davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-12
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Navient Solutions, LLC. (NY)

I contacted Navient Solutions about making a payment on my private student loan. I spoke to XXXX customer service representatives that were very rude. Both representatives yelled at me within moments of speaking to them. The female representative did not answer my questions and spoke in an aggressive manner the whole time. She asked me questions that did not seem relevant in finding a solution to my situation but more aligned with her aim to be as verbally abusive as possible. She blamed working late hours on the reason why she was so rude. She also said she was not in customer service as another excuse to be so patronizing and verbally abusive. I finally received the answers and a solution to my problem when speaking to their supervisor.
Consumer complaint received 2022-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

I made a request for refund of payments made during the pandemic due to personal financial need. The request was made on XX/XX/26. I was originally told I've have a refund 30-60 from when I made the request. 

The complicating factor is that I'm requesting refunds for payments made to a previous servicer. Of which have all payment records for. 

I've called recently a few times asking for an update and have received contradictory and/or misleading information. They say I need to wait another 90 days. And it's not clear to me what the hold up is - one rep mentioned the XXXX XXXX XXXX on a different call they said it was the department of treasury, on another call they mentioned it was delayed due to needing to get information from the previous servicer, and another rep said it's sitting in the mohela account department. 

I've attempted to resolve this ( mainly just need realistic expectations for when the refund will be issued -- also CARES act probably didn't expect student servicers 3 months to process a simple request ) wait times to speak to a representative are 1+ hours. When asking to speak with a supervisor or anyone else who might know more information I've been sent to their end of call survey ( this happened 2x times )
Consumer complaint received 2016-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION (OK)

We applied for a refinancing loan for our home in XXXX 2015. When we applied for this loan, we paid for the home inspection fee which cost us about {$520.00} in XXXX 2015. In XXXX 2015, they have made us to do to pay XXXX home inspection, additional {$520.00}, promising that this fee will be refunded at the closing and the loan is almost to be closed. As of now, after XXXX months the loan is still in process and the underwriting is requesting more information. We have XXXX credit scores with very strong financials.
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (WA)

This is regarding our Target credit card we paid the balance in full on XX/XX/2019 normally this is done through our bill payer account but due to a soft safe update we had to use our debit card issued by our bank to make the payment. Did to the change in payment it got to XXXX late Friday night after business hours after they were closed. Technically our payment would not be late till XX/XX/XXXX but since that was a Sunday they claim they did not receive it until Monday the XXXX making it late. 

Normally they would have received this payment well before the XXXX well before the cut off date of our bank wasn't going through a software upgrade. After explaining this we initially offered to pay the {$28.00} dollar charge to have it go away. 

The XXXX said if we would get a letter from our bank they were sure they would reverse the late charge. Reviewing the left not only did they decline our request XXXX just keep adding interest and late charges to the original late charge balance to where the XXXX credit balance is {$340.00}. All from a XXXX dollar late charge. 

The account was closed and that is when Target got real nasty in resolving this issue. 

You can go to XXXX and get the multiple phone conversation to back up our allegations as all phone conversation are recorded.
Consumer complaint received 2023-03-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-03
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. (WA)

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 XXXXXXXX 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 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 2023-03-03
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. (SC)

I reviewed my Consumer Credit Reports and I noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies must have assumed a vital role and have a responsibility to report Consumer information with maximum accuracy consistently. I have never been late on payments for the account : XXXX acct # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2015-05-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One keeps calling me on Sunday. I had complained about this nearly a year ago and was told they would not call on SUNDAY. I am not nor have I ever told them not to call at all. I just said not to call on Sunday. It is not legal for them to call me on Sundays!! They are calling yet again on Sunday. They also refuse to remove the charge off from my credit report. They are missing the extension that was done XX/XX/XXXX which was credited to my account and they refuse to correct the charge off. That extension and the {$100.00} extra PRINCIPLE ONLY payment I sent were not applied. They did not apply the extension at all for one, which puts the payment they say was over 120 days under 120 days and therefor can not charge it off. I had made 2 payments with them XX/XX/XXXX and they turned around and charged it off in XX/XX/XXXX with NO notices to me. They say they sent them and even generated some FALSE notices I NEVER GOT. They did not apply the {$100.00} credit I sent for PRINCIPLE ONLY properly, they put it on interest which WAS NOT for interest. They REFUSE to listen to me and correct these things and NOW they are calling again on Sundays!! I am not saying do not call, I am saying do not call on SUNDAY! I am saying they must correct my account.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

