davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) 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 a my file at Bureau 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 item 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 Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/21 Balance : {$0.00}
Consumer complaint received 2019-12-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION (OK)

They suggested i purchase a visa prepaid card to make partial payment on repayment plan. I bought pre paid card they suggested it did not work. They suggested i purchase netspend prepaid card i bought netspend card it did not work. They suggested to mail in partial payment via mail.Every week a different person calls (after i already explained on payday when i would be able to make the partial payment. The installment loan was supposed to be XXXX$ ( a month) strangely it is XXXX$ EVERY 2 weeks which is more then my car payment. I explain to them OVER AND OVER and OVER my paydays. they note in their computers. But have someone different calling every week. At this point it is severe HARASSMENT.
Consumer complaint received 2022-10-28
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) 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 a my file at Bureau 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 item 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 Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/21 Balance : {$0.00}
Consumer complaint received 2022-10-28
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I've talked to the bank & they've agreed to update these accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the identity theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the identity theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounst are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) are unknown to me. Also, the information you provided on these accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on these accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX Opened : XX/XX/XXXX Balance : {$560.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}
Consumer complaint received 2024-02-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: FIRST MORTGAGE COMPANY (CA)

I am currently applying for a mortgage. As part of the process, I received a letter that stated the following : -- -- -- I hereby authorize the XXXX, FirstMortgage, to verify my past, present employment earning records, bank accounts, stocks, and any other asset balances that are needed to process my mortgage loan application. I further authorize First Mortgage to order a consumer credit report and verify other credit information, including past and present mortgage and landlord references. 

By signing this document, I also authorize FirstMortgage to update my credit information every 30 days in order to validate that my credit reflects the same characteristics as those present when I applied for the loan. If my updated credit reflects any adverse factor which was not present in the initial credit, I understand that my rate and offer may change and if the loan is approved ; that this approval may become invalid a subject to a re verification of credit documentation. I understand that these re verifications may reflect an additional inquiry on my credit report. 

I certify that I do not have a blockage in any of the national credit agencies such as ; XXXX, XXXX and / or XXXX. If you have a blockage or XXXX in any of these agencies, you must notify it and provide us with the information that the agency will give you so that we can request the credit report. Failure to notify it could mean additional costs related to your credit report. 
-- -- -- My concern is that this language does not place an " end date '' on when the bank will stop reviewing my credit report looking for adverse events and may retain the right to modify my loan terms even after the closing. While I realize that a mortgage loan 's terms are defined in a different contract, I am concerned that this authorization looks like a blanket authorization that could be interpreted to extend beyond the closing date, and potentially lead to consequential harm to me and my family. 

The bank claims that this language is in line with HUD guidelines and will not change the terms of my loan after the closing- but they are unwilling to put that in writing in this document. 

I have contacted answers@hud.gov, but am still waiting for a response.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

I was informed that there is a charged off account on my Chex systems for XXXX XXXX  from XXXX XXXX. In XXXX  I filed ( XXXX  XXXX ) bankruptcy and shortly after this was discharged they submitted a claim it was charged off. My bankruptcy was finalized in XXXX. I have contact XXXX  to make sure this was updated on my credit reports and they removed it. However it is still showing on my check systems. Please remove this.
Consumer complaint received 2023-02-24
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MOHELA (VA)

My credit was damaged by a lender who denied me online access to my daughters account. 
In 2018, I cosigned for a private student loan for my daughter. I spoke with a representative in early 2018 because I could not gain access to the online account. The representative advised me at that time that, as a parental co-signer, I was not allowed online access to her account. The loan is now in repayment and my daughter has been late on some payments, from what I understand over 30 days, but I did not have online access to confirm. I called them recently regarding a notice in the mail that said we are trying to reach me. When I called, I was informed of the status of the account. I explained and was only then advised I could set up an online account. Within a few days of my call, the lender reported negatively on my credit and I went from over 800 score for years to dropping XXXX points. 
How can a lender report someone to the credit bureau when they deny access to the very account? 
I've emailed them and have in writing where at first they said I had access from the beginning. When I wrote back to check their records and said exactly what I was told, they replied 30 days later, that a system update was done in the Fall of 2018, which then allowed access. I never received notice of this. I thought this whole time I could not see my daughters account. Even though I've asked them to respectfully remove the negative report, they say they have made several attempts to call and the account was in fact past due. I've never received a voicemail if they have called, but they have no intention of removing the negative report. I do not think this is fair debt collection practices. I was refused access to this account, never told I could gain access and ave been negatively affected by this lender and I wish only for the negative report to disappear. Thank you for any assistance you may be able to provide.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

Unauthorized claim reference : # XXXX Chime Dba : XXXX declines my dispute claim of unauthorized charges under XXXX merchant. 

I have never used this company or have tried to use them. 

Originally they had credited my a provisional amount of {$600.00}, but reversed the transactions. I have requested multiple times for documents on why this was done. 

