davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I received a loan XX/XX/XXXX DISBURSEMENT {$16000.00} I made payments totaling ( {$18000.00} ) with the last payment being XX/XX/XXXX. 

None of the payments were applied property to the account. The loan was sold off. I stopped paying the loan and making payments after speaking with Navient as to how my payments were being applied. 

I had {$470.00} in late fees over the course of XXXX years. 

From the report on Navient 's site I see ( {$3200.00} ) in interest over the course of the loan. 

Very quickly the amount should be {$16000.00} - {$18000.00} in payments XXXX late fees XXXX in interest = {$1800.00} should be the total I have called and called during normal business hours and they phone # tells me to call back during normal business hours. It is a scam.
Consumer complaint received 2022-06-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022 XXXX
Consumer complaint received 2020-04-06
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: EQUIFAX, INC. (MD)

THE XXXX AUTO XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2020-04-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SOUTHWEST COLLECTION SERVICES INC. (CA)

I received a notice in the mail for 4 different collection amounts. I have been disputing this with my insurance and the medical office for over 3 years now. I called today to pay the amount owed but was not willing to pay a ridiculous amount of interest. I explained due to the situation we are in being I'm the only one working and my husband having XXXX  XXXX XXXX XXXX I can't pay the interest but will pay the original amount due. He stated in order to get it off my credit I had to pay the interest, I said ok fine then I will call the medical office where this came from and pay them directly since they don't own the account he said. He then stated I can't do that cause it will not come off my credit. I said if you don't own it how will it not come off my credit report, cause we reported you he stated. He also told me he looked me up and saw what I do for a living so I must know what I'm doing and need to pay them. He also told me he sent me 24 notices which is incorrect. Once I got a hold of the medical biller ( XXXX  ) at the doctors ' office they told me I can pay them directly without interest and they would take it off my credit. I ended up paying the collection company cause they harassed me and told me it would not go away and that they can show the court when we go how many times they've contacted me which is incorrect. I would like the money I paid to them for interest and to take it off my credit report back.
Consumer complaint received 2022-12-29
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-12-29
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-03-18
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)

This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) an on Transunion it's ( XX/XX/XXXX ) on XXXX its XX/XX/XXXX If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 

Account name : XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Timely payments have always been a priority for me on this account, ensuring they're never overdue. I'm unclear about why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be enacted.
Consumer complaint received 2022-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NC)

I normally only use Wells Fargo Bank to pay my car loan and personal loan. Both are almost paid off. I needed a cashier 's check to pay state taxes and my depositing bank is out of state. So I and my husband sent funds by XXXX and check to the XXXX account on XX/XX/22 and early morning ( XXXX AM ) on XX/XX/22. I sent via XXXX {$1500.00} on XXXX and {$1500.00} on XX/XX/22. Two checks from XXXX for {$700.00} and {$6000.00} were deposited on XXXX. About XXXX on XX/XX/22 XXXX and I went to Wells Fargo to get the cashier 's check. I went inside the bank and was able to complete the transaction to obtain the cashier 's check and then go to the post office. 

Today, when I went online to pay my car note I saw that I was {$6000.00} overdrawn. When I called Wells Fargo I was told that the funds hadn't cleared from XXXX 's ( my husband ) account. But, his bank indicated that they had. After asking for a supervisor, I was told again by the supervisor that the funds weren't available. When I asked why this wasn't caught when I physically went into the bank and it should have showed on the bank teller 's screen that my funds would have been insufficient for the amount, the supervisor admitted that " yes, that's true, but... 

I'm upset, and frustrated. I don't feel I'm being treated fairly with this and that this should be corrected on their end. The funds have been disbursed and I should not have to pay overdraft fees, etc... This is not the first time I have felt dishonored by Wells Fargo. When Wells Fargo learned in a phone conversation I had with a supervisor XXXX XXXX years ago that I had changed my depositing bank from them to my present out of state bank, the woman on the phone became haughty and immediately changed the terms of my loans. She didn't even state what the changes were being made. But, I saw where the amount of the personal loan had changed, I don't recall about the car loan. That's why just as soon as the loans are paid off, I am telling them goodby.
Consumer complaint received 2020-04-06
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. (MI)

Dear CFPB, To whom can help me. TransUnion is continuing to violate my rights and continues to violate FCRA Laws put in place to protect citizens of the United States of America. TransUnion continues to report a fraudulent address on my credit profile for many months after disputing it. TransUnion has re-inserted 2 fraudulent accounts back into my report without a 5-DAY FORECAST, a forecast that protects the  consumers and gives them a chance to contest the reinsertion of a deleted account. No furnisher, creditor, debt collector or credit bureau is legally allowed to reinsert it, or disguise it and re-report it, without notifying the consumer and giving he/she the opportunity to contest it. TransUnion has violated this law and thus has violated my rights. Please delete the fraudulent accounts and address listed below : ( 1. XXXX XXXX XXXX XXXX : Credit Card -- > deleted -- > Reinserted without notice -- -- -- -- -- - XXXX -- -- -- -- -- -Closed - {$0.00} -- -- -- -- -deleted -> reinserted under false procedures ) ( 2.  XXXX XXXX : Credit Card -- > deleted -- > Reinserted without notice -- -- -- -- -- -- -- -- -- -- XXXX -- -- -- -- -- -- -- -Closed - {$0.00} Deleted -> reinserted under false procedures ) ( 3. Inaccurate address -- -- -- -- -- XXXX XXXX XXXX, XXXX, MI XXXX -- -- - ) This is the 4th and final attempt, I can not allow TransUnion to continue decimating my credit profile and humiliating me by denying me the right to transportation and housing. This will be my intention to suit TransUnion for poorly procedures and violating my rights and the FCRA Laws. Thank You in advance for your help, effort, and time.
Consumer complaint received 2022-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (MA)

I had called in 2018 to speak with someone about this debt. This credit card is a store card in which I never opened. I could never fit in the clothes that they sell. It's a plus size store and I am only a size XXXX. They told me that I had no choice but to pay it. 

I had made a payment of XXXX dollars just to get it off my report because they said they would do a pay to delete. They took my money and it is still reading as charge off and not updated to paid at least because it was never deleted.
Consumer complaint received 2022-06-03
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. (NV)

In accordance with the Fair Credit Reporting act Convergent Account, XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Pursuant to 18 U.S.C, I owe no debt. These companies are violating my consumer right to privacy pursuant to 15 U.S.C 1681b 2. These companies have NO permission to report ANYTHING using my information pursuant to 15 US C 1681 4
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (PA)

On XX/XX/28, I leased a new vehicle from a XXXX dealer, ( XXXX XXXX ) and they used Experian as the credit agency their bank required. After some difficulty because I didn't know the password to Experian to unfreeze my report, the dealer successfully got what they needed, and the lease was completed. On my next credit card bill I noted and complained to XXXX XXXX about a charge for {$10.00} on the statement. Because it is so difficult to communicate with an Experian agent, I ultimately accepted that this must be a one time charge related to the report the leasing dealer needed. I wrote it off as another bad experience related to Experian, who, unlike XXXX XXXX and XXXX, constantly sends emails promoting their memberships, identity theft service and the like, to the degree that I blocked their emails. Today, I noted another charge for {$10.00} was pending on my credit card, and was successful in calling the company, talking to an agent and cancelling my " trial membership '' which I mentioned to the agent I had not requested or made. The agent XXXX XXXX? ) said she cancelled the " trial membership '' and made no effort to do anything further regarding the charges, but pitched some services and noted that my " membership '' was good until XX/XX/XXXX. She also noted that when the membership is cancelled, the lock on the account would be removed, although I asked and was assured the freeze on my credit report would remain. I plan to dispute the current pending charge when it gets posted, as I have already attempted to deal with the company. Although this is the kind of tactic many businesses use, I didn't expect it from a major credit reporting agency, although I now see they are among the most complained about businesses.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax is reporting the exact same installment account twice. 

XXXX XXXX XXXX XXXX Charge-off {$7300.00} This account is being reported twice it has caused me and my family irrecoverable harm,
Consumer complaint received 2022-06-03
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. (NV)

In accordance with the Fair Credit Reporting act Convergent Account, XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Pursuant to 18 U.S.C, I owe no debt. These companies are violating my consumer right to privacy pursuant to 15 U.S.C 1681b 2. These companies have NO permission to report ANYTHING using my information pursuant to 15 US C 1681 4
Consumer complaint received 2022-06-03
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. (FL)

You are in violation of my rights according to the 15 U.S.C. 1681 Code, not only do I have a right to privacy, I did not give you written consent to furnish anything on my report. Nor, is the information reporting 100 % accurate and must be deleted. 
There are unauthorized inquiries on my credit report and need to be deleted immediately XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America ATM accepts checks for deposit into their financial institution and does not verify if check is fraudulent. 

On XX/XX/XXXX my mortgage loan was paid in full at XXXX. XXXX sent an escrow refund check no XXXX in the amount of {$930.00} dated XX/XX/XXXX to my sold address. The check was deposited into the perpetrator 's Bank of America savings account. ( XXXX ). 

I contacted XXXX asking for my refund check and they sent me a copy of the negotiated check. The check was cashed fraudulently and XXXX submitted a claim on or around XX/XX/XXXX to recover funds from Bank of America. As of this date, no progress has been made to recover these funds. XXXX issued a provisional credit on XX/XX/XXXX of {$930.00} to my XXXX account. That credit is temporary until Bank of America returns the funds to XXXX. 

On XX/XX/XXXX a XXXX XXXX check no XXXX in the amount of {$300.00} was posted XXXXand on XX/XX/XXXX a XXXX XXXX check no XXXX in the amount of {$300.00} was posted on XX/XX/XXXX were also stolen from that address and most likely deposited into the same Bank of America Account XXXX 

I filed a police report no. XX/XX/XXXX with XXXX Police Department. I have filed with XXXX Executive Office Complaint No. XXXX XXXX. 
The XXXX XXXXXXXX XXXX office has subpoena information on this as well. 

I am asking that Bank of America seek the perpetrator and recover the funds.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (IL)

In XXXX of 2020 My wallet was stolen. I had State ID and Social Security with {$40.00} dollars in it. I filed a police report and set up an alert for credit monitoring. I have been trying to get in contact with someone in that office to help me verify my Identity and keep getting the run around. I never established I PIN for a freeze and I keep requesting user ID and Password reset and I am not getting any emails with instructions to do so. I recently been aged medical coverage under my mom and have to apply myself. But I can complete the process without verifying my Identity. I was given a number to call from XXXX XXXX to verify my Identity and when I called they said they couldn't help me and asked that I call customer service. ( Which I thought thats who I was talking to. ) Now here I am 3mths later still trying to find out what went wrong and how can I fix this so I dont have a problem applying for anything. Note : I have my new state ID and my social security card with the same number and was told by social security office that I needed to get in contact with experian with the problem Im having. 
Please help me fix this problem
Consumer complaint received 2023-02-28
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. (IN)

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 Account # XXXX, Account name : XXXX Account # XXXX, Account name : 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 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 2020-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

This complaint is related to a previous filed complaint XXXX regarding my student loan servicer American Education Services ( AES ). To summarize, I have been enrolled in the Income-Based Repayment ( IBR ) program since XXXX and due to an error in the annual recertification process in XXXX, all unpaid accrued interest on my student loans was capitalized in XX/XX/XXXX. The resolution of the previous complaint was a retroactive reversion of the capitalization of interest on my loans in XX/XX/XXXX. However, two months later in XX/XX/XXXX, I was notified that during a review of my account, it was discovered that there was interest that was not capitalized as expected and that your account has been adjusted and, as a result, there has been an increase to your account balance. Essentially, the interest capitalization that had been retroactively reversed had been re-applied to my account undoing the resolution of my previous complaint. I have since been in contact with AES on at least three occasions over the phone attempting to resolve this situation. The customer service representatives have acknowledged the issue and supposedly it is well documented in my account, yet well over two years time has passed and nothing has been done to resolve this issue.
Consumer complaint received 2022-12-29
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. (TX)

in accordance with the Fair Credit Reporting see below has violated my rights. 
Acct XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX XXXX Card Acct XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct 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 2020-04-06
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including many bankruptcies. My identity has been compromised and it is very upsetting to see the amount of accounts that were open under my name. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX/XXXX  XXXX {$670.00} XXXX/XXXX  XXXX {$510.00} XXXX/XXXX  XXXX {$5200.00} XXXX XXXX XXXX  XXXX XXXX {$470.00} XXXX XXXX XXXX {$350.00} XXXX/XXXX  XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$0.00} BANKRUPTCY XXXX DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}