davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-17
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: Experian Information Solutions Inc. (NV)

This is in response to complaint number XXXX, filed against Experian. Experian seems to be confused as to the reason of my complaint. It WAS NOT a dispute complaint, as this is NOT the forum to properly file a dispute. The nature of the complaint was to inform the CFPB of the violations that Experian is perpetrating against me. As stated, I have formally requested on more than one occasion to have several trade-lines on my personal credit profile 'validated '. I have furthermore asked that according to the law, that after validation ( if possible ) have those validating items sent to me proving they those trade-lines belong to me. Validation proof, according to the law would be contracts with my WET INK signature on them. Experian HAS NOT followed the law according to the FCRA by sending me this validation. Yet Experian only sends that the trades-lines are 'verified '. The law states that there should be a 'reasonable investigation ' for a consumers disputes. Waiting 30 plus days to receive that the items are 'verified ' WITHOUT following the federal guidelines of my disputes are a gross violation of my federal rights.
Consumer complaint received 2019-09-08
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. (DE)

XX/XX/XXXX I settled and paid on XXXX Charged off account in the amount of {$4500.00}. I have notified the company on several occasions that are still reporting the account as a charge off last payment received XX/XX/2019 and not reporting as the stated letter of the settlement. 

I have contacted and sent proof /documentation to all three credit bureaus and they are saying that XXXX is stating that the payments are reporting correctly per XXXX. 

The reporting is inaccurate as of XX/XX/2019 on all three credit bureaus.
Consumer complaint received 2018-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appilied for a loan, a credit report was provided to the creditor from Transunion they gave me a score of XXXX as a result of this low score I was denied credit. I asked for a copy of my report. I saw only one negative report that was a Bankruptcy discharged in XXXX, All my other account are in good standing All payed as agreed. I have not been treated fair by Trasunion. I asked one of my creditors for an increase one my Visa and it was approved I asked for my score it was XXXX from XXXX XXXX XXXX. Why the big differnce in the scores. The date were XX/XX/XXXX for trasunion.
Consumer complaint received 2018-07-11
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: PNC Bank N.A. (FL)

On XX/XX/XXXX I received a notice that PNC had flagged my account for a payment being 30 days late. Here is the issue, over the last 4 years I've never had a late payment. This apparently occurred because I traded in my car at XXXX XXXX on XX/XX/2018 and the dealership didn't pay off the loan for 30 days. I reached out PNC customer service to which I was told by the agent that she agreed the account was settled, had no idea why a late flag was made to the credit bureaus. However, she said there was no way she could correct it and that I had to write a letter to PNC. I wrote the letter and called the executive care team to which I was told it can't be fixed since the dealer paid the loan late. 


The other part of this situation that is considerably frustrating is that on XX/XX/2018 I received a call from PNC in which they were asking if I was making a payment this month to which I replied the vehicle was traded in on XX/XX/2018 to which she replied she would make a note. She did not mention anything in regards to sending a note to the credit bureau for a late payment. I would have made the payment over the phone and just waited for PNC to refund me the overage. 

In the end, I just want my credit report fixed. I have never had a late payment on my report my entire life. This late payment has dropped my credit from a XXXX to a XXXX.
Consumer complaint received 2018-11-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nelnet, Inc. (MA)

My personal phone, and the personal phone of my son are being harassed by call centers that I'm assuming to be associated with Nelnet or XXXX. The person that they are calling and inquiring about is my son-in-law. I, nor do my son have any responsibility to this person 's debt, and all of the payments for any of my children 's debt that I have co-signed for are fully up to date. I don't understand how my son would be harassed by these tactics nor do I understand how they would associate him with my son in law without cross-referencing them through different accounts that we are associated with.
Consumer complaint received 2022-07-27
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)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$620.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$4500.00}, DEPT OF EDUCATIONXXXX XXXX XXXX opened XX/XX/XXXX Balance {$6700.00}, DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$6900.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX XXXX {$6500.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX XXXX {$11000.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$3200.00} XXXX and XXXX XXXX XXXX Date opened XX/XX/XXXX Date opened XX/XX/XXXX Balance {$000.00}.
Consumer complaint received 2019-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (SC)

I did not notice that anything was wrong with my student loans until this morning. I have paid my loan payment through auto-payment for years with the exact same checking account. No information for my checking account has changed. I never received statements from Campus Partners, who was previously my loan servicer until XXXX/XXXX/19. The only info I have received in years, other than tax forms, was notice recently that my servicer was changing. I have gotten no emails, phone calls, or paper bills. 

This morning, I happened to get a notice from one of my credit card accounts that my credit score had changed. I pulled my credit report and discovered my score has dropped from an XXXX to a XXXX! I looked into the details and noticed my student loan payments through Campus Partners were marked as delinquent. This is the first and only time I was made aware of this, and only because I pulled my credit. {$140.00} has been debited from my account automatically on the 15th of every month for years. I tried to access my account on the Campus Partners website to see what was going on, but I no longer show as having an account with them. I also can not access my account through the new servicer. 

I called my bank XXXX XXXX XXXX XXXX XXXX to see if they could help me figure out what happened. They said that they show zero efforts from Campus Partners to draft my account since XXXX of this year. There were no NSFs on my account. Ive had plenty of funds to make the payments every month. Campus Partners simply didnt do what I asked them to do and auto-draft the payment, nor did they tell me it was no longer set to autopay or that payments were late. They simply waited nearly 5 months and then reported me delinquent. Had my credit card not told me my credit score changed, I would still not know. The last draft on my checking account was on XXXX/XXXX/19 for {$140.00}. My bank said theyd be happy to provide info showing that no attempt was made to draft the funds and that no payments had ever been denied. 

Im happy to pay every penny I owe, and I would have already done so, if Campus Partners had told me there was an issue with my payments. Ive never been delinquent on any debt in my life. Ive responsibly paid on this student loan for over 10 years, and I feel it is wrong for them to treat me this way. Ive spent years building my credit score of over an 800. This is simply unethical, and I ask for your help in resolving the issue and getting my credit restored.
Consumer complaint received 2018-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (AL)

There is a credit card from XXXX XXXX that has been opened fraudulently in my name. I have dealt with alot of rude representatives from this place and I have not recieved any help concerning this fraud. I have already sent an identity theft report and nothing has been done.
Consumer complaint received 2019-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (UT)

I was compromised by Equifax with millions of others. My XX/XX/XXXX Federal Tax return was then compromised. i could not get my credit report.online. On XX/XX/XXXX, I called Equifax and had to talk with two different agents. I asked about my credit report. after going through years of credit identification, I was told of the personal name errors and address. I ask them to clear all of them but my first middle and last name. And clear all addresses except the one I have used for the last 20 years. The last three years credit cards, car loans and mortgages were correct. 
I was mailed a dispute confirmation number with my son 's name on it not " mine '. I am his mother. On XX/XX/XXXX, after receiving their email, I talked to two more agents for an hour.They both said I had to send in more identification or file a dispute online. i could not file a dispute because it would not take my social security number or email I've had for 30 years. the last agent walked me through the disput forms online and said I had to file under my sons name. But '' his '' SSI is  different. She could not help me. Identity theft is a nightmare and it comes from this company.
Consumer complaint received 2019-01-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (SC)

My VA mortgage w/XXXX  was sold in XX/XX/2018 to Flagstar, Escrow monies were used by XXXX to pay Insurance while Flagstar paid Taxes. The Taxes decreased in 2018 because of my application for and recieving Homestead Exemption, thereby leaving an overage in escrow. Upon my Inquiry to Flagstar about the approximatly {$400.00} escrow overage and adjust Monthly Payment, I was told that, Flagstar must keep two months cushion in Escrow for a VA mortgage because of RESPA.

I don't know the Rule or reference to RESPA, so I'm making this inquiry. 

With XXXX there was always a small shortage which was rectified the following year with a slight increase in monthly payment. 

Thanks, XXXX XXXX
Consumer complaint received 2019-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MN)

I used the Plan It feature. For three of the purchases, with XXXX, XXXX XXXX, and XXXX PA, the merchants fully refunded the charges. However, American Express has been unwilling to cancel the three plans and refund me all of the monthly service charges I have been assessed. I have been told three times by American Express that this has been resolvedthe last time from XXXX, a Plan It supervisor, who left me a message on XX/XX/2019. But the plans have not been cancelled and the fees have not been refunded.
Consumer complaint received 2019-09-08
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: BMW Financial Services NA, LLC (DE)

XX/XX/XXXX I settled and paid on BMW Charged off account in the amount of {$4500.00}. I have notified the company on several occasions that are still reporting the account as a charge off last payment received XX/XX/2019 and not reporting as the stated letter of the settlement. 

I have contacted and sent proof /documentation to all three credit bureaus and they are saying that BMW is stating that the payments are reporting correctly per BMW. 

The reporting is inaccurate as of XX/XX/2019 on all three credit bureaus.
Consumer complaint received 2019-09-08
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (NY)

This was a Private Student loan that was issued by XXXX XXXX, and now NYSHESC is garnishing my salary for this loan. NYSHESC has never taken any legal action against me to retrieved the funds, and the statue of limitation has been expired over 16 Years ago. NYSHESC does not owned this loan nor was it sold to them. I have send numerous letter to them and they have disregard them. For garnishment Process. Unlike federal student loans, a private lender must proceed by filing a complaint on the defaulted student loan in federal or state court. That means typically the borrower will receive personal service of the summons and complaint, with an opportunity to answer, raise defenses, and appear in Court. This never happened. They are trying to collect on a loan that they do not own. Private student loans can not directly garnish wages without a judgment. So, for a private student loan servicer or collection agency to garnish your wages, that entity must first sue you and obtain a judgment. Guaranteed student loans ( e.g. federal, state, or non-profit guaranteed loans ) can directly garnish your wages without a judgment. there are no Judgment against me.
Consumer complaint received 2019-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TX)

I have a charge off from Synchrony Bank XXXX XXXX XXXX XXXX XXXX in the amount of {$1700.00}. This account was sold, to my knowledge, to XXXX XXXX collection agency as far back as XXXX 2019. I am in the process of paying this debt in full with XXXX. At the present time Synchrony is still reporting on my credit report that I owe them after sending numerous certified letters.
Consumer complaint received 2019-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: STATEWIDE AUTO SALES (CA)

The payment history reporting to my XXXX credit report by Statewide Auto Sales is inaccurate. They are reporting over 20 late  payments ONLY to my XXXX credit report. I reached out to them to correct this matter and they informed me to dispute it with the bureaus. The bureaus are only reporting what they are being sent and they sent XXXX false information. They have never received a late payment from my account but reported to XXXX as they did.
Consumer complaint received 2019-09-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (WA)

I was in an automobile accident on XX/XX/2019 and because of my injuries I was out of work for several weeks. since I was not working during that time, my account went negative because my bills were on auto-pay. I was in the process of getting a personal loan to help get my account out of the negative and to have an extra cushion for my upcoming bills when out of nowhere and without warning my account with JP Morgan Chase was closed. Ive been a customer with them for 7 years and they refused to give me any information as to why they closed my account. And now, because of this closure, I am being blocked from opening any new account. I feel as though I am in a nightmare, not only was I in a horrific car accident, but now my bank is putting me in an even worse situation.
Consumer complaint received 2019-09-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big City Finance, LLLP (TX)

Receive a loan and more interest is being charged, has paid hundreds of dollars and principal still barely going down at all, and deducts this amount out of my accout every pay day every other week. since XX/XX/2019, it is now XXXX
Consumer complaint received 2019-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Performant Financial Corporation (IN)

We recieved a notice/levy from the state of Indiana from a third party collection agency known as XXXX XXXX XXXX XXXX XXXX XXXX. The amount of the levy is XXXX and our accounts have been locked. This was claimed and discharged on our bankruptcy in XX/XX/2017 yet we have been harrassed even though the bankruptcy paperwork clearly states and lists the state of Indiana Department Revenue on the bankruptcy discharge paperwork.
Consumer complaint received 2019-09-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Residential Home Mortgage Corporation (NJ)

Before and on XX/XX/2019 XXXX from Residential Home Mortgage Corporation ( RHMC ) disclosed my private information as well as information pertaining to my assets and bank information with my realtor. Also my loan officer XXXX obtained all the required documentation but my loan is being delayed because according to XXXX " XXXX is no longer with the company as he was fired last Friday XX/XX/2019 ''. 
The communication with XXXX has been always delayed as he doesn't respond to my calls and text and only appears to reply when my realtor gets involved. All the documentation from the bank was given to XXXX and XXXX ( who got fired ) and now they didn't send the documentation to the underwriter in a timely manner, therefore my loan is being delayed and the closing date is within 4 days. 
The emails below proof the interaction. XXXX has also asked me absurd information to approve my mortgage loan including the documentation for my daughter being in the intensive care when she was born and I filled for bankruptcy. I have numerous unjustified requests from this company and they are delaying my approval for my loan. Please review the documents attached. I want my privacy rights to be respected. 

XXXX via XXXX XX/XX/2019, XXXX XXXX  ( 22 hours ago ) to XXXX, XXXX XXXX, Thank you for reaching out. I followed up with management yesterday at the end of the day for a status update. They are looking to further review the file, considering the asset issues we discussed yesterday. I am hoping to have a decision on the loan Monday. The main concern at this point is documenting the necessary cash to close, as we discussed. 

Best Regards, XXXX  XXXX XXXX XXXX XXXX " XX/XX/2019 XXXX XXXX " v " XXXX XXXX XXXX XX/XX/2019, XXXX XXXX ( 22 hours ago ) to XXXX, XXXX Hi XXXX , I have been calling you and texting you and no replies why now you are responding to others and now complaining about money to close????? 

Ridiculous your action. I am invoking my privacy rights immediately. 

Thanks, "
Consumer complaint received 2019-09-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (AZ)

I had a car loan from Honor finance was going through a tough time lost job and had a repo. I did not want a repo on my credit so i contacted Honor finance and made an arangement with them to pay back what i was behind on and that i would get the car back. I made my payments every two weeks to catch up i called to make my last payment to honor fiance to get my car back and came to find out the company no longer exists and that they claimed bankruptcy. Due to the bankruptcy my account was reffered to another company called west lake finacial i called them to make my last payment and get my car back to find out from one of there reps that my car was sold in auction and that they had no information of the deal i had worked out with my original company honor finance i am disputing the dept since my arrangements that were set with my original financing company were not followed on there end. I have emails from my original financing company of our agreement and feel as if i was being lied to and cheated out of my money.
Consumer complaint received 2022-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

THEY ARE VIOLATING MY RIGHTS ATTEMPTING TO COLLECT A DEBT THAT IS NOT MINE. 

ACCORDING TO : 15 U.S.C 1681 SECTION 602. 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-04-06
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. (NH)

In accordance with the Fair Credit Reporting act 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 2020-09-23
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. (UT)

XXXX XXXX XXXXy is reporting a debt on my credit report that is not mine. This account is a fraud account and not mine. I have never had an account with XXXX XXXX or ever received any cameras, or systems in my home. This is a mixed file and I demand this account to be removed off my credit before the next call I make will be to my attorney.