davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
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)

15 U.S. Code 1681e - Compliance procedures ( ACCURACY OF REPORT ) 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. produce all documentation everything associated with account Produce original contract and auction receipt payment insurance loan insurance XXXX XXXXXXXX
Consumer complaint received 2023-04-26
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. (PA)

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 2023-11-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Local Management, LLC (SC)

This company keep coming to my home looking for a family member ( XXXX XXXX ) that who do not live at my residence and according to the lady I spoke to the individual received their services while staying here, which is inaccurate. That individual never lived here even if they did they do not live here and I request they stop coming leaving letters after letters on my door please
Consumer complaint received 2018-05-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (OR)

On XX/XX/XXXX I received a notice from the IRS dated XX/XX/XXXX proposing changes to my XX/XX/XXXX tax return as they received Cancellation of Debt from PNC Bank National Association. 
On XX/XX/XXXX I spent countless hours on numerous phone calls with PNC Bank about the XXXX. I was given the complete run around and told the loan was so old it was no longer in their system and could not access it or give me a copy of the XXXX. 

I feel PNC Bank dropped the ball and failed to comply with RESPA and the Fair Debt Collection Practices Act. Especially, since it was during the time of the mortgage crisis. 

The XXXX that was issued is from a home equity loan that myself and my ex girlfriend XXXX XXXX XXXX took out that originated in XX/XX/XXXX for {$27000.00}, with XXXX XXXX XXXX, Doc # XXXX. 
XXXX and I ended the relationship in XX/XX/XXXX and I moved out of the subject property. XXXX continued living in the home with her new fianc and made no contact with me until XX/XX/XXXX asking that I give up interest in the subject property as she was now married and her and her Husband were both living in the home. I conveyed all interest in the Property via quit claim to XXXX XXXX XXXX. I signed the quitclaim Deed on XX/XX/XXXX. It was recorded XX/XX/XXXX in XXXX County, Document XXXX. 
After I received the notice from the IRS I was able to get copies of court documents within the last few weeks and found out that a Notice of Default and Election To Sell was recorded XX/XX/XXXX in XXXX County, Document # XXXX as XXXX defaulted on the mortgage loans in XX/XX/XXXX. The Trustees Sale occurred on XX/XX/XXXX in XXXX County, Recorded XX/XX/XXXX, Document XXXX, a forcible entry detainer was filed XX/XX/XXXX to evict XXXX from the home, and she filed a lawsuit on XX/XX/XXXX against XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX   XXXX for a wrongful foreclosure claim. The case was dismissed by the courts.
Consumer complaint received 2023-11-18
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. (MS)

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. 

XXXX XXXX XXXX : XXXX, XXXX XXXX  : XXXX, XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-18
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: EQUIFAX, INC. (PA)

XXXX XXXX changed of two different accounts on my credit report. Ive have called this company numerous of times about this fraudulent accounts and they keep telling me these accounts are accurate. They have sold these account to two different debt collectors but XXXX XXXX XXXX and XXXX  XXXX XXXX is still shown on my credit report. They are violating my rights using 15 usc code 1681 to a fair and accurate credit reporting.
Consumer complaint received 2023-04-15
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: Experian Information Solutions Inc. (IN)

I AM WRITING TO DISPUTE THE FOLLOWING ACCOUNTS. I DID NOT OWE THIS DEBT AND IT DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE. PLEASE REMOVE THESE ACCOUNTS AND SEND ME AN UPDATED COPY OF MY REPORT AFTER THE INVESTIGATION.
Consumer complaint received 2023-11-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I had a total of nine charges, nearly amounting to {$800.00}, which were fraudulent and made using my card in XXXX, CA, and XXXX, DE. Strangely, these charges displayed only a string of numbers ( e.g., XXXX... ) with no merchant names. After disputing these charges with Wells Fargo, they initially closed the claim and promptly issued a refund within a week. However, a few weeks later, Wells Fargo sent me another letter asserting that their investigation was concluded, and they confirmed that I made these charges with my card and PIN, even though I've never been to those locations. When I tried to dispute this, it took over 3 days of being on hold multiple times with no response. Finally I was able to speak with a Wells Fargo rep and they insisted that the charges were made by a company I had used before, and they refused to reconsider their decision, abruptly ending the call and suggesting I file a police report. Frustrated, I contacted the company they claimed was responsible for the charges, but they had no record of any such transactions. I have no way of disputing these charges Attached are the fraudulent transactions from my account and my correspondence with the company XXXX clearly stating that they do not have record of these transactions
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Exeter Finance, LLC. (PA)

