davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-10-02
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. (FL)

In accordance with the Fair Credit Reporting act 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 XXXXXXXX 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
Consumer complaint received 2023-03-14
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (GA)

Nelnet is reporting incorrect payment history on my credit reports. My account was not late and has been in a deferment/ forbearance status. Upon being approved the agent said this would re-age the account and my payment history would not be impacted. 

However to my surprise Nelnet is reporting all my accounts with late payments. XXXX reporting 4 accounts with 3 late payments each. XXXX reporting 4 accounts with 5 late payments each. XXXX reporting 4 accounts with 5 late payments. However the account shows current in XXXX and 90 days past due in XXXX, 120 days past due in XXXX, XXXX, XXXX, XXXX and current in XXXX. This is clearly incorrect as you cant go from current to 90 days past due to 4 months at 120 days late. 

I have attached a picture from XXXX and XXXX showing the same account reported late at different times. the information must match or be removed as incorrect & false information. 

Account number : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

I have had multiple issues with my mortgage company servicing my loan Specialized Loan Servicing. I am currently trying to refinance the loan and they are not working with the new mortgage company. 

Issue 1. I got the loan back in XX/XX/XXXX. I attempted to set up ACH automatic payments right away and was told I could not and would have to way 6 months before I could. In XX/XX/XXXX I went on the website and set up ACH automatic payments. Come the beginning of XX/XX/XXXX I received notification that my loan was past due. After getting this notification I immediately called SLS and asked them what was going on and why my ACH wasn't happening. They said they did not see it setup. I immediately paid it the balance due and from what I recall they told me they would look into it. I also asked to make sure we get the ACH setup and was told we couldn't because My loan was past due. At the beginning of XX/XX/XXXX I went on a cruise and didn't hear anything back before I left and then completely spaced it afterwards. 

Issue 2. Fast forward to now. I am trying to refinance my loan now that I have a more stable income and am working with Quicken loan and they told me that SLS is not reporting my loan to my credit and they also asked why there was 3 payments made in XX/XX/XXXX. They said that this will hold of the loan if SLS is reporting the payments over 60 day late and would disqualify me. XXXX Said they have tried to contact SLS multiple times when no success. I called SLS on XX/XX/XXXX to get these answers myself. When I asked why they said they did not know why it wasn't being reported and I asked how the Missed payments in XX/XX/XXXX and XX/XX/XXXX would reflect and also mentioned to them I never hear why the ACH did go through. They said they would have a Manager contact me. I have not heard anything. I called again today XX/XX/XXXX and I asked for a supervisor and the lady I spoke with said that there is not one available. She asked if this was in regards to my loan not showing up on my credit and I said yes among the issue back in XX/XX/XXXX with the Auto payments and why this never was looked into etc. She said she would escalate the issue immediately and she forward my phone call to another number that Said they were currently closed and to try back later. I was unable to leave a VM. 

They have failed to follow up with me to help me understand why my automatic payments didn't go through and did nothing to help rectify the situation and now they have failed to follow up with me of why things aren't be reported to my credit and why they have not followed up with the company I am trying to Refi with. They have also failed to provide me with all correspondence sent to me. 

Also SLS has failed to return calls to the mortgage company I am attempting to refi with which is XXXXXXXX XXXX. SLS is not providing the servicing duties and for the lack of better wording is not doing their job.
Consumer complaint received 2023-02-18
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. (CT)

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 A : 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 2023-02-24
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. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 correct XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$160.00} XXXX XXXX XXXX  {$0.00} XXXX XXXX  XXXX XXXX  {$4000.00} XXXX XXXX XXXX XXXX  {$32000.00} KXXXX XXXX XXXX  {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX  {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$2400.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$39000.00}
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear Sir/Madam, I am writing to file a formal complaint regarding fraudulent activities related to my mortgage account with XXXX XXXX  XXXX . My previous complaint number, XXXX, was closed as a duplicate but needs to be corrected. My credit report indicates that my mortgage account with XXXX XXXX  XXXX is past due, and I have undergone multiple loan modifications without my explicit consent or knowledge. I have never authorized any loan modifications or extensions of credit with your company. Therefore, I am formally requesting a complete copy of all loan modifications, extensions of credit, and reverse loan documents associated with my mortgage account for the last XXXX years and to the current year of XXXX. It is imperative to highlight that the Fair Credit Reporting Act ( FCRA ) mandates the accuracy, fairness, and privacy of information held by consumer reporting agencies ( CRAs ), which includes your organization. The inaccuracies and adverse reporting from XXXX XXXX  XXXX have had a detrimental impact on my credit report, preventing me from disputing the erroneous information effectively ; furthermore, despite my repeated requests, they are not duplicates. 

XXXX XXXX XXXX must provide the necessary documentation to verify the accuracy and fairness of the reported information, Including a formal request through the CFPB legal process through complaint number XXXX. This lack of transparency and cooperation is unacceptable and compounds the severity of the situation. By XXXX XXXX  XXXX refinancing the home equity loan without obtaining consent from each owner, the lender disregards the property rights of the individuals involved. This contradicts the spirit of the constitutional provision, which aims to protect homeowners ' interests in their properties, and violates Property Rights. I am officially requesting that XXXX XXXX  XXXX provide all the documentation under the Fair Credit Reporting Act and for XXXX and TransUnion, as XXXX XXXX  XXXX fails to provide the requested documentation to verify the accuracy and fairness of the reporting. Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt exists, and the fraudulent credit report item should be removed from the credit report.
Consumer complaint received 2023-12-29
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (SC)

I am disputing my Mattress Firm account furnished by Synchrony Bank. 


Over a year ago, I called Synchrony Bank to close my Mattress Firm credit card account due to financial hardship. 

They close my Mattress Firm account. 

I asked for a payment program to pay the balance I owe to Synchrony Bank. 

They did gave me a payment plan program of {$50.00} to pay on the account every month. 

XX/XX/, my Mattress Firm account was {$1300.00}. 

My current balance on my account has increase to {$2300.00}. XX/XX/XXXX XXXX Synchrony Bank added over {$1000.00} interest on my account after XX/XX/.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (TX)

XXXX PNC Bank reported me XXXX late on a XXXX note when I was XXXX paid ahead and note pd in full in XXXX yrs causing my XXXX XXXX to drop XXXX.
Consumer complaint received 2023-02-24
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$12000.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-12-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (PA)

this account does not belong to me, details belowe TRANSWORLD SYSTEMS INC Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2000.00} Amount {$2000.00} Status Date XX/XX/XXXX Status UNPAID date Delinquency XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-02-24
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. (IL)

I AM A VICTIM OF FINANCIAL IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW XXXX XXXX CT IL XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CT IL XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX 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 : states a consumer reporting agency can not furnish an account without my written instruction. 

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, 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 or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2019-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Equifax is always problematic. There is always an issue with online freezing and unfreezing credit. XXXX   and XXXX are quick and easy. Every time we have tried to freeze the account with equifax there has been an issue and we have to call. Their online freeze has never worked. Today there site is completely unaccessible. We are trying to do an unfreeze. Equifax always gives us problems and treats us like we are subordinates when we call. My wife was in XXXX XXXX last time we tried and they allowed me to upload the power of attorney my wife had left me but told me it would take about a week to 10 days for them to be able to honor it. We weren't able to do the online freeze. They also would not allow me to connect a call with my wife to avoid the high cost of calling from XXXX XXXX. We finally got the freeze by calling after my wife got back from XXXX XXXX, but it was an arduous headache. They told us that my wife 's account had mysteriously been associated with the SSN of a dead person. HOW!?! The other 2 bureaus had the SSN correct. We answered their security questions correctly! We called the social security administration and they told us there was no such issue! Equifax goofed the SSN on their own. TODAY : their site is unavailable and we don't want to have anything to do with them anymore. We are considering freezing with just the other 2 bureaus and leaving equifax open ( IF AND WHEN WE CAN EVER REACH THEM ). We have tried for over an hour now and we get the same attached error. Every other site pulls up instantly. The other two bureaus and every other search we try. We even XXXX  and tried clicking every other equifax link in the search results. I am sure that in response to this complaint Equifax will give you scintillating tales of how they have a fabulous response time and this is strange news to them. Perhaps they will say that it was a XXXX day update. Is this compliance with the 1 hour rule? Is their God-complex what you want your friends and loved ones to be subjected to? What angers me the most is that as consumers, we have absolutely no recourse.
Consumer complaint received 2019-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (PA)

