davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-17
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: FORD MOTOR CREDIT CO. (LA)

I have told these people many times that they are reporting inaccurate information on my credit report. I have told them different laws that they are breaking and they still have not done a thorough investigation into this information. If this continues, I will seek monetary compensation for the pain and suffering that this is causing me as well as for every FCRA and FDCPA law that they are violating. Please remove this account completely from my consumer report immediately. XXXX has already removed it.
Consumer complaint received 2015-07-30
Product: Credit card — 
Issue: APR or interest rate — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I contacted USAA Bank to discuss the interest rate on my Master Card. My hope was that they would consider lowering the rate to help a customer pay down their balance. First, I understand this is their choice and had they said no because it was company regulations I would have been unhappy but accepted it. What they claim is that government regulations do not allow them to lower the rate. They said specifically that XXXX XXXX in the credit card act of 2009 does not allow. I read through that and it never mentioned lowering rates, only increasing them. 

In summary, my complaint is that they are misusing government regulations.
Consumer complaint received 2022-04-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

I previously submitted my complaint with CFPB and received a letter stating that your agency believed that someone filed this in my name. That is not the case. 
My information is as follows : Loan Status Repayment Repayment Plan Extended Repayment - Principal and Interest Repayment Start Date XX/XX/XXXX Estimated Payoff Date XX/XX/XXXX Missed Payments Alert Please contact us. 
Ready to pay off this loan today? 
Here are the amounts : Online {$9400.00} By U.S. Mail {$9400.00} Unpaid Principal {$9300.00} Unpaid Interest {$71.00} Unpaid Late Fee {$7.00} Current Balance {$9400.00} Interest Rate 3.500 % Interest rates on private loans are set by the lender. 
Interest Type XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Owner XXXX XXXX XXXX XXXX Disbursement Date XX/XX/XXXX Original Principal {$13000.00} Navient is a predatory lender that targets young people when they are most vulnerable. I was tricked into putting my loan into forbearance multiple times over the course of the last 14 years. When I did use other methods of payment they did not fully explain all the ramifications to me. My credit has been ruined by this company and they are now preying on my XXXX XXXX XXXX cosigner mother who bankrupted this loan over 10 years ago. I was not part of the settlement according to their representatives. If you could please look into this I would greatly apprectiate it.
Consumer complaint received 2022-04-17
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. (TX)

In accordance with the Fair Credit Reporting act 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 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 2.The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 3, The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2020 4.The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 5.The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 5.The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2020 6.The following account is not mine XXXX XXXX  Account Number : XXXX 7.The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2020 9.The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 10.The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 11.The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020
Consumer complaint received 2021-08-25
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. (PA)

Equifax Inquiries have not been deleted from my credit report despite submitting FTC report : XXXX XXXX-XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.
Consumer complaint received 2022-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

I've already submitted a complaint about Truist on this topic, but the response Truist gave was to tell me that they won't fix their software to address the issues I'm experiencing. 

The complaint case number was XXXX, with complaint ID XXXX I was unable to pay my mortgage because Truist 's software was ( and still is ) unable to process payments. I managed to submit payments back in XXXX by navigating their automated phone system to allow me to pay my mortgage. However, they seemed to have changed some of their phone-based mortgage payment options, and it seems like this is no longer a solution. Thus, for me to be able to pay my mortgage, Truist needs to fix their software to allow me to make an online payment. In their mailed response to me, Truist encouraged me to continue calling them through their helpline. Every time I've done so, it's taken me hours and I really don't have the time to wait two hours in a single uninterrupted block once a month just to pay my mortgage. Truist claimed that they are having no broad-based issues at this time, but that clearly isn't true if I'm trying to make a routine payment and I'm unable to do so. 

I'm really not sure what I can do other than use vacation time and take time off work to call Truist, wait for hours for them to get through the backlog of other customers having similar issues with Truist, and finally get through to them and hopefully emphasize that I'm having the same problem with their software that I'm sure other people are having. I'm not sure if the CFPB has much power, but since I can't demand that I receive a new loan service provider my only option is to continue to submit complaints to the CFPB about Truist until they produce a functional banking software system.
Consumer complaint received 2022-04-17
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NAVY FEDERAL CREDIT UNION (NY)

THIS DEBT COLLECTOR IS ADVERTISING TO COERCE PAYMENT OF DEBT WHICH IS ILLEGAL. THE AMOUNT OF ALLEGED DEBT IS IN A POSITIVE STATE. THIS WAS A CONSUMER CREDIT TRANSACTION AND NO FINANCE CHARGES WAS INVOLVED. THEIR LETTER DOES NOT DISCLOSE THAT THEY ARE A DEBT COLLECTOR.
Consumer complaint received 2024-03-11
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. (GA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-17
Product: Credit card or prepaid card — Payroll card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: ADP Inc. (GA)

My card has been locked since About XX/XX/XXXX they told me to send in documentation to get my account unlocked 2 weeks go by and my card is still locked then I get paid from my job and I go to use my money which is when I realized my card was locked still after 2 weeks of sending my documents in so I call and they said something about incorrect information was told to them and I needed further verification I sent in the further verification they asked for and theyre site says 2-3 days another 2 days go by my card is still locked now I have no way to work no way to eat no way to feed my dog or handle my business it is only XXXX in my account so when I seen it was still locked after the second time of me calling I called back and let them know I keep calling sending in verification and my card is still locked the website says 2-3 days its going on 3 weeks and some days and my card is still locked with my money in my account I called asked to transfer my money out and close the account because at this point customer service is horrible and this isnt the first time this has happened so I explain whats going on to there employee she puts me on hold several times just to come back on the phone and state theres nothing I can do but wait or send in more documents this time they asked for school verification so I sent it in again another 3 days go by I have my mother and father card they put them on hold and disconnected the line so I call again explain the situation and the lady gets very rude and nasty and hangs up in my face when I asked for supervisor and told me stop calling so I gave it a hour and called again to speak to someone new and this time she told me she will unlock my card once we hung up I checked my account and its still locked I am now very frustrated my direct deposit from work is now on hold because I explained to them that my money is just sitting in there so I dont wan na deposit any more I work a hour away and borrowing money from family friends and spending XXXX $ a day on XXXX and XXXX because I dont have the money out my account to get my car fixed to make it to work I have been asking people for money to eat because they will not unlock my account its been 3 weeks and some days my account should not be locked and I sent in my birth certificate social school report card and more. Its a huge inconvenience
Consumer complaint received 2022-04-17
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: Experian Information Solutions Inc. (MI)

A student loan was fraudulently taken out in my name ( spelled incorrectly ) ( with wrong address ) For XXXX XXXX XXXX. I have been trying to have the fraudulent information removed from my credit reports. The loan ( though XXXX was proven to be fraudulent was removed from my reports ) Now XXXX XXXX XXXX has forwarded the account to a credit agency, I have repeatedly explained this is a fraudulent account, since XXXX  it is still on the reports.
Consumer complaint received 2022-04-17
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: Key 2 Recovery, Inc. (MI)

A student loan was fraudulently taken out in my name ( spelled incorrectly ) ( with wrong address ) For XXXX XXXX XXXX. I have been trying to have the fraudulent information removed from my credit reports. The loan ( though XXXX was proven to be fraudulent was removed from my reports ) Now XXXX XXXX XXXX has forwarded the account to a credit agency, I have repeatedly explained this is a fraudulent account, since 2017, it is still on the reports.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act & Fair Debt Collections Practices Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under Title ; 5 USC 522a Privacy Act of 1974, commonly referenced as the fair information practice principles ( FIPPs ), 15 USC 1681 and 15 USC 1692 et seq.. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BUSINESS ACCOUNT CAN NOT BE ON PERSONAL CREDIT REPORT AS PER TITLE 15 USC 1681, THESE ACCOUNTS HAVE VIOLATED MY RIGHTS.

15 U.S.C. 1681 section 602 A states tthat I ahve a 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 instrutions. I have NOT given permission or written instruction to furnish an account.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer agency may make any consumer report containing any of the following items of informantion ; Any other adverse item of information, other thatn records of convictions of crimes which antendates 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

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.

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 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below.
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

On my Experian credit report there are XXXX other names and XXXX other addresses and I'm afraid that someone could have used those names and addresses to still my informations. I demand that EXPERIAN remove all those other names and addresses on my credit report
Consumer complaint received 2016-10-22
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

Since XX/XX/2016 I started a short sale process on an investment home I mortgaged through Ocwen Mortgage that 's also serviced by one their subsidiaries. I started the process early because my tenant notified me she decided not to renew her lease when it expired XX/XX/2016. Two days after the property was nationally listed, I received a decent offer from a national residential investor called XXXX XXXX. Incidentally, XXXX is a well-known enterprise within mortgagee/short sale circles. I was ecstatic. Moreover, I 'm almost certain Ocwen 's legal department is aware that XXXX is an established, stable, reputable corporate enterprise that has scattered offices throughout the US. Not to create a problem for my assigned Ocwen Short Sale Negotiator ( he 's great at what he does ) but I have issue with Ocwen 's short salel department demanding original signatures by XXXX XXXX members named on their articles of association. Such a request is XXXX near impossible to get from any higher echelon members in an expansive, regionalized corporation. Would it not be more efficient for everyone if Ocwen 's legal department would request actual signatures ( as opposed to e-signatures ) on " master '' document that could be renewed on a periodic basis and distributed to their negotiators to expedite this cumbersome, stressful process? It seems reasonable. Also, each week my negotiator requests new or updated documents to further delay the sale. Because of Ocwen 's inefficiencies and through no fault of my own, my house will soon go into foreclosure despite the fact that I have a buyer! The entire experience has been insane. Please help.
Consumer complaint received 2022-04-17
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. (FL)

Experian has recently posted within my account that there have been a number of credit card debts building in my name. I was never notified of these charges. It was only that I was able to see these charges from XXXX on their website now in XXXX. Because of this error on Experian 's part, my credit score has been stuck at a low number and my ability to participate and obtain the XXXX loan was restricted. 

The unknown charges are as follows. 

XXXX - {$510.00} XXXX- {$530.00} XXXX - {$510.00} XXXX- {$500.00} XXXX- {$500.00} XXXX- {$510.00} XXXX - {$530.00}
Consumer complaint received 2022-04-17
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: Experian Information Solutions Inc. (AL)

From XXXX to XXXX XXXX XXXX i filed a dispute Experian, XXXX and XXXX about the inaccurate reporting of XXXX XXXX -- XXXX because the Dates Of last activity shows multiple dates which a violation of the FCRA because these bureaus are not reporting accurate info on my consumer credit report. So now I'm contacting the cfpb to step in and help me get this issue resolved. I have not heard from them in over 3 months as of today. Thank you
Consumer complaint received 2022-04-17
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. (GA)

In accordance with the Fair Credit Reporting Act the follow accounts have violated my rights : XXXX XXXX. Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX. Account # XXXX and account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A, section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-17
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: ERC (FL)

There is an amount {$1600.00} that appears in my credit report with XXXX XXXX XXXXrom XXXX and XXXX which does not belong to me. I had disputed this already because in about XX/XX/2021 we disputed this I believe it was something with XXXX XXXX XXXX. We don't owe XXXX & XXXX anything. We have our account with them in good standings and it's under my wife 's name. This is afraid in my account. When we called the collection company the information they have is nothing to do with me. they had the wrong phone number, address everything, except they have my name and last name. Please help me solve this issue. Thank you very much. 

XXXX XXXX XXXX Account Balance {$1600.00} Payment XXXX NameENHANCED RECOVERY COMPAN XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXFL XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXFL XXXX
Consumer complaint received 2017-09-08
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. (IL)

Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. I am currently putting fraud alerts on my credit report and am hoping my identity does n't get stolen.