit reports updated accordingly. Failure to do so will result in swift legal action
Consumer complaint received 2024-06-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year>, Chase Bank closed my XXXX XXXX XXXXXXXX XXXX XXXX, without notifying me. I have been using this credit card responsibly for over XXXX years - I never missed a payment and always paid my balances in full. I rely on that credit card for monthly purchases relevant to my business. Closing the account was not only a shock but also caused financial and emotional stress. 

I had no idea why my credit card started to declined when making purchases. After contacting customer service to inquire what had happened, I was informed that my account was closed due to " abuse '', but could not specify beyond that. 

I would later learn that my account was closed due to filing too many disputes over a period of time. I believe it is most unethical to levy penalties against my account without any notification of any kind. If I knew that there was a limit to the number of disputes I could file with Chase, I would have altered my behavior and pushed the associated merchants harder to resolve these issues directly. 

Furthermore, during my first call with customer service, upon inquiry, the customer service representative told me that I could reapply for another business ink cash credit card. To which I did, was approved with a credit line of {$8000.00}, credit card was received, and then the account was closed, again, without notification. 

I most displeased with the lack of transparency and communication from Chase regarding credit card use and notifications. Moreover, I am equally upset with the misinformation I received regarding filing for a new application. I imagine both the account closure and new application will have a significant negative effect on my credit score, which I take very seriously. As a result of losing this account, I have had to apply for other credit cards to compensate for the loss of access to credit ( my credit limit was {$12000.00} ). Consequently, submitting new applications and opening new accounts will further damage my credit score. 

As I mentioned, this has caused me financial and emotional stress. I'm curious to know if this behavior violates any consumer rights? 

I hope that my submission of this complaint is helpful in changing policies regarding credit card account closures and notifications. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (AL)

My student loan was forgiven. Originally amount was {$260000.00} now its {$11000.00}. XXXX and all credit reports keep showing a balance of {$110000.00}, when its supposed to be {$11000.00} total. 

I filed a dispute with credit bureaus I contacted Nelnet whos servicing my loan and confirmed my balance. 

I checked FASFA who also confirmed my balance. 

This is wrong and hurting my credit score
Consumer complaint received 2024-06-21
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. (AZ)

I appreciate the removal of some negative items from my credit report. However, there are still remaining items that need to be addressed and removed from my credit file. I was going through my records & noticed these items which were opened without my permission. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to incorrect credit reporting. The disputed items are a mystery to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these negative items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Round Up Ventures, L.P. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/year> Re : Account Number XXXX Dear XXXXLendly, I hope this letter finds you well. I am writing to request a goodwill adjustment for my XXXX/Lendly ( Account XXXX ), which has been paid off in full. 
Due to XXXX pandemic and the impact it had on the economy, I lost my job as I was laid-off by my company as it attempted to cut down on labor to withstand the pandemic losses and also during this period, I had a medical emergency as I was exposed to the virus and due to this, I experienced financial difficulties that resulted in missed payments on my account. I take full responsibility for these late payments and deeply regret any inconvenience they may have caused. 
I am pleased to inform you that I have since paid off the account in full and have taken significant steps to manage my finances more effectively. This experience has been a valuable lesson, and I am committed to maintaining a positive credit history going forward. 
I am currently in the process of preparing to purchase my first home, a significant milestone for me and my family. These late payments and eventual charge-off on my credit report are adversely affecting my credit score and my ability to secure a mortgage with favorable terms.

Given my efforts to rectify this situation, I kindly request that you consider removing the late payments and/or the charged-off status ( paid in full ) from my credit report as a goodwill gesture. This adjustment would greatly assist me in achieving my goal of homeownership and provide a fresh start as I move forward. 
For your reference, the account number used by the credit bureaus is XXXX. 
I sincerely appreciate your understanding and consideration of my request. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX