davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: M&T BANK CORPORATION (MD)

On XX/XX/2021 we went to the M & T branch on XXXX XXXX with the intention of opening a savings account for our XXXX son. We are the court appointed guardians. Our son 's SSI money has been deposited into his existing M & T checking account for almost 10 years. 

We were told our son must appear in person to open an account. We explained our son is XXXX  and unable to XXXX. The M & T representative was indifferent stating that was M & T policy. We asked for a copy of the policy. Our request was denied. We asked for specific guideline on what documents needed to be submitted. Request denied. 
XX/XX/2021 our request for access to the policy was denied by the branch manager at the M & T XXXX XXXX branch. 

On XX/XX/2021 we filed a complaint ( XXXX ) with the Maryland Office of the Attorney General. On XX/XX/2021 in a letter from that office we were told our complaint had been forwarded to CFPB in XXXX, Iowa. Can you help?
Consumer complaint received 2018-04-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (MA)

The complaint is in response to a phone call made to Nelnet concerning my request to have inaccurate late payments removed from my credit report. My credit report reflects several late payments XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX. During all of those time periods my loans were placed in an Administrative Forbearance meaning that my account should have not only been brought current but also backdated to reflect that. During the phone I was told that such reports could not be removed unless I was in the military. The representative explained that although I am correct the Administrative Forbearance is backdated making those payments current once Nelnet reports to the credit bureaus it could not be corrected. Contrary to these assertions, by failing to update previously reported information, Nelnet is in violation of Section 623 ( a ) ( 2 ) of the FCRA.

I have attached an FTC advisory opinion, which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ).

The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer-reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct.

Nelnet representatives told me that because the delinquent payments were accurately reported that any subsequently initiated forbearance would not allow for Nelnet to update reports to CRAs to show that the payments were not late and actually in forbearance. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. * These inaccuracies are hurting my life in a major way and should be corrected.
Consumer complaint received 2018-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i disputed, via certified mail, inaccurate information XXXX XXXX XXXX was reporting to the credit bureaus, as per the FCRA. I also called XXXX XXXX XXXX twice about this concern. The account is showing as Charged off/in collection when this is in fact not the correct information. My dispute came back as verified which is a blatant lie and against my rights under the FCRA. I am requesting that this account be removed from my credit report due to the companies failure to correct inaccuracies correctly as per the FCRA.
Consumer complaint received 2018-12-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC. (MD)

In XXXX of XXXX, Applied for help throught XXXX XXXX XXXX ( XXXX ) to negotiate a lower rate on mortgage paid approximately {$4500.00} total for the help. In XX/XX/XXXX was told could not do anything for us and to look at filing CH XXXX. I later found out XXXX was not licensed to do business in the state of MD. Had a previous mediation, had to borrow $ XXXX to keep from losing the house. Had a company write a complaint to CFPB, but it was never filed. I feel my wife and I were victims of predatory lending.
Consumer complaint received 2018-12-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revenue Assurance Professionals LLC (TN)

I notified the debt collector and let them know that I paid my bill and that I also paid on one bill. The representative said they didn't see any information in the system at all. I sent them a copy of the receipt around XX/XX/2018. No one has responded. When I called back and asked did they record my call with the representative they said they record some calls but, mines wasn't recorded. I still have those bills on my account. 
The next claim is with an insurance agency. I called to let them know I could no longer afford the insurance and to cancel it. She said when we first started talking that the call was being recorded. I said ok. Now they are trying to charge me for not paying for 3 months. So, asked will you please pull up the call in which I was informed that was being recorded they couldn't find the call. I cancelled my insurance 3 months before and now they are trying to charge me. I also, made a Co-payment to the hospital in the emergency room. But, they said I owe a full payment which is unfair. I paid my co-pay but, they didn't deduct it from the bill. I don't owe these debts.
Consumer complaint received 2023-03-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OK)

On XX/XX/2023 I was scammed for concert tickets through XXXX XXXX  To transfer money I used Venmo. I paid them {$500.00} and they never sent any tickets. I looked into their account and it is a scammer account. I contacted Venmo and they said they will put in a claim but do not think I will receive a refund. I then contacted my bank and they said to contact Venmo that they could not do anything because it was a cash based transaction.
Consumer complaint received 2022-10-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit International Corporation (OR)

I received a notice of garnishment via mail less than a week before my pay started being garnished by my employer to satisfy the garnishment request they also received. 

