davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (AL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

I went to the XXXX XXXX XXXX XXXXXXXX from XXXX. I have not been contacted about loan forgiveness and now Navient is trying to transfer my loan to a new company so they don't have to clear the loan like the court order told them to do. I was not only scammed by the art institute but also Salie Mae as well as Navient who are now trying to transfer the loan instead of canceling it out.
Consumer complaint received 2024-06-12
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. (OK)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (IL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (MN)

Opened my sole prop checking online, never visited a branch. After being charged monthly fees I was not expecting, I zero 'd out the account and tried to close. Waited hours on hold only to be told they wanted me to travel a long distance to a branch I had never been to before, otherwise they would refuse to close it. I don't live near a branch and it was never disclosed that traveling to a branch was required for basic banking functions.
Consumer complaint received 2023-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (HI)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 
I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. In addition, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found on my credit report are NOT related to any transaction that I have made. I am alleging that a person and/or company - without my authorization, used my personal information to apply for products, services, or money ; and was successful in creating some accounts. All which are being investigated by the FTC.
Consumer complaint received 2024-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CA)

Recently, I noticed an increase in my monthly mortgage payment from approximately {$1300.00} to {$1500.00}. Upon reviewing my account, I discovered a charge of about {$1800.00} on my escrow account. I contacted Mr. Cooper, who informed me that this amount was transferred from my previous mortgage company in XX/XX/year>. I provided proof showing that I have been paying for my home insurance directly since purchasing the house. Despite submitting all the necessary documentation, I have yet to receive a response, and I have already paid nearly {$1500.00} of the {$1800.00} charged.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute this item on my credit report that have infringed upon my federally protected consumer rights to privacy and confidentiality, as guaranteed by 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ).

The following account listed on my credit report have violated my rights : XXXX  Account XXXX**** According to 15 USC 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances. The unauthorized disclosure of my personal information to these entities constitutes a breach of confidentiality and an infringement upon my right to privacy.

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 2024-07-29
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)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-09-05
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (CO)

USBank gave out mine ( XXXX XXXX ) and my husbands ( XXXX XXXX XXXX ) personal mortgage loan information and tax form to an unauthorized individual which contained our name, address, social security numbers, account number, account balance and account payment information and history. This individual was able to obtain statements dating from XX/XX/XXXX, to XX/XX/XXXX, XXXX incident occurred on XX/XX/XXXX. This breach of personal information has been acknowledged by a letter from USBank, office of the President, dated XX/XX/XXXX, signed by XXXX, USBank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have not offered any resolution as of this date, other than to provide free credit monitoring and services with My True Identity. This is insufficient for the type of breach that has taken place as this information has now been shared with XXXX additional individuals. I would like to know what credentials this unauthorized person showed to teller XXXX XXXX, in order to access our personal information. This is a matter of urgent concern as these individuals now have our social security number and other vital information. We have spoken with Branch Manager XXXX XXXX XXXX and XXXX XXXX, District Manager XXXX. They did acknowledge that the breach did occur but will not disclose any information without a subpoena. This has caused a great amount of stress and inconvenience to us as we now must monitor all our accounts for fraud activity. I believe this breach is in direct violation of the GLB Act which was enacted to protect the privacy of a consumers non-public information which includes name, social security number, and any information derived from a loan process such as account number, payment history, and loan balances all of which have been disclosed to these unauthorized individuals. 

I want a face-to-face meeting with teller XXXX XXXX, and bank managers to find out what credentials this unauthorized individual was able to show in order to obtain our information. Each time I have gone to or called the bank I personally must go through a verification process before they will release any information. I want to know how this person was able to obtain XXXX YEARS of bank statements when I, as owner of the account, have been told I can only receive XXXX without a subpoena. I am disappointed that USBank is unwilling to sit down with us to resolve this issue without litigation.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc. (GA)

After repeatedly going back and forth with Upstart regarding late payments, they've updated multiple errors on my credit profile with all three major credit bureaus. I have reached out several times to ask for validation of late payments prior to contacting Consumer Protection Bureau. Today my credit report was updated with the false dates they deemed my credit profile as late. None of these dates match with my records through email after payment processing. This company lied to me several times.
Consumer complaint received 2023-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - Agreement with the creditor was satisfied and late payments are still showing on my report. This is Paid as agreed and the derogatory should be removed from my report. As a consumer by law this account must be deleted immediately. 
This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

My accounts was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make 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. 



