davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
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. (OH)

In accordance with the Fair Credit Reporting act XXXX 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.
Consumer complaint received 2022-03-12
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: EQUIFAX, INC. (NJ)

on XX/XX/2022 I

sent a letter regarding inaccurate and unknown things on my credit report. to this day over 30 days later I have not received a response yet I feel like im being tak
en advantage of and being ignored of my disputes.
Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BBVA FINANCIAL CORPORATION (TX)

I opened a prepaid business credit card with XXXX XXXX XXXX in XX/XX/2018. My initial deposit was {$500.00} for a credit limit of 90 %, which is {$450.00}. I made subsequent deposits inside a branch on the following dates : XX/XX/XXXX added {$250.00} XX/XX/XXXX added {$50.00} ( I was told by branch manager limit should become {$800.00} today ) XX/XX/XXXX added {$500.00} Today, I returned to XXXX XXXX XXXX   at XXXX XXXX XXXX XXXX XXXX, Tx XXXX. The branch manager didn't even acknowledge me, even after speaking with each other last Thursday XX/XX/XXXX. My credit limit remains at {$450.00} and no one can tell me where the other money is! 
I spoke to XXXX XXXX. She called the business credit card department in XXXX Alabama. She was able to send an email to an underwriter. We agreed to send a hand written letter to the underwriter. No response.
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I need to remove the Fraud alert and credit freeze off my credit report ASAP!! 

I need the updates below done. I dont have a phone number on my credit report either. New Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Job : XXXX XXXX My Phone Number : XXXX Please remove the the Alerts ASAP!!!!!
Consumer complaint received 2019-05-07
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2018-05-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

I am unable to get an amortization schedule of my loan online to determine allocation of principle and interest as well as when my loan will be paid off or when the loan will adjust since Im on the graduated payment plan. When I contacted Nelnet, on XX/XX/2018, the customer service rep was unable to locate my disclosures as well and asked to email them to me after they were requested from a different department. I called Nelnet because I noticed my original principle balance was approx $ 38k and now my payoff is approx $ 46k. Ive has my loan with them for about 8 yrs and my loan has increased about $  8k due to interest ; Ive never been late on a payment. At this rate Ill be paying on this loan until Im XXXX yrs old and my interest could easily be half of the original loan balance. I want to refi this loan ; however, Id like to see all my options to ensure Im getting the best rates and payment options. 

I know this is a violation of TILA as my disclosures should be available and accessible to me. I should know how my payments are being allocated and have been allocated as well as future allocation and rate or payment adjustments. Now I have to wait for another department to generate my disclosures. While I wait Ill become distracted with other things until I come back to it, in which theyll already have another payment with additional interest or Ill need to call back to make another request if I dont receive them timely.
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I need to remove the Fraud alert and credit freeze off my credit report ASAP!! 

I need the updates below done. I dont have a phone number on my credit report either. New Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Job : XXXX XXXX My Phone Number : XXXX Please remove the the Alerts ASAP!!!!!
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

Experian claimed to place a security freeze on my credit based on another CFPB complaint due to fraud in XX/XX/2018. Experian never mailed me a PIN number. Through the online system, i could tell that no freeze was placed. I filed a second CFPB complaint that seemed to work - the online system verifies a freeze in place. The issue is that Experian has not sent me my PIN through multiple online and 2 separate mail attempts since XXXX to retrieve or prompt for the PIN. Online attempts say that they are unable to honor my request and to mail the information in. I have sent the mail format along with requested documentation in twice! I am unable to get in contact with anyone at the company to assist with identity verification so that I can retrieve my PIN.
Consumer complaint received 2017-06-20
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)

This is my 3rd attempt at trying to resolve this matter with XXXX XXXX refuses to update inaccurate and misleading information on my credit report. Due to the multiple number of accounts listed with this servicer, the reporting of this erroneous information has caused me missed opportunities for lower interest rate opportunities as well as caused me great stress, strife and anxiety trying to communicate and appeal to the servicer to adhere to the FCRA advisory opinion which is attached and thus states : " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. '' XXXX failure to update the CRA of the RETROACTIVE forbearance status that ultimately corrected the late payment history is a direct violation of the FCRA Section 623 ( a ) ( 2 ) as well as Section 607 ( b ) which should promptly be addressed.
Consumer complaint received 2018-05-08
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: SYNCHRONY FINANCIAL (FL)

Spoke to creditor back in the month of XX/XX/XXXX and XX/XX/XXXX in regards to removing Inaccurate hard Inquiries date on XX/XX/XXXX and XX/XX/XXXX. I received a letter back in XX/XX/XXXX stating that they will remove this information and till date it still appears on my credit report causing me hardship.
Consumer complaint received 2018-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (IL)

I called chase and requested a payoff amount so that I could close my Credit Card. I was advised by representative from chase that {$4400.00} was the amount needed to payoff my card and close it out. We sent the amount and on XX/XX/2018. This paid the balance and on XX/XX/2018 I received a check in the mail from Chase for {$100.00}. I was confused so I called. I was advised that this amount was sent back to me because we overpaid. I asked if the account was closed and the rep advised that it was. I assumed my account and dealings with chase were over. About a month later I received a bill in the mail saying I owed chase {$52.00}. I called and was advised this amount was interest charged to the account. I attempted to explain that chase sent me a check for {$100.00}. The representative advised that should not have happened. She advised me I would need to pay the interest or they would report it to my credit. I have attempted to resolve this issue with Chase. However they charge me {$15.00} fees every month that this mystery interest is not paid. I did my due diligence. I called and asked how much the payoff was. I called and asked what the check was for. I was advised the account was closed and now all of a sudden I owe them more interest. This is very deceptive and has damaged my credit report. We paid a large amount of interest to chase while the card was opened and now after i have closed the account with the information they gave me. They are advising I owe them more. If I owed them {$52.00} why did they send me {$100.00}?
Consumer complaint received 2018-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Texas Guaranteed (TX)

My loan was with XXXX, they got sued by the attorney general of massachusetts I was told by a letter sent to me that my loan was back with XXXX that has been closed since XX/XX/XXXX, then I got another letter later from XXXX XXXX saying they got my loan from XXXX   allowed by XXXX and that my payment from XXXX was transferred to XXXX XXXX, XXXX   was closed XX/XX/XXXX there has not been any payment to transfer from XXXX. Now XXXX XXXX want me to pay them. Amount pretty much the same since XX/XX/XXXX when I got the loan I dont know how much I have paid over time I feel they are in cohus with the type of business XXXX was doing How do I find out how much I have paid from XXXX that my account is closed with them since XX/XX/XXXX, to XXXX who got sued during the time they had my loan with them while the were in this trtouble.
Consumer complaint received 2017-06-20
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC. (WA)

Toward the end of XXXX I received a letter from Navient informing me that they had been sending my invoices to the wrong address and that my account was overdue. This account had been in deferment for quite some time. Most of my student loans had been managed by my parents early on and I had no idea that this account was coming out of deferment until I received the letter. The past due balance was immediately paid and automatic payments were set up to avoid any miscommunication going forward. Immediately after payment they reported me 90 days late and would not see any fault in their failure to communicate.
Consumer complaint received 2022-07-11
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. (IL)

I have filed complaints with Experian concerning misleading and false reporting which is a violation of my consumer rights pursuant FDCPA/FCRA consumer laws that were created to protect consumers from such activity that this company is engaging in in relation to my personal credit reports in their database. The failure of this company to follow the law has led me into financial hardship, I have included documents that is backed word for word with the law showing this company how it is violating my consumer rights, and breaking the law!
Consumer complaint received 2022-03-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (NY)

I received a loan through Affirm Financing and was due to get a refund from them for a loan with XXXX. Two of the refunds were refunded to a closed checking account. The date of the refund was XX/XX/2022 and the amounts were {$270.00} and {$86.00}. I can supply bank statements for the account with a debit card ending in XXXX, as well as correspondence from XXXX Bank stating that the refunds were not accepted as the account was closed. 

The loan ID is XXXX.
Consumer complaint received 2018-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (GA)

I have disputed this account entry with Lexis Nexis on multiple occasions regarding the inaccuracies that are reflected among the 3 credit bureaus. In a previous dispute to them, I specifically disputed the filing dates ( each bureau reflects a different filing date ), reference numbers ( each bureau reflects a different reference number ), as well as court ( each bureau reflects a different court ) and amount. Lexis Nexis responded in their letter dated XX/XX/XXXX ( see attached ), that the bankruptcy records are accurate. Again this is untrue. There are inconsistencies among all 3 bureaus. After reviewing their response, I immediately sent them a letter addressing my concerns again, for which they had not responded. See attached return receipt card that reflects XXXX signed for the delivery of this letter on XX/XX/XXXX. 

To date, XX/XX/XXXX, I have not received any correspondence from Lexis Nexis whereby they would be responding to my letter they received on XX/XX/XXXX. In this letter, again, I made reference to the fact that there were indeed inaccuracies reflected on each of my bureau reports, but moreover, I was requesting a description of the procedure used to determine the accuracy and completeness of information that they were claiming was accurate. Since it has been 60 days since Lexis Nexis received my dispute and they have opted to not respond, these inaccurate entries should be deleted from my credit profiles immediately.
Consumer complaint received 2018-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

1. My escrow analysis for the property taxes is going up {$410.00} 2. My taxes paid to Town of XXXX for XX/XX/2018 Property tax were {$9600.00}. That is not true the taxes paid to the town of XXXX are wrong as the town of XXXX received {$9500.00} that is a difference of XXXX. see attached tax receipt from Town of XXXX XXXX 
3. I am in dispute of your escrow analysis statement that show a shortage and an increase in the monthly payments.

4. I respectfully demand you do a verified analysis as the property taxes are lower going forward.

5. I would also like to know going backward how may other times you overpaid or over charged the property taxes on this account. 
Also every month extra money is paid to the account and I believe it is no credited properly
Consumer complaint received 2018-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Moria Development, Inc. (NE)

For the third time in the past year and a half, I have gotten notices claiming that I have missed a payment on this loan, which I have not. Payments are always made from my bank 's online bill pay system for all of my mortgages, many of which are with this same lender. I have bank records that show that all payments were sent on time and that the lender cashed all of the checks, proving receipt of the payment. They just resolved the last issue in XXXX, and have now put a missed payment on my credit report for yet another issue. I tried calling the lender and they told me that I would have to write yet another dispute letter, which I have already done several times. Payments were made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2018-10-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (OH)

I paid off my loan for XXXX XXXX XXXX XXXX on XX/XX/XXXX. I made 5 years of payments. It is XX/XX/XXXX and I still have no title. I have called XXXX XXXX XXXX   several times and they keep telling me they processed it XXXX XXXX. I have not received. They seem to be very uninterested in my plight. I need help getting the title to my car.
Consumer complaint received 2018-05-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

WE ARE WRITING TO REQUEST YOUR ASSISTANCE AND SUPPORT IN WORKNG WITH OUR 2ND LENDER, BANK OF AMERICA WHO SUDDENLY DEMANDED A PAY OFF ON OUR HOME EQUITY LINE IN FULL AND KEEP REFUSING TO WORK WITH US
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX Account number XXXX ... keeps reporting a balance of {$27000.00} as of XX/XX/2018 on the auto loan that was paid in full to them years ago. At the time of the sale of the vehicle I was told that a total of {$24000.00} was recovered and no money was due from me ... Now I come to find out they reported a balance on my credit report.. I attempted to contact XXXX who sent me 2 letters back to back ( computer generated response very simply ) stating they validated this debt and contract was sent to me which was a lie. Now all of a sudden I started to receive calls from them at XXXX and XXXX on daily basis as an " attempt to collect debt '' and threatening to arrest me for an unpaid balance or send a sheriff to my employment ... This is ridiculous and should not be a legal practice for collection of the amount that is not owned in first place ...
Consumer complaint received 2018-10-23
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. (CA)

XXXX XXXX XXXX Account number XXXX ... keeps reporting a balance of {$27000.00} as of XX/XX/2018 on the auto loan that was paid in full to them years ago. At the time of the sale of the vehicle I was told that a total of {$24000.00} was recovered and no money was due from me ... Now I come to find out they reported a balance on my credit report.. I attempted to contact XXXX who sent me 2 letters back to back ( computer generated response very simply ) stating they validated this debt and contract was sent to me which was a lie. Now all of a sudden I started to receive calls from them at XXXX and XXXX on daily basis as an " attempt to collect debt '' and threatening to arrest me for an unpaid balance or send a sheriff to my employment ... This is ridiculous and should not be a legal practice for collection of the amount that is not owned in first place ...
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX Account number XXXX ... keeps reporting a balance of {$27000.00} as of XX/XX/2018 on the auto loan that was paid in full to them years ago. At the time of the sale of the vehicle I was told that a total of {$24000.00} was recovered and no money was due from me ... Now I come to find out they reported a balance on my credit report.. I attempted to contact XXXX who sent me 2 letters back to back ( computer generated response very simply ) stating they validated this debt and contract was sent to me which was a lie. Now all of a sudden I started to receive calls from them at XXXX and XXXX on daily basis as an " attempt to collect debt '' and threatening to arrest me for an unpaid balance or send a sheriff to my employment ... This is ridiculous and should not be a legal practice for collection of the amount that is not owned in first place ...
Consumer complaint received 2022-07-11
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. (GA)

In accordance with the Fair Credit Reporting act, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose