davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

First off, I worked very hard to bring my student loans back to a good standing by following through with a repayment plan that got me out of default. I started this plan with XXXX inXX/XX/XXXX and made all of my payments on time. Apparently sometime in XXXX or XXXX XXXX my account was sent to Navient. I was first told by Navient that my payment would continue to be {$17.00} a month which XXXX had previously determined based on my ability to repay with my current income. I was ok with this and agreed to pay the {$17.00}. Fast forward a couple of months to the end of XXXX and Beginning of XX/XX/XXXX I received harassing phone calls and emails from Navient letting me know my payment was past due with a balance over {$500.00}. Shocked, I had no idea why this was so I tried to contact Navient. I was told that I was sent notification that I needed to submit my replacement plan paperwork to figure out what my income based plan would be. I never received that paperwork nor did I ever receive a letter of any kind from Navient. The only contacted me once and that was way back in XXXX XXXX and nothing was said to me about anything I needed to fill out. They gave me no warning when they jumped my payment from {$17.00} to over {$150.00}. I still do not know what my total is a month because I have never received any letter in the mail just threatening collection calls and a threatening email. I understand that Navient is currently in a lawsuit with the CFPB and let me tell you these people at Navient are crooks. I was never informed of my payment change nor was I ever informed that my repayment plan had to be resubmitted despite what they say. I never received any correspondence from Navient related to any reason why my payment would have skyrocketed. Navient are crooks and I will not stop until this issue is fixed nor will I make any payment because it is not a feasible payment. It is about {$130.00} too much a month for me to afford. I will choose food for my family before I pay any money to Navient. This company has and will continue to take advantage of the unfortunate until it is stopped and the CFPB is the only people looking out for the people 's rights.
Consumer complaint received 2023-11-16
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. (PA)

A charge off/canceled debt can not be reported on a consumer report because the IRS considers it as a certificate of indebtness, in other words income. Income was never allowed to be on any consumer report and if it is, it violates the fair credit reporting act. As you can see it is inaccurate. I demand that these accounts are removed immediately. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My XXXX, XXXX XXXX XXXX, and I recently ( XX/XX/23 ) opened a HELOC with XXXX XXXX XXXX XXXX ( Which has then since been acquired by XXXX XXXX XXXX  ). The Bank never sent us ( either via mail or e-mail ) any statement pertaining to any outstanding balance. 

I later found out that we were XXXX  days late on payment from the Credit Bureaus. We immediately contacted the bank ( now XXXX ). They informed us that these statements had been deposited to our online access space, of which I was unaware as the XXXX XXXX XXXX XXXX had been acquired by BMO and they were still transitioning to a new " unfamiliar '' user interface. 

Suffice to say that I paid the outstanding balance the same day and put the future payments to " auto-debit ''. I have thus far contacted the Bank and even my relationship XXXX, XXXX XXXX XXXX, but to no avail. We have never ever been late or defaulted on any Bank obligation thus far and I find this instance and lack their response to our concerns rather malicious.
Consumer complaint received 2023-12-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY (WA)

Back in 2015 Wells Fargo home mortgage refused to modify our home loan even though we had submitted documents and this refusal cost us our home to foreclosure. Wells Fargo recently sent us a check for {$200.00} for any wrong doing and this is a slap in our faces as the bank is admitting an error was made as i would life to receive a fair compensation for the mistakes that was made
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Certified U.S. letters and supporting documentation were sent to XXXX, XXXX, and TransUnion credit agencies ( Dated XX/XX/2023 ), disputing several inaccuracies and incompleteness of information on my consumer report pertaining to a Factual Dispute ; listing all the inaccurate reporting done on XXXX XXXX Student Loan accounts. I explained in detail what those inaccuracies were, and how I wanted this matter resolved! I requested that this matter be thoroughly investigated, that the credit agencies follow the guidelines established by the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ) ; and that these inaccuracies be removed/deleted from my consumer report immediately. 

On XX/XX/2023, I received notice via email that my dispute results from XXXX were in ( Report XXXX XXXX ). When checking these results, the notification says " Updated '', but when I checked my consumer report online... NOTHING HAPPENED TO THE ACCOUNTS I REQUESTED TO BE REMOVED/DELETED.. Nothing was updated by removal/deletion...
Consumer complaint received 2023-11-16
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX FUNDING Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a 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 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account had an outstanding balance of approximately {$370.00} ; XXXX payments from being paid off. This card was issued by XXXX XXXX, phone number ( XXXX ) XXXX via XXXX XXXX. My account was in good standing and closed once I made the final payment of {$370.00}. During this before I made the payment my bank account was compromised and I had to resolve that matter before I could pay my bill. During this time I notified XXXX XXXX of the situation and was instructed that my account would remain in good standing due to the extenuating circumstances. When my bank account compromise was resolved I made the payment in-full and thought all was well. Then I received a notification that my credit score had changed, so I'm excited because I just paid off this card thinking my score had increased. Much to my dismay, my score was negatively impacted due to negative reporting my XXXX XXXX. This was a total contradiction from what I was told was going to happen. I didn't work hard all my life just to have my credit ruined by some greedy corporate XXXX XXXX guy that has a silver spoon in his mouth from birth. I've served my nation and was taken aback by how XXXX XXXX treated me and I will never deal with XXXX XXXX!
Consumer complaint received 2023-04-22
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: Experian Information Solutions Inc. (FL)

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. 

Account name : XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX Account number XXXX, XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number 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 a 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 2023-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

Account name : XXXX XXXX XXXXccount number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX Account number XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number 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 a 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 2023-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Report Act 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.

I don't Owe this creditor.
Consumer complaint received 2023-03-24
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. (TX)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

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 2023-12-04
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. (NJ)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 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 2023-07-10
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: Experian Information Solutions Inc. (FL)

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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX MXXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filing this dispute today as TransUnion has violated FCRA laws in regards to a collection account on my credit report. 


I first disputed this " XXXX '' collection account with TransUnion via mail on XX/XX/2023 ( attached and labelled as XXXX ) and on or before XX/XX/2023 TransUnion deleted the account ( see credit reports attached labelled XXXX & XXXX ) as seen in the reports attached, the account is no longer reporting on the report dated XX/XX/2023. 


Then sometime between XX/XX/2023 and XX/XX/2023 TransUnion placed the account back onto my consumer report ( see report attached labelled XXXX ) without giving any notice whatsoever, let alone the 5 days written notice as required by the FCRA. 


On XX/XX/2023 I sent TransUnion a letter bringing this violation to their attention via certified mail ( see attachment labeled XXXX  ), which they received on XX/XX/2023. 

TransUnion did not send me any response to this dispute/notice, only a credit report stating the account is verified as accurate, completely ignoring the fact that they illegally added back a deleted account from my report. 


I am requesting that this account be removed from my report immediately. 

If not, I am ready and prepared to take legal action against TranUnion for the violations they have committed and continue to commit. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-12-04
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: Experian Information Solutions Inc. (OH)

All of these inquiries were not done by me and I have filed an identity theft report to the ftc. I request all these inquiries be deleted from my credit report immediately by law you have 10 days from this complaint to remove. 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 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 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 2023-04-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

I opened a high yield savings account with Citibank online banking in mid XX/XX/XXXX. I made several deposits into the account quickly therea! er. I received a phone call from their fraud prevention department to confirm my identity which I did and I was able to continue with my account. Then, on XX/XX/XXXX I attempted to make a wire transfer from my Citibank account into another bank account, it was denied and I received an error code XXXX stating I was not allowed to proceed due to security reasons. I tried to make an instant transfer of less funds back to the my original bank account where deposits were made to fund the citi account, but again was met with the same error message. I called customer service on XX/XX/XXXX and was told that it was a maintenance issue and to try again the next day. I attempted the transfers again on XX/XX/XXXX and again had the same error message. I called customer service and was routed through XXXX di '' erent customer service representatives who all had di '' erent stories as to why I could not complete the transfer. It ended with the fraud department trying to verify my identity yet again to which they then stated they were unable to verify my identity, even though this verification had previously been completed in order for me to fund the account in the first place. I then spoke to a supervisor who stated the only way to verify my identity would be to wait for a letter. 

I submitted a complaint for this and then on XX/XX/XXXX I received a call from XXXX stating they were the fraud department, verified my account and then unlocked it. They assured me I would be able to make a transfer. I then initiated a wire transfer for {$8400.00} from Citibank to my other bank account and I got an email on XX/XX/XXXX that it was denied and they needed additional info. I called on XX/XX/XXXX and spoke to XXXX from customer service who then transferred me to XXXX from the security team. He stated the transfer was denied and I would have to try again. I then initiated the transfer again and again was sent an email on XX/XX/XXXX that it was denied. I called again on XX/XX/XXXX and spoke to XXXX who stated the transfer would be completed by the end of the business day. The transfer still shows as pending. I called today XX/XX/XXXX and spoke with XXXX who kept asking questions to verify my account and then proceeded to tell me she would be disconnecting the call and hung up on me. I have been recording all of my conversations since XX/XX/XXXX with them. I just want to transfer my money and close this account. Dealing with Citibank has been an absolute nightmare! This is theft!