davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I am writing so the state of my case can be documented appropriately. For approximately 6 months, I have been having ongoing and unresolved issues in my account. Initially, I did not submit by re-certification form for the 501c3 I work for, which caused by payment to go up from its former {$250.00} to {$400.00} in I believe XXXX XXXX. I paid on of these months as I was told my payments would be rectified once the form was approved. Since that time, I have experienced nothing by problems in my account, which are not only unsolved, but are getting worse. 
Upon seeing I was billed the same amount again, I contacted FedLoans and have received the following advise from different people : 1. Go into my account and pick a cheaper repay amount ( not possible ) 2. They'll put me into forebearance ( Never did ) 3. In XXXX, call back again, and they tell me they'll bill me {$5.00} and I'll go into forebearance ( also never happens ) 4. I call back yet again in late XX/XX/XXXX, and am billed the {$5.00} and pay it. During this phone call I was told that not only were by bills still {$450.00} some odd, but my XXXX bill is {$800.00}. This left me crying on the phone to an agent who told me that my account is one of the worst and messiest she'd ever seen. She was the only person who was ever significantly helpful to me, and the only person who got a manger to confirm that her advise was correct. 
If you still review my account, you will see that I was on direct pay, and consistently paid by {$250.00} every month. I also paid the one off {$400.00} as that was my responsibility. Since that time, FedLoan has given my tons on conflicting information and has even made my account worse. It is my goal, and has been my goal for months to get my account back to the {$250.00} payments. 
It is my current information that the {$5.00} payment will put me in forebearance, which will bring my account current, and I will then be able to get my {$250.00} payments reestablished. This has been an anxiety ridden experience for me. 
I then e-mailed XX/XX/XXXX to confirm that my forebearance is in the process, it will bring my account current to {$0.00}, and I will be free to change my payment plan and resume my {$250.00} payments.
Consumer complaint received 2020-02-02
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: Experian Information Solutions Inc. (MD)

XXXX XXXX, 2019 I sent a certified letter to XXXX, XXXX and Experian informing them that there were 2 accounts on my reports listed by XXXX XXXX. Neither of these accounts are mine. I have called the original creditor and the info wasnt a match for me. I have never lived where they had these 2 accounts. These accounts need to be removed as they have kept me from getting a car loan. I have called the credit reporting companies and get the run around I have been sending letters for 5 months.
Consumer complaint received 2020-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX, 2019 I sent a certified letter to Transunion, XXXX and XXXX  informing them that there were 2 accounts on my reports listed by XXXX XXXX. Neither of these accounts are mine. I have called the original creditor and the info wasnt a match for me. I have never lived where they had these 2 accounts. These accounts need to be removed as they have kept me from getting a car loan. I have called the credit reporting companies and get the run around I have been sending letters for 5 months.
Consumer complaint received 2018-04-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (VA)

I had just graduated college and started working making, like most college grads now adays, not enough to pay their federal and private loan payments. I called Navient to see if I could qualify for a lower monthly payment. When speaking to the lady she said based on my income, I should be able to make the payments. I explained I had medical bills, credit card bills ( debt I incurred paying for books for school ), car payment, rent, and so on, and also my federal loan, and her response was to quote, it sounds like you need to eat more peanut butter and jelly. Insane right!? So I got married last year, and student loan debt orang supposed to be transferred to your spouse right?, but when i spoke to Navient recently, they said because now Im married, my payments will now be more because it will be based on me and my husbands income. Now, tell me if Im only responsible for my loan, why are you looking at his income? I was told this is not right.
Consumer complaint received 2022-07-24
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. (MI)

Experian has violated my Federally Protected rights. I requested a method of verification letter and they failed to provide me with the requested information. Instead they disputed the accounts and came back with duplicate accounts of XXXX XXXX XXXX which is inaccurate after they stated all information was accurate. It it your grave responsibility to report accurate information and you failed to do so. An invoice will be sent for the violations under the FCRA.
Consumer complaint received 2022-07-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc. (IL)

XXXX XXXX stated in original complaint response that a letter stating this account is non collectable and all collection activities were ceased. 

Letter has NOT been received. 

XXXX XXXX failed to mail letter as stated.
Consumer complaint received 2020-12-15
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: EQUIFAX, INC. (NY)

To someone in a position of authority that can help me resolve this issue, On XX/XX/2020, I wrote to you requesting an investigation into items that I believed were innaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. Section 611 ( a ) states that the failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It is currently 57 days, at this point these items need to be removed immediately. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply immediately with your investigation results. Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. I was also affected by the Equifax data breach, and this problem could be the result of someone using my information fraudulently.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-06-18
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account found in attached documents has violated my rights.

15U.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 account without my written instructions
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to state that TransUnion is in violation of 15 USC 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, a federally protected consumer, never gave TransUnion any written consent to report ANYTHING on my credit report. No consent was given and this is identity theft. I demand that these inaccuracies are removed off of my consumer report. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX I would like to state that pursuant to 15 USC 1681 ( a ) ( 2 ), the banking system is dependent upon fair and accurate consumer reports. By TransUnion allowing these inaccuracies to be illegally furnished on my consumer report, it has caused damages to me as well as caused me to lose confidence within the banking system.
Consumer complaint received 2022-06-18
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. (WI)

Im having serious difficulties with the 3 major credit bureaus, I sent out a letter disputing some inaccurate information on my credit report on XX/XX/XXXX. 40 DAYS GO BY AND NOT A SINGLE LETTER OR RESPONSE EVEN THOUGH I SENT CERTIFIED CAME FROM EXPERIAN OR XXXX. XXXX decided to send me a letter asking if i was working with a " credit clinic '' WHICH IS ABSURD... 

So on XX/XX/XXXX I sent them another letter, and they still are not getting the picture that i am furious with how they are reporting on my credit report and damaging my name. They are not above the law and they need to sharpen up on thier FCRA LAWS AND DELETE THESE ERRONEOUS ITEMS
Consumer complaint received 2022-03-04
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: LEXISNEXIS (IL)

I have a case of identity theft. I have had this since XXXX. This person ( female ) uses a XXXX  ID, XXXX ID and has a copy of my social security card. This person has taken out many loans, credit cards and purchased cars under my name. This person has taken mail out my box and cashed checks mailed to me. I have a claim with USPS. And IRS sent another check. Its all on my credit report. 

Since XXXX I have been unable to work in a full time status and now I cant work. So, the fraudster is stating a large income to succeed at obtaining these loans and material objects. And its affecting my need for social services o need to live.

My banking was hacked 3 times in 6 months in XXXX. I had to cancel all account and use debit cards I manually turn on/off when using. 

I get countless calls about these fraudulent accounts. I want it to stop. The harassment is causing XXXX XXXXXXXX and more XXXX.
Consumer complaint received 2022-03-04
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: FIFTH THIRD FINANCIAL CORPORATION (IL)

Dear CFPB, I am writing for your help since I was not able to resolve my conflict with Fifth Third Bank over a fraudulent Internet transaction via my credit card used by someone else who stole my information and my identity to make purchases. Case number XXXX On XX/XX/XXXX I reported to Fifth Third Bank a suspicious transaction for {$89.00} purportedly for a Dash camera which was allegedly made on XX/XX/XXXX. For the record, similar dash cameras are sold in stores for around {$20.00}. 

I informed Fifth Third Bank that I did not made this transaction with a very shady Merchant XXXX who does not even have a website with products for sale, only pages with Terms and Conditions and Privacy Policy. 

Fifth Third Dispute Resolution Department ( at large, without the name of individual whom I can contact with my questions ) apparently did not conducted any meaningful investigation into this matter or even looked at XXXX and reversed temporary credit apparently trying to collect from me {$89.00}. 

In support to their decision Fifth Third provided me tracking number for another transaction which I made on XX/XX/XXXX with another company. 

Fifth Third also provided me the name of the Company who purportedly sold me this dashcamera XXXX XXXX XXXX  XXXX located in XXXX NJ. 

According to New Jersey XXXX of XXXX, they do not have any records of XXXX XXXX XXXX XXXXXXXX in their State. 

The only company who has similar name XXXX XXXX is located in California and is manufacturer of precision die-cut components. Obviously, they do not sell dash cameras via XXXX. 

Moreover, the XXXX address XXXX provided to me by Fifth Third Bank as evidence of legitimacy of my transaction belongs to some shady company in XXXX. 

Fifth Third Bank acted negligently by failing to conduct basic investigation and pushing all burden to prove criminal conduct on me as a customer ; and maliciously ( if not enabling ) when they refused to reverse this transaction and credit stolen from me {$89.00} back to my account. 

I demand Fifth Third Bank to credit me {$89.00} and compensate me at least additional {$100.00} as a fee for my investigation of this matter for which Fifth Third Bank employees are getting paid. 

Regards XXXX XXXX
Consumer complaint received 2020-12-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: M&T BANK CORPORATION (NY)

On XX/XX/2020, my husband and I realized that we were victims of a scam. {$750.00} had been sent via XXXX within the banks mobile app and the two more payments of {$1200.00} and {$700.00} were sent. When a fourth payment was demanded, we realized we were scammed. I immediately contacted my bank to dispute the transactions, which totaled {$2600.00}. On XX/XX/2020, I was advised by the bank that they were denying my dispute. I filed a police report as well as complaints with the FTC, XXXX, and NYS Attorney Generals Office. My husband also has the text messages from the scammer admitting what he did while trying to recruit my husband to join them. 
On XX/XX/2020, I also filed complaints with the Federal Reserve and the NY State Dept of Banking.
Consumer complaint received 2020-12-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (AZ)

On XX/XX/2020, I applied for a refi loan ( as well as debt consolidation ) with Loan Depot. I was repeatedly told that my application had been approved. I emailed and asked for a call-back many times from XXXX XXXX, the loan manager, who refused to call or email me back with a response unless I reached out to the loan officer. 
On XX/XX/XXXX, I signed the closing disclosure document. 
On XX/XX/XXXX, the closing disclosure was emailed to me again. 
On XX/XX/XXXX, I emailed & requested a new loan manager who would actually work on my file. They responded that my file was ready for losing. 

On XX/XX/XXXX, I was informed by XXXX XXXX that my closing docs would be available for signature on the next day, XX/XX/XXXX. I was not available on the XXXX so we scheduled for the XXXX. I was informed by the notary that the lending company had not provided the documents to the title company so we rescheduled for Friday the XXXX. On the XX/XX/XXXX, I signed the closing documents. 

On XX/XX/XXXX, I received an email from XXXX XXXX requesting verification of my employment. This is 60 days after my application XX/XX/XXXX - received an email to review the closing disclosure for the 3rd time XX/XX/XXXX - checked online & my existing mortgage was not paid off & none of the other debt paid off. Called Loan Depot customer care x2 - left message. Also sent chats x2 requesting resolution. Paid my existing mortgage payment for month of XXXX. 

XX/XX/XXXX - checked online & mortgage & debt still not paid off. Called Loan Depot customer care who said she would check and call me back. She called back & said the funds were wired to XXXX XXXX to pay off mortgage & checks for other creditors were fed exed to me on XX/XX/XXXX. Emailed loan officer, XXXX XXXX, and his supervisor requesting extension of 1st mortgage payment from XX/XX/XXXX to XX/XX/XXXX and refund of part of the processing fees for my inconvenience. Call to XXXX XXXX - out to lunch. 

I am requesting that Loan Depot refund a portion of the processing fee for their lack of communication, lack of timely processing my file, failure to timely fund my loan, and terrible customer service!
Consumer complaint received 2022-07-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, 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 of ANY original documentation ( a consumer contract with my signature on it ) as required under 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 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


XXXX XXXX XXXX -- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- XXXX
Consumer complaint received 2022-07-24
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. (MO)

In accordance with the Fair Credit Reporting Act XXXX these accounts below Account Name : XXXX XXXXXXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX  ( Original XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account # XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, 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. (TX)

XX/XX/XXXX my XXXX account said that TransUnion was reporting I have 2 late payments. I tried to obtain my free annual report from TransUnion online and was unable to because the security questions they are asking me have nothing to do with me. The people named in questions are names I've never heard before. This is the 2nd time this has happened. In XX/XX/XXXX I was turned down for a XXXX cell phone because of my credit, and I knew my score was over 800 at the time. XXXX 's credit dept told me they use TransUnion. I went online to get my TU credit report and could not answer the 3 security questions because they did not have anything to do with me. I called the customer support number at TU at that time and spoke to more than one person who looked at my account and couldn't understand why that was happening. It is now 6 months later and the same problem persists. So we have a situation where my credit score is used for all sorts of things, TransUnion is potentially reporting incorrect  information about me, they clearly have incorrect info linked to my account based on the security questions, and I am unable to get someone to help me resolve it.
Consumer complaint received 2022-03-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (CO)

Suntrust/Truist locked my account about 5 weeks ago ( XX/XX/2022 ). I have been calling back and forth with suntrust/Truist customer service ( almost everyday until today ) as well as my local branch and spending literal hours on hold to see why my account has been locked and have just been forwarded to the next agent multiple times with little to no answer. I reached out on twitter and they stated that they would call me back only after I threatened legal action. I wanted to close my account and have my money wired to my new banking institution. I was on the phone for over an hour this evening and was told by the representative that there is no record of a check being issued and mailed to me when I was told that after calling two weeks prior. I still have been left in the dark and have no idea where my funds are and why my account is locked