davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-14
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)

I sent a letter last XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., permission. 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 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 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

XXXX unable to view my credit report online or through the Experian app, I called numerous times and they said its because someone delete my address from my file, I sent all the information they requested numerous times to update my address, and its been months and every time I call they said its going to take XXXX to update and its been months. Theyre reporting inaccurate accounts on my credit and also deleted my XXXX  XXXX account thats in good standings and they fail to put it back saying its not them its XXXX XXXX and XXXX XXXX verified that theyre reporting to all XXXX bureaus on the XXXX of every month. My credit fell over XXXX points when they deleted the account.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, 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. (MI)

I am writing to assert my legal rights as a consumer. Many inquiries on my report are unauthorized and illegitimate. I have not given consent to these companies to access my report and they are doing harm to my right to liberty and my 4th amendment rights. This is a violation of my privacy and the 15 usc 1681 I request the all inquiries not associated with an account be removed
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: PNC Bank N.A. (CA)

The day before yesterday, I received a PNC BANK debit card that I didn't apply for by mail, so I think someone stole my personal information and opened an account on PNC BANK. So, I made several phone claims to PNC Bank, but they didn't accept my personal information wrong, so I'm so worried that I'd like to report it. Debit card # XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IL)

This is my second complaint for the same thing. Nelnet lied to me and coerced me into consolidating my loans and losing my Parent Plus status, voiding my ability to pay the loan back under any the new SAVE plans and losing my ability to be in deferment till my child finishes school ... as he is still enrolled. 

Instead they encouraged me to consolidate, advising me it would make the loans easier to handle and pay ... but never once telling me the consequences and how they would adversely affect me. They did this on purpose, there is no way this is not a predatory act.
Consumer complaint received 2017-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

My loan was sold to Ditech Financial LLC. I have been trying to change my payment back to every other week from monthly. Although they state offering this service and have a corresponding form, they continue to reject my request and can not tell me the correct start date I need to put on the form with the appropriate day of the week for approval. They continue to reject the form stating I need a different start date or day of the week for the biweekly payments. They also requested that I pay an additional month in advance -- but instead of applying this to the biweekly payments- they took the money off of the balance of the loan and are now again requested an additional payment. Today I called their help number, but their computers are down and they ca n't see my account. Dealing with Ditech is like going to a dysfunctional circus. They will not benefit from me paying of my loan sooner -- therefore they are making the process very difficult.
Consumer complaint received 2022-11-01
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. (GA)

Credit reporting agencies, they are refusing to do a proper investigation, Pursuant to 15 usc 1692 ( g ) also these agencies have Traffic my personal identifying information, according to 18 usc 1028 ( 12 ) ( a ) ( b ) By law I have a right to privacy, according to 15 usc 1602, I have a right to the pursuit of Life, Liberty, and happiness,
Consumer complaint received 2017-05-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

For sometime now, have made payments before which they state were never received, but have bank statements totaling over {$1000.00}, that I have repaid, they stated the invoice # that I had gotten from their employee were none existent, plus when I have put my loans on forburance they continue to call my harrass my co-signer, we were also miss lead about our private loan, did not know that it would be a never ending story, was ahead on payments, they kept changing my due date, how I ended behind?, then was unaware that my payments do not even make a dent on my my private loan, I am currently  XXXX  w/a   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   had a  XXXX  that   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , even after  XXXX  am   XXXX    XXXX , I have  XXXX ,  XXXX   XXXX   XXXX , constant   XXXX   XXXX  , a   XXXX   XXXX   XXXX   XXXX   XXXX   in my   XXXX   XXXX   XXXX  , I also have  XXXX  of my   XXXX   XXXX   that   XXXX   XXXX    on me @  inconvient times, I  have told the to send me paper work due to my  XXXX , they kept giving me the run around  &  wanted to have a friend who has been helping me for a while to make the payments, my co-signer also has been harassed even when I asked them not to call him during his difficult time when his wife was ill with a  XXXX   XXXX , it has been a long horrific experience, I finally got fed up & had to make a complaint, I had asked them before to look into the $ that they stated I had not paid, but had bank records of & they just kept giving me the run around as well, ...
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, 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. (AL)

I checked my credit report profile on my XXXX time to time and I notice an update on my account that I do not recognize that is why I am reporting that accounts are not mines and should be investigated furthered and remove from my credit profile thank you
Consumer complaint received 2023-02-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

