davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-02
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. (DE)

On XX/XX/2023 I have communicated to XXXX, transunion, XXXX about incorrect information being reported on my credit report. I have contacted the companies in question and they keep reporting inaccurate information. No one is listening to me or cares at all. This is affecting my credit very badly. I've had good credit up until now. I need your help.
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (FL)

I was on line the other day only to get a pop up for Discover Student Card. I was eventually approved and my card was sent overnight. I was able to take care of some things the first day. The second day I order an XXXX and the card was declined. After calling Discover they advised that they had to verify my IRS information and sent a copy of my bank statements notarized. I am having trouble signing into the XXXX document.
Consumer complaint received 2022-01-03
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: Experian Information Solutions Inc. (CA)

Submitted challenge letters to Experian for XXXX accounts over 30 days ago and did not get investigation results in a timely matter requesting XXXX accounts be removed from my credit report immediately. 

Target card Acct # XXXX amount {$460.00} XXXX card Acct # XXXX
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

According to the Fair Credit Reporting Act, 15 USC 1681 Section 602 ( a ) ( 4 ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. I am the consumer and XXXX, XXXX and Experian are the consumer reporting agencies. I as the consumer have the right to protect my private information and ensure that it is not being shared, which also aligns with 15 USC 1681 ( s-2 ) which states that 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. A person shall not furnish information relating to a consumer to any consumer reporting agency if he person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and the information is, in fact, inaccurate I have contacted all 3 credit reporting agencies via certified mail on XX/XX/2023 about the reporting of the inaccurate information on my consumer report. No correspondence nor corrections has been received for either of the 3 credit reporting agencies. I have attached proof of my only mailable address to this complaint.
Consumer complaint received 2023-05-25
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 am writing to submit a formal complaint regarding the incorrect information present on my credit report. On XX/XX/XXXX, I contacted XXXX to dispute the inaccuracies, but to date, I have not received a response. I kindly request your assistance in addressing these issues and ensuring compliance with federal law. 


XXXX XXXX Account Details : Date Opened : XXXX XXXX, XXXX Balance : {$420.00} Disputed Information : The reported balance of {$420.00} is incorrect. I remember the amount to be lower. I request the deletion of the Past Due information as this account is closed and charged-off. I also ask XXXX to mark this account as disputed to prevent any negative impact on my credit score. 
XXXX Account Details : Date Opened : XX/XX/XXXX Balance : {$3700.00} Disputed Information : The reported balance of {$3700.00} is inaccurate. I recall the amount to be lower. I urge XXXX to revise the Past Due information as it is incorrect to present a Past Due amount for a closed and charged-off account. This account has likely caused a drop in my credit score. I need to reach an agreement with my creditor to address this incorrect data. I request XXXX to mark this account as disputed to prevent further negative impact on my credit score. 
XXXX XXXX XXXX Account Details : Date Opened : XXXX. XXXX, XXXX XXXX : {$24000.00} Disputed Information : The reported information about the account balance of {$24000.00} is inaccurate. The original creditor for this account is XXXX XXXXXXXX XXXX, not the company XXXX indicates. The reported balance is higher than the amount I believe I owe. I dispute this account and request verification of the Date Opened and Date of First Delinquency. 
XXXX & XXXX Account Details : Date Opened : XXXX XXXX, XXXX Balance : {$520.00} Disputed Information : The reported balance of {$520.00} for the account is inflated and inaccurate. I am aware that the original creditor is XXXX XXXX, but I have not been contacted by XXXX & XXXX. I do not recognize this amount, and I believe I owe a lower sum. Due to these inaccuracies, I dispute the entire account and insist on the verification of the Date Opened and Date of First Delinquency.
Consumer complaint received 2015-11-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MD)

Hello, our mortgage has been recently transferred to a new mortgage service company ( Nation Star Mortgage ). When submitting my payment for the month on XXXX, NationStar told me that going forward they will charge {$9.00} unless I pay my mortgage by the XXXX of every month. I am wondering if that is the rule industrywide, because I have always paid my mortgage on the XXXX of every month with my former servicing company. I really would like to continue to pay my mortgage on the XXXX of each month, because it is still 30 days whether I pay on the XXXX or the XXXX each month.
Consumer complaint received 2024-03-02
Product: Credit reporting 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)

I believe thats these companies are stealing my personal information and running my credit abusing my credit report by allowed others to lets random peoples to using others peoples information thats dont belong to them I am affected by this disaster I ask u to removed and disputed all this negative things off my report immediately theses inquiries and accounts they are not mines I have not give none of these accounts ppls my information they have no live camera videos of me or documents signed by me in the build so yes my information have been stolen I ask for you wipe these things off my report 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 XXXX
Consumer complaint received 2022-11-21
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. (NY)

I noticed that there are still accounts that are reporting erroneous and incorrect information. Right now, I am not satisfied that Experian has completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting its examination. I sense that the remaining accounts need proper action to assure the maximum possible accuracy on my credit file. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the account 's information immediately : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-14
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: SLM CORPORATION (AZ)

My name is  XXXX   XXXX   ( da ughter- XXXX  ), we called Sallie Mae on  XXXX / XXXX /  XXXX   and applied for a Smart Option Student Loan and was approved for {$10000.00}, which aligns to my daughter 's school obligations. We chose the Fixed-Deferred option with an interest rate of 9.827 %, which we were quoted and told that would be on the document when we went online to e-sign/accept the terms. Nothing was mentioned of APR during this conversation, at all! When we finished the call, my daughter and I signed onto our accounts to each complete the acceptance/e-signing process. I noticed right away that the Deferred-Fixed option was chosen, but the interest rate indicated a 10.38 % and no mention of an APR. I called customer service back and asked why I was seeing on screen the 10.38 %, and not the 9.827 % I was quoted/accepted over the phone. Neither the representative on the phone nor their supervisor ( when I asked to speak with after th e 3rd time being put on hold because she did n't understand, nor could explain why I was seeing the differe nce ) could explain why this was happening. The supervisor was very empathetic saying that he totally understood what I was asking and agreed, but when I asked why this was he could n't explain it! I 've accepted the current rate, because he reassured me that the true rate was 9.827 % ( only because we are at the deadline of having to secure my daughter 's spot at school ), and that I was going to be contacting the CFPB to intervene. I asked the supervisor if the 9.827 % was the rate with the 10.38 % being the APR, and he said he could n't tell why, but that they had to show the 10.38 % online due to a law. This does n't make any sense at all and need help in this matter! I do n't want my daughter having to overpay on a rate that was quoted but misrepresented.
Consumer complaint received 2022-11-21
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. (IL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-02
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. (TX)

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, 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 2023-03-02
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. (IL)

To whom it XXXX concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX 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 2015-12-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

I have both Federal and Private student loans with Navient, and I began school at Western Governor 's University ( XXXX ) on XXXX/XXXX/2015. At the time of beginning my classes my loans should have been deferred. This has not happened and now Navient has threatened to report my loans as delinquent to the credit bureaus and have been assessing my account fees. XXXX has updated my enrollment status on the XXXX XXXX House, and provided the information to them directly via fax on XXXX/XXXX/2015, however Navient refuses to acknowledge this. I also spoke with Navient customer service on XXXX/XXXX/15 to notify them of the change in status and to expect the fax. I was assured at that time that a payment was not required and my loans would be deferred. I contacted their customer service department again today ( XXXX/XXXX/15 ) to discuss the matter and was told to upload the enrollment status information to their website. I think this is unacceptable as both myself and XXXX have previously provided the information.
Consumer complaint received 2015-11-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

My mortgage statement from the last two months has reflected about a 50 % increase to my pmi. I sent in several requests to get an answer from my mortgage servicer, without a sufficient answer. My mortgage was modified in XXXX of 2014, and the balance owed was decreased was from about {$310000.00} ( original loan amount ) to abouty {$210000.00}. We currently owe about XXXX. Our PMI has been {$210.00} from when we originally opened it until my XXXX statement. That statement reflected the increase to {$310.00}. I called Nationstar 's customer service and they told me that it was increased due to the modification and my outstanding balance increasing. This is obviously not true.
Consumer complaint received 2015-11-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

My Bank Of America account was forced closed recently because of lack of funds. I was under the impression that they would decline any transactions that i had not enough money for, but since somehow XXXX is set up as a recurring charge ( which it is not ), they allowed it to go deep into the negative. That is not the worst part, upon closer review I saw that on my transaction statement I had an overdraft charge before i even went negative, which put me in the negative. In the end I currently owe {$260.00} and of that {$210.00} is in overdraft fees. I have contacted them about paying the balance of the transactions made and getting rid of some of the fees but that was not going to happen. so i now am hoping for help regarding this matter. Bank of America is allowing payments that are non recurring to be processed as recurring which allows much easier ways to overdraft people.
Consumer complaint received 2023-05-25
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)

I am interested in processing disputes on my credit report with experian to delete all inaccurate data that is holding my file down. this issue has hurt my credit report hard. none of my information is validated or correct. please review an delete all information that is processed to clean my credit report asap.
Consumer complaint received 2021-05-16
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: EdFinancial Services (VA)

I was like looking at my credit report and it showed multiple loans had been taken out of my account that I did not do. There is two student loans taken out this year in XX/XX/2021 that I did not file and they are up to XXXX.
Consumer complaint received 2023-06-01
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 have made multiple attempts to rectify this issue by reporting the fraudulent inquiries that appear on my consumer report. Your actions have caused me significant mental and financial distress, as you have issued an inquiry that is not associated with me and for which I bear no responsibility. This incident is a clear case of identity theft, and I am prepared to pursue legal action if my complaint is not addressed promptly and appropriately. These inaccurate and fraudulent entries on my consumer report have prevented me from fulfilling my dreams, such as purchasing a house and meeting my family 's needs.
Consumer complaint received 2017-01-18
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Before planning a trip to XXXX My daughter contacted Bank of America to inform them if they see any activity on her debit card from XXXX XXXX thru XXXX XXXX do n't be alarmed it will be her using the card and please do not block usage on this account. She was told by Bank of America it had be noted in her account and It was fine. Well just what she did n't want to happen did. The first time she tried to use her card it was declined. My daughter called in a panic. She was alone and stranded cause you can not use cash for XXXX. I called Bank of America to see what the problem was and they stated it was a security check. Bank of America also stated they did see noted in her account the travel plans and again it was just a security check I was upset because my daughter was alone and stranded. Bank of America apologizes and lifted the hold. However it went downhill from there. For the next three days while there my daughter called frantic and crying because she could not use her card time and time again for safe transportation and continued to be stranded. Three more incidents occurred and I had to call Bank of America very upset and finally they lifted the security on her card. I do n't understand how a bank feel it 's okay to keep someone from using their own money. This was not a charge card it was a debit card.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I feel that these accounts are negatively affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute. I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts being taken place. I need this problem fixed promptly because I will not wait another 50 days to receive no response due to the fact that I am clearly being ignored. I demand these accounts be deleted expeditiously or I will file for litigation due to the stress you have caused me. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted immediately.
Consumer complaint received 2015-11-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have a mortage with Nationstar Mortgage. Every few months I have to request payment history to check how the money is applied. Most of the time they do n't apply it correctly. I have been sending extra {$200.00} a month towards principal. XX/XX/XXXX I got the payment history and {$1000.00} ( XX/XX/XXXX-XX/XX/XXXX ) was not applied to principal. The money went to Corporate Advance??? account, Misc. account not to the Principal like I requested on the check. XX/XX/XXXX I sent an e-mail to NationStar. To this day I did not receive the copy of the corrected account which I requested. Nobody got back to me. The only letter and e-mial is the confirmation of receiving the complain. When the mortgage was with XXXX XXXX XXXX everything was clear. With Nationstar nothing is clear and the fact that they refused to sent me a statement make them do what they want.