davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: AmeriHome Mortgage Company, LLC (AZ)

I notified my mortgage servicer that I had lost my job and wasn't able to continue making mortgage payments while unemployed. 

They approved me for an XXXX XXXX XXXX. There was very little information on the website about processes and procedures. Additionally, I received no information as to timeframe of acceptance AND my mortgage servicer continues to report my non-payment on my credit report even though they're not supposed to. 

I spoke with them in XXXX and noted that they are reporting the past due status on my credit report and was told it would be taken care of but it has not.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing this complaint regarding inaccurate late payment entries on my credit report. Upon thoroughly reviewing my records, I discovered these erroneous late payments listed, despite my accounts being up-to-date. More than a month ago, I submitted correspondence disputing these entries and requesting validation, but regrettably, I have not received any response or satisfactory resolution. I am respectfully seeking your prompt assistance to rectify this issue.
Consumer complaint received 2024-06-17
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. (CA)

XXXX XXXX XXXX, XXXX. 

Subject : Pre-Arbitration Notice Dear XXXX XXXX XXXX Customer Service Department, I am writing to formally notify XXXX XXXX XXXXXXXX XXXX. of my intent to seek arbitration under the terms of our agreement. This pre-arbitration notice addresses a fraudulent collection account that has been placed on my credit report. 

Despite my efforts to resolve this matter directly, including sending a police report and government ID proving my residence, the issue remains unresolved. The collection account in question was allegedly mailed to an address that is not mine and has never been my residence. Consequently, not only is the debt invalid, but it is also fraudulent. 

Under 15 USC 1692B ( 2 ), a debt collector is prohibited from disclosing to third parties that I owe a debt. Additionally, according to 15 USC 1692E ( 3 ), a debt collector can not falsely represent the character, amount, or legal status of any debt. Further, per 15 USC 1692C ( 2 ), a debt collector must cease communication if I notify them in writing that the debt is disputed. Your failure to address the dispute violates these provisions. 

Given these serious issues, I am seeking the following remedies through arbitration : - Immediate removal of the fraudulent collection account from my credit report.

- Compensation for any financial harm and damage to my credit score resulting from this fraudulent account. 
- Assurance that such errors will be prevented in the future. 

I request that XXXX XXXX XXXX respond to this notice within 30 days to resolve these issues amicably. Failure to respond or to provide satisfactory resolution will leave me no option but to proceed with arbitration as stipulated in our agreement. 

Please direct your response and any relevant correspondence. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

I have been a Wells Fargo customer since XXXX. Recently, there is a settlement between Wells Fargo and customers because of a data breach. 
On XX/XX/XXXX, I tried to use my debit card, but it didn't go through. I was noticed by phone that the card has been compromised and canceled. 
I would like to check if I'm eligible for the payment because of this inconvenience. 
Thanks,
Consumer complaint received 2024-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (AZ)

This is a continuation of my previous complaint with Ed Financial. They have failed to process my repayment plan, after 5 months of waiting they finally told me it was processed and the billing would start XX/XX/XXXX. However in XXXX I received a late notice for a different amount, I called they said to ignore it because the system needed time to catch up. In XXXX I receive a sudden bill for a different amount and late notices so I pay it and call. The rep said I didnt have any balances due and that more time was needed for the system to catch up, I told her how my payments were not accurate and that random amounts would suddenly show past due. This was dismissed as system error and give more time until next month. In XXXX another random about showed due and not the correct amount, I paid it. A few days later I have a sudden past due amount for XXXX show up without notice that does not match my repayment plan at all or the payment I made already. I get calls/ emails from the federal government saying I missed payments, I get notices from my credit monitoring services all saying payments are late, when in reality Ed Financial is not correctly processing my loan account. It makes no sense and their reps are unable to help, managers rarely return requests for help. I get told different things each time I call in. My loan has been inaccurately processed, my payment amounts are always inaccurate, the notice of payment due is always sudden, past due amounts show up suddenly. Previously they could not be reached, they took months to incorrectly process my repayment plan, managers do no return calls, you never can talk to the same person, each rep says something different than the other. All I am asking for is to make my monthly payment in the correct amount monthly. I do not know what else to do.
Consumer complaint received 2024-05-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MN)

I requested the School Misconduct Discharge Application from Navient on XX/XX/year>. This information to do so was given by the XXXXXXXX XXXX XXXXXXXX XXXX XXXX, that Navient has the means to discharge these private loans. https : XXXX Navient 's response was on XX/XX/year>. 

The response I received from Navient when requesting the application was " Thank you for inquiring about a school misconduct discharge for your private loans. We have determined that your loans are not eligible because they are no longer outstanding. '' My federal student loans were discharged and any payments reimbursed from the Sweet vs. Cardona case/settlement brought to attention and won by XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. I believe the private student loans paid for and in-process of being paid from my discharge due to the misconduct and predatory nature of XXXXXXXX XXXX shall also be forgiven and reimbursed without regard to their current status. 

I then responded to them on XX/XX/year>, that the loan status shouldn't matter, and along with the federal loans being somewhat paid for, they were discharged and payments reimbursed, that this load shall also be reimbursed due to the predatory nature and misconduct of XXXX XXXX and that I would be filing a complaint with the CFPB. 

I have attached the original DoE ( Department of Education ) Blanket Denial that spurred the XXXX  settlement in to action, the request for reconsideration following the blanket denial, the XXXX  letter stating the settlement was going through, and the DoE 's letter stating the actions due to the settlement proceeding and being won. 

Again, here is the link for XXXXXXXX XXXX information given for Navient Student Loans. XXXX XXXX XXXX
Consumer complaint received 2024-06-17
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)

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 XXXX XXXX XXXX. Account name : XXXX XXXX XXXX, Account number : # XXXX, Account name : XXXX XXXX XXXX Account number : # XXXX, Account name : XXXX XXXX XXXX, Account number : # XXXX, has violated my rights. I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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. and according to 15 USC 1681s-2 they are supposed to 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 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

Previously I disputed a fraudulent account listed as XXXX XXXX XXXX Equifax and the account was deleted. I called Equifax and the representative stated that the account had already been removed from my report. Confirmation number : XXXX Equifax Report Request on XX/XX/XXXX Today the account mysteriously appears again. I know it is against the consumer reporting law to re-list an account that has been removed for over 30 days. The account was initially deleted in XXXX. I have a recent report where the account was not listed. Which Equifax should be able to review as well. This account is fraudulent. The address reported does not belong to me.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Date : XX/XX/year> I received a letter from your company stating that the item I disputed has been up-dated with new information. Well, after carefully looking at my credit report, I dont see what has been updated, and I dont think that was the reason for my dispute. Im a bit confused here. Please tell me what has been updated? For example, has the balance on my account changed? Was the late payment indication on my account removed? What has been updated? If your company cant fully disclose what has been updated, then I need you to re-investigate the item that I disputed. 

XXXX XXXX XXXXXXXX XXXX  XXXX Each day your company refuses to investigate the incorrect item is causing me stress. Im asking you for a second time to please investigate the negative accounts listed above. 
I think 30 days should be long enough for your company to complete this investigation.
Consumer complaint received 2024-06-17
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. (GA)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Hi, the erroneous information you keep reporting on my credit has already been deleted by both XXXX and XXXX and were blocked from reporting said information, so I don't know why you keep reporting these errors on my credit this is extremely stressing me out. I have contacted Equifax and a representative confirmed to me that they are already deleted from my credit report but I still see it which is super frustrating.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-06-17
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. (DC)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXXXXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has willful noncompliance to remove several accounts from my credit report that are aged. This is a violation of FCRA. They continue to place erroneous accounts on my report after several attempts to dispute. These accounts are past the statute of limitations seven years. I am requesting civil liability 15 U.S Code 1681n
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (TX)

In XXXX the original finance company, never had me sign the loan agreement they were supposed to have me sign..the company Wells Fargo has been , acting like they have had a security interest, they never had to this day ......
Consumer complaint received 2022-01-09
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. (VA)

Due to the XXXX data breach/identity theft there are many unauthorized inquiries and accounts on my credit report that need to be removed immediately. What the bureaus are doing to people is terrible. I go to closing in for a new home in 30 days and this is really holding me the XXXX back! This is ridiculous. According to the FCRA laws I know if I filed a FTC report that whatever is unathorized is to be blocked and removed. Now, CFPB please encourage XXXX, XXXX and Transunion to do their part because if i do not receive a response and those things mentioned on my credit report still exists, I will suing all 3 bureaus. 

Please do not tell me that " its not me that authorized this complaint '' because I am attaching my ID, and Social security card. No stalling tactics that harm regular consumers like me! FTC report and FTC letter has been sent and filed and a police report has been filed and an identity theft affidavit has also been sent to all 3 credit bureaus and faxed to XXXX. I have receipts of everything. FTC report reference number is # XXXX.
Consumer complaint received 2024-06-17
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. (TN)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I FOUND FRADULENT ACTIVITY ON MY CREDIT REPORT I FOUND 2 HARD INQUIRES THAT IS NOT MINES AND I DIDN'T AUTHORIZE THIS HARD INQUIRES COMPANY NAME : XXXX XXXX DATE : XX/XX/scrub>XXXX XXXX XXXX XXXX DATE : XX/XX/scrub>XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

hi i get an offer from American Express Blue Business Card by Using {$6000.00} in the first three months then they Give me XXXX XXXX points After using this card now they're declining to give me the points they're saying I have an idea cart like this basically I was never told I do not have this card, secondly this is under a separate business account nothing to do with this one I believe this is fraudulent activity they should be cleared specified at a time application and I should find out later. The business name XXXX XXXX XXXX thank you
Consumer complaint received 2019-10-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: AMERICAN EXPRESS COMPANY (CA)

American express blue prepaid card XXXX XXXX XXXX, code XXXX, expiration XX/XX/XXXX charged me {$2800.00} without my permission or authorization for a car rental which was already prepaid. They took {$900.00} I had on my account at that time, plus left unpaid balance, and fees American express imposed. It happened in XX/XX/XXXX.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Just how in the world was I ignored multiple times with my requests to have these accounts verified because I don't think they were reported with a XXXX percent accuracy. This has been making me feel ignored and XXXX  because how am I supposed to go on with my life knowng that my credit scores has negatively impacted my applications for so many things and it's all because these accounts weren't even verified or certified to a maximum accuracy.
Consumer complaint received 2024-07-01
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. (FL)

Since XXXX the company XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX has been reporting in my credit score a debit balance of {$800.00} in the 3 credit bureaus, which is limiting me from opting for a credit of housing which is my right to obtain a housing loan. 
according to the fair credit reporting law. I demand that the account of XXXX XXXX XXXX ACCOUNT NUMBER XXXX ... AND THE ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX be reconsidered and evaluated and removed from transunion, XXXX and XXXX, SINCE I HAVE BEEN A VICTIM OF IDENTITY THEFT
Consumer complaint received 2024-06-17
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, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and this company that is making money off me while maintaining my credit in the ruins and selling my information to third parties. After reviewing my credit reports I noticed that XXXX XXXX are alleging that I owed an amount of {$7900.00} to them without furnishing any proof of verification of this debt or that they followed all laws and regulations to report. I have continuously reached out to discuss this matter and XXXX XXXX   has denied all communications with me and never responded within the time frame required by law. Pursuant to 1692g, i requested the Method of Verification for the said account and XXXX XXXX  failed to comply as well in a timely manner. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. Account Number : XXXX
Consumer complaint received 2024-07-29
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.