davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-05
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (TX)

On XXXX received call from XXXX @ XXXX XXXX XXXX. 
XXXX stated she can help with a deferment plan and also help with removing the incident that happened in XXXX. 
XXXX didnt remember what she has said during the conversation. 
XXXX didnt offer the additional she mentioned from the beginning of the call. 
XXXX laughed at me, very unprofessional. 
XXXX was hesitant to provide me phone numbers and address. 
XXXX did help with the deferment however the verbiage provided was too quick to fully understand and not clear. 
XXXX said they sent me via mail and email details of a deferment plan however I never received such notifications. 
If proper communication was done via mail or email with a deferment plan, the late payment and additional interest charges would have been handled immediately and not till XXXX. 
XXXX was advised that communication should be done via mail or email. 
Best practices were not utilized by XXXX or the company.
Consumer complaint received 2022-05-05
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. (NV)

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 2022-05-05
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. (TX)

I sent in a letter on my first police report XX/XX/2022 ( XXXX ) and letter for identity theft. Tracking Number XXXX XXXX to have the account removed from my credit report. Experian. I called in to dispute these items immediately. I was told I can not dispute these items because the creditor said the debt was mine and the debt had been validated. I asked for proof of validation. I was told that was something that could not be provided to me as consumer. I filed sent it certified mail r Experian rep told me the account would stay on my report. On XXXX I spoke with XXXX a specialist that Experian made me pay for in a membership benefit form. XXXX told me to send in a police report. But there was not much she could do. I explained the COST of sending in information and my lack of transportation due to being affected by the pandemic. Documents sent XX/XX/2022 According to the Fair Credit Reporting act 15 USC1681.Section 602A I have a right to privacy. According to 15 USC 1681 Section 604A Section 2 No financial institution is suppose to share my information to a third party. I did not give written permission to have the accounts added to my credit report. I have also attached a recent copy of my XXXX report to support and show inaccuracies. This clearly violates my federally protected consumer rights
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (WI)

In XXXX of 2006, we purchased a home and the took out a second mortgage which was eventually sold to Ditech. We had our payment set up on automatic debits and the company either sold the loan or sold their company. 

We never paid this loan late. We have tried to contact the company many times with no success. 

We are asking them to remove our late pays from all three bureaus.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (TX)

I have files several disputes with the XXXX credit bureaus asking for them to investigate and correct several accounts that appear on my credit report. I have received several responses that the reporter has verified the information as accurate, I have never received anything from this creditor after several attempts. They have not verified the account nor provided any documentation that what they are reporting is correct. This is detrimental to my credit and has damaged my access to credit and reasonable rates for several years now
Consumer complaint received 2017-09-07
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. (IA)

XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, IL XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and Tranunion ran an unauthorized credit inquiry on me on XX/XX/XXXX
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX and investigate such occurrence.
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly as well as the sign agreement for the inquiry.
If you have any questions or need additional information, please contact me at address listed below.
Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Social Security # xxx-xx-XXXX
Consumer complaint received 2023-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (OH)

I have been given three different monthly payment amounts for when payments restart. Between the dates of XX/XX/XXXX and XX/XX/2023 I received communication for the following amounts, one for {$340.00}, one for {$190.00}, and one for {$400.00}. When I called to check the status of my IDR plan, they said they did not have that information and to call back the next week. When I called back they still didnt have any answers for me and I said to apply for the XXXX IDR for a second time.
Consumer complaint received 2022-05-05
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: MRS BPO, LLC (TX)

I sent in a letter on my first police report XX/XX/2022 ( XXXX ) and letter for identity theft. Tracking Number XXXX USPS to have the account removed from my credit report. XXXX. I called in to dispute these items immediately. I was told I can not dispute these items because the creditor said the debt was mine and the debt had been validated. I asked for proof of validation. I was told that was something that could not be provided to me as consumer. I filed sent it certified mail r XXXX rep told me the account would stay on my report. On XXXX I spoke with XXXX a specialist that XXXX made me pay for in a membership benefit form. XXXX told me to send in a police report. But there was not much she could do. I explained the COST of sending in information and my lack of transportation due to being affected by the pandemic. Documents sent XX/XX/2022 According to the Fair Credit Reporting act 15 USC1681.Section 602A I have a right to privacy. According to 15 USC 1681 Section 604A Section 2 No financial institution is suppose to share my information to a third party. I did not give written permission to have the accounts added to my credit report. I have also attached a recent copy of my XXXX report to support and show inaccuracies. This clearly violates my federally protected consumer rights
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-05-05
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. (TX)

I sent in a letter on my first police report XX/XX/2022 ( XXXX ) and letter for identity theft. Tracking Number XXXX USPS to have the account removed from my credit report. XXXX XXXX XXXX, TransUnion and XXXX all removed this account from my credit On XX/XX/2022 These items where place back on my credit report by TransUnion and XXXX. I called in to dispute these items immediately. I was told I can not dispute these items because the creditor said the debt was mine and the debt had been validated. I asked for proof of validation. I was told that was something that could not be provided to me as consumer. I filed another Police Report ( XXXX UPDATE ) XX/XX/2022 and sent it certified mail ( XXXX ) I attempted to dispute this account again However XXXX  rep told me the account would stay on my report. On XXXX I spoke with XXXX a specialist that XXXX made me pay for in a membership benefit form. XXXX told me to send in another police report. But there was not much she could do. I explained the COST of sending in information and my lack of transportation due to being affected by the pandemic. Documents sent XX/XX/2022 Tracking XXXX According to the Fair Credit Reporting act 15 USC1681.Section 602A I have a right to privacy. According to 15 USC 1681 Section 604A Section 2 No financial institution is suppose to share my information to a third party. I did not give written permission to have the accounts added to my credit report. I have also attached a recent copy of my FICO report to support and show inaccuracies. This is my second complaint with CFPB- First case number XXXX ( XXXX XX/XX/2022 ) Closed ( XX/XX/2022 ) This clearly violates my federally protected consumer rights
Consumer complaint received 2022-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (MD)

Credit Karma issues bank accounts through XXXX XXXXXXXX. But credit karma refuses to allow access to this account. I am unable to link any bank account to my credit karma account and I have no way in depositing cash into my account. I have tried multiple bank accounts over different days and Im constantly getting an error saying Credit Karma is unable to link external accounts, they offer 0 support otherwise. 

Credit Karma does not allow manual linking of external accounts and their account linking program with plaid does not work. It should be illegal to not allow people to access, weather that be withdrawing or depositing money. It has been over 10 days and Im still unable to link an external account and now am possibly going to be late on rent. This is ridiculous. 

Withdrawing cash is very inconvenient and can almost not be done without fees being assessed, most of all points atms do not work and are not even around. Depending on the time, all atms will be closed and your are forced to use an atm that will assess fees. Credit karma is not allowing access to customers money.
Consumer complaint received 2022-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (UT)

I have filed before, but this time a found the XXXX XXXX of my Loan. They are removing you as servicer of the loan and reassigning the Deed of Trust. I have attached the Letter he sent me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX
Consumer complaint received 2022-05-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Credit Acceptance, LLC (NV)

American credit accept inquiry XXXX removal date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC Zip code XXXX XXXX have connected them to remove this inquiry off my credit because I don't recognize this being on my credit I never did any business with this place I want it to be removed.
Consumer complaint received 2017-09-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc. (GA)

In XX/XX/XXXXand XX/XX/XXXX I sent certified Hipaa letters to Nationwide Recovery Service asking for the verification of the accounts by asking them to send me a run down of all of the accounts that they have in my name and also the documents with my signatures from the medical provider that would prove or disprove that I am the actual owner of the acquired debt and they did not send me the documents I asked for. What they did send me both times in response to the Hipaa letters was a " debt validation '' letter with only a few of the debts they have under my name. In XX/XX/XXXX/ XX/XX/XXXX I sent a pay for delete letter for a partial amount to settle the debt and stressed in the letter that I was NOT validating the debt, but willing to pay a partial amount to settle the debt in exchange for removing the accounts from my credit report. I received no response within 30 days. On XXXX XXXX, 2017, I called to get more info as to how we could settle the UNVERIFIED debts and I was informed by XXXX the following : * I had 36 accounts totaling over {$2000.00} ( ( which was not in the debt validation letters they sent to me, including the most recent one which only totaled a little over {$600.00} ( not depicted in the file below ) so I was unaware of the additional accounts that were listed as well as the total amount of debt they attempted to collect ) ) *All 36 of the accounts were in dispute ( ( which I DID NOT ask for any of the accounts to be disputed only verified but they took the Hipaa letters as a dispute AND it is impossible for me to ask to dispute accounts that I did not know about until today ) ) * They do not take payments for accounts that are being disputed so that is why I received NO response to my pay for delete letter ( ( once again I NEVER asked for the accounts to be disputed and had tried to offer a settlement of the debt even though it remains unverified. ) ) This company is unfairly reporting debt on consumers that they do not even validate actually owes the debt. XXXX and XXXX, who I spoke with on the phone told me that they do NOT receive signature documents ( that would verify that I willfully assumed the debts they are trying to collect ) Not only that but they do not correspond properly to consumers who wish to validate and verify these debts or those who wish to settle them. I believe their practices are against FCRA laws and I would like them further investigated.
*File uploaded is not their response to the hipaa letters but to a debt validation request sent by a credit repair company I use. However, this is exactly what I recieved when I sent the hipaa letters as well.
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (GA)

I filed a fraud dispute claim with Navy Federal Credit Union a few months ago and never heard anything back. I would try to call when I get off work but it'll either be extremely long wait times or they would close. I finally was able to speak with someone and she told me that the fraud personnel was out of the office so she couldn't provide me with any accurate information in regards to my claim. After an hour wait on the phone, she informed me to login into my NFCU account online and send them a message through the portal to request an appeal since she didnt see a valid reason why my claim was denied. There was a list of charges disputed on my account. However, I just came to realization that NFCU never honors a claim. I've had maybe two small claims over the years and I've been a member since 2017 and they always declined my claims. This is no coincidence and I'm starting to feel like I'm being racially profiled and my XXXX American money isn't worth protecting and claims arent worth being approved. I've accepted the losses in the past but I refuse to let this behavior continue. I submitted an appeal on the NFCU website and I would like to request a reinvestigation immediately. I would like my account balances updated correctly, all fraudulent charges removed, a temporary credit applied while they reinvestigate this account as well as my bill amount due updated correctly. I request immediate attention to this matter and If this isn't handled professionally in a timely manner then I am willing to consult with an attorney to seek monetary damages for charges on my account, damages to credit, and more. This is a FINAL appeal request and NFCU have a list of the charges filed in the dispute in their system already.
Consumer complaint received 2017-09-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MN)

XXXX XXXX? XXXX from the Wells Fargo Executive Office on a recorded line called me and refused to allow me to record the call also.
I am trying to work through a loan modification with them.
So, they can record calls and when I ask to be able to do the same, they refuse.
I need to record the calls to document for accuracy and legal reasons just as they probably due too.
What do we do now?
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Consumer Financial Protection Bureau ( CFPB ) and TransUnion, I hope this message finds you well. I am writing to bring a serious matter to your attention regarding my credit report and the actions of TransUnion. 

Recently, I discovered that TransUnion has placed a block on my ability to access my credit report simply due to an ongoing investigation. While I appreciate the need for thorough investigations, this denial of access is causing significant distress. Notably, TransUnion continues to report items on my credit and grants access to third parties, while I, the rightful owner of the credit profile, am being denied access. 

I find this situation concerning and, in my experience, unprecedented. I have disputed items on my credit report multiple times in the past, and at no point was I denied access during those disputes. The selective denial of access now, especially considering that TransUnion is still reporting on my credit, raises suspicions of retaliation. 

I urge you to intervene and rectify this situation immediately. Denying me access to my credit report while simultaneously allowing reporting and inquiries by others is not only unjust but also may violate consumer rights. If this matter is not promptly addressed, I may be compelled to take legal action to protect my rights and seek a resolution to this issue. 

I appreciate your prompt attention to this matter and look forward to a swift resolution.
Consumer complaint received 2017-09-07
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: Experian Information Solutions Inc. (IA)

XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX, NE XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and Experian and XXXX ran an unauthorized credit inquiry on me onXX/XX/XXXX
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact Chase Card and investigate such occurrence.
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly as well as the signed agreement for this inquiry.
If you have any questions or need additional information, please contact me at address listed below.
Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Social Security # XXXX
Consumer complaint received 2022-05-05
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. (TX)

I sent in a letter on my first police report XX/XX/2022 ( XXXX ) and letter for identity theft. Tracking Number XXXX USPS to have the account removed from my credit report. XXXX, TransUnion and XXXX all removed this account from my credit On XX/XX/2022 These items where place back on my credit report by TransUnion and XXXX. I called in to dispute these items immediately. I was told I can not dispute these items because the creditor said the debt was mine and the debt had been validated. I asked for proof of validation. I was told that was something that could not be provided to me as consumer. I filed another Police Report ( XXXX UPDATE ) XX/XX/2022 and sent it certified mail ( XXXX ) I attempted to dispute this account again However XXXX rep told me the account would stay on my report. On XXXX I spoke with XXXX a specialist that XXXX made me pay for in a membership benefit form. XXXX told me to send in another police report. But there was not much she could do. I explained the COST of sending in information and my lack of transportation due to being affected by the pandemic. Documents sent XX/XX/2022 Tracking XXXX According to the Fair Credit Reporting act 15 USC1681.Section 602A I have a right to privacy. According to 15 USC 1681 Section 604A Section 2 No financial institution is suppose to share my information to a third party. I did not give written permission to have the accounts added to my credit report. I have also attached a recent copy of my FICO report to support and show inaccuracies. This is my second complaint with CFPB- First case number XXXX ( XXXX XX/XX/2022 ) Closed ( XX/XX/2022 ) This clearly violates my federally protected consumer rights