davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I disputed information that was on my credit report that is not reporting accurately. TransUnion. I called the courts which was the US Bankruptcy Court-XXXX and they informed that they do not verify or validate with the Credit Bureaus. I would like this information removed off my TransUnion report of the improper sharing by the credit reporting company. TransUnion could not provide me with copies of any documentation associated with this account with validation, bearing my signature as requested within the 30 days as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ) or the results of their investigation.
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)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and TRANSUNION are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX ) the financial institution and the Consumer reporting agencies XXXX and TRANSUNION do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, TRANSUNION, ( XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and TRANSUNION are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of XXXX XXXX reporting services.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

it is reported that I have criminal charges that are false and inaccurate. I applied for a loan and was asked to explain charges being reported that I have 100 percent no knowledge of and some that are reporting 100 percent inaccurate. I have no associations to any felony crimes. this is a harsh misrepresentation
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (TX)

1year I have been working with Nelnet to help assist. I have emailed them. I have tried reaching out to them after I spoke with someone on the phone stating that my account should be updated I have sent the documentation through my Nelnet account. The document states that my student loan portion has been forgiven. Nelnet has refused to accept and acknowledge my student loans forgiveness portion and its still reporting a high balance that Im no longer responsible for.
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: EQUIFAX, INC. (CA)

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 2024-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (NE)

XXXX XXXX XXXX XXXX XXXX XXXX has falsely place a collection on an account that has been paid for over 10 years. This the same debt I filed a complaint about, previously. I keep getting called because my paid off debt keeps getting sold. Ive had no contact with this particular company or I would have offered up the debt satisfaction letter. This is negatively effecting my credit and its bad business.
Consumer complaint received 2024-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (MA)

On XXXX XXXX XXXX made a deposit with a teller inside the TD Bank location at XXXX XXXX XXXX, XXXX, MA XXXX into a personal checking account ending in XXXX in the amount of XXXX, comprising of a money order in the amount of XXXX and cash in the amount of XXXX as a single XXXX dollar bill. 

The deposit slip completed by the teller reflects a misspelled customer name and incorrect customer account number, although it does reflect the correct deposit amount including the sum total of the money order and cash deposit. 

On XXXX TD Bank posted a debit adjustment to the account in the amount of XXXX. 

Note that this is the second instance in which TD Bank has posted an incorrect deposit amount to this customer 's account.
Consumer complaint received 2017-03-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NH)

In XX/XX/XXXX we began the process of refinancing my Parent Plus loan from Navient Education Loans to a private loan with Navient. On XX/XX/XXXX, I received a notice that my first payment on my private loan was due on XX/XX/XXXX. I went online to set up automatic payments. I was unable to access the online account My wife mailed a check on XX/XX/XXXX ( check # XXXX XXXX to make sure payment was timely received*. In early XX/XX/XXXX my wife and I also called, and the loan servicer could not find my loan. 
* The check was cashed by Navient on XX/XX/XXXX. When we called to ask about the payment, Navient told us that they could not find it. 
During the following 8 weeks, we called and spoke with numerous individuals on over half a dozen occasions in both the private loan and education loan departments at Navient. 
Several weeks ago, a representative determined that my social security number had been inaccurately transposed within their system when the loan was transferred. They told us that it would take several weeks for it to get resolved, and that there was nothing else we could do, but wait. At that time, we reiterated that because this problem was not caused by us, that we should not be penalized in any way. 
Yesterday, XX/XX/XXXX, I received an e-mail indicating that my loan required my attention. We called, and were told that my loan was in forbearance due to missed payments. 
On XX/XX/XXXX I received notice that my credit score has gone down over XXXX points due to delinquency. 
We have documentation for the majority of conversations, along with a fax that we sent at Navient 's request concerning the matter. 

We have not failed in our efforts to pay this loan. In fact, if it were not for our efforts to understand what was going on with our loan, there is no way of knowing what the status of the loan would be today. Navient has shown gross negligence in handling our loan, and now my credit has been adversly impacted.
Consumer complaint received 2024-01-14
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Aldous & Associates, PLLC (TX)

On XX/XX/2023 I contacted XXXX XXXX a spoke to a manager in XXXX, Texas about a gym membership I desired to cancel because of the never using the membership and the front desk staff being unprofessional and not explaining the terms correctly of what I was signing up for. The manager was a female and assure me that she " would take care of it and get it canceled '' that never happened apparently and I was sent to collections. I even sent an email XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 requesting the closure to XXXX XXXX billing company and I owed no money at the time. I got a response from the billing company that stated : Dear XXXX, Re : XXXX XXXX XXXXXXXX Account # : XXXX We have received your request to cancel your membership. At this time, your account has been set up on a pending cancel status. Before your account can be cancelled, you are responsible for a 30 day written request ( this has been fulfilled via your email ) and any payments that fall within that time period. 

