davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 2022-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

I applied for auto payments for my mortgage payments. My loan was sold to another bank and I was never notified. I missed 9 payments becuase I thought I was on auto withdrawals. When I spoke to them, they said there was a system error and that's why I never recieved notifications. I was also never notified that my payments were late late.
Consumer complaint received 2018-11-08
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. (GA)

I need your help with XXXX, Experian, XXXX that is reporting bankruptcies and other accounts that are not mine. Please have them to prove where I filed bankruptcy and opened these accounts. I would like for the incorrect information to be removed from my report immediately. 
1. Bankruptcy : Discharged CH-XXXX XXXX : XXXX Experian : XXXX XXXX  : XXXX. 
2.XXXX  XXXX XXXX XXXX XXXX Experian : XXXX XXXX : XXXX. 
3.XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX. 
4.XXXX  XXXX  XXXX Experian : XXXX 5.Bankruptcy : Discharged CH-XXXX XXXX : XXXX Experian XXXX XXXX XXXX  : XXXX.
Consumer complaint received 2018-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

On XXXX XXXX, 2018, I viewed my free credit report on Experian. It shows zero credit history and offers a 1 $ FICO score on a 7 day membership, then charges XXXX dollars a month if not cancelled within 7 days. I DID NOT SIGN UP OR GIVE MY DEBIT CARD INFO, but somehow still received an email with a membership ID and {$1.00} was charged to my bank account. 
Experian claims the only way too cancel a membership is by phone, but every number is automated, with zero option to speak to a human, and states that I am not a member.

This company is going to ruin my credit before I can even obtain credit to begin with, how is one of the three main credit bureaus allowed to be a complete scam?
Consumer complaint received 2018-05-20
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)

This is now my second request for your agencies to remove two items that I am not responsible for I have request prior and they are still listed There are two accounts that do NOT belong to me which are XXXX # XXXX XXXX XXXX # xxx I am NOT liable for these two accounts these need to be removed off of my personal credit file. 

I have already mailed two request also this needs to be addressed ASAP
Consumer complaint received 2023-03-17
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (GA)

I walked into a branch to open a business account today. I was told by XXXX XXXX XXXX XXXX XXXX that there is confirmed fraud on my account and that it was scheduled to be closed, and I would was not welcome to open any accounts in the future. 

After calling the fraud department they said they had no clue what I was talking about and there was no fraudulent activity detected on my account at this time. 

At this point someone is guilty of induction of fraud by giving me false statements. I have not even received a debit card so there is no way that there is any activity on my account, let alone some confirmed fraudulent activity as XXXX XXXX stated. 

I feel that Truist Bank is harassing me with discriminating treatment. Its not fair that I cant have an account but other people can. Its also not fair that they are saying that my account is fraudulent when its not.
Consumer complaint received 2022-07-12
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX Bank XXXX 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 2018-11-08
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. (AL)

I have disputed the information through XXXX XXXX in XX/XX/XXXX is order for this information to be removed from my credit report. I have contacted a credit counseling agency and they will send letters to the credit bureaus to remove the information from my credit report. Basically someone has used my social security number to obtain student loans in my name. I was XXXX from XX/XX/XXXX through XX/XX/XXXX. I did not graduate from high school therefore I do not qualify for student loans and I have never attended a college or university.
Consumer complaint received 2022-06-17
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2017-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (IN)

The loan servicers at Navient are providing false information and has placed me in a loan repayment plan without my authorization. They have also failed to provide accurate information to receive loan forgiveness as a federal employee.
Consumer complaint received 2022-06-17
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. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-17
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)

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-01-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I sent XXXX a validation letter for 2 accounts RE : # 1 Account # : XXXX # 2 Account # : XXXX They failed to validate both of these accounts. # 1 Account # : XXXX they failed to send valid proof for this and for # 2 Account # XXXX they never even responded but continue to report this account to my credit file even though it has been past 30 days. As well as verified the account with the credit bureaus.
Consumer complaint received 2018-11-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: U.S. BANCORP (WI)

