davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2022-11-28
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 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-04-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

Request for Refund : NAVIENT STUDENT LOAN # XXXX. 
Violation of US Bankruptcy Court Discharge OrdeXXXX # XXXX. 

In XX/XX/XXXX, XXXX XXXX applied to Sallie Mae for a student loan which was granted. 
XX/XX/XXXX, XXXX XXXX filed for bankruptcy protection in the XXXX XXXX XXXX Ohio [ Petition Number XXXX ]. naming Sallie Mae/ Navient as a creditor with a balance owed in the amount of XXXX XXXX, XXXX XXXX and XXXX ( {$41000.00} ) XXXX XXXX XXXX XXXX. 

XXXX XXXX /Navient was served notice of the bankruptcy proceedings [ as a certified unsecured creditor ]. 

XX/XX/XXXX, the bankruptcy was discharged. 
Bankruptcy Court records indicated that Sallie Mae/Navient received a total distribution of XXXX XXXX XXXX XXXXXXXX ( {$160.00} ) XXXX XXXX XXXX XXXX 

Sallie Mae/Navient continues to bill XXXX XXXX and collect principal and interest through the current date of [ XX/XX/XXXX ] XX/XX/XXXX. 

The Second Circuit Court of Appeals [ New York ] [ Case # XXXX, [ XXXX ] filed XX/XX/XXXX ] upheld U.S. Bankruptcy Judge XXXX XXXX refusal to dismiss the lawsuit against student loan servicer Navient Solution LLC for violating the courts prior order discharging a borrowers loan after bankruptcy. 
The court ordered that Sallie Mae/Navient student loans whose borrowers had filed and received a bankruptcy discharge after XXXX, and who had listed Sallie Mae /Navient as creditors XXXX Loans must be discharged as stated in the bankruptcy order. 

XXXX XXXX filed for bankruptcy protection in XXXX and listed Sallie Mae/Navient as a creditor owning a total of {$41000.00}. 

XX/XX/XXXX, the U.S Bankruptcy Court of XXXX Ohio granted and discharged the petition. 

Although Navient/Sallie Mae received a portion of the distribution from the Trustee, as a final settlement, Navient continues to bill XXXX XXXX for Principal and Interest. 

The 2nd, Circuit [ NY ] stated that in the decision, penned by Circuit Judge XXXX XXXX and joined by Judges XXXX XXXX and XXXX XXXX, the court agreed with the bankruptcy courts finding that the language of the " educational benefit '' provision is an unconventional way to discuss a loan. The court said that if Congress intended to protect all educational loans from discharge, it would not have done so in such stilted terms. 

Therefore, XXXX XXXX is requesting a full refund of the total amount of {$41.00}, XXXX that was owed on XX/XX/XXXX, the time of his bankruptcy discharge. 

A response is required within Twenty ( 20 ) days of this date. 

Respectfully Requested and Submitted. 

XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Office ) XXXX ( direct )
Consumer complaint received 2024-03-25
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. (FL)

I hope this letter finds you well. I am writing to express my deep frustration and disappointment regarding the repeated unsuccessful attempts to remove fraudulent items from my account. This ongoing issue has caused me significant distress and financial hardship, and it is imperative that we address it promptly. 

I want to emphasize that I have diligently followed all the prescribed procedures outlined by your company for reporting and removing fraudulent items. However, despite my repeated efforts, the issue remains unresolved, and the fraudulent items continue to impact my account. 

I kindly request that you take immediate, decisive action to investigate and rectify this matter. I expect a prompt response outlining the specific steps your company will take to address the issue, as well as a clear timeline for the resolution process. Additionally, I strongly urge you to review and enhance your security measures to prevent similar incidents from occurring in the future. 

Failure to address my concerns satisfactorily and promptly may leave me with no choice but to escalate this matter further, including seeking legal remedies and notifying relevant authorities about the fraudulent activities associated with my account. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX
Consumer complaint received 2024-04-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

Hello, I am writing to formally demand the immediate removal of a lien purportedly held by Select Portfolio Servicing , Inc. on the property at XXXX XXXX XXXX XXXX, XXXX, Texas, XXXX. This lien, associated with a loan from my late husband, XXXX XXXX XXXX, bearing Account # XXXX, has come under scrutiny due to significant discrepancies in the provided documentation. 