I am upset and want to get my funds back because these are fraudulent charges.
Consumer complaint received 2024-03-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MO)

I took out XXXX student loans through Navient/Sallie Mae back then with my schools guidance several years ago ( XXXX ) My school insisted they would be manageable payments and pressured me to just sign and read later. At the time they gave me the paper they asked I sign it then and there and could read the terms afterwards. As a first generation college student, I didnt realize just how for profit my institution was ( Illinois XXXX XXXX XXXX XXXX XXXX XXXX. I took out XXXX loans in the amounts of XXXX and XXXX. The interest rate was variable. Once I graduated in XXXX, it took me a while to get finally stable so I deferred the loans as long as possible until I had to start payments. I was given a high payment rate of around {$270.00} per month ( and this is in addition to my other Sallie Mae loans. My interest rate started around 10 %. I was temporarily unemployed and was told that there were zero options for repayment since I used up my forbearance. I was given zero options and told that I either pay the listed amount of default. Those were my two options. I fell behind 3 months because I had to pay for rent with my limited income vs. my student loans. To this day I can not reconsolidate my loans due to these negative remarks for these 3 months being on my credit report. Other than those 3 month, I have paid on time and consecutively for 5+ years and my interest rate along with payment continues to soar with no options to lower either. I am now paying {$470.00} a month with interest rates of 17 and 18 %. The worst part is, on my credit report these loans are -75 % paid off. NEGATIVE 75 %. How is that even possible when a large chunk of my month income goes to the loans. I paid almost $ XXXX interest alone last year. I understand I took out the loan, I signed and I have to pay it back but this is truly fraudulent and downright terrible when I put myself through school to make a better life for myself only to have sunk myself in a hole with these student loans where the interest keeps raising, the payment keeps raising and the negative percentage I have paid off of these loans keeps getting bigger. My school closed several years ago and my government loans have been forgiven but Im still stuck with paying XXXX back in private student loans across Navient and Sallie Mae. Sallie Mae has also made my financial hardships unmanageable as well. They have also hiked the interest rate severely and offer zero options other than paying almost $ XXXX. Between Sallie Mae and Navient, my monthly payment is {$1200.00}. Both offer zero option for any type of lowered payment and state - pay or default. Those are the two options.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (FL)

On XX/XX/2023 around XXXX in the morning I stopped at XXXX to grab a cup of coffee and to use the atm. That day I had been paid my paycheck through payroll on my chime checking account and was going to pull out half of the money to deposit into my cash savings that I have in a lockbox at home. I have done this several times before even at this specific ATM. I pay for my coffee with my card and then went to the XXXX stand alone ATM and started to withdrawal {$400.00}. I went through the entire process of talking in my pen and selecting the amount and so on. Everything went fine until it was time to dispense the cash and a message popped up on the ATM screen stating " there is an issue with this transaction someone has been notified ''. I I took my card and looked in the cash area to see if I could still pull it out or if it had given it to me and the door for the money depositor would not open nor did I hear anything being dispensed. I figured I would not be charged for this transaction but it only took about XXXX seconds for me to get a notification saying that it had been taken out of my account. I contacted both financial institutions, but XXXX themselves it refused to do absolutely anything for me including give me a different number to talk to someone. The transaction went from pending to approved after a few days and I was able to file a dispute. It only took about 3 days and my dispute was denied. This is half of my paycheck that I have worked very hard for and {$400.00} is a huge amount of money to wrongfully be taken from you. I have rebutted this dispute again but I plan to take whoever I need to to court to sue them for emotional distress and get my money back. I've never in my life that this would happen or that it would be so hard to get my money back if something like this did happen. It is very obvious if the video is looked at that the entire time I was in XXXX I did not have cash in my hand nor was I giving any cash or used cash at any point. The investigation needs to be looked in better and I need to get my money back.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

LexinNexis- is reporting a Bankruptcy on my credit report and they have put in the Data furnisher as being the U.S. BANKRUPTCY COURT XXXX XXXX OF GEORGIA . Which is false. 
I have attached a letter from the U.S. BANKRUPTCY COURT XXXX XXXX OF GEORGIA. Verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify or validate any information concerning bankruptcies. 
XXXX, XXXX, and XXXX are falsely stating this information on my credit report and have yet to remove it from my credit report. 

I contacted the court, and their response is enclosed. 
It is clear they do not report to any Credit Bureau for that matter ; therefore, their initial response verifying 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 immediate I contacted the court, and their response is enclosed. 
It is clear they do not report to any Credit Bureau for that matter ; therefore, their initial response verifying 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 immediate. 
I would like for you to have them take this unvalidateable information off of my credit report.
Consumer complaint received 2022-10-28
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. (NJ)

When I reviewed my credit report, I discovered that there are many unverified inquiries in my credit report. The inquiries listed in my report were unauthorized. I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continue to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : 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 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 2024-04-10
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MIDFIRST BANK (TX)

I asked my client to request a Letter of Authorization from Midland Mortgage. My client sent me a signed copy of the Letter of Authorization completed by him for me to complete and submit to Midland Mortgage. The Letter of Authorization asks " Is the authorized party charging for their services? I responded yes. After I contacted Midland Mortgage they told me my authorization was denied nut would not tell me why and the only communication between them and me would require that the borrower be on the call. I have been doing loss mitigation for more than 30 years. I went through training in XXXX  when the XXXX XXXX XXXX XXXX rolled out new guidelines after HUD dismantled the assignment program. during that time I have NEVER seen a Letter of Authorization ask if the the authorized 3rd part charges fee for their services. At the same time I've never been denied authorization when a borrower has given me written permission to do so. Midland is clearly interfering with commerce by providing a letter of authorization that asks if the borrower is paying a fee for services rendered. The fact that borrower came to me is because they attempted bankruptcy because of the threat of foreclosure by the lender and were unsuccessful. There is no question that attorney representing the borrower in the bankruptcy charged a fee for their services. I believe that this federally chartered institution has impeded my ability to earn a living with their actions and such actions should not go unchecked.