This was the FIRST EVER NOTICE OF THIS DEBT I HAVE EVER RECEIVED! Prior to this I had ZERO notice of this debt or that it even existed, that I could dispute it, or anything. ZERO attempts have ever been made by the collector to contact me to notify me of the debt OR collect on it. 

Since they have completely failed their due diligence to even attempt to resolve or notify me of the debt, this was an unfair and illegal garnishment and has caused undue hardship on my household as I am also the sole income earner. 

When I was notified of the garnishment, I also received no grace period to address or dispute the debt before collection occurred via garnishment. I was prohibited access to or notice of my rights of this debt and all actions taken were in direct violation of FDCPA standard. 

This was an unfair attempt to illegally secure funds for an unknown debt with no attempts on the collectors part to even collect the debt prior, or notify me of it. 

I need 100 % of my $ returned and this debt removed and need this to be filed as a matter of public record that this collector directly violated my rights as an individual.
Consumer complaint received 2024-02-29
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries.

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 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the
report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-11
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. (MO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-12-11
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diversified Consultants, Inc. (NC)

this company DIVERSIFIED CONSULTANT keeps calling all day, & all night, and i told them they have wrong person, and they refuse to really identify themselves. I told them no sales please, & remove my number. een informed them im on donotcall list. this is beyond harassment. they need to be handled. they curse, they threaten me. bullys.
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

this is my second dispute I am up to date on my payments & even paid more than I owe monthly I am on good track record & got very damaging information on my credit report late payments & I'm am not in agreement with this credit reporting company they have no right to damage my credit with these aligations! the Credit Bureaus have NO right to list your personal financial information on your credit report. They are required by law to verify and validate every single account on your report. show me proof that I am in agreement with you credit Bureau with my signature if you can't provide me with that than you have to take the late allegations all allegations off my report unless u provide me with proof that I'm in agreement with you show me my signature & agreement with you? you said that you were going to talk to the sources this has nuttin to do with anybody but you you have to provide me with legal documentation & signature
Consumer complaint received 2018-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Trans Union did not verify the XXXX XXXX account # XXXX on my credit report, after I sent them four certified letters.
Consumer complaint received 2018-12-11
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 am an identity theft victim. 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 any way. I've reach out to the credit bureaus several times, but I was not successful as I've now learned that all the disputes and letters I've sent in were just verified electronically, or sent overseas for processing. I am wanting to block these fraudulent accounts from my credit report, they have don't so much harm, and cost me lost of money with the lenders that I now do business with. After consulting with my attorney and a mortgage broker, then informed me of my options in handling my situation.
Consumer complaint received 2018-04-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation (CA)

I called Avant to request a lower my 29.94 APR but the rep said the only way I can receive a lower APR is if I would agree to borrow an additional {$1000.00}. I feel as though I am being ambushed without any way to get from under this loan quicker. I am a veteran and live on a limited income. I need help getting my APR lowered so I can pay this loan off sooner because they are gouging me with all their fees. I have an amazing payment history which has been on time and I don't know why they can't lower my APR. I feel as though the fees should hlf the amount they are charging. 

See below : FEDERAL TRUTH IN LENDING ACT ( " TILA '' ) DISCLOSURES ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 
29.94 % FINANCE CHARGE The dollar amount the credit will cost you. 
{$2800.00} Amount Financed The amount of credit provided to you or on your behalf. 
{$5300.00} Total of Payments The amount you will have paid after you have made all payments as scheduled. 
{$8100.00} Payment Schedule : You must make 35 monthly payments of {$220.00}, with the first payment due on Friday, XX/XX/XXXX, and each subsequent payment due on the same day of each month thereafter, and a final payment of {$220.00} plus any unpaid fees, charges, and interest due on Friday, XX/XX/XXXX. 

Security : Your Payment Authorization as set forth in Section 3 ( b ) of  this Note secures repayment. 

Late Fee : If a payment is not paid in full within 10 days after its due date, you will be charged {$25.00}. 