My credit has been reported inconsistently on all three bureaus. 
On XX/XX/XXXX, XXXX removed late payments from my XXXX credit report and as of today this account is showing no late payments on my XXXX report. This action or update should have been the same on all other credit reporting agencies. I have requested on CFPB previously that this correction needs to happen or have the account completely removed from all three credit reports. This is hurting my credit scores and my ability to obtain credit during this rough time. I need all late payments removed on the other bureaus just as it is on XXXX. or completely remove the account.
Consumer complaint received 2022-11-20
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. (NC)

I contacted Equifax on XX/XX/2022, to dispute fraudulent items I found on my credit report by mail. I got my dispute results on XX/XX/2022 stating that the items I was disputing were either deleted or were not appearing on my report. A few days later, on XX/XX/2022, I noticed that Equifax had without my knowledge or permission unknowingly reinserted some of the deleted items on my credit report, and claimed they were verified a couple hours later. I tried to contact the company about it, the fraud department gentleman on the phone line said that this was nothing and to disregard and the items should be deleted, so I did and went about my day, and a few hours later I get an email notification saying the disputes were updated and the accounts were somehow validated. I also went to the Equifax website and saw the items are still being displayed under " Closed Accounts. '' This is unacceptable. I have received no documentation from either Equifax or from the " original creditor '' that proves I gave written consent to anyone to furnish these items on my report ; and if the creditors state that I gave written consent, it was only due to an uninformed decision, and I was not given proper disclosure of my rights under the Gramm Leech Bliley Act.
Consumer complaint received 2023-06-12
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: LendingPoint Holdings LLC (TX)

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, LENDING POINT used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. LENDING POINT reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Consumer complaint received 2016-11-18
Product: Credit card — 
Issue: Billing disputes — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

In XX/XX/XXXX, my husband passed away after a 3 month hospital stay. Not long after, I was inundated with medical bills, as well as I was working with his attorney to dissolve his Chapter 13 bankruptcy that was filed in XXXX. It was a very painful experience but after several months every creditor was notified of his passing, death certificates were sent, and I was able to begin the grieving process. In late XXXX I received a call and a letter from Portfolio Recovery. I explained to them the situation and they told me the account would be closed. In the last 24 months since then I have received numerous calls and letters from Portfolio Recovery. I have asked numerous times for verification of the debts they have for me and they have yet to provide me the information despite the fact that they have my mailing address. This has also been reported my credit report, and while it does show disputed, there has been no effort to provide proof of the debt to have this corrected.
Consumer complaint received 2017-10-12
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: EQUIFAX, INC. (TX)

On XXXX XXXX, 2017 I sent a request to the 3 credit bureaus to remove credit inquiries on my report as they were not authorized. I applied for a loan with XXXX and XXXX only in addition to XXXX. I have over 19 credit inquiries as a result of XXXX sharing my information without my knowledge or permission to obtain credit on my behalf. 

The response I 'm getting is the same from the bureau 's that the record is accurate when it is not. I 've not authorized anyone other than XXXX and XXXX to pull my credit.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP (CO)

In XX/XX/XXXX I noticed charges from XXXX going back to XXXX that were fraudulent and not mine ( I have never had a XXXX account connected to this checking account ). I called the US Bank fraud department to report the fraud and file the claims.

Months later, I found out that incorrect transactions were filed on my behalf by the fraud department as fraud and a reserve line of credit was opened without my authorization. An advance was also taken from that reserve line without my authorization. 

After spending close to XXXX hours on the phone with the fraud department over the course of several months, I was told to go to a local branch for their assistance. I worked with XXXX branch employees who worked in tandem with the fraud department trying to sort out the claims that were fraud and those that weren't. It was then that I was made aware of the reserve line that had been opened as well as the balance on that account. 

It was also recommended by the branch and fraud dept employees that we cancel all previous claims that were filed in XXXX and refile the fraudulent transactions to ensure the claims were accurate.

Yesterday, I was directed by the branch to report the reserve line as fraud since I did not authorize it to be opened.

Today, when I called to report that fraud, I was told by the fraud department that all of my fraud claims have been denied and that I could not report fraud on the reserve line. Not only will I not get my money back from the fraudulent XXXX charges, but I also owe the balance on the reserve line. 

Opening of a line of credit without my authorization is unethical and seems as though it would be illegal.
Consumer complaint received 2022-11-20
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. (GA)

After looking over my consumer report, I see that my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX is reporting late payments on multiple accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. 
I at no time gave XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. the reporting of these late payments are not accurate and my privacy has been violated due to XXXX violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Consumer complaint received 2023-06-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC. (OH)

I have notified this debt collector of the illegal actions they have been taking in regards to my installment credit sale I created on XX/XX/XXXX. This company is still falsely reporting to my consumer reports thru XXXX, XXXX and XXXX derogatory information which is hurting me in finding a new home. I have sent a debt validation letter XX/XX/XXXX, XXXX in which they failed to send the correct validation of this alleged debt. On XX/XX/XXXX after over 90 days of them still inaccurately reporting I asked for the name and address of the ORIGINAL CREDITOR and have not heard anything back yet.
Consumer complaint received 2024-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc. (IL)

I placed an order with XXXX XXXX and never received the water. The charge was for {$170.00}. I never received the order, contacted XXXX XXXX but was never issued a credit so I disputed the charge on my credit card.The credit card resolved the dispute in my favor. Now XXXX XXXX has sent the charge to collections. 

XXXX XXXX had every opportunity to resolve the dispute with my credit card but never did. I do not owe them anything but they have sent me to a collection agency
Consumer complaint received 2024-03-25
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. (NY)

I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I recently disputed student loans from my credit profile the loans are 8 years of age 15 U.S Code S 1679 states the credit bureaus must remove accurate, negative information from your credit report if its over 7 years old my rights has been violated as a citizen as the debt still remains on my profile
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (GA)

Citi Bank received and approved a fraudulent credit card application from someone using my identification information. It resulted in a new account being opened. I called Citi and reported the fraud. Citi cancelled the card and opened an investigation.
Consumer complaint received 2023-06-12
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TX)

We went into forbearance with covid relief in XXXX due to loss of income due to the pandemic. We work with XXXX XXXX XXXX in the home and were unable to have steady income due to the pandemic. We have 7 children and this was a lifeline during a very difficult time. Since coming out of forbearance we have attempted to modify the loan multiple times, each time being denied with no reason. 
We started applying in XXXX of XXXX. We have attempted multiple times since that time. We have also been receiving calls saying our home is on the market for foreclosure but have never received a notice of sale or sale date or any other type of information from Mr. Cooper or any other company. We also can not make any payments with Mr. Cooper unless we pay the full amount due from the forbearance. They have not been clear on any ways to avoid foreclosure, other than modification, however they continue to deny the modification with no reason.
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. (MD)

THESE ACCOUNTS ARE NOT MINE THESE ACCOUNTS ARE FRAUD. 

XXXX, XXXX XXXX  ACCOUNT # XXXX XXXX, XXXX XXXX ACCOUNT # XXXX XXXX, XXXX XXXX XXXX ACCOUNT # XXXX XXXX, XXXX XXXX ACCOUNT # XXXX XXXX, XXXX XXXX  ACCOUNT # XXXX
Consumer complaint received 2023-06-14
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.