davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
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. (MS)

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. 

Account name : # 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 2022-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (AR)

I had paid off over XXXX XXXX dollars worth of student debt in XXXX of XXXX. Fast forward several months, and Biden announces student loan forgiveness. I meet the qualifications for said debt relief as I continued to make payments during the moratorium. 

I called my student loan provider, Great Lakes, and requested a refund of XXXX XXXX dollars the day after the student loan forgiveness announcement on XX/XX/XXXX. I was told I would have an email sent to me with the reference number for my request by the first customer service rep. After calling back when no email appeared, I was told no such reference number exists, and they would not provide any proof of confirmation of my request. I spoke to a manager who said the same thing. They told me it would take up to 30 days to process the request. 

I call back again today, XX/XX/XXXX, and ask about the status of my refund request. No updates are available at this time, and I am told the refund could now take up to 60 to 90 days to process. 

I want my refund so I can request debt forgiveness when the application becomes available. I understand many people are requesting such refunds and there is high volume of customer traffic. In two to three months ( which they now have warned me how long the refund will take ), it will nearly be XXXX and my window of opportunity will be closed. I worked hard and sacrificed much to pay off my debt entirely during the moratorium. I make less than XXXX but paid off over {$65000.00} in private and government loans during the moratorium. I want to take advantage of the opportunity for some debt relief.
Consumer complaint received 2020-02-27
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: LOBEL FINANCIAL CORPORATION (TX)

i have unauthorized credit inquires on my credit report, i have sent in letters to merchants who can never locate a account and i have sent letters to credit bureaus who tells me to reach out to merchant with no ACTIONS taken.
Consumer complaint received 2020-02-27
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: PRESTIGE FINANCIAL SERVICES INC (TX)

i have unauthorized credit inquires on my credit report, i have sent in letters to merchants who can never locate a account and i have sent letters to credit bureaus who tells me to reach out to merchant with no ACTIONS taken.
Consumer complaint received 2020-02-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (MD)

Santander Account number XXXX. I tried to buy a car on XX/XX/2020 everything was good ready to print documents to buy the car however Santander showed on my credit report that I owe them money. From the dealership I called Santander to find out what was owed on the account and why. The amount owed on a loan is {$880.00}. I was told the balance due is a result of the insurance company XXXX, gap insurance and a warranty payment being paid late. I called again on XX/XX/XXXX the agent explain to me the balance due on the account is from late payment and interest charges. I requested a copy of a full statement of my account showing payments that were made. I received a statement on XX/XX/2020. I called Santander to discuss the payment that they showed that is due on the account. The XXXX explain to me that I had to pay the balance due in order to close the loan. Since this is showing on my credit report I can not buy a new car until it is paid. I borrowed the money to pay the balance owed off 2 Santander. I am on XXXX I don't have much money per month and can not afford expenses like this. I have used car insurance in the past and have had no problems with gap insurance satisfying the loan to show a XXXX  balance. I believe Santander is charging me for things they should not. Please have this resolved please help me get it resolved I need help my XXXX affects my thinking and I need help to resolve this. I need to buy a new vehicle and can not do so until this is removed from my credit report. Since this is shown on my credit report it has pulled my score down very low. I have worked hard to maintain a good standing with my credit and this has ruined it.
Consumer complaint received 2019-12-04
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: EQUIFAX, INC. (NC)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.
Consumer complaint received 2022-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (FL)

United Wholesale Mortgage failed to give me 45 days notice period to purchase wind insurance. As per federal law, United Wholesale Mortgage is obligated to notify me and offer me 45 days period of time to purchase wind insurance. After 45 days they can apply a Forced Lender Insurance. 45 days never passed before they rushed into applying a Lender Forced Insurance, moreover was immediately applied in violation with the Federal Law. They have purchased insurance and charged my escrow account in violation with the Federal Law that is published on CFPB website.

This wind insurance charge was applied to my Escrow Account for unjust enrichment.
Consumer complaint received 2020-02-27
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FIRST HORIZON BANK (TN)

I am the VICTIM OF PREDATORY LENDING and I'm still SUFFERING from the ramifications of a BAD LOAN 14 years later. I filed a complaint with OCC.GOV as directed by my attorney and the TN Dept of Financial Institutions in XX/XX/XXXX and NOTHING was done. ( See attached ). 
In XX/XX/XXXX, a loan officer for XXXX XXXX XXXX offered me a Commercial Loan to buy a medical office building and he gave me a summary outline of how the loan was going to look. ( Please see attached ).

One paragraph states : " RATE : Fixed at 7.90 % for 5 year term, BASED ON A 20 YEAR REPAYMENT. '' The next line states " Monthly payment : BASED ON A 20 YEAR AMORTIZATION for the {$630000.00} ... '' Five years later in XX/XX/XXXX, the same loan officer called me to inform me that I had a BALLOON LOAN and that the balance of {$600000.00} was due and payable immediately. 
I told him that I had a 20 year loan NOT a balloon loan. I showed him the attached document that said, " BASED ON A 20 YEAR REPAYMENT '' and " BASED ON A 20 YEAR AMORTIZATION. '' Then he said, " But it says, " For 5 year term. '' And I pointed out that that paragraph is entitled " RATE '' and that the RATE was the ONLY thing that paragraph was discussing. According to the way it was written, I had a fixed RATE for 5 years and an UNKNOWN or UNSTATED RATE for the remainder 15 years. The form says in 2 different locations, " BASED ON A 20 YEAR REPAYMENT '' and " BASED ON A 20 YEAR AMORTIZATION. '' If this form was turned in to an English high school teacher or an English college Professor, I'm sure they would agree with me that the way it was written, the loan was for 20 years and had a fixed rate of 7.90 % for 5 years and an unknown or unstated rate for 15 years. This document was SKILLFULLY AND PURPOSEFULLY WRITTEN TO HIDE THE FACT THAT IT WAS A BALLOON LOAN. 
So I ended up having to file Bankruptcy in XX/XX/XXXX because I did NOT have {$600000.00} suddenly at the drop of a dime. Since I had a personal guarantee on the Commercial Loan, my bankruptcy attorney advised me to file for personal bankruptcy instead of a business bankruptcy. When I filed for personal bankruptcy, I had to include all of my bills, including my mortgage. 
In XX/XX/XXXX, the bankruptcy court Confirmed my Bankruptcy Plan which included paying a REDUCED amount on my mortgage from {$6200.00} per month to {$5100.00} per month. Now Seven ( 7 ) years later, the mortgage company has filed a Notice of Default because they said that I was supposed to have paid the ORIGINAL {$6200.00} per month all of these 7 YEARS and NOT the reduced amount ordered by the court. I only filed for bankruptcy because of a BALLOON loan that I was NOT AWARE of after being the VICTIM OF LIES AND PREDATORY LENDING by XXXX XXXX XXXX. My mortgage was CURRENT and ON-TIME at the time of filing. I only paid the REDUCED rate because I was INSTRUCTED to do so by the court! Now I'm being told 7 YEAR LATER that I should have paid the ORIGINAL AMOUNT that I had been paying BEFORE the bankruptcy!!!
Consumer complaint received 2024-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Pursuant to FCRA laws, I have the right to dispute incomplete or inaccurate information. I did not authorize these ( 8 ) inquiries. These ( 8 ) inquiries are fraudulent. These inquiries have been placed on my consumer report inaccurately and fraudulently Furthermore, I request that all inquiries are deleted immediately.

. TransUnion must provide how they verified these inquiries belong to me.

1 ) How did you verify these inquiries?

2 ) Provide an original contract/agreement with my wet signature authorizing these inquiries.
Consumer complaint received 2020-02-27
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. (CA)

I applied for XXXX XXXX today XX/XX/20 and I did not get approved because of some accounts with negative payment history on my credit report. I reviewed the accounts and I came to the conclusion that none of them belong to me. I did not open any of those accounts and I did not give anyone permission to open those accounts in my name. I did not make any payments towards any of these accounts nor did I benefit anything such as money, goods, services or any other benefit as a result of these accounts that were opened on my behalf. I have already filed a police report as well as a complaint with the CFPB regarding these accounts.
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MI)

I have been paying {$24.00} for Experian 's credit works product. I decided not to renew for month of XX/XX/2017. 
Now I can not log into my membership portal to retrieve past credit reports from 2017 which i have paid for. 
I called Experian 's membership phone number which always has over an hour wait. ALWAYS has over an hour wait regardless of what day or time I call. 
The representative informed me that I can access the portal to view my reports and Information I have paid for my converting my membership to a free membership. She said there is a link at bottom of page. 
Problem is, you must be able to sign on first, So you see whats going on. 

When I first signed up for Experian 's credit works, there is nothing in the contract which informs me that I will not have access to my paid products once I cancel. 

Experian has it set up where you must pay first before being able to log in. In essence Experian confiscates the credit reports I have paid for to force me to continually paying. Sounds like a serious issue here. 
Experian will likely try to claim that if I call the membership support number, they can provide me with a way to re-establish the free service or a way to access the portal. However, that is NOT reasonable for anyone if they continually have OVER A 1 HOUR wait. They don't even offer a call back option.
Consumer complaint received 2019-08-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MS)

On XX/XX/XXXX Well Fargo Dealer Services received a payoff on my white XXXX XXXX XXXX Wells Fargo has not taken this car off my credit report. I have been in touch with them and they promise to take it off, but they have not done so. This is affecting my credit tremendously and I want this taken care of asap. I would appreciate any help I can get with this matter. Thank you in advance.
Consumer complaint received 2020-02-27
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: EQUIFAX, INC. (CA)

I applied for XXXX XXXX today XX/XX/20 and I did not get approved because of some accounts with negative payment history on my credit report. I reviewed the accounts and I came to the conclusion that none of them belong to me. I did not open any of those accounts and I did not give anyone permission to open those accounts in my name. I did not make any payments towards any of these accounts nor did I benefit anything such as money, goods, services or any other benefit as a result of these accounts that were opened on my behalf. I have already filed a police report as well as a complaint with the CFPB regarding these accounts.
Consumer complaint received 2020-02-27
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: Consumer Portfolio Services, Inc. (TX)

i have unauthorized inquiries on my credit report i have reached out regarding inquiry and i either get no response or unable to locate file but no one has taken the initiative to remove they unauthorized inquiring.
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, my name is XXXX XXXX and I am a victim of Identity Theft. The following fraudulent account was removed from my credit report and now it is re-reporting : Office of Attorney General Opened : XX/XX/2005 Amt. XXXX Credit Bureaus if they re-insert a removed item from your credit report without notifying you in writing within 5 business days. 

Consumer protection afforded by the FCRA. 

FCRA Part ( A ) ( 5 ) ( B ) ( ii ) Fine:XXXX
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My personal information should read as follows on all consumer reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX
Consumer complaint received 2020-02-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (CA)

Hello, There are two charges for pay-off letter when I was closing the loan with FalgStar Bank. 
The first one was made on XX/XX/2020 ( and I was aware of this ; this was made by my new lender ). 
The second one was made on XX/XX/2020, and I do not know who made that request. When I asked the rep over the phone on XX/XX/2020 to give me the information of who made that request, she was unable to give me that info ( there was no info ). 
So, before I closed the loan I called them and waiver was applied to one of the charges. Then I was told that a check will be mailed for this charge ( {$30.00} ). 
Last time I had a chat with a rep on XX/XX/2020, she told me that the waiver was approved, but you are not going to receive a check simply because the loan is inactive. 

Ticket # for this is : XXXX
Consumer complaint received 2020-02-27
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. (OH)

TRANSUNION IS CURRENTLY REPORTING AN ACCOUNT BY XXXX/ XXXX ON MY TRADELINES ; THE ACCOUNT IS CURRENTLY REPORTED PAST DUE AND CHARGED OFF. I CALLED XXXX AND SPOKE WITH XXXX WHO IS A SUPERVISOR WITH THE COMPANY ; I SPOKE WITH XXXX ON XX/XX/2020 AT XXXX IN REGARDS TO THIS ACCOUNT THAT TRANSUNION IS REPORTING. XXXX CONFIRMED WITH ME THAT XXXX/XXXX  CONTACTED THE CREDIT BUREAUS TO HAVE THIS ACCOUNT REMOVED FROM MY TRADELINES BECAUSE THE ACCOUNT HAS BEEN REPORTED WRONG. 
I HAVE DISPUTED THIS INFORMATION WITH TRANSUNION ON SEVERAL OCCASIONS ; TRANSUNION ALWAYS STATE THAT THEY HAVE VERIFIED THE INFORMATION AS BEING REPORTED AS ACCURATE. THERE IS NO WAY THAT TRANSUNION COULD HAVE PROPERLY VERIFIED THIS INFORMATION ESPECIALLY SINCE XXXX  AND XXXX  IS NO LONGER REPORTING THIS ACCOUNT AS THEY HAVE MADE THE CORRECTION. TRANSUNION ALWAYS STATE THAT THEY VALIDATE AND VERIFY THE INFORMATION THAT THEY HAVE REPORTED. XXXX FROM THE COMPANY STATED THAT ALL OF THE CREDIT BUREAUS WERE NOTIFIED ON XX/XX/2020 INCUDING TRANSUNION AND SHE DOES NOT KNOW WHY TRANSUNION WON'T REMOVE THE ACCOUNT ; THESE CALLS WERE RECORDED AS WELL IN THE EVENT OF LITIGATION. 
TRANSUNION NEVER FAIRLY INVESTIGATE DISPUTES AND CONTINOUSLY REPORT INCORRECT INFORMATION ON THEIR REPORTS. I NEED LEGAL ASSISTANCE WITH TRANSUNION ESPECIALLY SINCE THEY ARE NOT FAIRLY INVESTIGATING OR REPORTING INFORMATION ; PLEASE INITIATE AN INVESTIGATION ON HOW TRANSUNION IS CONDUCTION THEIR DISPUTES.
Consumer complaint received 2020-02-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CURO Intermediate Holdings (NV)

In XXXX I took out a loan with Rapid Cash and paid half that debt. I was left with owing them {$270.00} which I didn't pay and it went into collections and has been on my credit for the last 2 years. I haven't had contact with Rapid Cash since XXXX. As of XX/XX/XXXX Rapid Cash forged a cashiers check in my name with my banking information and paid themselves {$270.00} without my authorization. I filled a fraud claim with my bank and they put a block on my account and are investigating it. I'm filling a police report too. I called Rapid Cash to get the person who illegally forged a check in my name, they were unable to give me that information. When I spoke to the lady who works at Rapid Cash she said they haven't been able to get ahold of me and are allowed to do that. Forging a cashier check without authorization on a 3 year old loan that has been on my credit for 2 years is illegal!
Consumer complaint received 2020-02-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION (TX)

I was told I was approved for a {$8000.00} loan and the guy name XXXX told me I had to get my account balance up before they could deposit the loan so at he XXXX me do was go the a store and purchase XXXX XXXX gift cards to get my availability balance up. Never thought it was a scam bc he knew all my information already
Consumer complaint received 2020-02-27
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. (FL)

PLEASE FIND THE ATTACHED DOCUMENT WITH THE DEROGATORY ACCOUNTS THAT HAS BEEN TARNISHING MY CREDIT AND MY SSN. THE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT AND I WOULD LIKE FOR THEM TO BE REMOVED IMMEDIATELY. THIS SITUATION HAS ME DISTRESSED AND I CAN'T BELIEVE SUCH THING IS HAPPENING TO ME. I HAVE NEVER HAD NEGATIVE ITEM ON MY CREDIT AND BECAUSE OF THIS IT IS HARD TO ACQUIRE NEW CREDIT.
Consumer complaint received 2020-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I opened a " free '' checking account with these crooks and they have ( without any disclosure mind you ) been taking {$5.00} out of my account each month. By the time I logged in and checked they had already stolen {$25.00}. Then I performed a standard ACH to get my money away from their dishonest hands and they charged a {$3.00} fee. This was not a wire or any other form of escalated activity. In fact it took them nearly a week to disperse the funds to my other account.