My American Express Membership Rewards transfer is still temporarily suspended even though I have met all spending requirements on all credit and charge cards, old and new and paid all my balances. I believe that all spending are qualified and there was no return. I called the customer service, but the transfer they helped me with also failed since American Express stated that they are still reviewing my purchases. In their reply to my last complaint I submitted on XX/XX/XXXX, they claimed that my newly approved American Express Everyday Preferred card on XX/XX/XXXX was the cause of the delay of the review process. But I have met all qualifying spending criteria on this card and have paid all due balance without any delay or any return. I requested American Express to provide me with information that I can help them to understand my spending and the estimated review end date in my last complaint, but they failed to provide me with such information I requested in their response, which prevented me from helping them with more information. Today is XX/XX/XXXX -- it has been more than two months, but my online transfer page is still empty and calling customer service still does not work. This delay has already seriously affected my travel schedules and have brought so much frustration during this holiday season. I have been a loyal American Express customer. But since their response without helpful information to my complaints, I have switched to use other card providers more than American Express cards during this shopping season, and the miles and points got posted and used without any trouble with those other cards. If this frustration continues, I will reconsider if American Express cards suit my credit card needs in the future.
Consumer complaint received 2023-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (OR)

My mortgage was sold to BSI financial. They were horrible from day one. They were late to notify on how to make payments to them. They didnt send me a welcome package on how to navigate their website or how to create a log in. I called them when my first payment with them was due and the lady on the phone sounded like she had 3 kids making lunch and was short and rude on the phone. 
Now I got a check from them which I assume is the escrow portion of my payments for my property taxes. Or maybe my insurance. Its ridiculous why would I pay an escrow to have the money sent back to me. What if my taxes are late or my homeowners is late?
Consumer complaint received 2023-03-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC. (TX)

I HAVE ALOT I'M DEALING WITH AND I'M HONESTLY OVER WHELMED WHENEVER I CAN BE ABLE TO PAY I WILL DEFINITELY DO THAT TRYING TO SURVIVE FROM PAY CHECK TO PAYCHECK IF YOU CAN CONCIDER THIS IT WILL MEAN ATLOT
Consumer complaint received 2022-10-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I contacted XXXXXXXX XXXX  several years in an attempt to resolve a past due balance on my XXXX XXXX XXXX. I asked for a supervisor several times because I wanted to have late fees removed in order to pay my balance in full. I eventually got to a supervisor and told him I just wanted to get the matter of the fees to be dealt with and I would be able to pay my balance in full. 

He lead me to believe that I was going to have my fees waived and would be able to pay my balance, however what he actually did was he entered the payment I made as a " settlement '' and closed my account. And now I have this account flagged as a settlement on my credit report, which was not what I agreed to, this has caused me measurable financial harm and this complaint is my last resort before filing suit in small claims court. 

Attempting to resolve this with XXXX I was told by a representative that I did agree to a settlement for less than the full balance, which is blatantly dishonest, I paid the full amount of all funds received and asked that the late fees be removed, to call this a settlement for less than the full balance is something I consider to be almost defamatory as the account was " settled '' and closed without my informed consent.
Consumer complaint received 2023-03-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC. (FL)

Every month NETCREDITXXXXXXXX XXXX report to every credit report agency ( XXXX, XXXX and XXXX ) that payment is due, late or delinquent on payment. Company Reporting late payment on credit report are illegal : under 15 U.S. Code 1681a ( 2 ) Exclusion consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. Meaning everytime NETCREDIT/XXXX XXXX  report a late payment on consumer report is a violation of {$1000.00} under 15 u.s.c section 1681n