davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-01
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. (UT)

I disputed several tradelines on the consumer reports and in the consumer file concerning me over 18 months. Trans Union has failed or refused to delete the inaccurate and incomplete information even when I've presented them with proof of the irreparable errors. I do not give Trans Union permission to publish, report, furnish or appropriate my personal information or private financial transactions. I did not give Trans Union permission to have my private financial records, and therefore they are violating my privacy rights, damaging me, defaming my character, and harassing me by not complying with the Fair Credit Reporting Act, Code of Federal Regulations, United State Code, and state consumer protection laws. 

I mailed disputes to the address provided by Trans Union, and their registered agent in Utah where I reside. Because Trans Union refused to delete incorrect and incomplete tradelines from the consumer file concerning me, I demanded full disclosure of the file according to FCRA 609.

Trans Union has failed or refused to comply with Fair Credit Reporting Act 609 and provide me with a physical copy of the consumer file they have concerning me. I demanded full disclosure on XX/XX/2022 and they failed or refused to send it to me within required 15 days. I gave them an opportunity to cure their default of providing full disclosure on XX/XX/2022. I have yet to receive the required FCRA 609 full disclosure of the entire consumer file concerning me. 

This leads me to believe that Trans Union does not have reasonable procedures in place to ensure maximum possible accuracy of the information they compile and publish in the consumer file and consumer reports concerning me. 

The following accounts tradelines need to be DELETED immediately because the entities do not exist and I have no legal recourse against them : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have also never been known or gone by the name : XXXX, XXXX, XXXX I have requested Trans Union to DELETE this incorrect name and they have failed or refused. 

I am the only person that can validate or verify any information regarding my private financial matters and therefore, I do not give Trans Union permission to include anything in the consumer file or a consumer report concerning me without first getting certified written permission directly from me, not from anyone else. I am the only person with firsthand knowledge of the accuracy of my consumer credit transactions. 

I am attaching my dispute letters that Trans Union has failed or refused to comply with. I request that you CEASE AND DESIST with including all disputed information in the consumer file or consumer reports concerning me.
Consumer complaint received 2022-03-01
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: Experian Information Solutions Inc. (MN)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-10
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: Resurgent Capital Services L.P. (OH)

I received a notification today from my credit bureau regarding a collection that went on my credit profile. I did not do any business with this merchant. This account is fraudulent or belongs to someone else. 
please remove this fraudulent account from my credit report. 
XXXX XXXX
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I just opened a bank account with Bank of America on Sunday. XXXX account was denied, the other was open. I said, fine, I have a bank account now. I tried to transfer {$100.00} TO the account but my bank declined it to BOfA. 
Monday, I went to deposit XXXX in the bank account in cash. They accepted the cash, the deposit was done XX/XX/2021 at XXXX AM, and I also switched my payroll direct deposit TO BOfA account. Again these are all TO the account, not withdrawals at all. It should have been clear to the bank that this was my account. However, I tried to log in XXXX  and XXXX  to check my balance. Unfortunately, the bank stated that my account, without notice, after accepting XXXX paycheck from my employer and the XXXX, CANCELLED the account. 
They said I would get the funds reissued in a cashier 's check. But WHEN? I am writing this complaint to make sure I see these funds as quickly as possible and they don't hold them or make up some fees, because I feel it is a very misleading bank and I am greatly disgusted. Thank you.
Consumer complaint received 2023-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC (CT)

I recently checked my credit report and found a collection on my credit which was deleted by the law office of XXXX XXXX XXXX. I received correspondence from the collection company once and was told the debt is mine and I was responsible for paying it. 

I have two fraud alerts which were established with the credit bureaus in XXXX and XXXX however the same company continues to shop this debt to a collector attempting to collect on it. This fraudulent transaction was in XXXX and I have included a screen shot where I previously filed a complaint with the CFPB concerning this attempt to collect on this fraudulent debt which is reporting on XXXX XXXX, XXXX, XXXX.
Consumer complaint received 2022-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

My mortgage was transferred to Mr Cooper back in XXXX. I was told I need to start making payments to them as of XX/XX/XXXX. Today is XX/XX/XXXX and I am not able to make payment. I tried for a month to register online and it will not recognize my info. I call on the phone and the phone system recognizes my number but then after hours of waiting on hold no one ever answers. I also push 1 for a call back and the system never calls me back. I got ahold of someone today and they claim they are not servicing my loan and it's some XXXX company. They transfer me there and then I am told they have no idea who I am. Bottom line. I HAVE NO WAY TO PAY MY MORTGAGE AND NO WAY TO CONTACT WHOMEVER I AM SUPPOSED TO PAY. So I literally can not pay my mortgage and have no way to get help since no one claims to be servicing me!!!
Consumer complaint received 2022-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

I give authorization for the company to move forward with this complaint. Please see the full complaint attached in the documents and supporting identifying identification. The company Credit Collection Services purchased a debt without me being involved in the transaction. I do not have contract with Credit Collection Services.
Consumer complaint received 2022-03-01
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. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NAVY FEDERAL CREDIT UNION (TN)

Hello I humble myself to make a request for deleted payment. I have been a loyal client and have over 50 credit account most of which were revolving accounts 40 plus of them. I humble myself to ask after making attempts in the past to have the company forgive my one or two max late payments. Im asking if you could intervene on my behalf.
Consumer complaint received 2019-03-26
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: Bridgecrest Acceptance Corporation (CA)

XXXX XXXX for a payment arrangement d/t sickness. I did not want this to negatively impact my credit and they agreed with the payment arrangements. I have a printed copy of the arrangement they agreed to. I completed my payments and now am receiving an alert that they turned me in for being 30 days late which is a false statement. I continued to make my agreed payments. I disputed this with XXXX and they contacted XXXX and said they confirmed it was correct. They didn't even ask for a copy of the payment arrangements or proof of my payments they took their word for it and now I can't file another dispute or upload the documents because it is closed.
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

My claim got denied because it wasnt properly investigated I had to open back up the claim and I keep being told that someone from back office would contact me I never been contacted the whole time this problem had been going on my money has been stolen out of the account and Im being told thats its really nothing they can do about it
Consumer complaint received 2020-07-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: REGIONS FINANCIAL CORPORATION (TX)

On XX/XX/XXXX two {$500.00} transactions were debited from my checking account without my authorization. I contacted Regions Bank for information regarding these transactions. I was told I could not file a dispute because the transactions had not yet posted to my account. My bank statement showed that these transactions were done through XXXX XXXX. I contacted XXXX XXXX on XX/XX/XXXX and spoke with XXXX. She was unable to refund my money. I received an Email from XXXX XXXX on XXXX from XXXX XXXX and he informed me that my case was being transferred to a specialists, I need to provide more information and that it could take 45 or more days to complete the investigation. 
I completed 2 disputes with Regions bank In hopes of being refunded my money and was denied each time. According to the bank, the reason for denial is that the transaction verified with my card credentials. No report of card loss, theft or compromise. Transaction passed fraud analysis. My debit card was never loss or stolen. My checking account/debit card information is linked to my XXXX XXXX. According to Regions Bank I sent the money to myself. Yet, I didnt receive {$1000.00} credit to my account. They also reported that the money was sent to my XXXX XXXX card. I dont have a XXXX XXXX card. I have requested copies of the documents used to make the determination and have yet to receive it. 
I received a text message from XXXX XXXX informing me that my phone number had been delinked from my XXXX XXXX account. I did not authorize this. This was around the same time the unauthorized transactions were done. Also, I was using a Chase ATM around this time and I received a text message from Regions seeking to verify if I was actually the person requesting cash at the ATM. I did request cash for the ATM. I would make no sense for me to send {$1000.00} through XXXX XXXX  to myself and withdraw cash from an ATM. I contacted XXXX XXXX and they were not able to verify the delinked account and I was instructed to create a new account. My cell phone or debit card was never out of my possession. I never requested my phone number to be delinked from my original XXXX XXXX account and I did not send {$1000.00} through XXXX XXXX.
Consumer complaint received 2020-07-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: Prosper Marketplace, Inc. (SC)

Out of curiosity from an ad I saw, I clicked on Prosper 's " Check Your Rate '' link of its website. It CLEARLY states " Checking your rate will not affect your credit score ''. After doing so, I never took any further action. NONE!!!!! I NEVER submitted a loan application!!!!! 

Daily since then I get emails from Prosper with incentives to apply for a loan such as a credit on my first payment. I have IGNORED each and every email. AGAIN, I have NEVER taken ANY action on this. I have NEVER applied for a loan.

Today after weeks of these emails, I suppose Prosper got tired of me not responding and sent me a credit declined memo. How can I be declined credit for which I NEVER APPLIED?!?!?

THIS IS FRAUD!!!!!!!! I now have a ding on my credit because of Prosper 's FRAUDULENT processing of a loan application. I NEVER APPLIED!!!!!! I ONLY CHECKED MY RATE BASED ON PROSPER 'S PROMISE that " Checking your rate will not affect your credit score ''!!!!!
Consumer complaint received 2019-06-04
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. (NM)

XXXX and Experian are reporting incorrectly a collection for the XXXX partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account reports a {$0.00} balance and is over XXXX XXXX XXXX. Reporting this line item is a violation of the Fair Credit Reporting Act. XXXX  is reporting this account correctly. This negative reporting is harming my credit score. This trade line item needs to be removed from my credit report.
Consumer complaint received 2021-02-12
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. (CA)

Hi for some reason you guys are saying my complaint isn't me. Here I am again fighting to get my complaint heard due to my rights being broken. It's been more than 30 days I haven't heard anything from the credit bureaus. I did my research and it's against FCRA to have inaccurate information being reported. Also Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Please help me, this is messing with my livelihood.
Consumer complaint received 2022-07-22
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. (DE)

In accordance with the Fair Credit Reporting act U.S. DEPARTMENT OF EDUCATION 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 2019-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have two credit cards with Capital One, a VISA and a MC.

One card has a balance and the other has a {$0.00} balance.

I paid about {$790.00} on the card with a balance, then thinking I had not paid the monthly payment I went to my bank web bill pay site and paid {$1900.00} on my Capital One account, but it was the wrong card.

When I realized I had a credit of {$1900.00} on the card with a {$0.00} balance, I asked for and was told I would receive a check in 7-10 business days.

When the check did not arrive I contacted them again and was told I had to wait an entire billing cycle before they would issues a check which should arrive 7-10 business days after that. 

XXXX?
Consumer complaint received 2022-03-01
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)

I have notified Experian that the receivable recovery account on my credit report is a result of identity theft. I sent a 605 identity theft letter as well as a ftc identity theft report. According to the federal law Experian has 4 days to block the identity theft account from my credit report but they have failed to do so. It has been well over 4 days and Experian is refusing to comply with the law. I also have a tracking number to prove that the notice was delivered to Experian. 

Tracking number for experian : XXXX Tracking number for Receivable recovery : XXXX
Consumer complaint received 2020-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX  has not been updated on the credit report in over 90 days. The correct balance is XXXX and account closed. The loan id number is XXXX and Experian is still reporting this with a balance of {$570.00} and last updated XX/XX/19.
Consumer complaint received 2021-11-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (IL)

XX/XX/XXXX a transaction was declined. I checked online banking and saw 3 wire transactions were done and we went to the bank and called customer service. We were issued new debit cards and told nothing could be done until the pending wires were posted to the account. I worked the next 2 days XXXX, and on XX/XX/XXXX my husband and I went back to the bank and filed a dispute. I have called everyday and not getting our funds back and the bank is making it seem like we did something wrong and might not see the funds again. Unacceptable!
Consumer complaint received 2021-02-12
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (IL)

In 2015 me and my husband filed bankruptcy but we did not file against our home. But since then Wells Fargo has not been showing on my credit report that I have been making my payments every month. They are saying on my credit report that I filed against them but didn't. I have spoke to different people multiple times and always get told they would fix it. I even got a letter one time from Wells Fargo saying that while doing a audit they noticed that they weren't reporting my payments and would get it fixed and yet my mortgage is still not showing on my credit report. I have been in my home for 12 years and would like my credit report to show that. Thank you.
Consumer complaint received 2019-03-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (FL)

on XX/XX/2018 i mailed a check # XXXX in the amount of {$14000.00} to santander consumer usa to satisfy an auto loan. i discovered later that the loan had been satisfied last XXXX. instead of returning my check, it was deposited to XXXX XXXX santander on XX/XX/2018. repeated attempts to get our money returned have been futile.
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma (OK)

On numerous occasions I was pre Approved for a credit card & then denied once I ran the application. The app with misleading information was credit karma. It is still offering loans and cards pre approved but they are not that.
Consumer complaint received 2021-02-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OR)

I was directed by my school ( XXXX XXXX XXXX, now closed ) to apply for private student loans with Navient in XXXX. The original balances were {$10000.00} and {$9100.00}. I have made my {$450.00} payments every month since XX/XX/XXXX, besides when I was in-school deferment or financial hardship forbearance, never going into default. It is now XX/XX/XXXX, and those private student loans have current balances of {$24000.00} and {$10000.00}. The interest rates are are 12.25 % and 7.25 %, respectively. 

At the beginning of the pandemic, I decided it was a good time to go back to school. First, to be able to finally finish my XXXX XXXX XXXX, but also because I could not afford to pay my private student loans, which did not qualify for the federal government 's student loan freeze. I began classes in XX/XX/XXXX, but was just informed by Navient that I have reached my limit of 48 months of in-school forbearance, which I do not recall ever being informed about. 

Private student loans can not be consolidated, or put on income-based repayment. I reached out to Navient to try to refinance these loans, but they informed me that they are not currently offering refinancing. I reached out to other student loan servicers XXXX, and XXXX, but they also can not help me. I am feeling hopeless that I will ever be able to pay off these loans are the balance seems to just go up instead of down. It is my belief that the interest rates that Navient is charging are exorbitant, and their unwillingness to offer me anything else besides more forbearance, which increases my loan, is unfair and unreasonable.