davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
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)

XXXX XXXX XXXX XXXX XXXXXXXX Dear Sirs, I have a complaint to file in regards to my XXXX XXXX Line of Credit. I am XXXX XXXX XXXX and until recently had perfect credit, XXXX rating. 

I have contacted the credit agencies as well as XXXX directly with no resolve. 

My XXXX XXXX account is for a security system. A very low monthly payment that was setup with auto pay and my XXXX XXXX credit card. 

In XXXX of 2023 XXXX XXXX without my knowledge canceled the card due to apparent fraud. 
When I found out about this I contacted XXXX immediately, paid up the account and gave new credit card. I asked if I could put an additional card for a backup to make sure this never happened again and they said no. 

I was never contact by XXXX when the card was declined. No phone call, email or text. Instead they just report a late payment and dropped my score XXXX point or more. Several other vendors that I had auto pay with had the courtesy to make sure they notified me. We are are talking about a {$75.00} a month auto pay that XXXX XXXX was in charge of. It is not like I was bouncing checks. 

XXXX said they would contact the credit reporting agencies and explain the situation. It does not look like anything had been done. 

I am extremely frustrated as I have worked my entire life to keep great credit and this without my knowledge is causing a major problem. 

Please let me know when and how we can rectify this. 

Thank you, XXXX XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (AZ)

On XX/XX/XXXX I mailed out my dispute with all three consumer reporting agencies as well as NAVY Federal CU. 

To whom it may concern, My rights as a federally protected consumer are being violated by Navy Federal Credit Union, XXXX, XXXX and XXXX by reporting late payments on my monthly consumer credit report. Navy Federal Credit Union and the above consumer reporting agencies did not disclose information to me on how to, or to give me opportunity to Opt Out before sharing or disclosing my personally identifiable financial information. 

Privacy Act of 1974 provides safeguards against unwarranted invasions of privacy by establishing a code of " fair information practices. '' 15 U.S.C. 1681 Congressional findings and statement of purpose ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Nonpublic personal information : ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution.

16 CFR 313.3 Definitions ( o ) ( 1 ) Personally identifiable financial information means any information : ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information.

16 CFR 313.7 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

Per FCRA 15 U.S. Code 6802, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you, past, present, future, written, unwritten, verbal, and nonverbal, to disclose any payment history information.

Please remove the reporting of my payment history, Late payments are payment history and personally identifiable financial information. 


Thank you for your prompt attention to this matter
Consumer complaint received 2020-09-24
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: EQUIFAX, INC. (CA)

I have disputed over and over the account listed under XXXX  XXXX it shows a balance of {$3100.00}. The phone numbers, address, everything are non working for this creditor. There is no validation of debt under article 1 and 2. Ive asked XXXX XXXX, and equifax to delete this account but they still keep reporting it. There is no success in getting in touch with the creditor either. The phone number listed is non working and so is the address.
Consumer complaint received 2018-01-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: New Century Financial Services, Inc. (NJ)

A Stipulation Of Discontinuance was filled on XXXX XXXX, XXXX in XXXX  XXXX XXXX Civil Court after 3 years of litigation and the Plaintiff failed to convince the court that I was responsible for the credit card debt that I knew nothing about. The statue of limitation has far expired. 
The Plaintiff surprisingly started another court action in New Jersey and used many illegal methods to obtain judgement. 
Claiming that I made a XXXX payment in XXXX - never made any payment. 
That I failed to respond to their discovery - Never received it. The signature presented in court was not mine. 
The debt in question is over 10 years. 
The court denied my application for Reconsideration on XXXX XXXX, XXXX without considering the points raised above or allowed any hearing.
Consumer complaint received 2019-01-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: OPORTUN FINANCIAL CORPORATION (CA)

OPORTUN/XXXX XXXX Account number XXXX .... 
Recent balance {$7100.00} as of XXXX HAS REPOSESSED THE CAR, AUCTIONED IT OFF FOR MORE THAN OUTSTANDING BALANCE AND NOW STILL TRYING TO COLLECT ON THIS ALREADY PAID OFF AND COLLECTED BALANCE IN FULL. WHEN TRYING TO RESOLVE WITH OPORTUN THEY ASK FOR MY SOCIAL # PULL UP THE ACCOUNT THEN ASK ME TO VERIFY ACCOUNT NUMBER WHICH I CAN'T BECAUSE IT IS A VERY OLD ACCOUNT AND SHOULD NOT HAVE ANY BALANCE TO BEING WITH ... OPORTUN IS NOW CALLING MY HOME, WORK AND RELATIVES THREATENING TO ARREST AND TAKE LEGAL ACTION IF BALANCE IS NOT PAID EVEN THOUGH THIS IS A 5 + YEAR OLD ACCOUNT ISN'T THIS ILLEGAL TO DO??
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I was looking into my credit report the other day and what I found made me very XXXX then I was overwhelmed with helplessness. During my investigation I found evidence that the agencies did not their job of verifying the accuracy of their reportings and this is causing me a lot of stress and XXXX, because what they are reporting is entirely inaccurate.
Consumer complaint received 2019-01-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (GA)

