davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-07
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. (GA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 U.S.C 1681. 


Account name XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
Account name : XXXX XXXX  XXXX, has violated my rights. 
Account name : XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX  # XXXX, has violated my rights. 
Account name : XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXXXXXX # XXXX, has violated my rights. 
Account name : XXXX  # XXXX, has violated my rights. 
Account name : XXXX XXXXXXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX AUTO # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX, has violated my rights. 
Account name : 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 an account without my written instructions.

15 U.S.C 1681 c. ( 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 the records of conviction of crimes which dates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Navient isn't changing the name on my private loan and this is causing me to be overlooked for forgiveness for private loan from a for profit fraudulent school. 
I have a private loan from Navient through XXXX XXXX XXXX XXXX XXXX, CA. Not only is Navient refusing to work with me to lower the 13.250 % interest rate, but they wont correct the name on this private loan. It says XXXX College ( my local community college ). Although I attended XXXX college periodically, I did not graduate from XXXX college and didn't take out a loan for attending XXXX College. There is a loan forgiveness program that I should have been but was not included in : Government Action : XXXX  reports on known government actions involving business marketplace conduct : : Navient Settlement with Multiple US States which states the following : The terms of the settlement will include the following : {$1.00} XXXX in private student loan cancellation for borrowers who attended certain for-profit institutions. Since I attended XXXX I believe I qualify for forgiveness but wasn't included because of the name on my loan. I asked Navient about it but they only sent me the promisary notes with XXXX on them but named under XXXX College. I believe I was overlooked and was denied this forgiveness because the wrong name is on my loan on Navient.com. Otherwise my loans would have been forgiven. I have no idea how to get this resolved or who else to complain to. I believe this was a predatory private loan created by XXXX and Sallie Mae ; now Navient. Also I have been fighting Navient on my private loan payments and refuse to pay because they will only put {$30.00} of my {$270.00} payment toward the principal. The rest was being put toward interest. I was basically throwing my money away at them. I have paid {$29000.00} in interest and {$12000.00} in principal. Original principal was {$23000.00}. I believe Navient isn't lowering my interest rate because they make a huge profit off of it just like other borrowers.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$43000.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$610.00} ATTYGENERL XXXX Balance : {$43000.00} ATTYGENERL XXXX Balance : {$36000.00} XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$460.00} XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX : {$38000.00} XXXX XXXX XXXX XXXX Balance : {$44000.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Balance : {$460.00}
Consumer complaint received 2024-04-07
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. (TN)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-11-13
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I've identified several deviations from mandatory reporting standards, raising concerns about the accuracy and completeness of the information in my report. Consequently, I refute the allegations against me and challenge you to substantiate the reporting of this incomplete negative information on my credit report. 

As per 15 U.S.C 1681e, consumer reporting agencies must adhere to reasonable procedures to ensure the utmost accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) stipulates that furnishers must provide information about consumer accounts with integrity and accuracy, conducting reasonable investigations of consumer disputes following Metro 2 compliance standards outlined in the XXXX. 

Departing from these standards jeopardizes the integrity of the data, as highlighted in the XXXX. Reporting errors can compromise the accuracy of federally regulated reports. Therefore, I am exercising my rights to contest these inaccuracies and non-compliant items. Ignoring my request would signify a disregard for my consumer rights. 

Reporting unconfirmed and potentially unethical information that does not meet certified standards is unjust. I dispute these claims and request evidence of proper reporting standards. Your actions are a violation of my rights, as detailed in this document. The incomplete and non-compliant nature of the report fails to meet legal standards. I demand certification of all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to comply may prompt me to escalate these issues to the CFPB, FTC, and my Attorney General.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-04-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TN)

I have requested to release my cosigner for the last three years to no avail, even though I have followed all of their requirements and met their terms including two years of on-time payment and credit score. When I was denied the first time, they told me I had all of the information and on-time payments, but did not have the credit score. When I asked what the credit score needed to be, I was told that she did n't know and could n't tell me. The second time I was denied, I was told that I had late payments, even though I did not. I was then told I did n't have the credit score, though my credit score had increased by XXXX points. The third time, the customer rep told me she did n't understand why I had been denied the XXXX previous times and I should have been approved, but she would get back to me. I never heard from her again. I am submitting another request on XXXX. I have also requested to have late payments removed from my credit report as I was not late on several months listed - XXXX and XXXX. I was supposed to have a forbearance that they made me take. Additionally, I asked for other options other than forbearance due to unemployment and was told I had no other options.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX  XX/XX/XXXX is being reported as a late payment. However, it was not late. 
XXXX XXXX  XX/XX/XXXX is being reported as a late payment. However, it was not late. 