Bought my home at XXXX XXXXXXXX XXXX  XXXX XXXX NV XXXX in XXXX Financed by XXXX XXXX XXXX of New York. 
In XXXX I had a rep from Wachovia   come over to offer a refinance, I did not except the offer the tried to give me an adjustable loan. I said only a fixed loan with my insurance would do. He said he would be back with the changes, I never saw the Wachovia rep again. 
About 30 days later I received a check for {$50000.00} dollars, I contacted a real estate attorney and said I didn't accept the offer he said to contact Wells Fargo, They had no information, about 30 days later I received my title to my home, a 1st and 2nd title from XXXX XXXX XXXX they said they had no information on who the title was to be sent to so they sent it to me thanking me for paying off the loan and having a on time payment history and to put the titles in a safe place. I also filed a warranty deed. 
Wells Fargo called and said they want my home but have know documents or information on my home. 
My attorney said my home was mine that the banks where having a feeding frenzy and gave me a gift. 
At this time Wells Fargo, Wachovia and an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and that's when Wells Fargo took over Wachovia mortgage as well as Wachovia had lost most titles, In XXXX a lady cam to my door and said she bought my home in a auction. 
I told the lady I have all my titles to my home. I went to the recorder 's office to pull the paper work and the documents Wells Fargo filed to steal my home were blank documents stamped by a notary by the name XXXX you. Wells Fargo also produced a manuscript explaining to their reps on how to steal homes. I have all my documents and every paper on my home. I want {$750000.00} dollars for the crime they committed all the money I paid all the marble work in all 3 bathrooms and all the pain and suffering they caused my family, and at {$750000.00} dollars they still made XXXX  on my home. Thank you for your concern
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: William D. Meeker Enterprises, Inc. (MS)

I received and unauthorized inquiry on my credit report from CIC Credit XX/XX/XXXX and XX/XX/XXXX and I immediately disputed the inquiry with CIC Credit by filing a report. Over a year past and I never received a phone call or email. I decided to call them back on XX/XX/XXXX to dispute this inquiry again and I was told by a representative XXXX XXXX that the person that take my information for the report was no longer there so I would have to make another report. I have enclosed a copy of the report made made XX/XX/XXXX which I never received any feedback.So a year past with this inquiry on my report because of CICs error of filing my report. 

I was later told that the end users made the inquiry and that I authorized it, which I did not authorize a credit pull. The document that was sent to me by CIC Credit has no signatures or initials of my authorization, which I did not give anyone written or verbal permission to pull my credit. CIC was unable to provide valid documentation of verbal or signature authorization of any credit inquiries. 
I explained to CIC Credit that the company told me that it was a soft pull only as stated in an email and that it would not hurt my score. CIC Credit still hold firm to not remove it as I was told by rep XXXX XXXX stated regardless of the evidence I provided to them and I have enclosed in the letter. 

Please remove all inquiries from CIC Credit from my credit report as I have provided adequate documentation to CIC Credit regarding this unauthorized inquiry. They were not able to provide sufficient evidence of documentation from me neither signed or verbal to authorize this inquiry. Therefore this inquiry is in total violation of FTC laws and guidelines. 

I have enclosed documents related to this matter. 


I am requesting that the following inaccurate items be immediately investigated. 
Please delete this misleading information in order to show my true credit history. 
By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record. 

Also, pursuant to USC s1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me when the items have been deleted. You may send an updated copy of my credit report to the address below. According to the provisions of 15 USC section 1681j, there should be no charge for this notification.
Consumer complaint received 2022-11-22
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. (LA)

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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  Bankruptcy XXXX XXXX XXXX
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, 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. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-06-25
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

I am very disappointed and concerned with XXXX XXXX XXXX. My past employer of mine had rolled over my XXXX account to XXXX  due to the amount on my account. I started a new job with a 403b with XXXX and thought it would be a good idea to just roll the XXXX account to my new 403b. I contacted XXXX and they sent out the check so I can send this to my new 403b. I requested in XXXX and I did not get it in the mail ( note i never had issues with my mail as I received notification from XXXX before ). I reached out and they recommended I do a replacement so I did early XXXX. I waited another 7-10 business days for this just to find out when it did not come the second time - someone fraudulently cashed out this check. This is suspicious and confusing how this could have happened. I wish they initially offered a tracking number for the mail sent to me in the beginning of this situation and not make it a guessing game. This is scary and frustrating as I just wanted a simple transfer to my new retirement plan. I have still been in contact with a representative with XXXX, but I have low confidence in this company and I hope this is resolved as soon as possible. The Bank XXXX used was FIFTH THIRD BANK.
Consumer complaint received 2023-02-02
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. (NY)