Customer Care Offline Processor XXXX XXXX XXXX XXXX XXXX. 
Customer Care : XXXX Email : XXXX Website : XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX
Consumer complaint received 2024-01-14
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: EQUIFAX, INC. (NJ)

I was looking at my report and noticed there was some things that was not correct. I sent a letter to Equifax on XXXX XXXX. Here is the information, but it has been more than 35 days since the credit bureau havent responded thats a violation of 15 U.S. Code 1681i Under 15 U.S. Code 1681i -Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-01-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF NEW YORK MELLON CORPORATION, THE (GA)

The Bank of New York Mellon has not processed my two securities/coupons for my XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. Please see the attachments. The Bank of New York Mellon is violating the Securities Exchange Act of XXXX and the Trust Indenture Act of XXXX. The Bank of New York Mellon is the Indentured Trustee for XXXX XXXX according to latest Trust Indentured agreement between XXXX XXXX and The Bank of New York Mellon from XX/XX/XXXX. Please forward this complaint to XXXX XXXX XXXX who is the Vice President of Corporate Trust for The Bank of New York Mellon so the concern will be appropriately addressed. PLEASE NOTE XXXX XXXX IS THE NOTEHOLDER AND I AM REQUESTING PAYMENT OF PRINCIPAL AND INTEREST ACCORDING TO SECTION XXXX PERSONS DEEMED OWNERS which is located in the latest Trust Indentured agreement between XXXX XXXX and The Bank of New York Mellon XXXX XX/XX/XXXX. I revoke/rescind any security interest XXXX XXXX has in accounts ending in XXXX and XXXX and assume all titles, rights, and interest in ALL NOTES. Please do not hesitate to contact me at XXXX or XXXX if any questions arise.
Consumer complaint received 2024-01-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: 1st Franklin Financial Corporation (TX)

I have been sick with severely documented XXXX and stop making payments in XXXX XXXX  because I wasn't working as a XXXX employee being sick. I communicated that early on to the office around XX/XX/ ( 30 days BEFORE the loan was even to be considered late ) and I even filled out the new application on their website and spoke to XXXX at the local branch in XXXX, Texas for a new consolidation loan to prevent any lateness they would not approve it it, so I ended up missing my first payment in XX/XX/2023 as projected. Since XX/XX/2023 this company has called my work cell phone, left messages, and sent several collection letters in excess of 7 times a days 7 days a week and is in violation of the Fair Credit rule for debit collecting. I have express that is my work number and requested them to stop and the response from XXXX at the local office is that " The company REQUIRES them to call and leave message Monday-Saturday the hours they are open.
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. (VA)

I XXXX XXXX got a copy of my credit report and recently disputed alleged debt with the collection through CFPB, the company failed to provide a CERTIFIED mail receipt with my signature showing if I got notify of the debt, failed to enclose on how much the debt collector paid for the debt, failed to enclose if they are registered to collect debt in the state, collection is not on any of. the addresses that are attached to my credit report that is also attached below with NMLS of registered states to collect on debt. Results as well.
Consumer complaint received 2024-01-14
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)

Due to FCRA and the Privacy Ac of 1974 Equfiax are in violation of Consumer Laws. 
unbeknownst to me there was a security breach with Equifax that the bureau had to pay out up to {$420.00} million. After carefully reading consumer laws, i've notice that the credit bureau 's have been in business with non affiliated third party companies and reporting transactions without the authorization of the consumer. Such actions are payable in fines. 

