davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-24
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. (CA)

As of XX/XX/XXXX XXXX  reports my XXXX  score is XXXX. XXXX  then pulled the information from Trans Union and XXXX. Trans Union report at my XXXX  score as XXXX and the number had not been updated since XX/XX/XXXX. XXXX  report of my credit score is XXXX and that information also had not been updated as of XX/XX/XXXX. Last week I went ahead and got a free copy of my credit score from Trans Union and my score dropped to XXXX. There is NO reason for my score to drop to XXXX because weve had on time payments for almost 2 years. The problem is were trying to refinance our mortgage and this is Greatly hindering us. We had a really bad financial crisis from XXXX to XXXX. Weve had to settle debts and have worked hard to get a scores back up. 

XXXX  is the only agency that has raised our score considerably. Based on the information that XXXX  got from Trans Union and XXXX  those two score should be considerably higher too. Trans Union is not and has not been updating our score accordingly. Therefore we have not been given credit for our on time payments which is keeping us from being able to refinance our home and lower our payment so that we can expedite paying off the rest of our debt.

I feel that Trans Union, whatever their model, is designed to keep people from progressing. The system is very flawed and it keeps people in a state of being poor. They can never progress or get better because companies like Trans Union wont allow them to!
So I would like an investigation done into Trans Union & XXXX  as to why our scores are so incredibly different than XXXX  when weve worked really hard to get our score back up, and we continue working hard to settle and pay our debts so we can be in a better place. 

There should be a lot more oversight on these credit bureaus. I filed a dispute with Trans Union I never got a notification saying the dispute was settled in suddenly my score went from XXXX to XXXX. But that was after I told them that our mortgage servicer had deleted all of the missed payments. 

Until then no matter what we did our score never budged and that is a great cause for concern. 

Also I would very much appreciate it if you could send me some thing, some sort of law that specifically says that the credit bureaus are REQUIRED to report my bankruptcy for up to 10 years. 

The Fair Credit Reporting Act says that they May. I would like to get that removed in XXXX of this year. So I need some thing that says that they are REQUIRED by law to report. Because as far as my research has shown there is nothing that says if they are REQUIRED by law, it simply says that they May. Please provide the source, or cite the source thank you.
Consumer complaint received 2021-07-24
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)

XXXX XXXX XXXX have requested several time for written proof from the courts. On XX/XX/2021, which is my finial notice. 

XXXX XXXX XXXX dispute any and all alleged debt in reference to CHAPTER XXXX. Notwithstanding the provisions of section 604 [ 1681b ] or any other provision of this title, a consumer reporting agency shall furnish identifying information respecting a consumer, limited to name, address, former addresses, places of employment, or former places of employment, to the Federal Bureau of Investigation when presented with a written request, signed by the Director or the Directors desig-nee, which certifies compliance with this subsection. This error is causing emotional distress, I do not want to run the risk of being denied, paying high Interest fees, denial of lines of credit. 

XXXX XXXX XXXX dont recognize this public record so I contacted the courts and they stated that the information I gave them didnt matched that I ever filed bankruptcy in there courts ; please provide proof from the court of this public record. PLEASE HAVE IN WRITIEN WHER THE COURTS GIVE YOU PRERISSION TO ADD THIS BANKRUCY TO MY CREDIT REPORT. I never file bankruptcy ever in my life this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ; if this is not completed within 4 days.
Consumer complaint received 2022-12-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file and are listed on my credit report 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 XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-19
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. (CA)

XXXX / 90 DAYS LATE 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (OK)

I requested 2 Cashier 's Check orders electronically on XX/XX/XXXX. My account was debited on XX/XX/XXXX, and it was stated that I the checks were sent on XX/XX/XXXX. I got XXXX tracking that same evening. When I went to pick up my package, only XXXX check was inside. I called Wells Fargo customer service, and was sent to a department. They then told me I had to either go to a local branch ( there are no branches in my state ) or wait 10 business days for them to complete the transaction. The transaction isn't urgent, but I am unwilling to wait this amount of time on an issue they caused in which they never sent out the check they debited my account for. The representative then brought their supervisor XXXX on the line, and I described the situation to him. He then said he'd place me on a brief hold to research it. I waited for over 30 minutes, and then the line disconnected or they hung up on me. I was never followed up with. I have been unable to get in contact with that department again.
Consumer complaint received 2024-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (LA)

Dear CFPB, I am writing to seek assistance with a distressing matter involving Navy Federal 's failure to adhere to their XXXX liability policy after my account was targeted by a hacker, resulting in fraudulent withdrawals totaling {$65000.00}. This situation has caused significant financial hardship and stress, and I am seeking your intervention to rectify this matter. 

On XX/XX/2022, I discovered that multiple unauthorized withdrawals totaling {$65000.00} had been made from my Navy Federal account. I immediately contacted Navy Federal to report the fraudulent activity and was reassured of their XXXX liability policy, which should have provided protection against such unauthorized transactions. 

Despite my prompt reporting of the unauthorized withdrawals and clear evidence of fraudulent activity, Navy Federal has failed to honor their XXXX liability policy and has not taken necessary steps to reimburse the stolen funds. This has XXXX impacted my financial stability and undermined my confidence in the institution 's commitment to protecting its members from fraudulent activities. 

I have taken the following actions in an attempt to resolve this issue : XXXX. Filed a detailed report with Navy Federal providing all available evidence of the fraudulent transactions and explaining the circumstances surrounding the unauthorized withdrawals. 
XXXX. Engaged in ongoing communication with Navy Federal 's customer service representatives, but have not received a satisfactory resolution to this matter. 
XXXX. Utilized all available channels to appeal for a reversal of the fraudulent withdrawals and restoration of the stolen funds, but Navy Federal has not provided a resolution in line with their XXXX liability policy. 

I am now turning to the CFPB for assistance in addressing this alarming breach of consumer protection. The financial loss caused by Navy Federal 's failure to stand by their XXXX liability policy has not only affected my immediate financial well-being but has also eroded my trust in the institution 's ability to safeguard its members from fraudulent activities. 

I kindly request the CFPB 's intervention in investigating this matter and compelling Navy Federal to uphold its XXXX liability policy by reimbursing the {$65000.00} stolen from my account due to fraudulent activity. 

I am willing to provide any additional documentation or evidence necessary to support this complaint and seek a fair and timely resolution to this distressing situation. 

Thank you for your attention to this matter, and I look forward to your assistance in addressing this urgent issue. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

After nearly 20 years of payments and struggling at times thru fear of non payment I was misled from day 1 at XXXX XXXX XXXX with having a low credit score a predatory lending, beyond the compounded accrued interest owed during times of deferred and forbearance, I have tried so many times to contact them to just get my transcripts despite my inability to afford to finish my program. This horrible experience with XXXX XXXX XXXX and Sallie Mae then Navient has disrupted my life and for far too long I owed more than the original loan. I request all interest and late fees back and origination fees. Totaling approx {$1500.00}. I have paid money for my transcripts 3 times and they wont release it. That alone has cost approx {$100.00}. I cant get historic records they wont answer my questions without paying another {$250.00} to release my transcripts. 
{$1700.00} is a conservative request considering the devastation caused by my credit scores properly reported and getting inaccurate tax information and no access to statements. Im devastated. Please help.
Consumer complaint received 2022-08-18
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. (NJ)

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
Consumer complaint received 2022-01-29
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. (NV)

I've tried to get this info corrected with all 3 reporting agencies. This collection from XXXX XXXXXXXX XXXX for {$930.00} is erroneous. I've always had XXXX XXXX XXXX 've spoken to XXXX in the past and I was assured this would be removed.I also confimed with XXXX XXXX XXXX there was no balance due on my part. I'm getting no where with this issue. I've been denied credit due to this incorrect information
Consumer complaint received 2019-10-04
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Grant & Weber (CA)

Ive contacted the company several times for possible settlement. The person that handles my case is using words like you dont get a reward for bills you didnt want to pay when I attempted to negotiate among other negative comments. The person used foul language and kept on making aggressive comments. I ended my conversation more than twice on the phone with him. 
I called the company and asked for a supervisor several times and was transferred back to him. I once spoke to someone claiming as a supervisor and she said she will listen to the recording of our conversation and call me, but I never got a call. They never transferred my case to another agent despite my complaint against this person. I even make a comment that I am trying to pay the debt and Asked why he was attacking me. 
I was in a bad place in my life and couldnt pay my emergency room bill in the past. Now, I am trying to get rid of my debts and work on my credit. This person not only blocked my efforts to do so, he is unprofessional and used his position to emotionally damage someone that has been through a lot of hurdles. 
His name is XXXX and the company refused to give me his last name. 
I would like to negotiate and pay off my debt, but this person is blocking me to do so. 
Thank you
Consumer complaint received 2017-08-24
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. (IL)

Have been trying to get numerous errors of my consumer credit reporting file without success ; have written letters, phone calls etc issues still have n't been remain the account I have an issue with that are reporting on all 3 of my consumer files are Chapter XXXX Bankruptcy per new law that is reporting inaccurately and needs to be removed : XXXX XXXX XXXX Accounts that are reported included in a bankruptcy I did not file and does not belong to me are XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX and XXXX XXXX these account are not mine, are reporting invalid I have not signed a contract with these companies no monies are owed and I would like these accounts, all inquires not attached to an account, and bankruptcy removed from all three of my credit reporting files immediately.
Consumer complaint received 2022-01-29
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. (TX)

This complaint is in regards to the XXXX XXXX XXXX Account number XXXX opened on XX/XX/XXXX is factually incorrect. The vehicle regarding this loan was repossessed XXXX of XXXX and resold at an auction leaving a deficiency balance. The account that you are reporting is identified as a repossession. yet you continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. I have the right to an accurate credit file. And discrepancies like this are unacceptable. So please immediately remove this account from my credit file. 
According to the rules and guidelines of the FCRA, monthly should not exist after a repossession has occurred.
Consumer complaint received 2022-01-29
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. (NV)

I've tried to get this info corrected with all 3 reporting agencies. This collection from XXXX XXXXXXXX XXXX for {$930.00} is erroneous. I've always had XXXX XXXX XXXXI 've spoken to XXXX in the past and I was assured this would be removed.I also confimed with XXXX XXXX XXXX there was no balance due on my part. I'm getting no where with this issue. I've been denied credit due to this incorrect information
Consumer complaint received 2021-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (LA)

I bank with Chime. Each month I pay my rent with a check or checks submitted and mailed by Chime to my landlady. On XX/XX/2021, I had 2 {$450.00} checks mailed within 24 hours of each other. Neither have arrived to date. Their records that were visible to me said that one was mailed and that the other was processed. After attempting to explain my predicament to two different agents that struggled with English and didnt comprehend what I needed ( to get my money to the recipient or back to me ASAP or provide the best solution that would be the most favorable to my specific case ), I was referred to the escalation department who emailed me without a solution or assurance that they understood my situation either. Meanwhile, I dont have my money, my landlady hasnt been paid, and they havent given me an answer or a solution to help me in this situation that they created.
Consumer complaint received 2018-06-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

I applied for PSLF in XX/XX/2016. I've been making payments since XX/XX/2016, but recently found that none of my payments have been counting towards my 120 qualifying payments. At this point I have made 26 payments, and more than that none of the principal is being paid down so if PSLF is overturned then I am actually paying more and it has been 6 years since I graduated with my XXXX. I called multiple times and re-submitted several forms even though it's clear that I worked at an employer they won't certify it or count my payments. My problem is with XXXX XXXX.
Consumer complaint received 2019-10-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MA)

I was pushed into college right out of high school. I chose a out of state school with a high tuition. I had to take out XXXX a year plus federal loans to go. I was assured that I could make the money back, that it wouldnt take long to pay back. I wanted to quit school but my parents wanted me to finish. After my grace period ended I was hit with a XXXX a month bill from navient. I lived in rural ct with no car. My co-signer didnt want to cover the payment. I got a job at a XXXX making XXXX dollars an hour ... ..I put my loans into deferment and forbearance for as long as I could. There lies the problem. After that I got in an income based repayment plan, but as a house XXXX  I was bringing in XXXX a week. This was still not enough to see payment hit the principal. Ive been out of school for 6 years and feel I will never get out of debt with this company. I should have known it was peoples jobs to try to get me to go to school there, and that the school also tried to overcharge me for something once. I was a victim of coercion because I didnt know any better. I was young and if I knew what I know now, I would never let this happen to anyone- XXXX XXXX
Consumer complaint received 2022-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (TX)

I received a letter from Synchrony Bank dated XX/XX/2022 stating that I requested to open a PayPal credit account on XX/XX/2022. 

I did not attempt to open a PayPal account on XX/XX/2022 nor have I ever applied for a PayPal account or any account with Synchrony Bank. 

The letter simply says we were unable to verify your identity but there is no contact information, phone number etc for finding out more about this alleged application or request to open an account.
Consumer complaint received 2022-01-29
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. (TX)

I have contacted Equifax several times explaining the same situation over and over again. Someone has stolen my identity and is constantly attempting to open accounts using my personal information. I send several requests and calls only to be told that if the back office did not delete, I have to keep sending the same information over and over again. So, Equifax admits that they have the documents & someone dropped the ball, but I have to keep contacting them until someone feels like actually reviewing my information. Again, I have attached the requested documents & hopefully this is the last time I have to make this request for this fraud inquires to be deleted. After sending this request I received a response asking for my identification information which I included but still did not delete those fraud accounts. Please remove XXXX XXXX  XX/XX/2021 & XXXX XXXX XX/XX/2021 2021