davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account AND inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-21
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rent Recovery Solutions (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-05-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MO)

I made a payment to mohela on XXXX to completely pay of XXXX, {$33000.00}. I received a confirmation email on XXXX that evening with the Confirmation # : XXXX and a statement that mohela will confirm the payment in 2-3 business days. My bank account shows that {$33000.00} was paid to the dept of education. 

Mohela never confirmed that the loan was paid off. 

I received an email that a message was available on my Mohela account around XXXX. I could not access the account because their were transitioning to another servicing platform. I did receive an email in XX/XX/XXXX that said my account would be transitioned on XXXX. The email did not say that my account would not be accessible. Since then, I can not access my account from Mohela 's old website. I called Mohela but I was not able to speak to someone due to work or the long wait times. 
When Mohela transitioned to their new website, I was not able to use my prior log in information because it was " not on file. '' I entered by SSN and personal information to request by log in information but that too was " not on file. '' Their old website still had my account " in transition. '' I never received an email from Mohela about when my account would be available. 

When I made an account on their website that I received an email stating that " Your account has transitioned to a new online platform. '' What was interesting about this new platform is that none of my prior payments OR my XXXX payment on XX/XX/XXXX was listed. In fact, the loan remained listed and accumulating interest. The payment is not even listed on studentloan.gov despite the dept of education receiving my payment. 
The new account does not have any of the prior messages I received from Mohela as well. 

I was able to speak to someone at Mohela about the payment to XXXX. After about 45 minutes, they were able to locate the payment. I was told the payment would not be processed in 90 days. They could not explain why it would take 90 days. They told me I would not accrue interest on XXXX. When I told them I was, they could not prove a reasonable explanation. 
When I messaged Mohela about the loan payment on their website, they just replied with my question
Consumer complaint received 2023-07-25
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. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

Hi, So my payments began XX/XX/XXXX. I make all payments on time. On XXXX, I made my normal payment of {$110.00} for XXXX due date. XXXX I made a payment for XXXX due date. At this point, all payments will be made in the month prior to them being due. So the issue at hand is my last payment was made XXXX for XX/XX/XXXX due date. As of now they are saying my next payment is not due until XX/XX/XXXX which in fact is inaccurate. A lot of the customer service reps seem confused but I finally got one who understood and submitted the request. I believe whomever received the request is confused. They don't seem to have the knowledge to understand that in XX/XX/XXXX I did not make an extra payment, the second payment for that month was XX/XX/XXXX 's payment ; just made it early. Some of the reps see XXXX and XX/XX/XXXX and keep getting hung up on that. It has been weeks and they have yet to update my account. I am a few days away from when it should be due and they will not fix my account. Do I just skip XXXX 's payment and risk later them contacting me about it and also a missed payment on my credit report? Only change they have made was they changed my payment from {$110.00} to {$110.00} ; which the issue at hand should be changing my next due date from XXXX to XXXX and my monthly payment amount should have remained {$110.00}. It is very frustrating because they are not keeping accuracy with statements. I will attach emails showing all payments as well as an email where they claim they understood. But yet, still no one has fixed it even after them submitting a request. 

Thank you, XXXX XXXX
Consumer complaint received 2023-07-25
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. (NJ)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Equifax is refusing to verify my identity and fix my credit report. For over a month I have not been able to access report and get code XXXX. When lenders access my credit report it states it can not be found. I have sent in Id verify documents to equifax in order to fix issue and still have not received it fixed. I need my credit report back accessible asap. I also have disputes that have been ongoing for XXXX now with no resolution
Consumer complaint received 2023-07-25
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc. (NJ)

I received a notice from my credit monitoring service that there was negative action on my report ( s ).

A company known as Credit Management , LP with an address of : Creditor Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( on report ). In the amount of {$350.00} XXXX  XXXX. # XXXX Opened XXXX Reported Closed XXXX I have no known relationship with this company and who gave them permission to place something on this report? IT WAS NOT ME. 

Under 15 U.S. Code 1692g - Validation of debts, this alleged creditor must furnish proof that I have a contract with them. 

The name : XXXX XXXX XXXX is a registered trademark with the United States Patent and Trademark Office bearing U.S. TRADEMARK REGISTRATION XXXX ( see attached certificate of XXXX )
Consumer complaint received 2023-07-25
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THIS ACCOUNT GIVING ME ANXIENTY I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Consumer complaint received 2020-10-05
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. (NY)

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

I looked at my recent transactions on my Citibank credit card app on XX/XX/XXXX and I was surprised to see a new {$170.00} fee for authorized users and an increased annual fee of {$590.00} ( formerly {$450.00} ). 

I never received an email or letter explaining these upcoming fee changes like I'd expect from other companies providing financial services. 

I wrote to Citibank on XX/XX/XXXX : Dear Citibank, I am writing to express my extreme dissatisfaction with the recent, undisclosed fee increases for authorized users and the annual fee on my account. I was neither informed about the {$170.00} authorized user fee increase nor the annual fee increase of {$140.00} before these changes were implemented. 

The lack of transparency surrounding these fee increases raises serious concerns regarding potential violations of the Unfair and Deceptive Acts or Practices ( UDAP ) regulations. Consumers have the right to clear and conspicuous disclosure of fees and terms associated with financial products. 

I demand an immediate reversal of these charges and a full explanation of the reasons behind these fee increases. Failure to rectify this situation promptly may result in further action, including reporting this matter to appropriate regulatory authorities. 

Sincerely, [ MY NAME ] A Citibank representative responded on XX/XX/XXXX : " ... Our records indicate when your XX/XX/XXXX statement generated, we notified you of the important changes to your account terms, which were located on page XXXX of your statement. This information advises that as of XX/XX/XXXX, the XXXX XXXX Fee for the XXXX  cardmember will be {$590.00} and the authorized user fee will be {$170.00} for up to three authorized users. However, you will not be billed until your next cardmember anniversary. 

When your XX/XX/XXXX, statement generated there was a reminder of the XXXX XXXX fee of {$590.00} and {$170.00} authorized user fee for up to three authorized users that will appear on your next billing statement. This information can be found in the Account Messages portion of your statement on page XXXX ... '' I then let them know that I do not find a notice hidden on the XXXX or XXXX page of a statement to be " clear and conspicuous '', and that I would proceed with filing a complaint with the CFPB. 

I don't believe that Citibank is breaking a law or regulation, but I think financial service providers should be held to a higher standard by the CFPB by clearly alerting their customers to significant changes in fees. Many consumers rely on apps and online transaction logs, rather than scanning their statements for any upcoming changes to credit card terms. I do not believe it is fair to " hide '' this important information within a monthly statement.
Consumer complaint received 2023-07-25
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. (NY)

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-27
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-06-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (CA)

In XXXX my loan was transferred from Roundpoint to XXXX Mortgage. I had not received a statement from XXXX Mortgage at the time my payment was due, but I received a statement from Roundpoint. I made a payment on XXXX XXXX to Roundpoint, which was cashed on XXXX XXXX XXXX, I revived a statement from XXXX Mortgage. I was told that Rounpoint would not cash my check since they no longer owned my loan. I sent another check to XXXX Mortgage on XXXX/XXXX/16 which was withdrawn on XXXX/XXXX/2016. 
I called Roundpoint and the agents were unable to find my payment. I was asked to forward a copy of the cashed check and they would investigate and send me a refund. After numerous calls and emails I have not received a refund or a response on the status of my request for the excess payment refund. I have confirmation emails that my emails were received.
Consumer complaint received 2024-04-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Essential Lending Inc (TX)

Received loan for {$300.00}, paid back off in 2 days after receiving loan in amount of {$390.00}. Loan contract stated : You may cancel this contract, without any penalty or obligation, within three days after the date the contract is signed. If you cancel, ANY PAYMENT MADE BY YOU under this contract will be returned within 10 days after the date of receipt by the credit services organization of your cancellation notice. Which is {$93.00}. I signed contract XX/XX/2024 XXXXXXXX XXXX. Received Loan on XX/XX/2024 XXXX, Paid loan off XX/XX/2024 XXXX. Not a full three days. Says To cancel this contract, mail or deliver a signed dated copy of this cancellation notice, or other written notice, to : Essential Lending, Inc. ( ELI ), attention General Counsel, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX not later than midnight XXXX XXXX  XX/XX/2024. I mailed and sent email. I talk to Rep, she said it should have been paid off on XX/XX/2024 which makes no since. we spoke on XX/XX/2024 around XXXX. I have Signed dated contract and receipt of pay off
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

I reviewed my credit report yesterday and noticed an inquiry on my credit report that my credit score was lowered because of it. I have no idea why this happened as when I went to the dealership, I already had a pre-approval from XXXX XXXX which is who I financed my vehicle with. I did not request for Toyota to run my credit as I went to the dealership with every intent to use the pre-approval that I provided to them.
Consumer complaint received 2017-05-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

In  XXXX  of  XXXX  my mother passed away. I am the trustee on her living trust. I contacted  Wells Fargo by phone &  they would not speak to me regarding the loan or any modification. I the n sent in all documentation by mail & fax ( death certificate, trust ) & they still w ould not recognize me. They continued with the foreclosure. There is a sale set for  XXXX   XXXX ,  XXXX  & I wish to remain in my home.
Consumer complaint received 2024-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (CA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.