" In XXXX XXXX XXXX  Equifax announced a data breach that exposed the personal information of XXXX XXXX people. The company has agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau, and 50 U.S. states and territories. The settlement includes up to {$420.00} XXXX to help people affected by the data breach. '' EQUIFAX NEVER expressed to me of any beach but continue to work with non affiliated third party companies which is in DIRECT VIOLATION. 

seems like the breach still exist i was in the mid XXXX.
Consumer complaint received 2023-11-15
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: EQUIFAX, INC. (IL)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2024-01-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (KS)

On XX/XX/XXXX while booking a flight reservation with XXXX XXXX XXXX, I was offered opportunity to be approved for a Citibank credit card with bonus features ( XXXX miles and {$400.00} statement credit when paying {$400.00} for XXXX XXXX. So, before completing my booking, I called AA Citibank credit card ( XXXX ) where I was assured I fulfilled both requirements ( not haven received a statement credit or bonus miles on a new credit card within 48 months prior ) to receive the bonus offer. So I filled out the online application via XXXX XXXX reservations and was instantly approved and provided a digital account number to use to complete the reservation. First I wanted to print the page with the account number so I clicked the box to " print this page ''. I swiveled in my chair to reach the printer so see that instead of a page with the account number, the terms and conditions being printed, way more than a page so I cancelled the waste of printer ink. Immediately I turned back to my computer to see I had been logged out due to timeout. At most, a minute had passed. I called the same customer service number to get the virtual number but was told : they could not see or give me the account number or cancel the credit card and there was nothing they could do to help. She said the website times out so quickly for " security reasons ''. When I asked to escalate, I was told the supervisor would tell me the same thing. She said there was nothing anyone could do and I would have to wait 7-10 days for the actual card to arrive in the mail. But, I needed to book the flight today and my mail was being held for 30 days while I was unavailable during that time period. I went back to XXXX XXXX website to try to find the approved credit card but it was not retrievable. So I tried to book the ticket and was again offered the same credit card bonus offer. But if I request approval for another credit card, I will have a new credit card on record, one approved 5 minutes earlier, definately within the 48 month period. I plan to not activate the card after it arrives. The reason I wanted the credit card was to be credited for the airline reservation. In order to book the flight, had to make the reservation without the credit card so I want to cancel this credit card. Can you please help with this misleading offer that deletes the new account within a minute and will not allow to cancel the application five minutes after approval? I have been an AA Citibank customer since XXXX and this is only the second time in 25 years I have applied for a new credit card and both times they have misled me.
Consumer complaint received 2023-10-02
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)

THIS ACCOUNT IS NOT MINE 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
Consumer complaint received 2024-01-14
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

Not only did I have payment application issues that Lakeview refuses to address, but they filed for a judgment of foreclosure, when they knew the house was under contract. They filed the judgment the day before closing in the sale, as well as simultaneously sending my account to a collection agency, which caused me to incur an additional {$7000.00} in fees I had to pay out of my proceeds from the sale that they knew was taking place the next day, in order for the closing to take place as planned. They have unnecessarily messed up my credit, including filing a false judgment of foreclosure so that this public record is out there for anyone to see. They have harmed me financially, since I have been denied rental housing due to this filing. Because of this, I am paying higher rent at a place I could find nearby, even though my income qualified me for the original lower rent complex. I was only declined because of this rushed judgment filing that was done strictly to harm and embarrass me. I have called numerous times since XXXX to request information and to ask that they remove the judgment filing, since no judgment was obtained, but they refuse to even talk with me. The closing agent and I were both in regular contact with Lakeview regarding the closing date for sale of the property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in addition to Lakeview NEVER even provided any written notification of any pending collection action or pending judgment. Please help me in getting this corrected. I had file for XXXX XXXX  in XXXX, and I paid 100 % of my obligations. After all of my hard work, this was a slap in the face.
Consumer complaint received 2024-01-14
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: EQUIFAX, INC. (MD)

Re : Responsibilities of a furnisher I recently requested a dispute with your agency and the bankruptcy court regarding this inaccurate account in my credit report. The furnisher told me they do not communicate with your agency. You cant report an account on a consumer report if the furnisher cant notate that the account is being disputed. Therefore, you are reporting an account that shouldnt be reported because its no way to validate that its 100 % accurate without the furnisher participating or sending you documentation that the account meets the FCRA requirements. Currently, I ask that you remove this account. If you dont remove this account, I have no choice but to file litigation and you will be required to compensate me for damaging my reputation and refusing to remove an inaccurate account that you failed to complete a reasonable investigation into. I would appreciate it if this matter could be solved now. 
1. 15 U.S. Code 1681c Requirements relating to information contained in consumer reports. 
XXXX Case Number : XXXX Please provide a detailed documentation if not please remove it in my credit report. 
Thank you for your time and help in this matter.