Exeter finance deleted from XXXX but did not delete from XXXX or XXXX Once an account gets charged off you can not keep that on my credit report for that is income to the irs once they send the 1099c cancellation of debt form from that creditor. 15 usc code 1681
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. (MI)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-11-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (FL)

I contacted Great Lakes regarding my Bankruptcy and that I was ordered into repayment of $ XXXX because of the student loans which I have been paying for several years and Great Lakes is also wanting to me to repay them also the $ XXXX. 
I sent Great Lakes the Bankruptcy Order of repayment. My student loans with Great Lakes were put into Default and now sent over to Nelnet and I must set a up a payment schedule. 
I am still paying the court order bankruptcy repayments as ordered by the Bankruptcy Ordered to pay off the Student Loans. However, by setting up a payment scheduled payments with Nelnet I would be paying double the amount. 
I Filed Bankruptcy in 2015 here in district of XXXX of Florida and submitted my repayment and court ordered repayment to Great Lakes a couple of years ago and to date have never received any response. I have also talked to them on the phone a few years ago and they have told me that as far as they were concerned, they have no records of the bankruptcy, and I must repay all student loans. 
I also enrolled at XXXX University Online under the guise that I was taking courses for XXXX and XXXX XXXX and that was not the case. After many inquiries after a couple of years of them telling me to continue taking classes and the classes would get to the XXXX XXXX and XXXX one person finally told me they did not offer XXXX XXXX and XXXX at their college. They deceived me and signed me up for courses I was not interested in and beyond my scope or educational background.
Consumer complaint received 2024-05-06
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (CA)

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit schools such as the one I attended, XXXX XXXX XXXX XXXX XXXX 

As a matter of fact, XXXX XXXX XXXX and their Parent company, XXXX were investigated by the Attorneys General of several states and have been found to have acted in a fraudulent manner. 

Due to the numerous claims of fraud and misconduct perpetrated by XXXX XXXX XXXX XXXX XXXX XXXX has just announced a blanket discharge for anyone enrolled at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 

My Federal loans in the amount of {$65000.00} plus interest were XXXX via the XXXX XXXX XXXX XXXX XXXX case but were eligible to be XXXX under the XXXX XXXX  recent actions as well. 
I am aware that Navient was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. 

These private loans with a high risk of default were part of a package deal offered to " for profit schools '', but loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. 

I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit schools. 

After the XXXX settlement, didn't Navient also get out of the XXXX student loan business due to scrutiny from lawmakers and borrower advocates? 

Didn't Navient have to pay restitution to the XXXX student loan borrowers for not informing students of XXXX XXXX XXXX could have enrolled in, but instead steered toward forbearance? 

Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 

I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed XXXX XXXX claims against their schools and were approved. 

This application is a sham. 

Why do we need to prove anything? Navient knows who we are. 

Under the FTC " XXXX XXXX '' Navient is liable for giving predatory loans in connection with online for-profit schools. 

XXXX is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 

XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW! 

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 2023-04-26
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (DE)

My escrow amount changed on XX/XX/2023. 
for my truist mortgage my mortgage amount went from XXXX to XXXX I pay on auto draft. 
I didnt realize the change. 
I made my same payments {$1500.00} on time every month and the extra monies that were due for my new escrow were pulled from my flush escrow balance until XXXX. 
In XX/XX/2023 I got a phone call from Truist saying that I owed a larger amount so I made a payment {$1600.00} that I understood the difference to be. 
In XXXX I auto paid {$1500.00} amount and in XXXX I auto paid XXXX but I got a call about the differential. 
I was on the phone with the bank for 1 hour and got confirmation of my new amount. 

It was also my understanding that I had a {$25.00} dollar offset. 
So I paid an additional {$25.00} in XXXX In XX/XX/2023 I made the new payment of XXXX. 
I got a letter from my bank saying I never paid XXXX. 
I called them right away because I had the cashed check. 
They said they didnt apply the balance to XXXX/ that they held it in credit because it was {$5.00} dollars too short. 
they reported me to the credit agency
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AL)

Company does not adhere to Fair Credit reporting Act. 12 CFR 1022.142 - Prohibition on inclusion of adverse information in consumer reporting in cases of XXXX XXXX XXXX in regards to XXXX XXXX  ( C ) Is of a signed statement by the consumer attesting that the consumer is a vXXXX XXXX XXXX if such statement or an accompanying document is signed or certified by a representative of an entity described in paragraph ( b ) ( 6 ) ( i ) ( A ) or ( B ) of this section.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX XXXX XXXX XXXX  account # or reference # XXXXXXXX XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX ending in account # XXXXXXXX XXXX XXXX XXXXXXXX ending in account # XXXX 15 U.S.C 1681 Setion 602A states I have the right to privacy.

15 U.S.C 1681 Setion 602A also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-11-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (IL)

So I have been trying to reach out to Nelnet for the past XXXX weeks and I have not been getting anywhere with Nelnet every time I called their customer service, I've always been on Hold for over an hour just to get through them. It's just impossible for me to get through, I try to access the account information online with a user named password. They told me that my information can not be confirmed or verified. I tried the automotive system. The automated system will not takemy social security number or date of birth. It says that information does not match either. So what I'm trying to find out is how can I go out about making payments or see if I can even afford to make payments? Because you are asking close to {$3000.00} on my monthly payment. Which I can not afford so that's my complaint. My complaint is that I can not get through to you guys through the animated system to discuss my account options
Consumer complaint received 2017-05-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (IL)

Because I did not understand the business of interest on my account with HomeDepot I recieved a statement with a balance of  XXXX  and  XXXX  in interest fees attached.The new balance is now  XXXX . This account was for a new roof on my home.i called the  HomeDepot  office and explained that I obviously did not understand the no interest fee. I was told I had to pay {$900.00} rightway or {$430.00} monthly.I explained I was unable to pay either amounts and was overwelmed by the new increase. I was told to call back last tuesday with a solution (  XXXX  ) but a lady from  HomeDepot  called me on monday (  XXXX  ) and told me under the hardship program I would have to pay {$240.00} a month starting  XXXX   XXXX . I did not have to pay for  XX/XX/XXXX We talked for some time and I told her repeatedly that it would be very difficult for me to pay even that amount.I explained that I was a senior on ss and a pension.To make a long story short I asked wh y wasn ; t info rmed of the balance and that I did have a problem with the roof when some of the shingles came off and had to be replaced.She kept telling me how sorry she was for my problem.But this was the only hardship she could offer. I told her I could't believe someone could n't have called me sooner. She kept insisting that I give her a answer for the {$240.00} a month, so I said I would try and pay it.She stated I would not be able to use the credit card and I told her that I would not use the card and not shop at  HomeDepot  ever again. This is the essence of my problem
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (VA)

On XX/XX/year>, I noticed an email from XXXX saying I purchased something with my credit card at a Florida location ( I live in VA ). I immediately contacted Barclaycard to notify them of the fraud and cancel my card. They provisionally credited my account for the disputed transaction. Last week, I received a letter that Barclay had concluded their investigation and determined that the transaction was not, in fact, fraudulent and therefore were charging my account, again. I've contacted Barclay to express my dissatisfaction with this development, but they have not withdrawn the charge. I was not told precisely what Barclay learned to reach the conclusion that my fraud report was inaccurate, but they did mention that XXXX 's ( a national retailer whom I occasionally purchase from, although not this location/state ) had my name, billing address and email on file. The implication was that because I had used XXXX 's in the past, then this transaction wasn't fraudulent. I was told they were opening a new investigation. 

I'm extremely disappointed in the manner in which Barclay has handled this relatively routine problem. I have used credit cards for XXXX years, and over that time had a relatively small ( certainly under XXXX ) number of fraud issues. It is an enormous pain to cancel a credit card and change the number on file with a variety of companies. The notion that I would go through that hassle just avoid a {$300.00} charge at a XXXX 's is laughable. Over the years I've put over {$100000.00} of transactions on this card. Barclay 's " process '' for resolving this dispute seems designed to placate the customer in the beginning, then send them a letter a month later ( that they hope nobody ever opens ) saying " we changed our minds, we think you are lying to us, '' and keep the money. I'm very disappointed in Barclay and in the customer service I've received to date from them on this issue.