davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-30
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. (FL)

To CFPB From XXXX XXXX XXXX Dated XX/XX/XXXX To Whom it may concern, I am writing this correspondence in the hope that you can get a 30-day delinquency error removed from my Credit Report. XXXX XXXX XXXX made a posting error and posted my payment to one of my other four XXXX XXXX XXXX accounts and sent me a two refund checks and marked the account in question 30 days late. I have written to them several times and call them with luck, they sent me a letter ( attached ) stating that the delinquency was reported as accurate.This is not the case, They made the error in posting the proper account To : Correspondence Card Services Dated XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX From- XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Fl XXXX Dear XXXX XXXX XXXX, Im am writing you this letter to advise you of a posting error that has occurred on my account ending in XXXX XXXX XXXX.This account was reported 30 Days late on my credit reports and Im am requesting that the 30-day delinquency be removed and listed paid as agreed. I was notified via of email by XXXX Credit Reporting service on XX/XX/XXXX XXXXof this 30-day delinquency and immediately called your bank. 
I received a refund Check/Overpayment check dated XX/XX/XXXX ( XXXX XXXX Check Number # XXXX ) in the amount of {$190.00} ( See Attached copy of Check ) that was posted to XXXX XXXX XXXX XXXX and should have been posted to account XXXX XXXX XXXX XXXX. 
I received a second Refund /Overpayment check Dated XX/XX/XXXX in the amount of {$190.00} from XXXX XXXX XXXX ) your Check number # XXXX. This amount ( {$190.00} ) was posted to account # XXXX XXXX XXXX XXXX and should have been posted to account XXXX XXXX XXXX XXXX ( The account marked 30 days late ). Causing the account to go delinquent. My other accounts with XXXX XXXX XXXX are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely XXXX XXXX
Consumer complaint received 2022-01-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Social Finance, Inc. (NY)

They offer rate to 5.99 % They run the pre-calification and offer a good rate.. But after They note your accent speaking, they increase.. 


They offer me 8.99 % by 5 Years. 

and after They move to 27.95 % They are making something bad things...
Consumer complaint received 2015-07-23
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

XXXX XXXX XXXX XXXX. put a lien on a home my husband and I are selling next month. My name has not been on the title to this home for most of the 9 years we owned it because I was afraid cavalry would do this. But a few months ago we put my name on the title. ( thinking cavalry 's long arm had shriveled back due to credit card debt expiration laws in this state being 7 years ... ) I called them and settled to pay XXXX so the home can sell ). But their practices have been illegal and abusive. 

1. They bought an old debt of mine from around XX/XX/XXXX from Bank of America. I moved to XXXX in about XX/XX/XXXX and they had a lawyer in the state2. that shamed me into sending them XXXX via XXXX XXXX to settle the case. 

3. They never sent me a receipt for the money. OR reported it on my credit report. 

4. In the state of XXXX that debt should have expired. 

5. Now in XX/XX/XXXX they have placed a lein on this house which we are selling and their letter to the Title company states a date of XX/XX/XXXX. Which is falsified. This debt should have expired. 

6. Also, this home was NOT used to secure any debt with Bank of America ( or XXXX ). IT SEEMS that The lien should not be attached to this property legally should IT??? 

Also, in XX/XX/XXXX when they first badged me by phone they sent me a judgment. I was so ashamed ( newly married ) and afraid of being father abused verbally by them in court that I did not go. 

7. I wrote them letters explainable my situation, that I had become XXXX after selling a home in XXXX ( to pay all my credit card debt off!!! and I did pay around XXXX to citicard, etc., but I kept Bank of America because the interest was 4 percent fixed. But alter selling my home I became manic depressive and could not do simple paperwork and the bank of America card never got paid. Of course XXXX did not care about anything but making money from me. ( I NOW know ... ) 8. According to XXXX 's RANDOM and undocumented BOOK-keeping -- - that old XXXX dollar debt they bought from Bank of America around XX/XX/XXXX -- has ballooned ( after their 'legal fees ', 21 % DEFAULT interest ' etc. to almost XXXX! 

I attach images of the paper work. to substantiate my claims. Thank You.
Consumer complaint received 2022-01-30
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: Synovus Bank (GA)

This account owned by COLUMBUS BANK & TRUST, Account # XXXX is a credit card that was opened fraudulently and disputed. They refuse to remove the account from XXXX and after directly sending them documentation and disputes via certifies USPS they have not responded in a timely manner. I have sent them numerous disputes containing my identifying information as well as details of my dispute and i continually get a generic response of them requesting I send documents that were INCLUDED in each of my letters.
Consumer complaint received 2017-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NY)

I am the parent and borrowed for my daughter to attend school at XXXX XXXX XXXX College. For two years XXXX and XXXX I borrowed from Parent Plus loans. Navient has been emailing me regarding the paying back of the loan. I had sent them money for both years paying 12 months at a time as I can not afford to have another monthly bill. My daughter returned from school having finished her XXXX XXXX in XXXX. Now Navient is telling her that she borrowed {$12000.00} dollars and that she has to begin paying back. I know that my daughter XXXX XXXX had not borrowed any money from any bank because she received grants for part of her college education. They have not tried to assist us in understanding this problem. We are only being told what my daughter owes.
Consumer complaint received 2022-01-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

I posted a dining table for sale on XXXX, XXXX XXXX. I was contacted via email and asked to text reply. There were 2 phone numbers from which I received/sent texts : ( XXXX ) XXXX and ( XXXX ) XXXX. The person bought the table and paid with a cashier 's check. I deposited it to my USAA bank account as listed above, and waited 24 hours, although my bank said the money was available immediately. The person wrote the check for {$1600.00} in excess of the cost of the table and asked me to pay movers to send it. They asked me to send money to the movers via XXXX. I had never used XXXX. I sent {$1000.00} via XXXX XXXX through my bank, USAA ) on XX/XX/21 to XXXX ( my account was limited to $ XXXX ) and then I sent {$600.00} via XXXX on XX/XX/21 to XXXX, for a total of {$1600.00}. I then noticed that the cashier 's check had bounced. I contacted my bank and was told that the cashier 's check was counterfeit. I did not know such a thing was possible. My bank ( USAA ) said they would inform XXXX and the recipient 's bank. About 10 days later USAA said the recipient 's bank declined to return my funds. I got a letter stating that the recipient 's bank account was frozen, and that per XXXX policy I need to work it out myself with the recipient. This is not possible with a criminal. I called my bank back and pointed out that XXXX policy forbids use of the service for illegal activities including fraud or scam, but my bank declined to take further action. I requested a copy of the info provided to XXXX and the recipients bank, so that I could be sure that they were informed of the fraud, but USAA never provided it. I also contacted XXXX, and XXXX had no information that USAA had ever tried to contact them, which is suspicious. I have not received a refund of my defrauded {$1600.00}, although I filed a complaint with my bank and I asked to speak with a XXXX. I called them 3 times. I have the scammer 's name, email, phone numbers, and counterfeit check, as well as the XXXX and USA transaction numbers, and the report of the frozen bank account of the recipient. I am hoping someone can help to refund my money. It is disturbing that there is NO policing of the XXXX wire transfer service by banks or XXXX. I have been a USAA member for 28 years.
Consumer complaint received 2022-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (CA)

I am filing because I believe that I am very close to or have reached my 120 qualifying payments to get public loan forgiveness. I submitted my employment certification form to Fedloan Servicing at the end of XX/XX/XXXX but have still not seen them update my count with this form as well as applying what benefits I should be getting because of the PSLF waiver the Dept. of Education implemented in early XXXX. I am not 100 % sure if this is more of a delay with Fedloan or more of a delay with Dept. of Education, but I '' M desperate to see that this will be updated especially because this waiver is supposedly only in place until XXXX of XXXX. Any help on getting this addressed or moving more quickly would be greatly appreciated.
Consumer complaint received 2023-02-07
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TN)

This has happened on two occasions. XXXX as reporting an incorrect balance and multiple updates within a month on my credit file with XXXX, XXXX and XXXX. My last statement date is XX/XX/XXXX with a balance of XXXX. Since this date I had two purchases ( XXXX {$18.00} and XX/XX/XXXX {$780.00} ) and a payment of {$380.00} on XX/XX/XXXX. On XX/XX/XXXX, during the same reporting period and not the end of the period XXXX erroneously reported a balance of {$830.00} to my credit file with XXXX, XXXX and XXXX showing an 83 % utilization rate. I contacted an Account XXXX and she told me, any time you make a purchase XXXX will report it to the Credit Bureaus and I stated if that is the case why isn't the same thing done when I make a payment. If that was done the reporting would of indicated a balance of {$450.00} vice {$830.00} and a 45 % utilization rate. Additionally, she advised me the balance will update on XXXX which is the statement date. So this week I have to live with this erroneous information.
Consumer complaint received 2016-12-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had checking account with Bank of America and I was their customer for over XXXX years. 
in XX/XX/2015 I have received employment checks witch were returned for insufficient funds. and at the same time I wrote checks on the same account to pay bills. The employment checks were returned for insufficient funds. I did let the bank know. the customer service at the branch understood. also I did not have the funds to deposit funds immediately to cover the shortages. when I had the funds couple months later I paid them off and closed the account.
Consumer complaint received 2022-01-30
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. (GA)

Plaintiffs, XXXX XXXX, files the following action against Respondent ( s ) XXXX XXXX XXXX, Transunion, LLC and XXXX XXXX XXXX XXXX XXXX et al for violating 15 U.S.C. 1681 e ( b ) for intentionally and knowingly failing to assure maximum possible accuracy of information contained within consumer credit reports. 

FACTUAL BASIS 1. On XX/XX/XXXX XXXX XXXX requested, pursuant to FCRA 611 ( a ) ( 7 ), a description of all methods used to investigate and/or verify the accuracy of the reported information on alleged bankruptcies filed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
2. On XX/XX/XXXX, respondents stated to XXXX XXXX that the reported alleged bankruptcy was certified as accurate and refused to remove said information. 


At issue in the foregoing complaint is the failure and refusal of Respondents to remove unverifiable bankruptcy from consumer credit reports. There exists no possibility or mechanism for a Consumer Reporting Agency to verify any bankruptcy filings in accordance with 15 U.S.C. 1681e ( b ). 

All Federal Bankruptcy Courts are restricted from public disclosure of individuals personal identifiers by Federal Court Rule 5.2 ( a ) 1-4. Therefore, not enough information is contained with a court record for a Consumer Reporting Agency to comply with the statutory requirements of the law. 

In XXXX, the Respondents settled a lawsuit brought by all 50 State Attorneys in a lawsuit pertaining to the use of public records from state and local courts. As part of that settlement the Respondents created the National Consumer Assistance Plan, which in relevant part established enhanced standards ( effective XX/XX/XXXX ) requiring that state and local court public records be reported with at least a minimum of personal identifying elements to include name, address, full social security number and a complete date of birth. 

Because no Federal agencies intervened on the behalf of consumers, the Respondents opted to disallow Federal bankruptcies in these enhanced standards and requirements. 

WHERFORE, plaintiff requests that the Consumer Financial protection Bureau find Respondent ( s ) in violation of 15 U.S.C. 1681 e ( b ) and AFCRA 611 ( a ) ( 7 ) and order an immediate halt to the reporting of bankruptcy information on all related consumer credit reports. 

Because Respondents have been fully aware that its actions violated the rights of consumers since at least XXXX, the Plaintiffs request that the CFPB join plaintiff in federal lawsuit..
Consumer complaint received 2023-07-20
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. (MD)

XXXX reported a late payment in XX/XX/2022. In accordance with the Fair Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a report without my written instructions.
Consumer complaint received 2022-01-30
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: Experian Information Solutions Inc. (AL)

I AM A VICTIMOF IDENTITY THEFT. I WAS TRYING TO BUY A HOUSE AND MY REALTOR INFORMED ME OF ALL OF THESE FAKE ACCOUNTS. THEY ARE RUINING MY LIFE. I AM GOING BROKE RENTING. I REALLY NEED HELP. PLEASE REMOVE THESE ACCOUNTS FROM MY PROFILE. ILL MAKE SURE TO MONITOR MY CREDIT PROFILE FOR NOW ON.
Consumer complaint received 2022-01-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CONTOUR MORTGAGE CORPORATION (NY)

I submitted my completed application on XX/XX/XXXX and sent it over to XXXX XXXX of Contour Mortgage on the same day. He did not confirm receipt however, he messaged me on XX/XX/XXXX to let me know that I need to submit additional information. I did and did not hear back from him until I reached out on XX/XX/XXXX and I stated " Hi XXXX- I hope you enjoyed your weekend! I just wanted to follow-up here since its been about thirty days since I submitted my application. I was wondering if you can provide an update on status. '' It was only then that they sent me additional conditions and document requests. This continued where it was radio silence for months until I reached out. If they needed additional documents, I wouldn't have known until I reached out. I provide the documents within 24 hours and still no confirmation of receipt or anything. 

