davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/XXXX I noticed some unknown, unrecognized and unauthorized inquiries on my TransUnion, XXXX and XXXX consumer reports. On XX/XX/XXXX & XXXX XXXX, I informed TransUnion, XXXX and XXXX of the unauthorized use ( 15 USC 1602p ) on my report. I required TransUnion, XXXX and XXXX to provide me with actual proof of a wet signature and credit card ( 15 USC 1602l ) with it applying for credit from those companies that TransUnion, XXXX and XXXX are willingly and knowingly reporting false information on my consumer report. I required TransUnion, XXXX and XXXX to delete these items from my consumer report immediately. They are harmful and detrimental to my personal living mode as well as to my family. To date, TransUnion, XXXX and XXXX has yet to respond to the letter sent through the mail. I demand TransUnion, XXXX and XXXX to delete the unauthorized, unverifiable and unconfirmed inquiries on my consumer report. Refusing to delete these unauthorized inquiries without proof of authorized use will be a liability of willful noncompliance. Pursuant to section 616 ( a ) ( 1 ) ( A ( B ) of the Fair Credit Reporting Act. I demand that TransUnion, XXXX, and XXXX delete these inquiries from my consumer report or I shall seek monetary relief due to the harm and stress as a result of this false information TransUnion, XXXX and XXXX is reporting on my consumer report. TransUnion XXXX XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I require you to delete these unknown, unrecognized and unauthorized inquiries and update my consumer report, and send me an updated report.
Consumer complaint received 2017-07-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NV)

In XX/XX/XXXX I attempted to refer my payments or at least pay based on income. Navient made it extremely hard to complete my request. Their website is not user friendly, attachments need to be a particular size, and they would n't let me submit the document over email after I request. After I eventually submitted all the paperwork the way they required, there was no follow-through. I never heard if they were going to action or if they even received my request. I took out loans every semester XX/XX/XXXX-XX/XX/XXXX. I owe around {$33000.00} in student loans. I finally have a job where I can afford to start to pay students loans but I 'm concerned that I 'm going to be paying too much. My monthly payment is currently {$340.00}. I will try to get it reduced again but by what I 've read online, it seems like they are not going to work with me. I truly wish I could transfer my loans to a more reputable lender whose customer service actually operates as if they care for the borrower. Additionally, like other borrowers I read about online, they have very limited and vague contact via email i.e. " New Document Is Ready To View '' emails.
Consumer complaint received 2021-04-19
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)

i have monitoring my credit files and notice that Equifax credit bureau have a problem with my consumer files, when i request information or summit disputes on my Equifax i notice that there is a problem and makes me call equifax that has a error code NH and when i log in in my Equifax does not show any information, no credit cards no credit history, no collections, no payment history also notice that my credit score last update was on XX/XX/XXXX i had few items deleted but not posted on my records also investigating this information found the credit karma is not receiving updates from Equifax XXXX XXXX last update was summit XX/XX/XXXX and there is no accurate information since this items were deleted from all 3 credit bureaus, i notice that credit karma have not removed this information, i have called Equifax on dates XXXX XX/XX/XXXX with case numbers # XXXX -case number XXXX problems with internal server and also i have requested Equifax to provided with a full report to identify changes on my credit, i have apply for 2 credit lines one of them was home depot and they were not able to look my Equifax credit score and report i was decline for credit and since creditors are not able to look my full complete files but there were able to look all the informations before XX/XX/XXXX ( LAST UPDATE FROM EQUIFAX ) this problem have cost me the ability to obtain credit, if this problem does not get resolve I'm force to take any legal action obtain monetary relief, the Fair Credit Reporting Act ( FCRA ) and FEDERAL TRADE COMISSION ( FTC ) does not allow the inaccurate reporting of information on my credit report, i will summit documentation to show the errors and missing information on my credit file as a consumer, i can't get no credit lines for this problem and is very frustrating that equifax does not know correct this properly.
Consumer complaint received 2022-12-18
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. (GA)

In accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2024-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (PA)

Hello, my mortgage was bought by Mr. Cooper from XXXX in the beginning of this year. 
there are several issues, all related to terrible communication with and from the company. 
Issues : 1. I've been bombarded with robocalls from the cooper, but their system would not connect properly - there is at least 30 30-second deadline before the message begins. That led me to drop the calls considering it to be a mistake. Today I waited long enough to hear that they are trying to collect debt. since the loan is still in 60 60-day grace period - this is a mistake. there was no option to connect with a human to rectify the issue. 
2. All calls to their customer service department, as well as all options on the website and in web chat provide the same automated and unhelpful responses. There is no option to connect with a customer service rep. Today, after 4 or 5 attempts I somehow was able to connect to a service rep in a completely different account. She kindly resolved my questions in 6 minutes. 
My total time spent trying to get to a CS is 49 minutes.
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I tried going through the centralized website XXXX and then through XXXX to get my credit report as I believe I am the victim of identity theft. 

Neither are willing to help me even though I verified all the credit information questions over the phone for XXXX. Since I am living abroad in XXXX where I am a student, they are refusing to help me see my credit or to mail the credit report to either me or my family. 

They are negligent in their responsibility to help me and are endangering me by being irresponsible and now I am unable to act to secure my credit or my identity. 

The US government should fine these companies and provide a public option.
Consumer complaint received 2022-05-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (SC)

Dear CFPB, I have been paying on my student loan for over 7 years. My balance does not go down it in fact continues to escalate higher. I have asked on an occasion for a full audit of my account and never received it. Last year my account balance was approximately {$47000.00}. Today, I looked online at my balance and it is now at {$49000.00}. At the this rate there is no way I will ever see this balance going down. The interest rate is approximately 6.25 % pretty high for paying back a student loan. I am paying approximately {$340.00} per month and have paid higher amounts. Having paid over {$28000.00} on a loan that had a did not have a balance higher than {$40000.00} and as of 2022 to still have a balance of {$49000.00} shows that this will never be paid as nothing is going to the principal. I do not receive paper statments which I have asked for on numerous occasions and sometimes I receive them but most times I don't. I'm completed frustrated with this process. I am a XXXX XXXX who had hoped to be clear of this debt by now but at this rate it will never happen. 

Regards, XXXX XXXX
Consumer complaint received 2022-05-30
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, # XXXX  XXXX XXXXXXXX XXXX XXXX # XXXX XXXX Account XXXX # XXXX  Account 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY (VA)

On XXXX XX/XX/2022, I received a TD Bank Visa Debit Card ( XXXX XXXX in the mail via USPS. I did not apply nor do I conduct any banking with TD Bank. On XXXX XX/XX/2022, I contacted TD Bank fraud ( XXXX ) XXXX and spoke with XXXX ( fraud customer service associate ). I provided XXXX with my information and she informed me she was revoking this card reported as fraudulent. My hope was that she would also close out any bank account that was fraudulently set-up to request this TD Bank Debit XXXX, but this first needed to be reviewed by TB Bank fraud team.
Consumer complaint received 2022-12-18
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. (TX)

I have several unauthorized inquiries on my credit report that I did not authorize. The inquiries are fraudulent and we're performed without my authority. The inquiries are fraudulent from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (GA)

I requested an investigation of balance on consumer report 15 usc 1681i ( a ) ( 2 ) tilte oder dispute with regard to the completeness an acurracy of any information provided by a person to a consumer reporting agency the person ( A ) conduct an investigation with respect to the disputed information 15 usc 1681 ( B ) ( C ) ( D ) ( E ) ( ii )
Consumer complaint received 2022-05-30
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. (TX)

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 an account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-12-18
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: Accscient, LLC (NC)

I disputed with this company a month ago and their information came back verified. But I stated then that I was a victim of identity thief and that should have never came by verified. I recently went to XXXX 's site to see if my information was compromised in the actual breach and it was. Attached are documents with my claim number for compensation for damages done to my credit and my whole life. 
I request that this fraudulent information and accounts and addresses used for fraudulent activities be deleted for my report immediately!!
Consumer complaint received 2020-12-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX ( These have numbers where it says account name on my report and I dont understand that ) XXXX XXXX, XXXX XXXX, XXXX XXXX, UNIVERSITY XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX.
Consumer complaint received 2020-12-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingPoint Holdings LLC (MI)

My payments are not being applied to principal according to online reporting. I spoke to representative regarding the issue over a week ago that told me an accountant would review it and reach back out to me. I have not heard back from anyone.
Consumer complaint received 2022-05-30
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)

I am submitting this complaint on my behalf because Transunion has failed to comply with requirements imposed under 15 US Code Subchapter III and Regulation V 12 CFR 1022 and is liable pursuant to 15 USC 1681n ( 1 ) ( a ).
Consumer complaint received 2024-04-09
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit reporting act this creditor has violated my rights. 15USC1681 section 602 states I have the right to privacy. 15USC1681 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card/account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLIANT CREDIT UNION (KY)

I never received my card. 
After my pay was deposited it was all stolen off my card. 
I never received it and never got to set my pin. 
Alliants response was sometimes cards get stolen but we don't cover that. 
This is wrong. 
I also asked for the information they used in the investigation and they refused. 
I've been banking with alliants for XXXX  months and never had a problem untill now.
Consumer complaint received 2022-05-30
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: EQUIFAX, INC. (FL)

I am submitting this complaint on my behalf because Equifax has failed to comply with requirements imposed under 15 US Code Subchapter III and Regulation V 12 CFR 1022 and is liable pursuant to 15 USC 1681n ( 1 ) ( a ).
Consumer complaint received 2022-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Account number : XXXX  Account name : XXXX XXXX XXXX In Date opened : XXXX  Balance : XXXX This account was opened I had no acknowledgment of it it is not my account it should be not on my credit it should be taken off immediately I have reached ou
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (MN)

US bank is creating fraudulent information in my name. I have asked them to cease this illegal action and they are refusing. this is not only my right but also their legal responsibility. US Bank is claiming they closed a account in my name in 2018 leaving a balance of {$170.00}. 

the transaction claimed to have cause {$170.00} in overdraft fees was declined and returned us banks own policies took 5 days to recognize them to charge {$35.00} dollars a day in overdraft fees which they continued to do for 5 days. This practice is illegal. and violates my rights and neglects their lawful duty. i demand this account be closed and removed and i be granted payment for my financial loss pain and suffering for the years of financial harm resulting from this malicious act. 

this has stopped me from opening bank accounts, getting a vehicle, driving my children to school, maximizing my credit, providing financial disclosers. has given me anxiety dealing with the financial world and affected my ability to live my life.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (PA)

My accounts were with Wells Fargo for XXXX  years. I had bill payments set up and they sent them several weeks prior to my request. This was not authorized by me. I asked why and they gaslit me and were evasive and never gave a response. Then they shut my debit card without notice causing a lot of stress. I asked repeatedly and again they were evasive and gaslighting. They seem to enjoy being rude. Seems like they dont have any regard for their customers as can be shown by the many class action lawsuits against them. Ive slowly been closing and limiting my account with Wells Fargo due to far too many bad business practices I have seen them do. I kept XXXX account open minimum funds. Accidentally a bill pay which I forgot to switch over to a new bank and account went to Wells Fargo. That transaction put my account at XXXX dollars. The next day XX/XX/24 I initiated a transfer from a current bank in the of {$190.00} to cover that and to put some extra into this we account. While waiting for this to post I got an overdraft fee of XXXX then the next day another overdraft fee because again a bill that went to wf in the amount of XXXX. Wells Fargo still hadnt posted the funds ( XXXX. ) I had transferred in to cover the XXXX charges of {$54.00} and {$7.00} So there were now to exubrante overdraft fees if {$35.00} each posted. Wells Fargo seems to have selective posting. They repeatedly show shady practices. I contacted them however the customer service people were rude and annoying. They seem to breed a culture of gaslighting and annoying customers. They would not assist. They said that the automated system said I had an overdraft fee reversed several months ago. I closed my accounts at that time and the remaining account was at minimum funds. Every opportunity they get to swindle customers they certainly do, seems like they are set up to do harm to consumers and steal from them. This is horrible
Consumer complaint received 2022-01-26
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: EOS Holdings, Inc. (PA)

Hello, I have recently noticed fraudulent activity on my credit report. I believe I am a victim of identity theft. There are accounts on my report that I did not authorize. I have a security freeze and should have been notified before my information was ran. These fraudulent items are reporting inaccuracies to my which are affecting my relationship with creditors. Please investigate these matters and remove the disputed items.