the credit bureaus stated that my account was properly investigated this can not be fact at as as the account listed are all reporting inaccurate across all three bureaus. 
15 USC 1681 section 602 A. states i have a right to privacy 15 USC 1681 section 604 A section 2 : a consumer reporting agency can not furnish an account with out my written permission 15 USC 1681e compliance procedures 15 USC 1681b accuracy of report when ever a consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to assure that maximum possible accuracy of the information concerning the individual about whom the report relates, 15 USC 1681a ( 5 ) if any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item is found to be inaccurate or incomplete or unverifiable the consumer agency SHALL promptly delete that item from the file of then consumer these accounts are all being reported wrong across all three bureaus account name : XXXX XXXX XXXX account number : XXXX  account name : XXXX XXXXXXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX  account number : XXXX account name : XXXX XXXX account number : XXXX these accounts have been disputed and re disputed with no change or fixes to my report under the laws that govern these credit bureaus my rights as a consumer have been greatly violated
Consumer complaint received 2022-10-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX XXXX my bank account with Capital one Bank was closed WITHOUT ANY PRIOR NOTICE that I was being investigated and in jeopardy of having my account closed. They tell me that the sent a email on XX/XX/XXXX but I did not receive any email from them regarding this matter. 
I was a member of this bank for over 15 years and am very upset at this happened. I am more upset of the lack of care and notice that was given to me. I am a retiree who only receives a monthly check that does not fulfill all of my monthly cost. With the way that this matter was handled by Capital one I was unable to pay my XXXX bills nor purchase food. I know that I will eventually receive my funds, but Capital one has blocked me from my money until they mail it to me and can not give me any indication of when that will be. This in inhuman. I have done nothing wrong but I am being treated as nobody. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and Capital One Bank has made me feel extremely violated. 
I am not sure what can be done, but I needed to report this treatment. 
Thank you for your assistance.
Consumer complaint received 2022-10-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Global Credit Union (AK)

A major bank in Alaska called Alaska USA federal credit union e mailed all their members a new policy with predatory over draft fees. 

In the e mail it says members will be charged {$25.00} per over draft and will continue to charge an additional {$25.00} per day until its paid off. 

I called the bank and spoke to a manager and confirmed these fees are the new policy and will be enforced no matter the situation even if a members card is stolen or a bank error This is by far the most extreme fees Ive ever seen in my life and it must be stopped.
Consumer complaint received 2022-11-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I sent a certified letter addressed to Experian dated XX/XX/22 and received by Experian on XX/XX/22 ( Attached ). In the letter I requested that Experian provide me the " NAME AND ADDRESS '' of the company it contacted to validate the " COMPLETENESS and ACCURACY '' of a reported bankruptcy record on my consumer file. In its response on XX/XX/22 in report # XXXX Experian stated that " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' In my letter I clearly did not request for a verification, but a " VALIDATION '' based on the report it received from XXXX XXXX ( Data Furnisher ). In my dispute I provided Experian with a report and statement from XXXX XXXX which clearly shows " NO BANKRUPTCY '' in their database. I have attached this full consumer report from XXXX XXXX to this complaint. In addition, I have attached a letter from the Bankruptcy court certifying that they did not report any filings to Experian. Experian is clearly using " UNVERIFIED '' " INACCURATE '' and " INCOMPLETE '' information it has allegedly obtained from XXXX  ( a public database ). I have disputed the information obtained from XXXX and therefore according FCRA 15 U.S. Code 1681i, Experian must complete a full investigation. In Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax the court ruled that CRA 's can not merely " PARROT '' Information and that it must conduct an Independent REASONABLE investigation. Based on the facts provided. I am demanding the removal of this bankruptcy record from my credit file due to Experian 's failure to conduct a REASONABLE investigation by contacted the court and or data furnisher for the " Completeness and Accuracy '' of this record. Experian has refused to provide me with the " Name and Address ' '' of the company it contacted as required by FCRA law. Experian continues to use " TEMPLATE '' responses to avoid having to provide " FACTUAL '' proof of evidence. I am not requesting a " RE-INVESTIGATION '' I am demanding the removal of this record solely on the evidence presented. Experian HAS NOT communicated by US Mail in an attempt to AVOID being held liable for its lies.