I have sent the credit bureau XXXX separate letters over the last 90 days. I requested statements showing a late payment. To this date the error has not been removed from my report. Nor have I received the requested statements.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX I DISPUTE A 30 DAYS LATE ON MONTH OF XX/XX/XXXX, THAT IS REPORTING ON MY CREDIT REPORT INACCURATE. I RECEIVED RESULTS STATING IT WAS VERIFED. I DISAGREE, IF YOU WOULD VIEW MY FULL CREDIT REPORT IN YOUR SYSTEM. YOU WILL FIND THAT I PAY ALL MY BILLS ON TIME. THERE IS NO OTHER MISSED PAYMENT REPORTING ON MY CREDIT REPORT. 

XXXX XXXX XXXX ACCOUNT XXXX XXXX I HAVE ALSO REACH OUT TO XXXX XXXX XXXX XXXX AS WELL. I HAD NO KNOWLEDGE NOR NOTICE OF THIS ACCOUNT WAS GOING TO BE REPORTING 30 DAYS LATE.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Subject : Dispute of Late Payments on Account [ XXXX ] Dear Sir/Madam, I am writing to dispute the late payments being reported on my account [ XXXX ]. According to the Fair Credit Reporting Act ( FCRA ), the term person is defined broadly, including entities such as XXXX XXXX. 

Reference : 15 USC 1681a ( 2 )  ( A ) ( i ) Explanation : This section establishes the broad definition of person under the FCRA, encompassing entities like XXXX XXXX. It serves as the foundation for disputing the reporting of late payments by such entities. 

Furthermore, under 15 USC 1681a ( 2 ) ( A ) ( i ), a consumer report excludes information about transactions solely between the consumer and the reporting entity, subject to section 1681s3 of the FCRA. As such, reporting late payments as transactions is a violation. 

Reference : 15 USC 1681s3 Explanation : This section outlines the responsibilities of furnishers of information to consumer reporting agencies, emphasizing the requirement for accuracy. It supports the argument that transactions solely between the consumer and the reporting entity should not be reported under this section. 

In accordance with SC Code Ann. 39-5-10 et seq., which prohibits unfair or deceptive practices and acts, the illegal reporting of late payments corresponds with this law. 

I am ordering XXXXXXXX XXXX, XXXX, and Equifax to cease reporting late payments for this account and update it to Paid as Agreed, Never Late. I do not authorize the reporting of these late payments, as they are not only inaccurate but also damaging to my creditworthiness. 

Furthermore, even with a permissible purpose, consumer consent is essential, as mandated by 15 USC 1681b. I do not grant such consent in this case. 

If the account is not updated within 30 days from the receipt of this complaint, XXXX, Equifax, and XXXX XXXX  can be held civilly accountable. I appreciate your attention to this matter. 

Done in good faith.
Consumer complaint received 2024-04-07
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. (VA)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXXXXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2023-11-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (DC)

On XXXX, I tried to pay my contractor {$2700.00}. 
I immediately contacted PayPal and expressed my concern that A ) the money was sent to the wrong person accidentally. PayPal told me to contact that person and ask for the money back. When I did that the person told me that his account was hacked XXXX years ago and he has no access to the PayPal account. So PayPal should not have allowed his account to remain active on the site and this would have prevented my mistake. 
B ) PayPal took out {$78.00} as a fee even though they advertised it as though there were no fees involved We are a non-profit and now we are out {$2700.00}
Consumer complaint received 2024-01-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Block, Inc. (IL)

