davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-22
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: EQUIFAX, INC. (TN)

I really need your help because at this point I dont know where to turn.I opened the mail and I saw three letters.One from all three credit bureaus.I felt that there was wrong information on my credit report so I challenged them. But what struck me was that the other two bureaus removed the information I challenged, which was the following : Creditor : XXXX XXXX XXXX Account # :XXXX I would like to address this issue of this inaccurate account on my credit report. I followed your advice about contacting the collector.I sent them a letter by certified mail and it was received on XX/XX/2018 and asked them to verify the debt and investigate. As oftodaythey still have not responded to me nor have they attempted to investigate this issue or delete the item. This debt was not properly verified and I don't believe that it is mine. None of the credit bureaus have remedied this issue. I thought they had 30 days to investigate and fix the inaccurate account listed. It has been over 45 days and this debt has not been verified nor has it been removed from my credit profile. This is a HIPAA violation to report this on my credit report as a collection and not verify it. I would like to seek legal representation if this is not resolved.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I have filed a compliant with XXXX, XXXX  and TransUnion as I did apply for anything reflecting to this inquiries, and did not authorize or grant permissible for them to utilize my credit report. 

Please remove the following inquiries as they do a line with any account that I have : XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Leasing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Leasing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX USED CA Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2021
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: Atlanticus Services Corporation (FL)

Aspire this company Aspire is heartless they illegally closed my account I told them my husband died and that XX/XX/23 I have his cod I paid up EVERY XXXX THEY ARE Rude about it XXXX XXXX removed all of my late fees and I had four of them and they removed it due to the situation. I also had an XXXX XXXX as well and they said they will help me with it. Can you get somebody to help me with the aspire account please Im hoping I get the same person I wrote for. Im gon na send you a copy of their response. 

XXXX, XXXX, XXXX Last XXXX XXXX RE : XXXXAspire  XXXX-partial acct number. 
To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit repor You are reporting a late payment on XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 and XX/XX/23 on the account ( Aspire ) .and accordance with the fair credit ASPIRE has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated reflecting the changes. 
XXXXXXXX XXXXXXXX  can you please help me like you did with the XXXX XXXXXXXX I appreciate it Best Regards, XXXX XXXX
Consumer complaint received 2022-09-02
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

APPEALING FOR TRIAL MODIFICATION ON XXXX XXXX XXXX XXXXXXXX MAKING A FALSE CLAIM THAT I HAVE EXCESSIVE DEBTS WITHOUT PROVIDING ANY PROOF DESPITE MY REQUEST ON XX/XX/XXXX XXXX 2022. I PROVIDED PROFIT LOSS PTOOF OF GROSS {$6000.00} MONTHLY {$5000.00} COMBINED NET INCOME OF MY PRIMARY HOME RENTED ( XXXX XXXXXXXX ) PLUS 2 INVESTMENT PROPERTIES ( XXXX XXXXXXXX ), EXCELLENT CREDIT, NO CAR DUES OR ANY EXPENSES WHILE IM LIVING AT MY PARENTS WITH NO OBLIGATIONS TO PAY BILLS, AND {$35000.00} IN BANK SAVINGS. STILL BANK REFUSING TO TRIAL MOD MY LOAN TO FORECLOSE PUTTING ME AND MY FAMILY IN HARMS WAY. I WISH TO KEEP MY HOME COVID19 DISASTER IMPACTED ME BUT IM READY TO PAY MY {$2400.00} MORTGAGE TIMELY IM USA XXXX VETERAN AND I ASK FOR MERCY.
Consumer complaint received 2019-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

This is about predatory offers of home warranty insurance. I sent a card back that was sent in my mortgage statement, thinking it was a request for more info. I never heard anything more. Then recently I discovered that payment for the warranty has been being held out of my mortgage payment for a year. 

I was never informed that the payment would come out of the mortgage payment, thus decreasing the amount I was paying on the mortgage and increasing the length of time that it will take me to pay it off and the amount of interest I'd pay. This is unfair.
Consumer complaint received 2022-07-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

Someone using my SSN and other type of Identification to open and get Loan, Bank Accounts and replace credit cards, XXXX XXXX, XXXX XXXXk, XXXX XXXX XXXXXXXX, Citi Bank, XXXX XXXX
Consumer complaint received 2022-08-29
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. (MO)

Formerly, I made an investigation of the accounts with inaccurate information being reported on my Credit report and after checking the Credit Bureaus ' response I recognized that some accounts are still incorrect, with a confirmed status. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected. Please correct the following accounts : XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/2019 XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/2019
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (TX)

On XX/XX/XXXX, I closed on a cash-out refi with Loan Depot. The funds paid to me and to payoff my previous mortgage were to have funded within 5 business days ( by XX/XX/XXXX ) and I prepaid interest on this loan accordingly. For no explained reason, they did not fund until XX/XX/XXXX. Given I paid per diem interest on my old mortgage that was supposed to be paid off, and to my new mortgage which I prepaid since mid XXXX, I was essentially double charged interest. I've made numerous attempts for them to address this and have been ignored. They simply won't respond.
Consumer complaint received 2022-09-02
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: EQUIFAX, INC. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-02
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-02-15
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)

On XX/XX/2021 I contacted XXXX, XXXX, and Transunion with accounts on my profile that were not verified or accurate. To date, neither of these bureaus have done an adequate investigation and are requiring me to send additional information to them. 

This complaint is where the additional information will be presented and should be used to process the removal of these inaccurate accounts that are under my profile.
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contacted the company but to no avail. They have failed to return my calls or emails.

This is a violation of the Fair Credit Reporting Act Section 604. I believe this was not a permissible purpose for a consumer report and feel heavily discriminated against.

The Equal Opportunity Act, 15 U.S.C. 1691 et seq. prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act.

I have no idea how these inquiries got onto my report. I was alerted by the XXXX  app of inquiries that are not recognized on the report. I do recognize them and i want them off my report.
Consumer complaint received 2019-02-02
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. (FL)

In XXXX, I purchased a brand new XXXX. I maintained my payments, although at the time I was a Jr in college struggling to work and complete my degree. I always kept a clear line of communication with things that were going on with my financial situation. for the most part they worked with me. After going through horrible natural disaster in the state of FL, and losing my job to one of the hurricanes I fell so back it was impossible to climb out of the hole. the vehicle was repossed in XXXX of XXXX. I have contacted the employer multiple ( twice a week to be exact ). The vehicle was sent to auction and i was supposed to be contacted by XXXX XXXX to know how much the balance was so i can began paying my balance to remove the loan off of my credit report. not i have a $ XXXX account that has an innaccurate balance and everytime I try to dispute that this information is incorect, they update it as if it is. the vehicle has been repossed, 5months later i am still out of the loop and XXXX XXXX  refuses to give me updated information.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

I am complaining about a Bankruptcy on my credit report that was never ever established as I couldnt afford the program that the lawyer was trying to get me to complete. 

So I had the Bankruptcy was dismissed in 2018 and was never it into force against me but it still shows on my Credit report. 

I would like to have it removed completely. 

Thanks for your time.
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

I spoke with Navy Federal on the XXXX of XX/XX/2022 the department was over deft department, I told them that I wanted to take next weeks deposit and place in my account that was almost XXXX old and the rep agreed but on the XXXX of XXXX the automated system placed it in the wrong account and I called to see if the would take the money and place in the correct account and I was denied. I was not able to speak with a supervisor myself but was denied that right and was hung up on multiple times and was told that I could not speak with anyone in the over daft department by a supervisor in checking department who was very nasty and rude and by multiple customer service representatives more than once and more than twice and more than XXXX times. I was told by a leader that tried to assist me but wasnt successful due to the time this was in the branch that when I left Navy Federal on the XXXX of XX/XX/2022 to call and only ask to speak with a supervisor in the over draft department this was after XXXX central time, I called was denied the right to speak or to be transferred to the overdraft collection department by every rep that got on the line. I was abused by rep named XXXX and he hung up on me and stated that I needed to stop calling because my issue will not be resolved. Because of the stress and unfair way I was treated by navy Fed I did lash out on XXXX conversations because of the unprofessional attitude of the supervisor and representative for that I apologize, but it did not give other representatives the right to mistreat me when I called back to try to speak with a supervisor in overdraft department. I would like to verbally make a commitment against these representatives Navy FederaXXXX is a good credit union and I never had issues with customer service but on XX/XX/2022 XXXX
Consumer complaint received 2022-09-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NC)

I talked to a representative today and I was told that my federal loan was not eligible for the extended payment suspension until XX/XX/XXXX. The explanation given by the representative was that my loan isnt eligible because it is serviced and funded by Navient as a result of a promissory note from Sallie Mae to Navient in XXXX. Im having a hard time understanding that because in XXXX, I believe my loans were serviced by XXXX. I have yet to see this documentation. If it has my signature on it in any way, it was obtained through fraudulent means. Im requesting that Navient forward to me the loan documents that support their claim.
Consumer complaint received 2019-02-04
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 have tried to get old addresses removed and addresses that are complete errors on my report. The credit reporting agencies seem not to care in any way. I just want my credit report to be factual and correct. Two addresses I use are XXXX XXXX XXXX   XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX, CA XXXX ... .. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-03-07
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: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. I'D REALLY APPRECIATE IT IF YOU UPDATE OR REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX XXXX - Charge-off
Consumer complaint received 2021-02-15
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: NAVY FEDERAL CREDIT UNION (IN)

Please delete the 2 negative accounts from navy federal opened around XX/XX/2020 because they were opened fraudulently. Under the FCRA section 605B these unauthorized accounts must be deleted within 4 business days due to identity theft.

I have filed a better business bureaus complaint and a FTC complaint
Consumer complaint received 2019-02-02
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: RFNA, LP (GA)

On XX/XX/2019 an associate from XXXX XXXX called my workplace instead of my cell phone. When told that I was with a client, associate preceded to tell my manager details of my account delinquency and payment arrangement. Spoke with supervisor who could be heard in the background stating that she is 'unavailable '. Spoke with manager who's office my account is in. Manager locked my account with notes stating to call my cell phone and not my workplace. Same young lady called my workplace again on XX/XX/2019. Spoke with a different associate at my workplace and gave personal information again about my account and payment arrangements.
Consumer complaint received 2019-06-10
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I attached a copy of the letter for the complaint since it was already typed up. 
Bank of America sold the mortgage to XXXX and charged off the HELOC. Therefore, Bank of America should have reported both in 2014. How can Bank of America and XXXX report the very same account of {$52000.00} to the credit bureau? It shows as two different loans in the amount of {$52000.00} but it is one and the same account that two different companies are claiming.
Consumer complaint received 2022-09-02
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: TD BANK US HOLDING COMPANY (NY)

TD bank reported a balance on my card to the credit bureaus even before the transaction was completed. The transaction in question never completed however since TD bank reported to the bureaus in haste, it hit by credit score by XXXX  points. I was at XXXX credit score whihc took years to acheive. Not only that they did not wait 30 days for statement to generate to report balance to the credit bureas whihc is the startdard practice. 
Their negligence in reporting has adversely effected my score and I would like TD to resolve this