I currently have a personal loan with Mariner Finance and have done business with them for several years now. On XX/XX/XXXX I went on the website to pay bill but my {$200.00} was declined due to it not being the full amount of {$230.00} something. I come in to work on XX/XX/XXXX after returning from the holidays to be confronted by my boss about the Mariner account I have. He informed me that a representative of the company had contacted my work office and told him that I had a loan and that I was going to be prosecuted if I didn't pay. They continued by telling him it would only take {$130.00} or around that amount to avoid this from happening. This has caused turmoil for me and friction in my workplace. They had NO right to contact my employment and give any information other than to have me contact them. Because of this, I may lose my job.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX  XXXX has reported missed payments XX/XX/2017 and XX/XX/2017 despite asking for the inaccuracies to be fixed. It is affecting my scores and quality of life. The credit reporting agencies have been contacted with no response.
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account was disputed with credit card company XXXX XXXX who completed the investigation and had both accounts deleted from credit report. Trans Union continues to report account on credit report when it should have been removed as per XXXX XXXX. 

Attached is letter from Credit stating accounts should be removed.,
Consumer complaint received 2019-01-02
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. (GA)

the three major credit bureaus refuse to remove eviction that does not belong to me ; I am a victim of ID The have submitted affaviadt and police report to support claim and its still there the account names are : XXXX XXXX XXXX/ XXXX XXXX, XXXX XXXX XXXX/XXXX  , XXXX XXXX, XXXX  XXXX XXXX XXXX , and XXXX XXXX ... please see FTC report # : XXXX.
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Transunion had a computer glitch in their system that violated the rights of their consumers under section 6.11 of the Fair Reporting Credit Act. I have been greatly affected and my score is suffering as a result. This computer glitch caused all the inquiries on my credit report to be deleted and my credit score increased. The inquiries were then added back to my credit report without written notification in direct violation of section 6.11 of the Fair Reporting Credit Act. I have attempted to call Trans Union at XXXX on this matter several times being placed on hold for indefinite amounts of time or mysteriously disconnected. I finally managed to reach XXXX ( did not give last name ) on XX/XX/2019 at approximately XXXX hours. I informed XXXX that I was aware of the computer glitch and noticed several inquiry items on my credit report that had reappeared. XXXX 's response was, Where did you get information from about a glitch? Who told you that? I told him that I received that information from several sources on the internet including the CFPB. XXXX seemingly mocked me by asking, You believe everything you read on the internet? I reluctantly continued to speak with XXXX about the inquiries and unless I misunderstood him, XXXX stated, Doesnt look like you were affected. Out of frustration, I ended my call with XXXX. I am tired of being victimized by Trans Union. Its bad enough that I recently had to file Chapter XXXX Bankruptcy due to the untimely death of my spouse, but now that Ive been discharged from that Bankruptcy and trying to recover my finances, now I must deal with these despicable tactics on behalf of Trans Union. I demand that Trans Union remove these inquiries from my credit report immediately before I seek a legal recourse.
Consumer complaint received 2019-01-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

We were given a pre-approval letter by Quicken Loans in XX/XX/201, were not provided a denial letter until XX/XX/2017. The denial disclosure was not provided within 30 days. This requirement falls under the Equal Credit Opportunity Act ( ECOA ) / Regulation B. My husband and I have been trying to get this settled for almosr two years now without getting any resolution. We have sent emails and complaints and have had this issue just swept under the rug and the business that the complaint is on continues to do this same thing to other people. 

The company continual states that they did nothing wrong. They have tried to put this on us by saying my husband did not complete the credit application when it was sent in from thier website.. He sent in info weekly that was stated as needed. They said nothing until our lease was up. Even though they told us and the property manager that everything was going good and we would be approved. 

The property manager at that time had written up a contract. I don't think he would have done so if he was told we would not be getting the loan.Quicken Loans has done nothing but state they did nothing wrong. We are not the only people this company has wronged. This needs to stop. The stress of dealing with Quicken Loans on this issue almost killed me. I was admitted to the hospital for a XXXX XXXX XXXX, and had back to back risky XXXX  and almost died. The stress of this is not wanted or needed. We just want back what we had to pay during all of this. Even though this situation has cause other financial issues. 

If this issue is not settled, it could continue to have a stress factor on me and end me up in the hospital again with the same issue, and once again I could die. Maybe that is what the company wants so I will stop complainig and bring this issue to their attention to resolve.
Consumer complaint received 2023-07-14
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. (TN)

I am writing to you because I am concerned about the accuracy and honesty of credit bureau 's data.My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I challenge you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX  XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed. The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!
Consumer complaint received 2019-01-02
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. (GA)

the three major credit bureaus refuse to remove eviction that does not belong to me ; I am a victim of ID The have submitted affaviadt and police report to support claim and its still there the account names are : XXXX XXXX XXXX/ XXXX XXXX, XXXX XXXX XXXX/XXXX  , XXXX XXXX, XXXX  XXXX XXXX XXXX , and XXXX XXXX ... please see FTC report # : XXXX.
Consumer complaint received 2022-07-11
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: EQUIFAX, INC. (TX)

I called XXXX / XXXX XXXX in XXXX of this year to settle the account. I offered a payment if they would do a pay / delete deal and they agreed. I paid the settlement amount but they did not delete the account from the credit bureaus as agreed.
Consumer complaint received 2019-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There was a {$210.00} withdrawal on XX/XX/2018 from my Checking account from Bank of America that according to the bank associate I did, but I did not withdraw the money and they do not want to investigate or return my money.
Consumer complaint received 2019-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NC)

Below you will find the dates of loan disbursements, my payments, and interest accruals. You can see there are two amounts for {$2700.00} listed on XX/XX/XXXX. One of those is a payment, the other is an additional charge they made. As I had already graduated and was no longer receiving loan disbursements there should have been no charge there. For the payment I made on this date I also asked the money to pay the entirety of my smallest loan ( XXXX ) and the remaining money go towards paying for my second smallest loan ( under XXXX ). I reached out to the lender in XXXX when I noticed the payment was no allocated as I asked and when I noticed my account said I owed more than the records I have and they have been sending me state. 

Taking away the addition of the XX/XX/XXXX {$2700.00} that should not be there I owe {$34000.00} but the lender is saying I owe {$41000.00}. 



Date Description Principal Interest Total XX/XX/XXXX PAYMENT {$0.00} ( {$50.00} ) ( {$50.00} ) XX/XX/XXXX PAYMENT {$0.00} ( {$50.00} ) ( {$50.00} ) XX/XX/XXXX????????? {$2200.00} {$490.00} {$2700.00} XX/XX/XXXX PAYMENT ( {$2200.00} ) ( {$490.00} ) ( {$2700.00} ) XX/XX/XXXX PAYMENT ( {$50.00} ) {$0.00} ( {$50.00} ) XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX PAYMENT ( {$2800.00} ) {$0.00} ( {$2800.00} ) XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX PAYMENT ( {$1600.00} ) ( {$1300.00} ) ( {$3000.00} ) XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$2200.00} {$110.00} {$2300.00} XX/XX/XXXX PAYMENT ( {$3700.00} ) ( {$550.00} ) ( {$4200.00} ) XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX PAYMENT ( {$2400.00} ) {$0.00} ( {$2400.00} ) XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$2200.00} {$0.00} {$2200.00} XX/XX/XXXX PAYMENT ( {$500.00} ) {$0.00} ( {$500.00} ) XX/XX/XXXX DISBURSEMENT {$2500.00} {$0.00} {$2500.00} XX/XX/XXXX PAYMENT ( {$40.00} ) ( {$10.00} ) ( {$50.00} ) XX/XX/XXXX DISBURSEMENT {$2500.00} {$0.00} {$2500.00} Total {$34000.00}
Consumer complaint received 2021-03-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

In XXXX of XXXX I received notices that my taxes where not paid. In contacting with nee rez was told to file on line. My township tax was due in XX/XX/XXXX and was taken from escrow account but tax collector never received. My school tax was taken out of escrow in XXXX and never paid as well. My township tax didnt appear on my escrow account at all. 

After multiple letters telling me they needed more time to investigate the school tax got paid in XXXX but I was also charged most of the late fees in my escrow account. After contacting them again and more letters asking for more time to investigate in XXXX I filed a complaint with the pa dept of banking. Still getting letters they need more time their came to their first deadline with them of XX/XX/XXXX and asked for more time with them. They extended till XX/XX/XXXX and still taxes not paid and now turned over to XXXX XXXX XXXX. 

Contacted the pa dept of banking on XX/XX/XXXX who states she got a phone call from a mr.XXXX  at new rez that states my taxes will be paid. But until she receives in writing she cant follow up any further. 

How is money removed from escrow and bills not paid. Feeling like I'm in a potsy scam that they steal taking from one and moving money around and not paying the bills they are reporting. 

My taxes for XXXX are coming due in XXXX again. Is this going to continue? How is my taxes turned over to the collection bureau going to impact my credit score? When will XXXX taxes get paid and will they return the late fees they back charged me? I want them held accountable for what I feel is illegal handling of my funds. I entrusted them with my payments to make my tax payments.
Consumer complaint received 2017-12-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America said I have unpaid and suspected fraud activity on my account and was closed. The amount was paid and they send me a check back, so now XXXX XXXX  has closed my account down to due to Bank of America mistake. I need my name cleared.