davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
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. (GA)

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 Account NumberXXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2019-10-15
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. (TN)

I would like to complain about the experience with Experian and their refusal to assist with the removal of the removal of XXXX XXXX  from my credit report. Even with pointing out their inaccuracies on my report. I had asked for proof to be provided to me on how they validated as the information being reports is false or they are reporting a past due on what is showing as a charged off account and should state {$0.00} past due as the debt was since written off. They fail to do so. They are reporting the term as 10 months in which I included the documentation from closing disclosure which is included. I am hopeful by filing a complaint it should bring awareness to the behaviors they are committing and their refusal to assist with repairing credit. I am sure these creditors pay to add whatever they wish and Experian is allowing it! However my report must be 100 accurate and it is not!
Consumer complaint received 2019-10-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MONEY SOURCE, INC., THE (NM)

Multiple requests have been made from the new lender for the mortgage payoff, The Money Source has refused to cooperate and send over the information while denying that any such requests have been made. Constantly getting the run-around from staff at The Money Source. Rude employees with an abundance of unwillingness to help!
Consumer complaint received 2022-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (CA)

EVERY TIME I GOTO LOG ON PNC WANTS TO RESET MY PASSWORD BUT IF I GO TO THE WALK UP TELLER THEY DONT COMPLAIN ABOUT PASSWORDS. 
THIS HAPPENS WHETHER I ENTER THE ATM CARD NUMBER OR THE COMPLETE BAK ACCCOUNT NUMBER
Consumer complaint received 2021-07-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (MA)

Hello my name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX, MA XXXX. I went to the local TD bank to open my account but the bank says there is already an open account under my name and SSN number so they. They gave me this website to report fraud. My SSN XXXX. My phone XXXX
Consumer complaint received 2015-04-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (WA)

I am writing you this letter to dispute XXXX Mortgage late payment history from XX/XX/XXXX-XX/XX/XXXX due to their loan modification program that I did n't sign up for. In XX/XX/XXXX I was approached by XXXX Mortgage about being qualified for a loan modification. I declined the loan modification, only to have XXXX mortgage hold my payments as well as give me alternative payment dates. From the information XXXX provided me I thought I was 3 months ahead on my mortgage payment, only to find out because XXXX held those payments I was 3 months behind. 

I went to refinance my home in XXXX XXXX and was told there was a hardship attached to my credit, as well as late payments due to XXXX mortgage loan modification program. I have attached a screen shot of my account showing my loan modification documents are still under review XX/XX/XXXX. I as well continue to receive letters from XXXX mortgage concerning my loan modification that I never signed up for. 

I spoke with a XXXX Mortgage rep XXXX XXXX, XX/XX/XXXX, and XXXX reps told me all the information I provided above was correct and that indeed XXXX did hold my payments and I was still under consideration for a loan modification. My account was escalated to XXXX Mortgages home owners support specialist team. I have spoken to over XXXX people regarding this issue at XXXX Mortgage several have stated that the problem would get fixed but it has n't. 

This has caused serious damage to my credit, XXXX needs to step up and fix their mistake. It took me calling XXXX Mortgage for the company to even notice a loan modification was still pending on my account 4 years after I turned it down. That 's just ridiculous. 

I ask that all payments from XX/XX/XXXX-XX/XX/XXXX be corrected to Payed on time due to the loan modification I never signed up for. Since disputing this information my loan has been sold. Attached you will see that I have never been charged XXXX late fee
Consumer complaint received 2019-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Student loan was initially through XXXX. I had applied for student loan forgiveness. Loan was transferred and during this process the loan appears closed on XXXX XXXX  and my credit score went down 32 points!! The account is apparently still active as I still have a balance of XXXX dollars and I still have a payment due as ofXX/XX/XXXX. This is unacceptable.
Consumer complaint received 2023-04-04
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. (MI)

Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account XXXX XXXX DEPT OF EDXXXX XXXX Account name : # XXXX, Account name : # 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 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2019-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I went to XXXX XXXX XXXX in XXXX California from XXXX to XXXX. The location closed. My original loan was through XXXX XXXX, then XXXX and now Department of Education. I am now an income-based repayment plan which is been very low or zero and so Ive now I have accrued over {$20000.00} in interest in the last XXXX years. I didnt start making more than my loan until XXXX! 

Even the Department of Education is giving awesome repayment plans but it just keeps the interest stacking up. So I have got to pay it for 20 plus+ years before I get forgiveness unless I work for a nonprofit.
Consumer complaint received 2019-05-08
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. ()

I went to apply for a pre approval for a home loan and the lender told me that I was not able to get pre approved because of my credit. I then went to my bank because I thought maybe they were not telling me the truth and my bank who I have been with since I was a teenager told me the same. There are some things on my credit that is not mine. I've contacted the FTC and the police department. I'm acting on my own behalf. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX and an account that don't have a name but the account is XXXX.
Consumer complaint received 2023-04-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (NC)

To Whom It May Concern, I purchased my vehicle, a XXXXXXXX XXXX XXXX at the beginning of XX/XX/XXXX. I made all my payments on time or earlier than the due date until I became XXXX in XXXX. At the time, I was employed as a XXXX XXXX and was not able to work due to the worsening of the XXXX I received on XXXX XXXX in the United States XXXX XXXX. I contacted Wells Fargo numerous times and spoke to several different loan employees explaining that I was waiting for the XXXX of North Carolina to pay me my short-term XXXX pay. The last person I spoke to at Wells Fargo was rude and nasty as I was explaining my situation to her. Within a few days of this last conversation, my vehicle was repossessed leaving me with no way to go to the XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX, to obtain medical care for my injuries. When I received my XXXX XXXXXXXX pay, I caught up on my payments and asked for the exact pay-off amount of the loan. The Wells Fargo lady I spoke to acted like she did not want to give me this information. I paid off my loan in full and expected my credit report to report this ; however, my credit report shows that the loan was charged off. I will find all the pertinent information if it is needed for my claim to be processed.
Consumer complaint received 2022-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: OPORTUN FINANCIAL CORPORATION (OH)

I seen an ad on XXXX XXXX for the Oportun XXXX by XXXX. Their website clearly states that you can get Prequalified without affecting your credit score. This implies a soft inquiry before you apply with a hard inquiry. When you go through the steps it does a hard pull, not a soft pull. That is false advertising as a hard pull does affect your credit score.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Central Holdings, LLC (TN)

[ CREDIT CENTRAL - XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX CREDIT CENTRAL XXXX, SC XXXX ] NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL IN REGARDS TO CREDIT CENTRAL - XXXX Account number XXXX I am writing to notify you of a serious violation of my consumer rights by your institution. It has come to my attention that you have furnished my nonpublic personal information to third parties credit reporting agencies including [ XXXX, XXXX, XXXX ] without my explicit permission, thereby breaching the confidentiality and trust that should be upheld in our business relationship. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I demand that you cease and desist from further disclosing my personal information without my consent.

Furthermore, I hold your institution liable for any damages that may have resulted from this violation, including but not limited to harm to my credit report. As such, I hereby demand compensation of {$1000.00} for each violation and adverse effects on my creditworthiness and financial standing. 

Failure to rectify this matter promptly may result in further legal action to protect my rights and seek appropriate remedies. Please be advised that I am prepared to pursue all available legal avenues to ensure accountability and restitution for the harm caused.

I expect a response from your institution within 10 Business days confirming that corrective measures have been taken and providing details of any restitution offered. 

Thank you for your prompt attention to this matter. I trust that you will take the necessary steps to address this violation and prevent any future breaches of my privacy rights.
Consumer complaint received 2023-04-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: OLD REPUBLIC TITLE HOLDING COMPANY, INC (NV)

I sold my house to pay for XXXX school and received XXXX in escrow from title. I was told at the end of my process the final payout was XXXX total with XXXX going towards my new house. I got XXXX and 8 days later I am being asked for XXXX back because title over paid me and made a mistake. I applied ALL the funds towards my XXXX school and am being harassed to pay the money or they will be withdrawing my entire XXXX that was paid. I have no idea how I am at fault for this and why Im being asked for money that I was told was mine 8 days after my money was given to me?
Consumer complaint received 2021-03-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Social Finance, Inc. (VA)

SOFI lending sent me an offer for a private student loan which I had some interest in for my son 's current tuition and cost of living. SOFI does not disclose any details on loan terms until after your application is approved so I submitted an application to see what the terms would be. After SOFI approved my loan I asked for the terms and found the terms nearly userous in spite of my stellar credit and asked them to cancel my application immediately which I was assured would happen. 

Within two days hence I recieved a " notice of disbursement '' to XXXX  XXXX and SOFI had released funds against my wishes. I called quickly and asked them to stop payment and they said " too late '' I would need to contact XXXX XXXX to return the funds putting the entire burden on my shoulders for their mistake. 

I have subsequently spent TWO MONTHS making more than 30 phone calls and countless hours negotiating the return of the funds between XXXX XXXX, State of VA, SOFI, and XXXX. The funds dissappeared multiple times for weeks at a time in the handling process leaving me wondering if they were permanently lost or stolen. It was so easy for SOFI to release funds without my go ahead, yet nearly impossible to get them returned. 

While this was happening the loan aged to a point where it was greater than 60 days past due, my credit file has been impacted along with late fees that SOFI wants to collect. 

All in All a horrifying experience mired in loan shark mafiosos tactics that need to be cloesly monitored for this fringe operator. SOFI seems to aim for the minimum standard of compliance and and may be operating below the legal compliance threshold to keep their cost low and profitability high. 

Their servicing arm XXXX was 45 days in arears on data flow and has kept me in their collection system long after the refunded loan proceeds were credited to my account, seems like a violation of law here. 

Please get eyes on SOFI and XXXX to straighen these systemic failures from ruining the lives of other unsuspecting consumers. 

SOFI needs to clean up their act or get banned from doing business in my state.
Consumer complaint received 2020-02-26
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: Colony Brands, Inc. (FL)

XXXX XXXX shows they had to write off/profit and Loss for XXXX. I paid this off XXXX XXXX reporting to the credit bureaus all three that this was a writeoff. I provided proof and sent the proof to all three bureaus and they all three advised me that the creditor has to remove the current status to list it as paid in full. When I spoke to the creditor they stated the bureaus have to remove. No one wants to correct my credit. I need your assistance to get this corrected. Please see the attached bank statement showing a payment of XXXX paid in full. 

XXXX XXXX Account number : XXXX XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Unauthorized Personal Information Disclosure : The disclosure of my personal information to credit reporting bureaus without my explicit consent may violate the FCRA, the Privacy Act of 1974, CFR Title 16, Part 313, and the UCC 's consent mandates.

Discharged Debts Still in Collections : The continued collection efforts on discharged debts represent a breach of the FDCPA, UCC Section 9-607, underscoring the need for accuracy in debt collection practices.

Misrepresentation by Debt Collectors : Misrepresentation regarding debt collector identity and debt nature directly violates the FDCPA, UCC Section 1-202, requiring transparent and accurate debt collection practices. 
Lack of Clear Opt-Out Notice : Failure to receive a clear opt-out notice for the use of my personal information breaches the FCRA, CFR Title 16, Part 313, and the UCC 's consumer information protection requirements. 
Failure to appropriately credit my account with dividend payments made off treasury coupon nor certificates of indebtedness due following a charge-off, which constitutes an error under the Electronic Fund Transfer Act ( EFTA ) , 15 U.S.C. 1693-1693r, and its implementing Regulation E, 12 CFR Part 1005. This notice is to inform you that the anticipated adjustment through certificates of indebtedness has not been processed correctly, adversely affecting my account balance and my rights under the EFTA.
Consumer complaint received 2023-04-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (ID)

On XX/XX/XXXX, I purchased a refrigerator from American Freight located in XXXX. The total cost of that item was {$2300.00} with tax. There was a finance option available through American First Finance, which is what I signed up for. I enrolled in auto-payment, agreed to pay {$160.00} Biweekly, and paid diligently until today ( XX/XX/XXXX ). Today I decided to check on the status of the payment, and I realized I have thus far paid {$3400.00} and yet still paying for the item I bought. The new total amount of the item is {$8400.00}, and I have no idea when did that happen. I understand there may be some increase in price due to the financing option but I have paid {$1000.00} more than what I signed up for already. What is baffling is, the company wants me to pay {$6000.00} more than the actual price of the item. This is a rip-off of the consumer in broad daylight in the name of a contract. This is an exorbitant amount for nothing, with no justification at all. I do not remember signing this contract at all, if I knew about such hidden claws I would have paid the full amount during the purchase. 

I called American first finance and they offered " settlements '' in which they asked me to pay another {$1300.00}, {$1000.00}, or {$950.00} extra to close the case ( which is in addition to what is already paid i.e $ XXXX {$950.00} ). This is a rip-off of the consumer in the name of a contract, with no warning, and no written communication in between. 

I would like a refund of {$1000.00} and close the case.
Consumer complaint received 2022-01-25
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: Experian Information Solutions Inc. (NC)

I am XXXX XXXX, I have been reporting that there are accounts on my credit report that were not mine. It has been 60 days yet I haven't seen any changes. I am disappointed of how you guys investigate my credit report as I requested last XXXX months. How could I explain to you that these negative items reflecting in my credit report is affecting me and also the financial stability of my family.
Consumer complaint received 2022-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am XXXX XXXX, I have been reporting that there are accounts on my credit report that were not mine. It has been 60 days yet I haven't seen any changes. I am disappointed of how you guys investigate my credit report as I requested last XXXX months. How could I explain to you that these negative items reflecting in my credit report is affecting me and also the financial stability of my family.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC (FL)

I recieved forcolsure notices on XXXX from Amerihome and the foreclosure process was set out to start on XXXX but we sold our house and paid off AmeriHome on XX/XX/2020. 
AmeriHome is reporting on our credit report that we have a foreclosure and it is prohibiting us from buying a new home.