" Absurd Customer Service Response Time '' I have been an Afterpay user for more than a year and it's more than fair to state that I have been responsible with my repayments as reflected in my spending limit. It might have not been perfect but it's quite stellar. On XX/XX/2023, I have reached out to Afterpay stating that my privacy has been compromised and I needed to cancel/freeze and shall be issued with new bank cards for at least 7 to 10 business days, thus, asking them to move my payment dues.. Unexpectedly, no one was responding after 24 hours, after 2 days, after 4 days and even if I e mailed them separately, nobody was there to attend my concern. There is not even a phone hotline for faster response which is absolutely ridiculous. My dues became late and I started piling more and more messages to them, and to no avail. I even used one card of mine even if i was advised to never use any of them until all has been fixed, just because I was too paranoid to even have a few days late in payment. Until a week after, someone responded, screened me and responded back again after a day and even though I have already mentioned and reiterated the important concerns I have, agent XXXX seemed to be more concerned of their policy than catering a need to a customer who has been waiting for more than a week. The agent stated to the effect of, " they could not do anything about the past due arrangements or to move payments because basically, it's already in the past and they just responded ''. Which to me is horrifying. I'm not certain if XXXX has been trained or she's the only customer service agent under Afterpay 's wing. It's also noteworthy that this complaint is not new at all, I have read numerous concerns all over the internet and filings submitted to FTC as well. It is indeed my responsibility to take care of my dues and I am not even demanding to cancel them or write them off, what I was asking is for someone to consider the situation as it is also stipulated in your guidelines about experiencing cancelled cards. Nobody handled it and my spending limit has now reached to XXXX. XXXX did not even move any payments for tomorrow since my request covered up to 10 business days.
Consumer complaint received 2024-01-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (NC)

The situation is in regards to Westlake Portfolio Management and U.S. Auto sales. U.S. Auto sales is the original credit lender to my vehicle ( XXXX XXXX XXXX, VIN # XXXX ). On XX/XX/XXXX U.S. Auto sales closed their doors without any notice or warning. My loan was then transferred to Westlake Portfolio Management shortly after. Not too long after that did we learn that U.S. Auto Sales had filed for bankruptcy and was being sued due to the fraudulent activity of never paying for the warranty provided by XXXX XXXX XXXX XXXX ( DOWC ). Once everything was further reviewed we were made aware that the warranty and Gap that were agreed upon in my contract were null and void. When I made efforts to contact Westlake to see if my warranty was being honored or refunded they told me that they do not know and to contact their new warranty company. When I did so the warranty company named XXXX replied to me via Email that I do not have a contract with them. The new company who is claiming to be my original creditors have not provided me with a new contract connecting me to a loan provided by them. My lawyer has written to Westlake twice now demanding a contract rescission under the primary XXXX XXXX XXXXXXXX XXXX XXXX. Of which is only one of the many laws violated within the contract provided by U.S. Auto Sales and now by Westlake Portfolio Management. 
Also in attempts to communicate with Westlake all representatives are very rude and controversial. It appears as none have been taught about the situation and have been given scripts that do not aid in the transition to Westlake. Westlake has failed to make any proper communications regarding the letter that has been sent to them Twice and can not supply a single answer to my questions without them being met with controversy. 

My husband XXXX XXXX and I are both on the account for this vehicle. Both of our credit scores have been attacked. XXXX XXXX is an active duty service member and received DA orders for Recruitment and we will be moving, but can not buy or even rent with this attacking our credit scores.
Consumer complaint received 2023-11-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (MD)

This isnt right I keep disputing this on my credit report when I called into the company they were very rude and Credit companies Keep putting this bill back on my credit report that I do not owe.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

XXXX XXXX and XXXXXXXX XXXX have been unlawfully reporting my transaction history to unaffiliated businesses such as XXXX, Equifax, and XXXX. I have attached a picture of their Privacy policy which states they don't share information with anyone unaffiliated and I have also attached a letter sent to them describing the USC and CFR laws listed within the notice.
Consumer complaint received 2024-01-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LoanCare, LLC (TX)

A modification application was done in XX/XX/XXXX with Loancare saying that they had not received my check for the past due balance. I never got a letter from them saying it was denied etc. They said that they have never received any application from me which I have proof that they indeed received it. 

I received papers stating that they were going to file foreclosure process on me XX/XX/XXXX. During this time there were a filed modification which did not stop the foreclosure process. I filled out another one in late XXXX and XX/XX/XXXX, nevertheless I got a letter stating the application was incomplete. The foreclosure process in Texas was not stopped. I filed XXXX XX/XX/XXXX and I have not received any response yet. The forecloser process has never stopped During this whole time process. My foreclosure process is still active even though a modification is sitting at Loancare. They send letters and it's 15 days after the file date. Letting me know my application is incomplete. 
I talked to the loss mitigation department and they told me that they received my application and was working on it. Everytime I call I get a different answer. I have never gotten a email back from them or a text message from them even when I said that is my # 1 means of communication. They have violated Texas laws. I have been in contact with them to save my house because I was told too but everyone who works there gives me the runaround. My wife has XXXX  and the stress of this has made her XXXX worse. 
XXXX worse. 
LOANCARE is who the bank is with. They are awful for getting your information and they are not willing to work with you. My check I mailed is still missing. What happened to my money?