davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NY)

I requested a hardship program because I was out of work due to medical issues and had falling behind by two payments. that went from XXXX per month to XXXX so XXXX stated that my payments would be lowered to XXXX per month for 12 months. to give me the opportunity to catch up. I was told as long as I make timely payments that I wouldn't be removed from the program. so I asked if they could do automatic payments they stated yes. so we set them up. I recieved paperwork in the mail in which I still have, and since the original call XXXX has been reporting to the credit bureau as me being delinquent. and I feel as thou this is unfair to not only me but to any consumer.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

It's my understanding that according to FCRA 605B, we're obligated to eliminate any erroneous accounts from my credit report. Would you mind verifying the documents? A few of the listed accounts seem to be incorrect, and it's causing me some distress.
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I requested a copy of my credit report and noticed I had inaccurate items reporting. I created a letter to request the validity of the accounts. I mailed letters on XX/XX/2023 without a response. I really would like help in this matter. The misleading information is causing me financial stress.
Consumer complaint received 2018-05-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CNG FINANCIAL CORPORATION (CA)

I get this email from a company called XXXX XXXX XXXX saying I have a loan due. 

I DO NOT have any loans or I have not applied for one. This number is not a working number. 

Email says : XXXX XXXX XXXX XXXX Your payment is due soon - we look forward to seeing you Hi XXXX, This is a quick reminder that your payment is almost due. We look forward to seeing you on XX/XX/18 to make a payment of {$550.00} on your current loan. 

For additional payment options, call your XXXX XXXX XXXX  Store at XXXX and we would be happy to discuss them with you. Did you know that check cashing, XXXX, and XXXX XXXX services may also be available in your state? Ask about these services on your next visit. 


Thanks for choosing XXXX  XXXX XXXX - we appreciate your business.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/XXXX and XX/XX/XXXX I ordered some items from XXXX on my navy federal debit card ending in XXXX the items was pending on both days and my bank confirmed to seeing the money in the account and placing it on hold for the vendor to collect the funds. So the vendor which is XXXX collected the funds on XX/XX/XXXX and was paid and settled and delivered all my items to me on the XXXX and prior to the XXXX. Then on Monday XX/XX/XXXX my bank account navy federal took out of my savings account both transactions for {$190.00} and {$460.00} for the XXXX items that was paid and settled on the XXXX. Then they proceeded to say XXXX never came and got the funds in time before processing so they returned the funds to me but only returned {$400.00} when my items was {$460.00} and {$190.00}. Then XXXX stated I got charged twice for the items and my bank charged me for the authorization fees and my bank stated they never charge members for authorization that XXXX took the money so Ive been back and forth with both XXXX and my bank for 3 days now and neither parties want to take responsibility for taking money out of my savings account to cover something that was already paid for and settled on the XXXX. Both parties refused to return funds and they have caused me emotional distress and lost of wages because I missed work trying to get this situated bc they took from my bills
Consumer complaint received 2024-03-14
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: Experian Information Solutions Inc. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX  XXXX and XXXX XXXX.
Consumer complaint received 2023-02-17
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: Experian Information Solutions Inc. (NY)

An account with XXXX XXXX XXXX XXXX was fraudulently opened with my information in XX/XX/2020. I discovered this account my checking my credit report through Experian. I've made multiple attempts at disputing this account and haven't gotten a resolution. This account is negatively affecting my credit.
Consumer complaint received 2023-06-06
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX You are in direct violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX ) has violated several of my rights. 

15 U.S.C 1681 section 602 A clearly states that I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency cant furnish an account without my written instructions.

15 U.S.C 1666B : a creditor may not treat a payment on a credit account under and open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rhode Island Housing and Mortgage Finance Corporation (VA)

RI Mortgage Housing purchased my loan shortly after the company 's recent incorporation. Communication was a nightmare. Getting my automatic payment setup was time-consuming and required multiple phone calls and mistakes were repeatedly made with my escrow. 

Fast forward to a month ago. I needed to change the account my payment was drafted from. I called an agent, but they wouldn't take the new account information. They explained I had to use the web platform. I attempted to use the web platform, and it would not work. I called back and they said the server was down and it would take a day or two. I was suspicious because of the nature of the error, but I tried repeatedly anyway. The web platform still did not work. In hindsight, the rep lied to me about the nature of the error. 

I called again, had to wait on extended holds, and finally talked with a supervisor on XX/XX/XXXX. He said we would have to have a paper form signed and emailed to change the account. I filled out the form and sent it in as an attachment. The supervisor said he couldn't draft from my new checking account unless he had a canceled check. I don't use checks for that account. We argued, I told him he needed to accept the new account information. He said okay and said he would reach out if he needed anything else. 

No surprise, a month later I get a collection notice, and a bill for late fees. After waiting on hold and talking to 2 reps and a supervisor, she took responsibility for a scrivener error when transposing the account number. She said she would reverse the fees. While that was a positive development in the saga, my experience with RI Housing suggests I may not be done with the issue.