Prepayment : If you pay off early, either in full or partially, you will not have to pay a penalty and you will not be entitled to a refund of part of the finance charge.
Consumer complaint received 2018-04-24
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. (MO)

After reviewing my credit report there's misleading information that appears on there, more specifically an account that does not belong to me, it looks like this account was opened fraudulently on XXXX.
Consumer complaint received 2022-06-14
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. (NC)

A request was sent to XXXX and Transunion on XX/XX/22 and XX/XX/22 for an collection account in the amount of XXXX $ for account # XXXX. With doing so I requested copies of the original contracts due to illegal collection and fees not agreed to signed by either merchant or myself. These request made is asking for signed contracts not for these credit agencies to continue updating this collection on my credit profile. This account still remain on both XXXX and Transunion credit file and have not been fully validated as requested.
Consumer complaint received 2022-06-14
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. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-04-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TN)

Green Tree Servicing lost all my personal papers when switching over to ditech receiving harassing phone calls starting at XXXX XXXX. to XXXX tried to call them back they would give me the runaround transfer me tried to say I was behind on a payment I have reference numbers to prove I wasn't found out my money was in lingo they serve me papers 4 court the paper said I was served was not for me they were for somebody else I've got their personal loan information different name wasn't even my name they makes my lawn up with somebody else 's loan I've called several times they said they can't explain it I said I need it fixed now they're trying to put me in foreclosure with somebody else 's stuff
Consumer complaint received 2019-01-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (AL)

I purchased a new home in XX/XX/2018 and my loan was for XXXX at closing. 
I sent in a payment in XX/XX/2018 for XXXX to apply to my principal on my loan. my balance was XXXX and my loan was purchased by Loancare. My first statement reflected this. now my balance shows XXXX. On one can tell me where my momey went. Please help.
Consumer complaint received 2018-04-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (IL)

On XX/XX/XXXX, I submitted an application into XXXX XXXX to enroll in the IBR program. A few days later, I was notified that I needed to submit my paystubs as income documentation. I did receive a response. 
One XX/XX/XXXX, I resubmitted a brand new application into XXXX for the IBR program via fax along with my pay stubs. One month later, on XX/XX/XXXX, I received an email from XXXX XXXX   that they've " received your request for an Income-Driven Repayment ( IDR ) plan. Unfortunately, we are unable to process your application at this time because your request was not complete. You didn't provide complete income documentation. '' A few months later, due to very arduous life circumstances, I was not able to give my full attention to my XXXX account and was not discerning of XXXXXXXX XXXX   recommendations. I simply assumed they had my best interest. I called XXXX  XXXX  and they persuaded me to apply for the forbearance program. Naively, I complied and was approved. When my forbearance ended, I accrued a number of late payments and was never informed by XXXX that I could receive forbearance again. I was approved for a second forbearance and then unknowingly accrued a few more months of late payments. 
None of this would have occurred had I been on the IBR/IDR plan to begin with, but XXXX was negligent in processing my application. Today, XX/XX/XXXX, I called to inquiry about my application. They said that they got my pay stubs but never my application. The email XXXX sent me on XX/XX/XXXX stated that they received my application but could not process it because they didn't receive my pay stubs which is completely contrary to what they have on record today. They claimed they MAILED me a denial letter and even another application which I never received. Nevertheless, they lost my application twice. The years I was steered into forbearance, accrued more debt due to interest capitalization, and late payments, I should have been on the IDR program. XXXX  XXXX   apparently lost my application TWICE and then was able to take advantage of me at the most vulnerable time of my life.
Consumer complaint received 2018-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNT WITH XXXX CARD APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Consumer complaint received 2017-01-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed with the credit burea regarding an inaccurate public record ( Bankruptcy ) being reported on my credit report. I never file for bankruptcy. I contact the BK courthouse, and they agree, they do not report to the credit agencies, and they are not responsible for inaccurate records being held at third party companies. I have also sent a copy of my dispute letter to the Transunion XXXX XXXX CEO. I never filed bankruptcy and Transunion is in violation of the Fair Credit Reporting Act 623 ( a ) ( 3 ) My next step is to file suite against Transunion, they have never verified and validated with the BK courthouse, like they claim, I know this, because the BK court house does n't communicate to the credit bureaus. They are getting information from thrid parties, which there information most of the time is not accurate.
Consumer complaint received 2022-06-14
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. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions