davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (LA)

Shortly after receiving a " new loan servicer '' letter indicating that XXXX XXXX XXXX XXXX had purchased the paper on my loan, I received the first statement indicating the first payment for loan number XXXX was due on XX/XX/18 in the amount of {$1500.00} ( see attachment " 1st Stmnt '' ). 

In an effort to make the aforementioned payment, and all subsequent payments, online via ACH, I attempted to create an online account with XXXX. However, I was unable to create an online account as the website prompted an error message stating that the account number provided was not valid. I called XXXX XXXX customer service at XXXX to help with account creation problem. The customer service agent told me that a paper check was required on the initial payment and a new account number would be assigned to me granting online access after the paper check submission. I mailed a paper check on XX/XX/18 that cleared my bank on XX/XX/18 ( see attached " cleared check ''. 

On XX/XX/18, I received a statement for XX/XX/18 with a different account number. The statement did not reflect my previous payment 's application towards the principal balance ( see attachment " XXXX Stmnt '' ). 

I have made seven ( 7 ) phone calls to XXXX 's customer service department since XXXX ( 42 days ) and emailed all the information XXXX requested ( copies of statements, cleared checks, etc. ) in an effort to have my payment applied to my loan balances. Every phone conversation ends with the agent stating someone will contact me back by days end and they will have a resolution with-in two weeks. Neither of the two have happened. 

Out of fear that I am being scammed out of payments, I want to pay the loan off in completion cutting ties with XXXX XXXX XXXX ; but I can not pay the loan off as I can not get an accurate final balance figure from XXXX that reflects all my payments. I hope this is not common practice for XXXX and happening to others on a larger scale as this should be a simple accounting journal entry fix but XXXX continually leaves me in the dark with no resolution.
Consumer complaint received 2017-05-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

Hi, On   XXXX   XXXX ,  XXXX  I made a pay ment to Navient for my student loan account for {$500.0 0}. That {$500.00} amount was taken out of my checking account, but only {$400.00} was recognized as a payment by  Navient. I  do n't know what happened to the {$100.00} difference, but I suspect this is not the first time since  XXXX  when I consolidated my loans with Navient. I can provide evidence of how this payment was charged on my  XXXX   XXXX  account and on t he Navient si de as well.     Please help!
Consumer complaint received 2024-03-26
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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 2017-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX / XXXX /  XXXX   I have been applying for Mortgage Loans and  Auto Loans and  they are trashing  my credit score  and providing false information. All credit reporting Agencies.     Key Factors -  XXXX  - Need to find the best loan possible, if they were not all thieves I could just apply and move on.    XXXX  - I have  XXXX  checking account  XXXX  and an auto loan through  XXXX  and I have to many accounts?    XXXX  - I keep a consistent balance in my checking account and double up on my auto loan for early payoff, I have no high balances or revolving accounts.    XXXX  - I have been paying on my auto loan. An installment loan is a type of loan that is repaid in periodic installments ( usually monthly payments ) that include principal and interest.What is the problem?
Consumer complaint received 2017-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

The aforementioned credit collection agency representing whomever you r Client is  has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,  XXXX  and  XXXX .   The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If  Diversified Consultants  does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to p ay ) th ey need to retract this from my credit file immediately.
Consumer complaint received 2018-10-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I dispute a XXXX XXXX item on my TransUnion credit report on XX/XX/2018. And on XX/XX/2018 they said it was verified. ( It's No way if TransUnion did a proper investigation it could be verified that fast ). On XX/XX/2018 I contact TransUnion and spoke to the manager name XXXX XXXX at XXXX about my dispute in my dispute letter ( it's states I haven't received any documents with my signature on it ) so I ask XXXX did they have any contract with my signature on it and she said NO!!! This is a violation of the Fair Credit Act and my Rights. If TransUnion don't have a written contract with my signature HOW ARE THEY VERIFYING THIS ITEM???????? Why is it on my Credit Report???? And ask TransUnion to Verify all None account holding inquiries they are Not mine I contact All of the companies and they Never respond to me.
Consumer complaint received 2017-05-10
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cedars Business Services, LLC (VA)

I sent them a statement by certified mail informing them that I did not want to be called anymore and that I would like to correspond through mail. I know they received the certified mail because I have the record. According to t he USPS, the y received it the morning of   XXXX   XXXX   XXXX    . In the letter, I wrote exactly :  " Cedar Financial or anyone representing Cedar Financial does not have p ermission to call my cell phone. I preserve my right to claim damages for subsequent calls und er the Telephone Consumer Privacy Act. '' Later that evening, I got a call from them again. This is after  XXXX    months of them repeatedly calling my phone ( every other day. ) I have the file # they gave me that I can provide to CFPB if requested.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MoneyLion Inc. (NY)

I went on a cruise on XXXX XX/XX/XXXX and used my XXXX debit cards for purchases onboard the ship which placed a several holds, ( XXXX {$100.00}, XXXX {$100.00}, XXXX {$80.00}, XXXX {$53.00} and XXXX {$10.00} ). Upon my return my charges were settled totaling {$290.00}. On XX/XX/XXXX the charge of {$290.00} posted however, the holds ( pending authorizations ) were not released causing my account to show overdrawn- {$180.00}. I contact XXXX and explained the situation and was advised I would have to wait XXXX  days and the authorizations would be released. On the XXXX, the authorizations were still pending so I called XXXX back and was told the original information was incorrect and it was not XXXX  days but XXXX business day. I called today XXXX and was told by a supervisor that the initial information was correct that XXXX  days is the hold time before release but since the funds were not released then I would have to wait indefinitely for those holds to be released or I would need to contact XXXX to have them send an email to have the funds released. This has caused a major financial detriment. I am concerned about XXXXXXXX XXXX transaction hold processes. If I am being told that the process is XXXX standard days and the authorization holds should be released and they see that has not happened, they should have released the funds however, they are saying they won't be released unless XXXX sends that email and if XXXX does not send the email the money will remain on hold. That does not seem fair to the consumer nor does it sound like a good way to conduct business especially with other people 's money. am at the mercy of this company unless I can convince the merchant to send that email.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This bankruptcy report has been reporting inaccurately and is ruining my life. The name, the courthouse, the file number, the date : these are all inaccurate and must therefore must be removed from my report. Please help me and get this item off my file.
Consumer complaint received 2023-02-06
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. (GA)

On Wednesday XX/XX/2023. 

I contacted all three credit agencies, XXXX, Transunion, and XXXX. I realized that there are credit inquires on all three of my credit reports that I did not authorize. 

XXXX was the only Agency that removed the unauthorize credit inquires.

Credit Inquires that I did not authorize and should be removed from my Trans Union and XXXX are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Interest paid on my Wells Fargo mortgage has fluctuated even though all of the other amounts have stayed the same. 

Details Principal : {$170.00} Interest payment : {$300.00} Escrow payment : {$250.00} I have attached a statement from XXXX to show the fluctuation but it is with every payment as far back as I can view the statements. My mortgage was taken out at the start of XXXX.
Consumer complaint received 2017-05-06
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. (CA)

Simply put, the credit reporting company, Experian, failed to conduct a reasonable investigation into my dispute with a data furnisher, who is illegally ( I believe  )  reporting a debt that should be reported as a balance of  XXXX . Experian instead has made my situation worse by allowing the data furnisher to falsely claim that I was a victim of identity theft ( which I never claimed ), and has put a fraud alert on my credit report. That is all Experian has done, and has since sent me a report stating that their investigation is complete, without explanation of what was investigated or even a summary of their findings. They just send a credit report that just shows that the creditor is increasing the balance owed each month, even though the creditor is claiming the debt is charged off.     To provide a background into my situation, the creditor is  XXXX   XXXX  Mortgage  XXXX  a separate complaint was submitted to this creditor ) who was servicing my purchase second mortgage on a property located in  XXXX , California. I had to walk away from this property back in  XXXX  since I had changed my employment to  XXXX   XXXX , California. Neither the primary mortgage nor   XXXX   XXXX     Mortgage offered assistance for a short-sale or deed-in-lieu, and I was told I did not qualify for HARP or HAMP since I no longer lived in the property. I could not afford to pay for the mortgages and rent in  XXXX   XXXX  at the same time. The primary mortgage holder ultimately foreclosed, and I was not aware that  XXXX   XXXX  was sending in a negative report to all  XXXX  credit agencies on a monthly basis stating that I still owed the balance of {$41000.00}, even though   XXXX   is a non-recourse state, and since the foreclosure was non-judicial, the second purchase mortgage should have been discharged. I discovered this when I applied for a FHA mortgage this  XXXX   XXXX . I disputed this with Experian in writing on  XXXX   XXXX , with proof that this second mortgage is a purchase mortgage with legal justification of why this debt amount should be  XXXX  here in  XXXX , but all Experian has done was to place a fraud alert on my credit report, which I never claimed. I have also sent Experian a letter, certified mail, requesting that they remove the fraud alert, which they have failed to do so. Experian is in violation of the Fair Credit Reporting Act by failing to do a reasonable investigation and by placing a fraud alert without proof that any fraud was occurring. It should be clear to Experian that   XXXX   XXXX   is providing false information for the purpose of extortion, considering that after my application for a FHA loan,   XXXX   XXXX     has since increased the balance owed amount to {$55000.00} for a debt   XXXX   XXXX   already charged off, and continues to increase the balance month over month.
Consumer complaint received 2017-05-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: DriveTime (TX)

Since originating my loan with Drivetime, I have had nothing but issues. If I was ever one day late on my EVERY two week payment plan, Drivetime started calling me and harassing me nonstop. They called me multiple times and harassed my co workers in an   XXXX   at the  XXXX . I told them to stop calling my place of employment but they did not stop. They also repeatedly harassed my references after I told them to stop and called me all day and late evening at home. Multiple calls in a day almost hourly. They would not work with me on a payment plan to catch up and once the vehicle was repossessed they report wrong amounts and different repo dates to the credit bureaus. They have violated many of my rights as outline in the FRCA like The Fair Credit Reporting  Act, 15 U.S.C. 1681 ( FCRA ) is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies - for one. I had told their representative to only contact me in writing, they refuse to do this. They  prey on people with subprime credit and make matters worse doing it illegally.
Consumer complaint received 2023-02-06
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)

My name is XXXX XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-03-26
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. (CA)

To whom this may concern, This account was charged off on the following date for TransUnion XX/XX/XXXX. XXXX has a date of XX/XX/XXXX. Since then, the date of last activity has been incorrectly updated on TransUnion and XXXX with the date of last active XX/XX/XXXX. Since then, the account has repeatedly been updating as a charge off. This reflects as update on this account. A charged off account should not include updated history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights as a consume. Im demanding a deletion of the following accounts. If the information is coming from the original creditor the dates should be the same. We can not say theses accounts are 100 % accurate so it is deemed inaccurate. Please, delete this account from my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX
Consumer complaint received 2024-03-26
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. (CT)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. 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 DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-02-06
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 submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. 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. These were already included in my prior complaint and I'm including them again. 

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 2017-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I have been arguing with  XXXX   XXXX   XXXX  over disputed late payments for   XXXX   months. They claim they have no record of our conversations and wo n't remove the lates from my credit report.     Since our last conversation, they have made changes to previous leases reported to Equifax in an attempt to further ruin my reputation. They are targeting me because I reported them.     They are now claiming that a lease I had in  XXXX  ( acct #  XXXX  ) was included in a Bankruptcy Chapter  XXXX  and became delinquent in   XXXX   XXXX   None is this is true. There was never a delinquency, and there was never a Chapter  XXXX  B/K.     I do n't appreciate  XXXX   XXXX  bullying me by trying to claim that a lease that ended without incident almost   XXXX   years ago was delinquent or subject to a phony bankruptcy.
Consumer complaint received 2023-02-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC (PA)

Upon receiving a phone call and voicemail, I called company back ( credit management company XXXX ) they stated they called to collect a medical debt. I requested the debt to be sent in writing so I can verify it as I have moved recently and dont have any access to my paperwork. They directly refused and said they have no legal obligation to send anything in writing verifying the debt. I told them I have a right to receive something in writing before I pay out of pocket and they refused multiple times and then simply hung up on me and I was on hold to talk to another agent after that for over an hour and never got thru to anyone else. I will pay debt if i owe it but I want to verify it in writing before doing so as I think anyone would want to as I do not recall any recent medical debts I owe other than the ones on my credit report which this is not so I can not verify. I feel they are using horrible bully tactics and I needed to make someone aware to help. Thank you
Consumer complaint received 2023-02-06
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. (FL)

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. 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. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-26
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. (OH)

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 Account Number : XXXX Account Name : Untitled Account Number : XXXX and 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.