Handling the simplest of tasks with RI Housing has been a nightmare since they purchased my home loan. I should have to spend hours and hours on the phone just to make a payment or ensure my escrow is taken care of properly.
Consumer complaint received 2023-10-23
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I have viewed a copy of my most recent consumer report and have found accounts reporting in. 
LIST OF ACCOUNTS WITH LATE PAYMENTS : XXXX account # XXXX As a credit reporting agency you have assumed a vital role and are obligated to report the most accurate and up to date information. 15 U.S. Code 1666b - Timing of payments ( 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. 1 am aware that you have 30 days to complete your investigation. Please send me an updated copy of my consumer report reflecting the changes made. 
Thank you for your attention in this matter, XXXX XXXX XXXX Without prejudice, All Natural Rights Reserved
Consumer complaint received 2017-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is a long story that started with a Ch.   XXXX   BK in  XX/XX/XXXX . BK ended in  XX/XX/XXXX . My original mortgage was in  XX/XX/XXXX  just before collapse of real estate market with Countrywide. The mortgage moved to BofA, then to   XXXX   XXXX   XXXX   XXXX  , then a shady secret account called   XXXX   XXXX  .   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   Then to a collection agency :   XXXX   and now since  XX/XX/XXXX with  XXXX , but  XXXX  still holds the deed. the 2 later are collectors, not really mortgage companies, and are constantly trying to toss me out despite being not only fully paid but have paid too much. When Bank of America transferred it to   XXXX   XXXX   XXXX  , they didnt give them a full accounting, so I ended up in BK trustee court which proved I was paid in full with a court order. In  XX/XX/XXXX . Yet, after BK was over and  XXXX  took over they kept claiming I owed anywhere from $ 12K to $ 25K in unpaid mortgages they couldnt quite get their numbers straightI have been fighting to get some straight accounting from the start of mortgage with BofA but no one is willing to do their homework. Bof A didnt give the right numbers to   XXXX   XXXX   XXXX   XXXX   ever ... and neither of them bothered to find out .... and in  XX/XX/XXXX , they started cashing my checks electronically from  XXXX   XXXX  which somehow, I never got credit for, so when  XXXX  took over in  XX/XX/XXXX , they claimed I owed {$15.00} K approximately. even though according to my records I had paid almost {$3000.00} too much that I wanted to go towards principal. Despite my complaints and massive letters with bank records they threatened me so bad I paid it in XX/XX/XXXX . I do not get any statements but have continued to pay monthly mortgage payments, yet today I got another letter stating I owe over {$7000.00} since   XXXX   ... I called an they claim my mortgage went from {$1400.00} to {$3000.00} in  XXXX  due to flexible rates ... ( I thought it {$1200.00} but have been paying {$1400.00} ) even though mine has been the same more or less for years, give or take a few hundred dollars.. They claim they sent me letters to this fact, which they did n't ... I get lots of letters claiming to default on my condo and asking if I qualify as a veteran ... but none with any amounts in it ... I have never received a proper statement. Every check I pay with, I write on it : " I still did n't get a statement '' If I had of seen such a letter I would put up quite a stink. I am getting so tired of this. Its a cartel of corruption. I have sent so many letters, called and gotten disgusting people on the phone ... claiming they dont care what I say, dont care about my bank statements ... this has to end. I have recorded conversations. I am being abused and cant afford an attorney. I want my {$15.00} K back or at least applied to principal. During  XX/XX/XXXX i did n't even get a 1098 Tax form credit of mortgage interest payments to use against my taxes ...
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

These identity thefts that i have alined are clearly and conspicuously in safeguarding violations to laws 15usc1692, 15usc6802, as well as code 15usc1681b prior to the the new congress laws findings updates for the following laws above. i also am unaware if i am a victim of consumer data breach due to any of the business persons prior to this statement ; that did not have my full disclosures, permissible permissions nor authorization to leak my private information amongst third party consumer reporting agencies which i may repeat is in violations to the codes above which are applicable for my lawsuits.
Consumer complaint received 2023-10-23
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. (GA)

These identity thefts that i have alined are clearly and conspicuously in safeguarding violations to laws 15usc1692, 15usc6802, as well as code 15usc1681b prior to the the new congress laws findings updates for the following laws above. i also am unaware if i am a victim of consumer data breach due to any of the business persons prior to this statement ; that did not have my full disclosures, permissible permissions nor authorization to leak my private information amongst third party consumer reporting agencies which i may repeat is in violations to the codes above which are applicable for my lawsuits.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

THIS HAS BEEN AN ONGOING ISSUE FOR INREGARDS TO A FRAUDULENT ACCOUNT BEING FURNISHED TO MY PROFILE. I'VE CONTACTED THE CREDIT REPORTING AGENCIES IN REGARDS TO XXXX XXXX ACCOUNT THAT I HAVE NO AFFILIATION AND NO KNOWLEDGE OF STILL SHOWING ON MY CREDIT REPORT, IN TWO RECENT CORRESPONDENCES I REQUESTED THE ACCOUNT BE VERIFIED AND THE ACCOUNT IS UNVERIFIED. 