I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

Despite this attempts now to have these inaccuracies corrected, the fraudulent items remain on my report, significantly impacting my financial standing and credibility. The fraudulent items in question are not only incorrect but have been inaccurately listed on my credit report for an extended period. I have provided substantial documentation and evidence proving the fraudulent nature of these items, yet they continue to adversely affect my credit history. This situation has caused me considerable stress, inconvenience, and potential financial harm. Immediate action is imperative to rectify this matter. I expect a thorough investigation into why these fraudulent items persist on my credit report despite multiple requests for their removal. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. Furthermore, I am seeking the assistance from you to ensure that this matter is handled appropriately and expeditiously. The presence of these inaccuracies on my credit report has significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities essential for my financial stability. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX Balance Owed : {$2000.00} ; XXXX  XXXX Balance Owed : {$590.00} ; XXXX XXXX XXXX XXXX XXXX : {$81.00} ; 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  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$2000.00} ; XXXX  XXXX Balance Owed : {$590.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX & XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-06-12
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. (CA)

This is my 6th attempt to inform the credit bureaus that I am a victim of identity theft and to dispute certain records in my documents resulting from this crime. The documents in question are unrelated to any transactions involving goods, services, or money that I have made or authorized. Please remove any information in my credit report obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-12
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. (MI)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-06-08
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. (MI)

The balance being reported by is not accurate. The outstanding balance stated for this debt is {$7900.00} last I checked. This balance also clearly lacks the credit of the XXXX insurance purchased at the time of the vehicle purchase on XX/XX/2019. The XXXX insurance was refunded at a prorated amount due to the cancellation of the contract as a result of XXXX and their unwarranted repossession. It is obvious that either the selling dealership or XXXX has failed to include the XXXX insurance refund in the so-called unpaid balance following the auctioning of my XXXX  The finance contract signed by myself, and my co-buyer XXXX XXXX has been modified to state that I XXXX XXXX was the co-buyer when in fact Iwas the Buyer. It is inaccurate to report that XXXX XXXX was the buyer when he did not require a co-buyer to make the purchase. I XXXX XXXX was the one that required a co-buyer due to my lack of credit worthiness. Please assist me in getting the account corrected or deleted.
Consumer complaint received 2024-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-09-05
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: Upgrade, Inc. (WA)

I am submitting this formal complaint against Upgrade , Inc. for their failure to honor a financial hardship program and the resulting negative impact on my credit report. Despite repeated assurances and acknowledgments of their error, Upgrade , Inc. has failed to resolve this matter for over XXXX months. 

In XXXX, I was experiencing significant personal and financial hardship due to the following reasons : Separation after a XXXX relationship, leaving me homeless. 
The tragic death of my sister, for whom I was responsible for handling all affairs. 
The resumption of a {$1500.00} per month student loan payment, further straining my finances. 

I communicated these issues to Upgrade , Inc., and XXXX separate agents assured me that I qualified for their financial hardship program. They agreed to place me on this program, which would have allowed me to defer payments until XX/XX/year>, by which time I would be able to resume payments as normal. Unfortunately, despite these assurances, Upgrade , Inc. failed to enroll me in the hardship program, and I was subsequently reported as delinquent for XXXX months of missed payments. This severely damaged my credit score. 

In XX/XX/year>, I contacted Upgrade , Inc. to resolve this issue, and they admitted multiple times that they had made an error by not placing me on the hardship program as promised. They agreed to correct the reporting with the credit bureaus, changing the status to " No Data, '' which is what should have been reported had they followed through on their commitment. They also promised to send a creditor courtesy letter stating the corrected dates. However, none of this has happened. 

Over the past six months, I have made numerous attempts to resolve this matter. Every time I speak with Upgrade , Inc., they acknowledge their mistake and assure me that they will correct the credit reporting. Yet, they have repeatedly failed to take any action. They have also failed to send the promised courtesy letter. 

The ongoing lack of resolution has caused significant damage to my credit, despite Upgrade , Inc.s clear admission of fault and continued promises to fix the issue. I am seeking CFPB 's assistance in ensuring that Upgrade , Inc. follows through on its commitments and corrects the inaccurate credit reporting.
Consumer complaint received 2024-09-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (AL)

I completed an application for tides on leisure apartment in XXXXXXXX XXXX and paid an application fee as advised by XXXX XXXX I was informed that the application was denied after I called several times and emailed to get a status update of the application. They never followed up with me. 
I was told to contact the third party services they use to review applicants. I communicated with the third parties via email and phone. 
My application was denied. I never signed a lease. I do not owe this debt