It has been brought to my attention that the documentation supporting the aforementioned lien lacks substantial proof of validity, casting doubt on its legitimacy. Notably, fraudulent signatures not properly validated by a notary have been identified, alongside a failure to serve the lien affidavit promptly as required by Texas law. 

Furthermore, I must emphasize that Select Portfolio Servicing , Inc. has a documented history of predatory lending and fraudulent practices. This context underscores the critical importance of ensuring the validity and legality of any liens purportedly held by the company. 

Despite repeated attempts, your company has consistently refused communication with the Executor of the Estate, as specified in my late husband 's will. This refusal to engage with the rightful representative of the estate has compounded the distress and inconvenience caused by the unwarranted imposition of this lien. 

I hereby demand that Select Portfolio Servicing, Inc. promptly remove the aforementioned lien from the property title. Failure to do so within a reasonable timeframe will compel me to pursue legal action to enforce the removal of the invalid lien and seek appropriate remedies under the law. 

Given Select Portfolio Servicing, Inc. 's history of predatory lending and fraudulent practices, I reserve the right to pursue claims for damages and fraud under the Texas Deceptive Trade Practices Act ( DTPA ). This includes damages for aggravated identity theft, pain and suffering, harassment, and any other complaints not mentioned in this notice. 

Furthermore, I am deeply concerned by the unauthorized withdrawals totaling over {$29000.00} from my account by your company. This matter will also be addressed as part of the legal proceedings should the lien not be promptly removed. 

I trust that Select Portfolio Servicing, Inc. will take immediate action to address this matter and remove the invalid lien without further delay. Please confirm the lien 's removal and any associated documentation at your earliest convenience. 

Thank you for your prompt attention to this urgent matter. I anticipate a swift resolution. 

Sincerely, XXXX XXXX, Owner of XXXX XXXX XXXX XXXX, XXXX, Texas.
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (FL)

Dear equifax I see information that on my consumer report that is result of identity theft. I did not provide any written permission or instructions for this account to be reported on my consumer report .I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material representations of fact by the relevant to the request to block the identified account. This account and transaction is not information related by me the consumer. XXXX XXXX XXXX Account number XXXX Down below I attached all supporting documents my drivers license my social security and my identity theft form. Thank you
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

This account has been resolved and has a - $ XXXX balance. It has been paid off with XXXX. Any questions can be referred to their attorney XXXX XXXX at XXXX This was for a XXXX credit card. 

Please show the account closed with a $ XXXX balance as this has been resolved with XXXX.
Consumer complaint received 2023-03-16
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)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-11-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: NAVY FEDERAL CREDIT UNION (NC)

On today, XX/XX/XXXX at XXXX XXXX XXXX I contacted Navy Federal Credit Union about my current loan and credit card payment that is past due. I inquired about getting assistance, and I was told that they could not provide me with any assistance until they reviewed my account again on XX/XX/XXXX ( it was posted on their app that they could provide assistance if I had a hardship since I was behind on both of these payments ). The previous time that I called, which was earlier this month, they werent able to provide assistance either. I have also inquired about reducing my monthly payments as I had over a year ago, and they told me that there was nothing that could be done on their end, that I needed to find another part time job or contact my other creditors to see if they could help ( in which they wont ). The only assistance they have offered me was just an extension, which does not solve the problem at all. I have stressed to them months past about this situation because I am on a different income and I can not afford to pay the amounts that they are giving me to pay because it would interfere with other bills that I have to pay, but they dont care, and its causing me more stress than I need.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (WI)

I attempted to close my Wells Fargo checking account. I emptied the account. They decided to charge me a " monthly service fee '', which pushed the account into the negatives. I called to try to close the account, but they would not close the account because it is in the negatives. Now they are XXXX me with an overdraft fee.
Consumer complaint received 2015-08-24
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

The company called up and said they were an 'investigator ' and needed to discuss my court date over their legal pending action against me. As I just received my credit report and know there is nothing on it the company is clearly trying intimidation tactics to collect old noncollectable debts.
Consumer complaint received 2023-07-15
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions Reported XX/XX/2023 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MS)

On XX/XX/2014 I purchased a XXXX gift card at XXXX for {$500.00}. I also purchased a XXXX gift card at XXXX for {$500.00} the same day. Both cards fail to work when I try to make purchases in stores. I have tried multiple times.I also tried to use the cards to purchase items from XXXX. The cards are not working. When I checked the balance online by entering the information at Vanillagift.XXXX, one card just gives me an error message. The other card shows a {$500.00} balance. 

