davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XXXX XXXX I received documentation that my request to remove my cosigner was denied for " insufficient income for amount of credit requested ''. For a number of reasons I believe this determination is unjust and inappropriate for my current financial situation and the current guidelines in place by XXXX XXXX to remove a cosigner. No where in the application does it state that I must have a certain dollar amount of income yearly to be approved for the cosigner to be removed, even with that being said I make a very decent amount of income for my age and debt- very easily making monthly payments. According the cosigner release form the guidelines to be met are of the following : I must complete the entire application, which I did. I must meet the age requirement of 18, which I have. Provide graduation completion documentation, which I did. Be a US Citizen, which I am and forever will be. Provide proof of income, I provided my recent pay stub along with my W2- with a very reasonable income. Be current on my service loans and with in the past 12 months, which I have been in repayment for over a year now and have never missed a payment. The next is demonstrated a satisfactory payment history for the last 12 months. And finally no student loans in hardship or forbearance, which I have never had. They did state they would run a credit report the support the fact that I will be able to assume full responsibility for repayment of loans and to make sure there are no signs of bankruptcy, open foreclosure, student loan default or delinquencies. So at meeting all these guidelines and applying, I had no concerns of having my application not being accepted. Then when I received the form on XX/XX/XXXX stating my income was unsatisfactory, I strongly disagreed. On XX/XX/XXXX I requested a form from transunion to dig further into why I may have  not been accepted. The same time I had called and spoke to XXXX XXXX about it and the representative told me that I had no grounds to dispute the subject. I am currently awaiting a response from TransUnion on the grounds that they used my old income to calculate the report versus the W2 I had submitted. I have a decent credit score and steady income, currently I have no assistance from the cosigner on my loans and am making payments in full.
Consumer complaint received 2022-05-03
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2022-05-03
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. (MA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX - XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

XXXX5 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 2020-08-03
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (CO)

I received an unexpected US Bank Reliacard on XX/XX/XXXX. The accompanying information said " Colorado Department of Labor and Employment ( CDLE ) automatically issues a Reliacard to every claimant who files for and is approved to receive unemployment benefits. '' I am retired and have not filed for unemployment. 

My first action was to contact US Bank 's Cardholder Services at  XXXX. After 30 minutes on hold, XXXX informed me I had the wrong department and transferred me to XXXX who told me I had the wrong department and she transferred me again. After 45 minutes on hold I gave up! 

I called the CDLE on XX/XX/XXXX and was informed by XXXX a claim for unemployment had been submitted in my name but that no payments had been made and the claim was locked. He also said he is seeing many of these cases.
Consumer complaint received 2019-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

I have a conventional mortgage on my home in XXXX XXXX, Maryland. The mortgage initially was serviced by XXXX XXXX XXXX, but effective XX/XX/XXXX, XXXX XXXX XXXX began servicing the mortgage. My account number is XXXX. 
XXXX  XXXX XXXX  is now XXXX. 

In XXXX, I prepaid in full real estate taxes of {$510000.00} that were going to be due in XXXX to XXXX XXXX, Maryland. Nevertheless, a monthly amount was placed by the mortgage servicing company in escrow during XXXX to cover those taxes. 

On XX/XX/XXXX, XXXX  XXXX XXXX  notified me that it had received a refund check from XXXX XXXX, Maryland for the XXXX taxes I had prepaid. It said the refund was due to my overpayment of my real estate taxes. XXXX XXXX XXXX  said it would pay this surplus to me " when your mortgage account goes through the next schedule annual analysis. '' However, by the middle of XXXX, I had not received the refund of {$5100.00}. I called XXXX XXXX XXXX in XXXX to ask about the refund. The representative told me that the next review for Maryland accounts would be conducted shortly, and that I would receive half the refund in XXXX and half in XXXX. 

I did not receive any refund in XXXX or by XXXX, XXXX. I called XXXX  XXXX XXXX in XXXX and asked about the refund. The representative told me that the next review of Maryland accounts would be conducted in XXXX and that I would receive the refund later in XXXX or XXXX. 

I did not receive any refund in XXXX. I called XXXX to complain. A representative told me that the review for Maryland accounts would be conducted in XXXX, and that I would receive the refund in XXXX. 

To date, I have receive no refund. My three telephone calls supposedly were recorded, so XXXX has a record of my complaints. I am convinced this is a scam by XXXX to hold on and use my money for as long as possible, depriving me of the refund and the interest I could have earned on it. I doubt I am the only consumer affected by this scam. 

I ask you to investigate and compel XXXX to pay my my refund of {$5100.00} with interest back to XX/XX/XXXX.
Consumer complaint received 2022-05-03
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. (MA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX - XXXX Account Number : XXXXXXXX XXXXXXXX XXXX Account Number : XXXX 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 2020-08-03
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. (OH)

Hi, I have sent certified letter XXXX XXXX # XXXX about this account. I have requested Validation of Debt, which they have never provided and I'm not familiar with this account.

There has not been a payment made on this account in over 12 months ; therefore, account should be reported as Charge-Off / Written Off. The account say ACTIVE AND OPEN.

It's against the law to lie to investors stating you have open accounts when you really don't. Therefore, CFPB may want to look into XXXX XXXX as well. 

Please remove this from my credit report ( s ) ASAP! As I have requested information and it was never provide and it's been over 35-60 days. I have the certified mail receipt if required as well.
Consumer complaint received 2019-02-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

I begin paying back a {$22000.00} student loan in XX/XX/XXXX. I paid 75 months of {$140.00} ( total {$11000.00} ) ; 47 months at {$71.00} ( total {$3400.00} ) ; 24 months of {$100.00} ( total {$2500.00} ) ; and one payment of {$300.00} for a total of {$17000.00} to SallieMae/Navient. The interest is suppose to be 4.875 %. Over the past 13 years I have never missed any payments and pay on time monthly through direct debit. On this day XX/XX/XXXX, I still owe {$16000.00} on a {$22000.00} loan that I have paid {$17000.00}. Only {$6000.00} of the {$17000.00} that I have paid has gone to the principle and {$11000.00} has gone to the interest. How is this legal and ethical. I am XXXX years old and will go to my grave before this is ever paid off. I have looked at my current payment plan ( all I can afford ) and The payment will triple in XX/XX/XXXX and be paid off in XX/XX/XXXX with a grand total of {$35000.00} being paid back for a {$22000.00} loan.
Consumer complaint received 2022-05-03
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. (FL)

In accordance with the fair credit reporting act the following companies has violated my rights. 
15 U.S.C. 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. 

XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-03
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. (OH)

Hi, I have sent certified letter XXXX XXXX # XXXX about this account. I have requested Validation of Debt, which they have never provided and I'm not familiar with this account.

There has not been a payment made on this account in over 12 months ; therefore, account should be reported as Charge-Off / Written Off. The account say ACTIVE AND OPEN.

It's against the law to lie to investors stating you have open accounts when you really don't. Therefore, CFPB may want to look into XXXX XXXX as well. 

Please remove this from my credit report ( s ) ASAP! As I have requested information and it was never provide and it's been over 35-60 days. I have the certified mail receipt if required as well.
Consumer complaint received 2023-03-28
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: EQUIFAX, INC. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2022-08-18
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I have reviewed my credit report from the three major bureaus and discovered several errors with the reporting by XXXXXXXX XXXX XXXX XXXXXXXX. 

The XXXXXXXX XXXX XXXX XXXXXXXX tradeline shows several late payments across the three major bureaus. The alleged late payment dates are listed in Exhibit B. These alleged late payments are invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not been authenticated as required by the FCRA. 

XXXXXXXX XXXX XXXX XXXXXXXX is damaging my character, creditworthiness, and wellbeing by falsely reporting those non-compliant unverifiable late payments on my credit report. 

Under the FCRA, a consumer has the right to request certified proof of any information reported to the credit bureau by a data furnisher ( XXXX XXXX XXXX XXXX ). I hereby request that XXXXXXXX XXXX XXXX XXXXXXXX provide me with certified proof to justify your reporting these several alleged late payments. 

I am specifically requesting for certified proof that your company complied with the FCRA and all its mandated rules when it comes to reporting accurately. 

If XXXXXXXX XXXX XXXX XXXXXXXX does not or can not provide this required proof, I demand that the Alleged late payments listed in Exhibit B be DELETED from my credit report immediately. ( Copied from attached affidavit ) ****
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

I was approved for the Care Credit card as I began my process of finding a XXXX. I received notice that I must make a purchase before XX/XX/XXXX and have emails stating this date or they will close the account. The account was closed XXXX days prior to that date when I had a XXXX XXXX  for the next week that fell before the XX/XX/XXXX date noted in their communications. It was misleading and harmful.
Consumer complaint received 2023-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (GA)

I reached out to the debt collection agency and they agreed to a pay-to-delete solution for 40 % off of the original amount owed. However, the account that was supposed to be deleted from my credit report is still being reported on my report. I reached out to the original creditor and provided them with proof of payment and they said they would update the information but never did. They have received records of the debt being settled but still refuses to remove the item. I've contacted both parties on multiple occasions and all they have done is put the responsibility to remove and stop reporting the item on each other.
Consumer complaint received 2022-05-03
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.
Consumer complaint received 2022-05-03
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. (FL)

This was not sent in error I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.
Consumer complaint received 2023-06-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc. (FL)

I have called the company multiple times notating that my rights were violated when purchasing the car. I was not offered insurance during purchase. The rates are currently too high and they have disregarded my rights. Under truth lending 15 US code 1605 determination of finance charge. I will settle the for the title of my vehicle and refund the amount I have paid.
Consumer complaint received 2023-01-04
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. (FL)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that XXXX the XXXX whos disputing the item that is UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of item that is UNKNOWN to me : XXXX XXXX XXXX  XXXX Open Date XX/XX/2020 Balance : {$11000.00}
Consumer complaint received 2022-05-03
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. (OH)

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 2023-01-04
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 — Was not notified of investigation status or results
Company: Credence Resource Management, LLC (OH)

On XX/XX/2022 I emailed Credence Resource Management LLC, regarding letter that was sent to me. Per the letter I have until XX/XX/2022 to respond, and I responded by email stating I had no idea who this company was because I had never worked with them before. I requested written documentation to prove this account actually belonged to me. They responded asking for my personal information which I did not give. I will attach the emails between me and this company who I have never worked with. Also per the letter that was sent to me they must stop collection on any amount i dispute until they send me the written documentation that i had requested. I recieved an alert on my credit profile saying that I had a new collection on my report. I took screen shots of my XXXX  and my XXXX report showing that they put this collection account on my report without sending me the requested documentation and doing it before the 30 day time frame where they had to stop all forms of collection until the requested documentation was recieved I had until the XXXX of XXXX and they placed on my report in XXXX. I did not receive the information I was requesting. They have broken the law!