XXXX XXXX also participated in deceptive practices. When he was looking to get my business, he said it would be a quick and easy process and he had recently closed a similar situation. He also lead me to believe that he would be able to refinance the home and process a HELOC loan. Unaware to me that they actually DO NOT offer HELOCs and i would have to go somewhere else to do this. This was not disclosed to me until now as we are closing. 

Now that I am closing, they have me backdating the documents. I received them on XX/XX/XXXX however the date on the documents are XX/XX/XXXX. It took over four months to close with no communication as to why it is taking so long. Now my interest rate has increased almost identical to what it is on my current mortgage however, I don't have the time to go through this process all over again. 

I strongly suggest an audit on their practices as I feel they are deceiving their customers to gain business and extend the process.
Consumer complaint received 2022-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I bought a new car in XX/XX/2021 and I went to one dealership and bought the car. XXXX and XXXX gave me one hard inquiry about the car I bought on XX/XX/2021. However Trans Union record it has XXXXour or five inquiries on XX/XX/XXXX for the one vehicle I bought I contacted them and told them that should count as one inquiry because it was to buy a new vehicle and I only went to one dealership as XXXX and XXXX agree. They refused to remove the inquiries even though they all was for XXXX item. This is not right what if I bought a house. XX/XX/XXXX inquiries should be one inquiry not 4or5. Thank you for your attention to this matter.
Consumer complaint received 2021-02-15
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: EQUIFAX, INC. (GA)

XXXX  and equifax are showing a XXXX XXXXl amount of {$21000.00} on my credit report as closed. I also filed a claim with them and they responded with the item was being deleted off my credit but nothing is disappearing after 2 months and my updating the system. My social is XXXX, my name is XXXX XXXX.
Consumer complaint received 2022-03-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (OH)

CREDITORS XXXX XXXX XXXX  ACCT NUMBER XXXX COLLECTION COMPANY : XXXX : REF ID XXXX XXXX XXXX SAYS I OWE {$390.00} CREDITORS : XXXX XXXX ACCT NUMBER XXXX COLECTION COMPANY XXXX. XXXX XXXX XXXX SAYS I OWE {$230.00} BOTH OF THESE COMPANIES WERE SUPPOSED TO COMBINE OUR TV AND INTERNET SERVICE WHEN WE HAD THEM. THEY CHARGED US INCORRECTLY AND SAID THAT WE STOPPED SERVICE BEFORE THE END OF OUR SERVICE PEIORD. I CONTEND THAT THEY HAVE DESTROYED MY CREDIT RATING BECAUSE OF INCORRECTLY BILLING ME. THE COMPANIES WERE JOINED TOGEATHER AND WE WERE SUPPOSED TO GET ONE BILL. WE DID NOT GET ONE BILL BUT CONTINUED TO GET TWO. THE COMPAINES ALSO CHARGED MY WIFE XXXX XXXX FOR THE SAME SERVICES. 

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Consumer complaint received 2023-07-20
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. (TX)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to investigate these accounts : XXXX XXXX {$13.00}, XXXX ; XXXX XXXX  {$3400.00} ; XXXX XXXX XXXX XXXX {$1000.00} ; XXXX XXXX XXXX XXXX {$500.00} ; XXXX XXXX  {$500.00} ; XXXX XXXX {$3600.00} ; XXXX XXXX {$1400.00} ; XXXX XXXX {$810.00} ; XXXX XXXX XXXX {$520.00} ; XXXX XXXX  {$540.00} ; However they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 USC 1681 i ( 5 ) they are supposed to modify the accounts that arent reporting correctly.

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( a ) ( 5 ) states no consumer reporting agency may make any customer containing any of the following any adverse item information ; other than records of convictions of crimes for 7 years.

Also they are NOT in compliance with Metro2 credit reporting. I have evidence to prove my case.