XX/XX/XXXX, I cashed out my deceased wife 's IRA. They said they would mail the check. I waited 8 weeks. No check. No call. Finally, my patience wearing thin, I called the bank. I heard a number of excuses ... " I think they lost it '' ... " They probably forgot you '' and the official line after a later call-back was " Some of the paperwork is illegible, so you have to come back in and re-sign some stuff ''. I did so on XX/XX/XXXX. And then waited some more. Two more weeks passed. No check. No call. I called back again and was told on yet another call-back that they " process these in the order they receive them, and sometimes they take time. But I'll put a rush on yours ''. I waited again yet another two weeks. Still no check. No call. I had been dealing with personal banker XXXX XXXX. Now I called YET again and spoke to Sales & Service Manager XXXX XXXX. I was told there had been a issue with the EIN number. I was assured that this would be resolved, " But it will take some time. '' I called AGAIN XX/XX/XXXX and requested that someone call me back with a status update. While on the phone, I was told they " transposed numbers on the documents, but that's been fixed, and we'll get you a timeline. '' No call-back. And of course, still no check. I've been waiting 12 weeks now ...
Consumer complaint received 2023-03-21
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/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 2023-03-21
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. (TX)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-06-18
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. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX  account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-21
Product: Debt collection — Private student loan 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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had a private education loan from Bank Of America, I took the loan out in XXXX. I was able to keep up with the loan for several years but with a job loss I got behind. The debt ended up getting charged off and fell off my credit report around XXXX. In XXXX I relocated for work from XXXX XXXX to XXXX XXXX  in XXXX. XXXX I was sued by XXXX and XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, representing XXXX XXXX XXXX XXXX. They stated, Bank of America assigned their interest in agreement to XXXX XXXX XXXX in XXXX. They had one attempt to collect the debt XX/XX/XXXX they sent a collection notice to my address in XXXX, XXXX months after I moved. The collection notice is from XXXXXXXX XXXX XXXXXXXX... Which I will add is owned by XXXX of the board members at XXXX XXXX XXXX. Here is my case information XXXX XXXX XXXX, if you go to doc XXXX there is an in depth break down of information I was able to put together. Such as proof it was a private loan. A screen shot of XXXX XXXX XXXX own website advising they are not affiliated with any banks that they are an independent company that specializes in the development and administration of documents to assist debtors with the necessary paperwork needed to complete federal student loan consolidation and or forgiveness process. Their company profile is a passive debt buyer. I also was able to find out that all the collection agencies which all have names that read as if attorneys, are all owned by different board members of student loan solutions. The attorney is filing a suit a month every month against people, since XXXX. I have attached a copy of my filing to the court.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # 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 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (SC)

Hello : I am filing this complaint against Jefferson Capital Systems , LLC. They are a debt collection agency that is reporting on all three of my credit reports ( XXXX, XXXX and XXXX ) and they should not be. 

I want them to delete their tradeline from all three of my credit reports immediately. 

This account is closed and should not be reporting anymore. 

Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX This is a result of an old account with XXXX XXXX and it is closed and old and I think because of Jefferson Capital Systems , LLC it is reporting twice on my credit reports. Please remove this information from my credit reports immediately.
Consumer complaint received 2018-11-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (KY)

I called in on XX/XX/18 and spoke to a lady about a forbearance. She advised me that I was no longer allowed to forbear my student loans. I advised her that I have been struggling to raise a family of XXXX for the last 20yrs and I know that at some point I will have a to start paying, but not today. I still have one more child in school and hopefully after that we'll be financially stable to start paying. She said now that my loan is serviced by Navient, I am no longer to do a forbearance unless I transfer all my loans to them. I said no, that sounds like a housing refinance scam, when one servicer takes over managing an account, I have no reason why I need to refinance my student loans. She said then you have to start paying. I told her that was not acceptable. She advised she can do an emergency forbearance for 60 days, but I had to pay {$50.00} and then decide in XXXX if I want to consolidate my student loans under Navient. I have XXXX XXXX Funds student loans from Sallie Mae. One I obtained while I was in school at the University of XXXX XXXX, XXXX XXXX Ohio and the other when I went back to school with the University XXXX XXXX ( online ) to finish up my bachelors. As head of household, mother of 3, I had to finish getting my bachelors in order to provide for my family. Though the years, I've been able to progress in my career and am finally almost to a point where I'll be able to start being financially stable. Having to make a $ 500 monthly payment will continue to cripple our family and we'll never be able to enjoy financial stability. Again, I know eventually I'll need to start making payments, however until then, I would like to continue forbearing them until I am ready. The lady on the phone said I am limited to 60mths of forbearing, I told her I have been doing so for the last 20yrs with Sallie Mae, she said now that I am with Navient that I can't do that any more. She said the only way I can start doing it again, is if I transfer my loans to them. I'm concerned with losing my interest rate and any benefits of having a government student loans. I asked her to point out where in my contract that says I am limited to 60mths, and she said that she can't do that. That she's only going by her servicing rules. I told her that if that is not in my contract as a restriction, that she can not restrict me in this manner and force me to refinance. I also asked that she have someone review my contract and let me know what I am " required '' to do.
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (AR)

I graduate college. I moved to another address. Never got any kind of mail/email about a payment due. Months later XXXX missing payments showed up on my credit report from student loans. I had no way of knowing what and when was due. I later got the loans forbearance because of low income. These missing payments should not be on my credit report because I was not informed.
Consumer complaint received 2017-11-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Dealer Funding, LLC (SC)

Dealer Funding is on my credit report when it should n't be. The problem that happened was I got it to an horrible car accident and my car insurer paid it off plus I had gap insurance so the car was totaled and paid off, all of this took place in XXXX Now that it is XXXX I have been disputing this company on all three credit bureau and still it is on my credit. The number to the company is no longer in service. Also my mother was my cosigner on this account at it is n't on her credit but its on mines and I 'm not understanding this when it was paid buy the insurance company in XXXX. Please help me resolve this issue because it is a burden on my life!!!!!