davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-07
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. (PA)

This is the 3rd time I have complained about this issue, I have filed my complaint in XX/XX/2020 I never received any response back or any of the requested legal documentation. Please be advised that I and filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of The 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. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (VA)

BARCLAY HAD XXXX XXXX XXXX REPRESENT THEM AND FILED A JUDGEMENT IN XXXX GENERAL DISTRICT COURT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX I PAID {$2400.00} ON XXXX. WE CONTACTED XXXX XXXX XXXX AND PAID IT IN FULL AND THEY PRMISED BARCLAY CREDIT CARD WOULD REMOVE THE COLLECTION AND ALSO NOTIFY THE COURT THIS HAS BEEN PAID IN FULL. THEY HAVE DONE NEITHER AND STATED THEY WILL NOT REMOVE IT OR MARK AS SATISFIED IN THE COURTS BECAUSE IT WOULD RUIN THEIR REPUTATION. I HAVE SPOKEN TO THEM THREE TIMES.
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

Good evening, I currently have several private loans with navient bank at which my offical payment is due. I have been paying interest only for the last few years and my options have expired. I spoke with navient and pleaded with them to help me reduce my XXXX dollar plus payment at which they advised i could extend my payments to 300 months. After trying they still wouldnt hear my pleadings for a lower payment at which they took my financial statement and my step fathers financials ( co signer ) i advised them i could only afford an XXXX dollar payment and that my bills exceeded my income with the larger payment and denied me a reduced payment due to my step fathers ability to pay ( he is on a fixed income of social security and pension ). Navient said based on his credit he was able to pay what i coulndt. I called many times advising i couldnt afford this payment and was advised that all of my options have been exausted and would have to pay fully every month. I dont know what else i can do. Please help!
Consumer complaint received 2021-02-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: TD BANK US HOLDING COMPANY (NH)

We are trying to refinance with XXXX. We have been waiting to reserve a subordination release from TD bank for 6 weeks now. XXXX is not able to get TD bank to send the release letter to them so we can close this refinance. 
The only part is from TD. You can not talk with the subordination department at all. 
They will not return a phone call back to XXXX or an email to them or ourselves. 
All we are trying to do is refinance, we have a credit line with TD using our home as collateral for {$13000.00}. We are refinancing with XXXX for {$270000.00}. 
Please give us some sort of advance. 

We started this refinancing with XXXX, last XXXX. At this point I don't want to stop and start again. I just want TD Bank to send the subordination letter. 

Thank you, XXXX & XXXX XXXX
Consumer complaint received 2020-11-07
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. (PA)

This is the 3rd time I have complained about this issue, I have filed my complaint in XX/XX/2020 I never received any response back or any of the requested legal documentation. Please be advised that I and filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of The 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. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2020 i sent in a disputed letter to XXXX and TransUnion about an unverified account on my credit report and i have not got a response back in 30 days and they have not removed it or contacted me
Consumer complaint received 2022-12-14
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)

The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on items are DELETED from other bureaus and I have doubts about their accuracy the reported payment history on items are a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$19000.00} ; XXXX XXXXXXXX Balance : {$410.00}
Consumer complaint received 2019-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Gentlemen, Please contact me regarding the fraudulent activity that I have reported numerous times to no avail. I have contacted XXXX XXXX, XXXX, Transunion, and XXXX and have disputed this multiple times, in which XXXX XXXX reports valid. This is not the case. 
I am requesting the recorded phone calls for training purposes be reviewed by your escalation liaison.
Consumer complaint received 2018-04-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IN)

On Friday, XX/XX/XXXX, I was defrauded by a ticket seller claiming they had four ( 4 ) tickets to the Indiana XXXX XXXX game in XXXX, Indiana. I contacted the seller via text and we negotiated the price to {$370.00} USD in exchange for four tickets. He claimed he used XXXX XXXX XXXX and we could only use bank-to-bank transfer as a means of payment since he was out of town with digital tickets that he could transfer through the XXXX XXXX application. 

I sent the money to the seller via the Chase XXXX app, an amount of {$370.00} XXXX. After I sent the money, the seller disappeared. I tried to call and my number was blocked. I could tell where this situation was heading so I called Chase as quickly as I could. I sent the money at XXXX XXXX  on Friday, XX/XX/XXXX and was on the phone with Chase at XXXX XXXX, only 21 minutes later and then again at XXXX XXXX  with the two conversations lasting 36 minutes and 41 minutes respectively. 

On the phone with Chase, I told them I wanted to file a dispute because the seller had defrauded me and had went so far as to block my number. We were able to contact him from a different phone number and asked him if he still had the tickets and he said that he did. Chase told me that XXXX is being marketed as an application to be used only between real-life acquaintances and to hope that the criminal would send the money back in good faith. XXXX has never been openly promoted as only a way to transfer money as I took the time to search through all promotional items and commercials ( one commercial even goes as far as to mention paying your dog-walker for her services ). 

So since XXXX can not be used for merchandising, though never being explicitly stated, Chase told us we were out of luck and they would not file a dispute. After discussing the dispute, they made a courtesy claim. We called them back on the morning of Sunday, XX/XX/XXXX at XXXX XXXX for 11 minutes in which they told us they had closed the case and never made mention of it to us. After discussing our future with Chase, they told us this was our error and not theirs and hung up on us. 

On the phone during my initial conversation, the Chase worked made mention of the loophole that the criminal had exploited. In essence, he claimed Chase and XXXX are both aware, and thus complicit, in scamming and criminality. XXXX and all major banks are taking no responsibility despite being fully aware of how their services are being used. {$370.00} XXXX is the difference between paying my bills and not. The two services are not only turning a XXXX eye but encouraging the use of their services to be used for fraud. The seller used a fake name and a spoof phone number and made out like a bandit. XXXX uses legal jargon buried in their Terms and Conditions to protect them despite advertising differently.
Consumer complaint received 2020-11-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My husband and I have owned our home for 18yrs. We have had some financial hardships along the way, but have worked hard to keep our home. 

Our loan and debt was sold from XXXX XXXX to Our current lender, Specialize Loan Servicing in XXXX. At the time our loan was sold, we were in a Chapter XXXXBK. We paid our planned payments to the Trustee which she paid the mortgage arrears and we paid our current monthly mortgage payments directly to our lender. 

Our bankruptcy was completed this past XX/XX/XXXX. The planned payments and mortgage arrears were paid in full. Once the bankruptcy was completed, our mortgage company sent us a statement saying when our mortgage was sold to them 2 yrs ago, we were 4 months behind totaling {$9.00}, XXXX. We were not 4 months behind when our loan was sold. For the past 2 yrs that we have been with Specialized Loan Servicing, they have never mentioned we were 4 months behind and it was never reflected on our monthly mortgage statements. 

This year, XXXX we did have a financial hardship due to Covid and other medical issues and fell behind on a few payments. We reached out to our mortgage company this past XX/XX/XXXX, to request a loan modification, repayment plan ect. We received a letter today XX/XX/XXXX stating our request was denied with no explanation as to why. The mortgage company kept stating, we had a Loan Modification 11yrs ago in XXXX and because of that they can not help us. They are requiring {$14000.00} to reinstate our loan and stating the total amount due is {$20000.00}. 

We can afford our home and we want to keep our home. Can you please assist us in getting a loan modification. 

Thank you for your time and help. 
XXXX XXXX
Consumer complaint received 2019-04-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OR)

Okay this happened in 2012 and I was young. I was trying to buy something on a XXXX server and it was XXXX and I never received the stuff I should have so I tried it again. Still nothing ever happened talked to the people on the server and I talked to pay pal and they just never did anything with the money but it was taken out of my account.
Consumer complaint received 2022-09-15
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: EQUIFAX, INC. (GA)

Equifax is reporting inaccurate, unauthorized consent and privacy information on my consumer report. They have violated my privacy with unfairness and inaccurate information. I'm not filing for a dispute, I'm demanding that this information be removed from my consumer report. 

The inaccurate and unauthorized consent things that are listed on my Equifax account are : 1. Employee information I do not work for XXXX XXXX XXXX. 
2. Address ; My address is XXXX XXXX XXXX XXXX, Georgia XXXX. 
XXXX. The credit card information that is on my file with Equifax is not authorized and not accurate please remove XXXXXXXX XXXX date XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXXXXXXXXXX  XX/XX/XXXX -XXXX/XXXX  's XX/XX/XXXX XXXX XX/XX/XXXX XXXX 'XXXX  / XXXX XXXX XX/XX/XXXX XXXX 
4. The loans that are listed on my account are in accurate and unauthorized ; - XXXX XXXX  XX/XX/XXXX in the amount of XXXX is inaccurate. 
-XXXX XXXX XXXX  5. Hard Inquiries is in accurate and not authorized to be reported ; - Equifax mortgage Services XX/XX/XXXX XXXX services XX/XX/XXXX -XXXX XX/XX/XXXX. 
6. Collections that are on my account for dates XX/XX/XXXX or an accurate and incorrect
Consumer complaint received 2022-12-14
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)

The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on items are DELETED from other bureaus and I have doubts about their accuracy the reported payment history on items are a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXXXXXX Balance : {$410.00}
Consumer complaint received 2024-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I am formally file a complaint regarding the inaccurate reporting of late open accounts on my credit file. Despite many numerous attempts to rectify this issue, the accounts in question continue to appear as late, significantly impacting my credit score and financial reputation. 

Despite my efforts, the late open accounts persist on my credit report, causing unwarranted damage to my creditworthiness and hindering my ability to access favorable financial opportunities. This situation has caused me considerable stress and frustration, as it undermines the integrity of the credit reporting system and unfairly penalizes me for inaccuracies that are beyond my control. 

I urge you to investigate this matter promptly and take immediate action to correct the errors on my credit file. Additionally, I request that you provide me with a written explanation of the steps you are taking to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Furthermore, I expect to be compensated for any damages incurred as a result of these inaccuracies, including any fees associated with credit monitoring services or adverse effects on loan approvals and interest rates. 

Please treat this complaint with the utmost urgency and provide a timely response. Failure to address this matter satisfactorily will compel me to escalate my complaint to the appropriate regulatory authorities and explore legal recourse to protect my rights as a consumer. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX Balance : {$250000.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.
Consumer complaint received 2023-09-13
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: ALLY FINANCIAL INC. (TN)

I had a lease with Ally Financial. No payment of mine was ever late. I purchased a new vehicle in XXXX XXXX XXXX and the car dealership sent the payoff to Ally. There was a termination fee that I owed which I chose to pay in an extended payment plan that was offered to me by Ally since I didn't have all of that money up front. I made all XXXX agreed upon payments. The account was reported to XXXX and XXXX as " paid in full/as agreed, closed '' but was reported to XXXX as XXXX paid in settlement ''. I have opened disputes with Ally and XXXX after more than XXXX phone calls between both companies. Both disputes were closed but no changes were made despite documentation and proof given. Ally provided a paid in full letter that I gave to XXXX but they didn't update the account to " paid in full '' as requested. They left it as " paid in settlement '' and closed the dispute. My score has dropped XXXX points from this mess.
Consumer complaint received 2020-11-07
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

I have a credit card with XXXX XXXX called XXXX XXXX credit card which has an animal fee and doesnt have any benefits I have been told by XXXX XXXX that I should keep this card for 12 months before I apply for a different card and now I have this card for XXXX  year and XXXX  months and I have applied for different card to give me benefits and XXXX XXXX still declining my application XXXX XXXX keep lying to me as I have sent a complaint before to cfpb and XXXX XXXX replied back to the complaint saying I should apply for a different type credit card once I have the 12 months period completed abd now today XX/XX/2020 I have applied for XXXX XXXX XXXX cash back card and it was automatically declined by their system which it means they lied and they still lying Please I need help because XXXX XXXX likes me to keep the card I have because they charge me annually for it.
Consumer complaint received 2017-01-28
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (SC)

Never fully explained, unemployed, after repeated requests to XXXX XXXX they would only allow forebear ancestors and loan ballooned to $ XXXX Need help please ca n't afford this I am a XXXX Vet XXXX year old female.
Consumer complaint received 2019-06-27
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. (KY)

Due to the lost of my identification a couple of years ago, my identity has been seriously compromised and all of these fraudulent inquires I'm demanding to be removed immediately for this is hindering me and is a strain on my true credit worthiness. 

Please remove the following fraudulent inquiries. 

1 ) XXXX XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) 2 ) XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX  ( XX/XX/XXXX ) 6 ) XXXX XXXX   ( XX/XX/XXXX ) 7 ) XXXX XXXX ( XX/XX/XXXX ) 8 ) US Dept of EDU (XX/XX/XXXX ) 9 ) XXXX XXXX ( XX/XX/XXXX ) XXXX/XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX ) 13 ) XXXX XXXX ( XX/XX/XXXX ) 14 ) XXXX ( XX/XX/XXXX )
Consumer complaint received 2020-11-07
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nelnet, Inc. (GA)

This student loan has reached its statute of limitation date open was XXXX/XXXX/2004. I would like for it to be moved to the satisfactory accounts on my credit report. And if not I need it removed and delete it from my credit report. It should not be reported under adverse accounts. The statute of limitations is seven years.