When I call Incomm to get this resolved, I am placed on a long hold. The representatives I speak with have a heavy XXXX accent, making it very difficult to understand them. They always tell me to try the card again. They don't want to replace the card, and they will not provide a refund.
Consumer complaint received 2024-04-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (FL)

THIS IS MY XXXX ATTEMPT at trying to get this company to cash my check payment ON TIME!!!! They are messing with my payment history and credit. I have had a GM Financial loan for many years. I have always paid by check. I have mailed my check on time for XXXX years - never missed a payment or was late - all by check. This is the XXXX time now- I called GM in XX/XX/year>, they told me to try mailing my payment to the overnight address, which I now have done- but they now are playing the same game of not cashing it on time. It's due today, I mailed my check to them over two weeks ago. They lie and say they never received it. This is my credit, this is my life they are messing around with. 
This company is not trustworthy - I will not give them access to my banking info. I have dealt with identity theft, fraud, and had too many fraudulent experiences in my life to know this is a shady company who lies and won't take accountability for their negligence. I do not want negative marks on my credit report stating I had late payments ( or grace period payments ) because they won't do their jobs. This is inexcusable. CFPB - will you please hold GM Financial accountable and set some higher punishable laws for their negligence. This is the XXXX time they did this in less than one year. The trust pilot and XXXX  reviews on this company speaks for itself of their negligence and unethical ways of doing business. I have written 5 other checks this month to 5 other businesses- they were all received and cashed just fine. GM Financial needs to be help accountable.
Consumer complaint received 2022-11-14
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX account 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 a account without my written instructions
Consumer complaint received 2022-11-14
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: Experian Information Solutions Inc. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/2022 -XXXX XXXX XXXX XX/XX/2022 NEGATIVE ACCOUNTS : -XXXX XXXXXXXX XXXX -XXXX XXXX XXXXXXXX 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.
Consumer complaint received 2023-04-10
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting ACT XXXX account number XXXX has violated my rights 15USC 1681 Section 602 H States I have the rights to privacy.

15USC 1681 Section 604 A Section 2 also states that The Consumer Reporting Agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-14
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. (TX)

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # 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 2022-11-21
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX US DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3900.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance XXXX {$2300.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

.
Consumer complaint received 2024-04-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA (CA)

On XX/XX/XXXX, my car was totaled and Hyundai Motor Finance ( HMF ) provided an inaccurate payoff letter to my insurance XXXX on around XX/XX/XXXX. It was inaccurate as the amount did not include an extended warranty refund that was cancelled prematurely and without my consent. I contacted the dealer on around XX/XX/XXXX for cancellation of the warranty but more information was needed from me- which I had not provided yet as I was waiting for the account to be paid off before submitting the paperwork ( which took place only a day or two later ). Despite multiple requests to HMF for a corrected payoff letter, HMF refused to provide one, further delaying the resolution of my claim. 

Furthermore, on XX/XX/XXXX, HMF helped themselves to an extra {$700.00} from my new cars account for a payment that wasn't due until XXXX, and before a statement had even been generated, causing further financial strain. 

I contacted HMF XX/XX/XXXX for refunds for both the {$1700.00} for the warranty cancellation, and the {$700.00} overpayment. I received the {$700.00} overpayment, but was advised that the {$1700.00} was sent to the wrong location - despite confirming my address twice on the XX/XX/XXXX call. 

Despite numerous attempts to resolve these issues, including contacting customer care and speaking with several managers, I have yet to receive a satisfactory resolution or my money. Instead, they have refused to assist, and passed the responsibility onto other organizations, including my insurance company. This is money that HMF owes me, and the lack of urgency, accountability, and assistance from HMF has left me frustrated, disappointed, and in financial strain due to their service.
Consumer complaint received 2023-07-14
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX