davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

The incorrect reporting of my name by XXXX XXXX and Equifax credit reporting agencies has cause me alot of hurt and pain even though i have provided both agencies with copies of birth certificate, social security card, and utility bill, also my check stub, and the two agencies listed above continue to report incorrect information in my file such as. 
XXXX. XXXX XXXX reporting ( XXXX XXXX XXXX XXXX ) which is WRONG. the correct spelling of my name is ( XXXX XXXX ) which is correctly. 
XXXX. Equifax reporting ( XXXX XXXX XXXX ) which is WRONG the correct spelling is ( XXXX XXXX ) XXXX. I ONLY NEED MY CORRECT ADDRESS XXXX XXXX XXXX # XXXX XXXX XXXX NV XXXX
Consumer complaint received 2019-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (NY)

I just opened a an installment account with XXXX XXXX I made my first 2 pmts which were stopped by citibank because of an old fraud hold which was not removed after the first stopped payment.The XXXX XXXX account was cancelled because of the SECOND STOP.As a result of citibanks direct negligence my credit was adversly affected The account was reported closed and an inquiry was recorded. 
XXXX requested i contact citibank and clarify the situation but to no avail citibank would not correct the matter
Consumer complaint received 2024-05-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL (SC)

I have previously had an issue with Synchrony Bank on lack of transparency in closing a CD. They bury the policies in the fine print of the CD agreement then they make it hard to close the account. Can only do 45 days up to 10 days after maturity date and you can not do online, you must call and never get any type of confirmation in writing or on the CD documents online. They refuse to do this. My other online Banks allow changes to Maturity instructions including closing account online anytime. 
After getting caught in this issue once I made it a point to call on XX/XX/XXXX to change instructions on XXXX CDs maturing within 45days. The rep said it was taken care of but I could not get any written confirmation email or on my online account. 
The first CD matures on XX/XX/XXXX and I decided today XX/XX/XXXX to check and see if my instructions were in motion. To my surprise this CD is now showing that it has been renewed to a new 14 month term completely violating my instructions on XX/XX/XXXX.!! 
I also noticed that the other two CDs that were supposedly changed on XX/XX/XXXX have no intructions to close the accounts and send cash to my checking account. 
This is the central issue.. Synchrony makes it easy to buy and renew a CD online without calling but very difficult to close the account by having to call in a small window with no confirmation of the verbal call allowed? How is that fair? Legal? 
Now I am again having to call to get them to do what I ordered on the XX/XX/XXXX call. 
This bank is not fair, transparent or trustworthy and they are unscrupulous in their business practices. I think it is even illegal to do what they are doing to the consumer? 
Please help me get my money out of this bank. They need to change their unfair business practices too.
Consumer complaint received 2023-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (SC)

My husband and I have a joint spousal consolidation loan which needs to be separated ( per PL117-200 ). Since the US Dept of Education has not yet implemented this law ( signed on XX/XX/22 ) our student loan lender refused to pause our payments. We are both XXXX  and eligible for PSLF, but can not apply for this until our loans are separated. American Education Services ( AES ) acknowledges that we have made well over the required 120 payments. We are unable to pay $ XXXX on student loans that should literally be gone. We are asking for a pause ( like all other direct federal loan borrowers have ) until the US DOE implements the law.
Consumer complaint received 2022-07-27
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. (NY)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXIf you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-04-06
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: SYNCHRONY FINANCIAL (WI)

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
Consumer complaint received 2022-07-27
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have acopy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being " reported correctly? Who verified these accounts? You have NOT provided me a copy ofANY original documentation ( a consumer contract with my signature on it ) as requiredunder Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful noncomplying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX  XXXX XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

On these dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX I asked LexisNexis to provide verification and the method of verification of the public record reporting to my file per FCRA. To this date they in violation of the FCRA failed to provide the required information. The record is below : XXXX XXXX XXXX XXXX   XXXX
Consumer complaint received 2022-04-06
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2019-04-22
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. (CA)

one student loan is reporting under my name with equifax credit reporting agency this is not mine, i have never went to school here and never got a student loan. 
this is a very inaccurate information reporting under my name, please have equifax remove this inaccurate reporting.i will be attaching the FTC report and the police report that i had inquired and sent to equifax as well. 
thank you
Consumer complaint received 2022-07-27
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have acopy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being " reported correctly? Who verified these accounts? You have NOT provided me a copy ofANY original documentation ( a consumer contract with my signature on it ) as requiredunder Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful noncomplying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates XXXX
Consumer complaint received 2023-07-31
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: CLGF Holdco 1, LLC (NY)

On XX/XX/2023 and XX/XX/2023 I got a notification on my email saying that I had a three new inquiries added to my credit report which are : inquiry 1.XXXX XXXX XXXX ( XX/XX/2023 ) Inquiry 2.XXXX XXXX XXXX  ( XX/XX/2023 ) Inquiry 3. XXXX ( XX/XX/2023 ) reported on my trans Union credit report only I then proceeded to call XXXX about this inquiry reported on my credit score but I was told they are not able to do nothing about that so I called the banks which the inquiries reported from and i didn't get the helped I needed. 

1.15 U.S.C 1681 section 602 A. States I have the right to privacy. 
2. 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 2018-05-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My husband and I submitted a credit investigation request to the credit bureaus on XX/XX/2018. More than 30 days have passed, and we have yet to receive our results.
Consumer complaint received 2022-07-27
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. (VA)

In accordance with the fair Credit Reporting act XXXX  Account, XXXX XXXX Bank account number starting with XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S. Code Section 1666b. a creator may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2022-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2022 I sent a letter to Transunion about the inaccurate reporting of inquiries on my credit report and that I would like them to provide documentation on how they verified my information. I have not received a reply from Transunion and at this point, I feel as if I am being taken advantage of and being ignored on my disputes. Section 611 ( a ) states that the CRA must conduct a reinvestigation of any item of information in a customer 's file if the customer alleges the item is inaccurate. If the CRA does not conduct a reinvestigation items must be removed from an individual credit report within 30 days. This inaccuracy that Transunion is reporting to my account should be deleted promptly or I will file for litigation for the stress they have caused me, my information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person
Consumer complaint received 2018-07-10
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (MD)

In XXXX I filed for a Vehicle Title Loan as an XXXX XXXX Military Service Memeber and Was approved. 

After Making the payment for Severeal months, I realized that I could not make the principal go down. I asked for relief and they informed me they couldnt because I was in the military. My Vehicle was repossed in XXXX after a military Move because my wife lost her job due to our military move, and I could not longer afford such steep payments.
Consumer complaint received 2018-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (ID)

On XX/XX/XXXX, I provided a cashiers check in the full amount of endebtedness outstanding of {$62000.00} payable to Bayview Loan Servicing LLC to XXXX XXXX XXXX XXXX to stop a trustee sale of the property at XXXX XXXX XXXX XXXX XXXX, Idaho XXXX that I received by deed from the prior bankrupt owner as part of a Bankruptcy Court ordered settlement of my judgments against the prior bankrupt owner.

Because I paid off the entire loan, Bayview should have recorded a release of their deed of trust.

In XX/XX/XXXX, I am attempting to refinance my property, and title shows that the deed of trust has never been released.

My title company has been contacting Bayview for months with no results.

Can CFPB get Bayview to release the paid off deed of trust?
Consumer complaint received 2018-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (VA)

I am trying desperately to get more information about the status of my XXXX Loan Forgiveness application, but XXXX continues to delay the process for an unexplained reason. They received my application on XX/XX/XXXX, and still have not made a decision.
Consumer complaint received 2018-11-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Adjustment Service, Inc. (IA)

I've asked them to please stop calling my work. They know it's my work and they keep calling. I've told them I will get a lawyer involved they obviously didn't care because they keep calling me here at work. They've called at least 4 times or more at least once a day. The last phone call which was this morning @ XXXX XXXX on XX/XX/XXXX18 I told them I'm going to call the local authorities and the lady told me that's fine. I have them on a recorded line each time they have called and have notified my employer of this as I feel they are harassing me. This needs to stop. The other times they have called me are : XX/XX/18 @ XXXX XXXX XX/XX/18 @ XXXX XXXX  XX/XX/18 @ XXXX XXXX
Consumer complaint received 2020-10-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc. (TX)

I am not XXXX XXXX, do not know XXXX XXXX and they call and call and call and every new number is blocked and they spam call and spam dial non-stop. This is clearly illegal and this is a cell phone which is prohibited by law.
Consumer complaint received 2024-03-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Southern Auto Finance Co (MS)

I got a XXXX XXXX XXXX XXXX in XXXX and lost my job. Became XXXX, had my car repossessed, fought to get it back. They wouldnt lower my payments because they said I was obligated to pay the amount. Took me 5 years to pay it off
Consumer complaint received 2022-07-27
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$0.00} Medical XXXX Balance : {$190.00}
Consumer complaint received 2022-07-27
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: EQUIFAX, INC. (VA)

I do not recognize these inquiries as shown on my XXXX report. 

1. XXXX XXXX inquired XXXX XXXX 2. XXXX inquired XX/XX/2022 3.XXXX inquired XX/XX/2022 XXXX. XXXX XXXX XXXX inquired XX/XX/2022 XXXX. XXXX XXXX inquired XXXX XXXX
Consumer complaint received 2018-07-11
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: SYNCHRONY FINANCIAL (AZ)

I purchased 4 items from a retailer online using my PayPal credit account and they sent me 4 completely different items than I ordered. I reached out to the company and they never responded. I contacted PayPal to dispute the transaction. They claimed to investigate and informed that they would be supporting the company who defrauded me. As a credit account, it's disappointing that they do not protect consumers. I have requested that they close my account but still believe they should reimburse me for the {$120.00} that was stolen from me by the fraudulent company.
Consumer complaint received 2019-09-06
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. (CA)

TransUnion has my fathers credit card on my credit report. My fathers XXXX credit card is listed. We share the exact same name but hes XXXX and Im XXXX. His XXXX credit card was opened back in XX/XX/XXXX. The only credit card that belongs to me in the XXXX XXXX credit card that was opened in XX/XX/XXXX.