THIS ACCOUNT NEEDS TO BE REMOVED. FURNISHING AN ACCOUNT IN DIRECT RESULT OF IDENTITY FRAUD IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2023-03-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Total Card, Inc. (IL)

All of a sudden I started getting harassment phone call also calls was made to my daughter as well threatening to sue me take me jail and contact my employer. I tried r play I have never hard of a company call total credit o told them it wasnt mine.. the company become belligerent and started swearing at me
Consumer complaint received 2023-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (DC)

I was informed that my request for XXXX wasn't approved ( see text below ). When trying to get in contact with them, their chat service said to call. I'm calling and have now been on hold for 1 hour, 11 minutes, and 35 seconds. None of their social media allows for contacting them through direct message. 

Additional Action Is Needed to Change Your Repayment Plan Dear XXXX, You recently requested an income-driven repayment plan, but we are unable to approve your request. Log in to your Nelnet.com account and select Documents from the menu, then Inbox to view more details about your request and available options.

It is important to check your inbox regularly because these messages may be alerting you of action needed for any recent requests, repayment plan information, or other updates to your account.

You can always access your messages and account details when you log in to your Nelnet.com account.
Consumer complaint received 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Transunion Has consistently ignored my request about a particular account that they DELETED off my credit report without any permisssion or request. XXXX XXXX did not remove the acct and in fact called Transunion and told them we didnt remove here acct it is in good standing and they report on the acct monthly Transunion said they removed themselfs and refuse to add it back and knowing that it was there error. When they removed this account which by the way out of all three bureaus only them. it caused a XXXX pt drop in my score and caused my XXXX to drop in the middle of my Refi. I was approved and then like that this spike happened because it affected my debt ratio. 
I never disputed, complained or ask for this to be removed. 

( this acct needs to be added by, Transunion made a mistake and refuse to own up to it and put acct back ) Account # last four XXXX XXXX XXXX XXXX XXXX date opened XX/XX/2021 credit limit XXXX balance {$00.00} acct is paid after its used asap Note : I wrote them, I sent letter from XXXX XXXX. 
WHAT ( TRANSUNION ) DID WAS MAKE A MISTAKE. THERE WAS XXXX XXXX ACCOUNTS IN WHICH THE OTHER ONE WAS OPENED IN XX/XX/XXXX XXXX LIMIT {$200.00} BALANCE PAID IN FULL. AND IT WAS CLOSED XX/XX/2021. THIS WAS A SECURED CARD- TRANSUNION XXXX A MISTAKE AND CLOSED THE ACTIVE ACCT WHICH ENDS IN # XXXX, WHICH WAS OPENED XX/XX/2021 IN ERROR
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I purchased a vehicle from XXXX. On the third day of having the vehicle an message saying the Alternator and battery was dying. XXXX warrantys company XXXX XXXX  set up XXXX towing to transport the vehicle to a service garage for 1 hour towing and lost the vehicle. The vehicle was not recovered. I requested to swap the vehicle out for another vehicle and I did not ever receive the second vehicle. I am showing {$47000.00} in loans.
Consumer complaint received 2016-05-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (MA)

Account is for XXXX XXXX account # XXXX. This account is not mine. Account belongs to XXXX XXXX and is XXXX years old. I hired an attorney for this. A certified mail letter was sent to XXXX XXXX asking for validation of the account. The USPS Track # XXXX XXXX XXXX XXXX XXXX was delivered on XXXX XXXX, XXXX at XXXX XXXX. XXXX XXXX failed to respond to the validation request. Twice since then, once in XXXX and once in XXXX, XXXX XXXX continued their collection activity by updating the account to XXXX as being accurate when I disputed the account through XXXX. When I called XXXX XXXX, they told me the account was being handled by an attorney and gave me the local attorney 's phone number. When I called the attorney, they said they no longer have the account - that the account has been returned to XXXX XXXX. For 3 days I have spent XXXX hours a day on the phone with XXXX XXXX and no one can help me clear this up. I can not even find a representative of XXXX XXXX who is willing to talk to me about the account. Every representative of Asset Acceptance I get on the phone says that I must speak to someone else and I can NEVER anyone who is " authorized '' to speak about the account. 

Bottom line is they will not or can not validate the account. It is not mine AND it is over 7 years old and they will not cease reporting to the credit bureaus! 
I am demanding that they immediately remove this account from the XXXX Credit Bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Social XXXX DOB : XXXX/XXXX/XXXX XXXXXXXXXXXX