davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-22
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. (LA)

I have been paying child support for years. The 1st case, I paid child support for a child that was not my child. I went to court and the judge did a DNA test and the child was 100 % not my child after years of paying support. The XXXX   Department of Child support, was aware and received the documents, regarding this matter and refuse to release the child support. I still have my check garnished by child support for a child that isn't my child. In addition they take the child support from each pay check as a garnishment and yet has been reporting the monthly pays as late each and every month, which has destroyed my credit and refuse to correct, my credit report and the payments history, nor will they release the garnishment for the child that s not my child.. 

In addition I have another XXXX child support garnishment that is being taking from my pay check each cycle and it is the same matter, the payments are taken out and the child service department reports the payments as late and are ruining my credit. After taking the monies directly from the check. XXXX Child support, XXXX, XXXX and TransUnion, have all taken part in a plan to handicap me financially. The FAIR CREDIT REPORTING ACT, clearly states that if a item is intentionally been reported incorrectly or if the information has been reported incorrectly, that it must be removed and never reported on the credit file again. This is a clear cut case of child support showing on a credit file for a child that is not my child and child support payments, not being reported correct and showing as non payments being made, after the monies are garnished from my payroll check.
Consumer complaint received 2019-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (AK)

*Contacted Specialized Loan Servicing requesting payoff of total balance owed on XX/XX/2019. 
*Request to Specialized Loan Servicing was sent via certified mail, and return verification of receipt of the request was signed by Specialized Loan Servicing XX/XX/2019. 
*Received a phone call from Specialized loan Servicing XX/XX/2019 requesting documentation of identity and ownership of property. 
*Requested documentation required by Specialized Loan Servicing was mailed XX/XX/2019. 
*No response to request of payoff amounts have been received. 
*Specialized Loan Servicing states on their web site that payoff quotes are typically provided in 5 business days. Thus far, we are close to 90 days without any response as to the payoff amount on the mortgage.
Consumer complaint received 2022-06-14
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX BANK XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I received an email on XX/XX/XXXX from BOA indicating that there finding are correct on my credit report. The account is closed for year still shows open on current report. They are saying that a unsecured line of credit account ending in XXXX was opened on XX/XX/XXXX, and is charged off as a loss to the bank on XX/XX/XXXX. Could they show the paperwork where I signed for this account with BOA on XX/XX/XXXX. I know this to be wrong I never open this account with BOA? Please show original documents to this account?
Consumer complaint received 2018-04-23
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (GA)

Basically I reached out to the credit bureau explaining that they are reporting inaccurate information, and they then in turn reached out to XXXX 's explaining the same. XXXX 's then wrote me stating that I owe for the bill and that if I am experiencing any hardships to let them know. I then wrote a validation request letter to XXXX 's asking for any information that would make them think I am responsible for an account that I did not open. I asked for any documentation with signatures etc. They have now sent me a bill again stating I owe {$330.00}. They still are not answering the request for them to validate this debt. I have been a prior victim of fraud as well and have made this known as well. I also have
Consumer complaint received 2024-05-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company (NV)

I needed to get my car fixed and couldn't get a bank loan. Got approved with Today Cash for {$300.00} not realizing they charge an XXXX of XXXX I'm paying {$1000.00} in charges. That's XXXX x my loan amount. Should have read my loan agreement better.
Consumer complaint received 2022-11-30
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: Experian Information Solutions Inc. (GA)

On my credit report, XXXX XXXX XXXXXXXX information is conflicting between two different credit bureaus. The date opened, the high credit, the last reported and the date last active are all different between both XXXX and Experian. The information is not valid and needs to be deleted. This has been a hinderance to my lifestyle and has affect me tremendously. 

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

Account name : XXXX XXXX  XXXX Acct XXXX XXXX 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 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 the records of convictions of crime which antedated 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 2021-05-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have reviewed a copy of my credit report and I show company XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2018-04-10
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. (VA)

my credit profile indicates specious public record information. I possess no public records or bankruptcies. Information reported is specious and needs to be removed. I contacted the source and have source based data proof from the court. they state they provide no information. As information is supposedly pulled from some type of public records data, it's evident that it's incorrect and should not be reflected on my profile.
Consumer complaint received 2024-02-29
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. (CT)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2022-06-14
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX AND 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.
Consumer complaint received 2021-11-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

XXXX XXXX XXXX was seized in XXXX. They had no right to seize my property pursuant to Title 15 USC 1692e ( 4 ). Not only did they seize my property but constantly tried to make me make payments which is false and misleading pursuant to Title 15 USC 1692e ( 6 ) ( A ). They invaded my privacy pursuant to Title 15 USC 1692 ( a ). They seized my property for a debt that was already paid when i extended my credit to the bank. They are stating they are the original creditor when pursuant to Title 12, section XXXX, XXXX XXXXbanks can not loan credit, only money. Pursuant to Title 15 USC 1692 ( a ) ( 4 ) the original creditor is the one who extends credit and I extended the credit via my credit card ( SSN ). They created a false form violating Title15 USC 1692 ( a ), stating they were giving me an loan and I was a borrower, when there is no such thing as a loan in Title 15 TILA or FDCPCA. They also sold my location information and other information to a third party debt collector which is against Title 15 USC  1692c ( b ). They did not have my permission and they may not communicate with any other person other then the consumer. USAA also ruined my reputation and violated my rights by giving my information to consumer reporting agencies without my permission.
Consumer complaint received 2022-06-14
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. (GA)

I found two discrepancies on my TransUnion report through XXXX XXXX on XX/XX/2021. I went to the TransUnion site to verify because I never received a written notice from TransUnion concerning these collection accounts. Once I logged in the TransUnion website, it informed me that I had to pay a fee to view my report. I understand that I am entitles to, at least, one free report per year. TransUnion did not provide any options for a free report. These two collection accounts have decreased my credit score and has jeopardized my opportunities in getting other credit options. I have disputed both collections : XXXX XXXX XXXX XXXX XXXX My first dispute was in XX/XX/2021 and I have disputed every 3 months after that initial date. 

The creditor disappears and then re-appears on XXXX XXXX. Unfortunately XXXX XXXX is the only why I can monitor these account because I am unable to dispute or review on the TransUnion site itself. 

I am unable to apply for a home and my purchase of a vehicles ARP is 24 % due to these inaccuracies on my account with TransUnion.
Consumer complaint received 2018-04-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NV)

On XX/XX/XXXX my loans were approved for a student loan discharge do to a XXXX. I was told by NELNET that my loans would be discharged and reported to all major credit bureas that my loans would be reported closed with a XXXX balance. On XX/XX/XXXX NelNet reported my loans incorrectlly to the major credit bureas as being defered tell XX/XX/XXXX, and reported them as, transfered. Also showing a 90 day late payment which I was inschool during XX/XX/XXXX and XX/XX/XXXX. I spoke to NELNET they said they were sorry for reporting incorrectlly and, that they would fix the issue with the three major credit bureas. They also sent me a letter stating so. I just want this fixed please, I am XXXX   and this is really effecting my credit and me. I have been truned down for medical treatment that is not covered by insurance due to NELNET reporting incorrectly. At this time I do not know what to do but report NelNet, and to contact my state attroney office about this matter.
Consumer complaint received 2018-04-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I am on a monthly repayment of my student loans and the lender is relentless, I advised that repayment of the loans at their rate is putting financial strain on me and they don't seem to care at all. If I don't pay the loan per their repayment plan, I am forced to have the negative reported on my credit bureau. I have been on repayment for three years and each year, I am required to increase my payments. At this time I have Federal Tax liability of close to {$4000.00} that I am struggling to repay. To make matters worse, Navient is now servicing another private loan of mine which originated with XXXX, then transferred to XXXX and now Navient. My monthly payments for my forced auto debit repayment is {$270.00} and the other newly transferred loan is {$98.00} monthly. At this point, this hefty payment is putting a financial strain on me.
Consumer complaint received 2021-11-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (FL)

Please see complaint XXXX After numerous attempts to have my monies returned, no communication from Chase, and no action, I disputed the charges with my bank and the monies were returned. I have now received a notice from Chase that I owe them the money that they unlawfully took from my checking account, without my permission, on an account in good standing with a XXXX balance. I contacted Chase on XX/XX/2021 at XXXX EST to report the issue once more and to explain the activity. After XXXX XXXX minutes on the telephone with XXXX different people, I was told that an administrative complaint was now processed and that someone would get back to me. Whether this is a truth in lending violation or just really irresponsible service, this is horrible and I am seeking some assistance please. Someone needs to hold this company responsible and a consideration of penalties should be exercised to the most restrictive extent. Chase should be embarrassed by such poor customer service.
Consumer complaint received 2019-08-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

I apply the loan and also shop around to get best rate and best discount for my refinance. I receive letter from QuickLoans to ask to contract that they will give me better rate or they will give me {$250.00} Visa prepaid card if they are not able to match or beat my lender. I fill out online all my information and someone contact me. I have to go over 30 minutes to contract and another 20 minutes with the loan officer. But their rate is too high over 4.00 % or I need to pay points to get 3.99 %. It is too high, so I am ask regarding the letter promise/send to me. He make me contact other department to get paper. I fill out and even submit the loan estimate estimate that it shows my lender offer me better. However, they told me that I need to submit both loan estimate document and Closing Disclosure document, which I did on a few day ago, to submit to them. However they denied say that my document is not good enough to get $ XXXXVisa GC. I think they are not a great person to loan. I go to website and try to chat with someone. After enter for 15 minutes and ask my information, he just close the screen. I want to complaints to notice that other don't trust and use this since this company is very not what they promise and not try to resolve the problem, but disconnect and did not answer. This is bad if you go with them. They will promise and later there are some problem with the loan, nobody will help you. Try to avoid this company as I write to notice and don't do loan with them.
Consumer complaint received 2018-04-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: Paypal Holdings, Inc (FL)

PayPal has been processing my credit cards using their Paypal pro merchant account. They have repeatedly setup the account improperly they have caused me thousands of dollars in losses along with potential finical losses in the future due to their negligence. I have asked multiple times ( in writing ) for a head support agent to contact me to fix the issues and they keep sending me generic emails with no help anywhere in the near future.
Consumer complaint received 2022-06-14
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX AND 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.
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

Every month I go on the Victoria secrets mobile app it does not accept my sign in information. I have used my account number and that is an issue as well. I am unable to call and thats why the app is needed.
Consumer complaint received 2024-02-29
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: EQUIFAX, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-02-26
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: EQUIFAX, INC. (NC)

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 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 2022-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Being told that I have a charged off account in which I owe money on, but can't freeze card so additional charges or fees are added, also I don't have this card. Have card charged off but the last XXXX is not XXXX of mine, in which they can look and see that I am working on getting my credit score better. I haven't received paper statements as requested and neither were going up on my credit app. I would pay what is mine but the other card I don't have. Need to find out charges, when and where it was used. Prosecute
Consumer complaint received 2018-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC. (GA)

My husband and I opened accounts with suntrust over a year ago. His payroll check was deposited each Wednesday at midnight. We would set payments to disburse that next day. Suntrust would pay the scheduled amounts but charge an overdraft fee for every payment. This left our checking account in the negative on a regular basis. I got a loan to clear the account up and Suntrust continued doing the same and eventually closed our account for an extended overdraft balance of approximately {$1100.00}. We opted out of overdraft protection when we opened the account. We should not have been charged any fees with exception to check payments or ACH payments ; however, most of the fees derived from point of sale transactions and snowballed, causing all transactions to incur a fee. Again, we did not wish for nor elect to participate in overdraft protection. I have gone to the Bank physically and spoken with several bankers, including the branch manager of the XXXX, Georgia location, XXXX XXXX, with no success. I went again and was escalated to an executive team, a representative contacting me by phone once and never hearing back from him. We have added approximately {$10000.00} in overdraft fees that were taken from our account in less than one year. Suntrust has not cooperated with refunding any of the fees to date. Their handling of our funds in contrast to federal banking regulations has caused our credit scores to plummet among many other things.
Consumer complaint received 2018-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (FL)

I received a credit card offer from Discover Card. They lured me in with the PROMISE in writing for a XXXX month 0 interest rate.When I received the card, it was a lie. They stated in the advertisement that the card was guaranteed, upon approval, 0 interested for XXXX months. I was approved for XXXX and yet I only received XXXX months 0 interest, when I called them they said too bad. It was a classic bate and switch. I tried reasoning with them and was told too bad. I want the inquiry removed from my credit report. I work EXTREMELY hard to maintain a great score. They should NOT be allowed to bait and switch people.