davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I applied for a job with  XXXX  on  XXXX / XXXX / 17   to drive my  own vehicle.  XXXX  submitted my social security number along with a car loan application to a leasing company named  XXXX   XXXX   XXXX  that they are affiliated with on  XXXX / XXXX /   2017  without my consent. This company pulled a copy of my credit file and they are refusing to remove this inquiry with Transunion credit reporting agency. I have called  XXXX   XXXX  the representative told me to call Transunion and she was rude and did not offer me any assistance. I called Transunion and they will not remove the inquiry and they told me that I need to contact the company that pulled my credit file. I spoke with   XXXX   and they stated that  XXXX   XXXX  can pull my credit if  XXXX  allows it. I have attached that correspondence as proof.
Consumer complaint received 2021-08-24
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: Experian Information Solutions Inc. (FL)

This account is not mine. They have been billing me and I made payments because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I stayed at the resort once but only paid for the time I was there. I did not purchase anything from them. I have disputed this but had no resolutions. I realized my information were fraudulently used without my permission to process transactions and open an account without my consent. This is their contact info page for additional reference : XXXX XXXX XXXX Also, I already disputed the said account ( XXXX XXXX XXXX XXXX ) and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted from XXXX  as a fraudulent account. However, it is still reporting negative under Experian when I got my updated credit reports today XX/XX/2021. I've attached a copy of my credit report summary showing that it has been deleted. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records and is hurting my financial stability.
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: Experian Information Solutions Inc. (TX)

Consumer Relations, After reviewing my credit report yesterday. I noticed that a employer was added to my credit report. XXXX XXXX  should not be on my credit report and please move ASAP. Not sure why employers and inquiries are on my report I don't have enough credit to apply for anything. All inquiries in the month of XXXX needs to be deleted. 

Thanks XXXX XXXX
Consumer complaint received 2018-03-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (CA)

I purchased a XXXX XXXX XXXX on XX/XX/XXXX and begin monthly payments of {$480.00} on XX/XX/XXXX thru XX/XX/XXXX timely with no late payments. I had financial difficulties and had trouble making the payment. On XX/XX/XXXX my husband had a car accident in the vehicle ( to no fault of his own ) but it took three months for the repairs to complete and caused additional financial strain because car rental costs that exceeded the coverage had to be paid. The vehicle was released from the auto body shop and two days later XX/XX/XXXX the vehicle was repossessed for having past due payments of {$1700.00}. On Monday, XX/XX/XXXX the {$1700.00} was paid in full by my mother in law via checking & routing but Bridgecrest will not release the vehicle. Instead, they are holding it for an additional 14 days in order to collect more fees and transfer the vehicle to the state of Nevada and charge me transportation costs, repo fees and redemption fee for the auction place in Nevada. My mother in law confirmed with the bank that monies have been deducted from her account yet Bridgecrest will not honor this transaction. My other issue is that Bridgecrest will not confirm any cost in writing, I spoke to XXXX once, XXXX once and XXXX twice whom all said that if I pay {$1500.00} I can receive my vehicle and work out an arrangement for any additional costs, instead I received a Notice of Intent ( NOI ) letter that request {$2800.00}. Over the phone I'm being told that the NOI is standard and those fees aren't guaranteed either and to accept their verbal agreement but since the past due was paid via checking & routing instead of debit/credit I'm being penalized. I need for this vehicle to be released immediately because all of the past due is current and I have a new payment coming up next week. This is a great cheat and the finance charges are extremely high and overwhelming. I want to add that I also have a second loan with the company with a perfect payment history but it doesn't matter to them, all they want is to make people with credit challenges worse when they have a hiccup in payments.
Consumer complaint received 2017-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NJ)

My citicards credit card expired XX/XX/XXXX  but I did not check on why I did not receive a replacement until  XX/XX/XXXX  since I was unexpectedly  XXXX  during that time. I called the number on the back of the card,  XXXX , and asked and was told my account was closed. I gave them my new address and they said that they would send me a copy of the letter stating the reasons to my new address and that they could not tell me anything over the phone. I never received that letter and do not know why my credit card was cancelled. Their customer service is not helping me.
Consumer complaint received 2022-10-12
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, XXXX BANK XXXX, XXXX XXXX, XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX, XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX, XXXX XXXX CT NY XXXX XXXX XXXX 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 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have filed my complaint in XX/XX/2021 I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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 2017-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

Upon graduation college following the 6 month no repayment period, I started making payments on my loans without having full-time employment. It got to a point my loans were not being paid. I reached out to  XXXX   XXXX  now  Navient to go ov er options. I was told my only option is Forbearance which delays my repayment plan and their favorite mantra " We will bring your account to current ''. I received a very brief description of the plan. After looking over the loans I noticed my loan almost doubled over time in interest. I was never told or contacted about other income based options, forgiveness plans, or just help managing my interest at all. I understand I have an obligation to pay back the debt I have borrowed. The company also has a obligation to operate in good faith in their dealings the clients. Not mislead, coe rce, or blatantly operate in a manner to encroach on individuals. My account was placed in forbearance over 5x and  accumulated a large amount of interest. Coming out of college and trying to find a career while paying for housing and living costs are tough. Especially when you add to a higher than normal unemployment rate and employers looking for experienced workers. This process was made tougher in my personal dealings w ith Navient. Since then my credit has suffered and have been in a perpetual cycle of low credit score and high interest on simple things like financing a phone or getting a car loan to drive to work. All thi s due to  XXXX  open line items on my credit which consist of  all ( loans ) in negative standings. I write this to inform you of the deceptive practices by Navient and the long term affects it has had on students, parents, individuals both past and present.
Consumer complaint received 2022-10-12
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: EQUIFAX, INC. (GA)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-11-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FISERV INC. (IL)

We receive online bill payments that are handled by Fiserv out of Wisconsin. They handle the online bill pay for multiple banks. They put various payees in the same envelopes. So for example, if XXXX companies have the same mailing address, they will put both inside the same envelope even though those XXXX companies XXXX have nothing to do with each other. They are not separated in the envelope. It is XXXX check after another in the envelope and who over is the payee on the first check is how it gets sorted due to the envelope remaining closed until it gets to that individual in XXXX. In which case the receivable individuals are able to see checks for other companies that they are not privy to. We tried calling Fiserv and they said that the online bill payor has that in their terms and conditions. I said, I should then be able to walk into a bank by that justification and look at anyone 's account since we both happen to bank at the same bank at the same address. They said the payor has to opt out. As a result of their business practice confidential information is being shared among individuals that should not have access to it. 

I have pictures of checks included in the same envelopes but don't feel like that would be good to upload. In any case, Fiserv said they do that business practice so it's not like they are denying it.
Consumer complaint received 2021-08-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently I looked at a copy of my credit report and noticed this account. I feel that this account is adversely affecting my credit report I have disputed and contact them numerous times in reference to this account I've also provide them with a identity theft report this account is hindering me from purchasing my dream home. 

XXXX is the Balance
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

To Whom it may concern, I have repeatedly provided both XXXX and Equifax with proof that this account, XXXX XXXX has been paid in full and now has a XXXX balance yet they have refused to update my consumer credit report which has damaged my credit score.
Consumer complaint received 2021-11-18
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. (GA)

I was a victim of Identity Theft on XX/XX/2021 I have submitted my Federal Trade Commission report to all three major Bureaus ( Equifax, XXXX, Experience ) to further confirm my status as a victim of Identity Theft due to the EQUIFAX XXXX BREACH. As a result, this caused a lot of headaches to my livelihood I'm not being able to properly use my credit when needed. I have been denied access to XXXX, XXXX, Mortgages because of this.
Consumer complaint received 2019-08-05
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. (UT)

I havesent multiple ketters to credit bureaus in response to innacurrate information on my report. They claim to have " VERIFIED '' account that has not actually been verified. If they had they would see that it is not accurate. XXXX  has already deleted because its innacuarte and Im pleading with the other bureau to do the same and plesse delete this information. Account XXXX XXXX XXXX. Its ruining my credit and I can't buy a house due this this. Please delete immediatly. I'm sending a picture to verify this information is innacurate so delete please
Consumer complaint received 2017-06-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (CA)

i disputed a charge with  XXXX   XXXX    XXXX   in  XXXX  .i re ceived a call on  XXXX / XXXX /  XXXX   at  XXXX  am from someone who only identified himself as an  investigator  who was going to be serving me with a summons.when i told him to go ahead and serve the summons he said you are going to get  XXXX  in the  XXXX  with an american flag.i  hung  up the phone and blocked the number.
Consumer complaint received 2017-06-07
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Jemcap LLC (NY)

There is a company called  XXXX   XXXX   XXXX   XXXX  ... a foreign  XXXX . They have come into our state buying defaulted mortgage debt without a license by the Department of Consumer Affairs and they are using the courts of this state to collect these debts without a license. They present themselves as " Lenders '' without a lender 's license ... they are in our state 's Supreme Court a nd federal co urts filing illegal foreclosure actions because they buy these debts in default without a debt collection agency license ... they are in cahoots with another company called   XXXX   XXXX   or  Jem Cap ... .. the people of this state do not know or are not well informed of legal and / or lilegal debt collection practices and the laws of this state which protect us. A complaint has been filed with the Department of Consumer Affairs and this company has not responded as of yet ... the DCA can not enforce a response but your agency can ... if not maybe you can forward this complaint to the FTC ... they are running amok i n our State against our citizens, under the radar.
Consumer complaint received 2022-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (OR)

I want to ask aidvantage why ALL my student loans were not transferred from XXXX. There is around XXXX still attached to XXXX. I can't get a hold of advantage and why it seems impossible to log in. Are we returning to the days when we have a completely incompetent loan servicer? Everyone knows that the student loans are a complete and total mess so why isn't anyone fixing it? Get rid of thousands in student loans for people that work in normal everyday jobs that will never be able to pay them back. The system is broken- fix it!
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I HAVE PUT DISPUTES IN WITH EXPERIAN ABOUT A BANKRUTCY ON PUBLIC RECORD. THIS PERSON HAS SIMLIAR NAME AND LAST XXXX OF SOCIAL AND LIVES IN AZ. IT IS SHOWING UP ON MY CREDIT REPORT. IT NEEDS TO BE DELETED IMMEDIATLEY. I HAVE DISPUTED SEVERAL TIMES WITH NO LUCK.
Consumer complaint received 2021-11-18
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: EQUIFAX, INC. (VA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2019-08-05
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: EQUIFAX, INC. (FL)

I filed a dispute with equidad in order to add an statement to an account that was closed illegally by the lender. Once the investigation was completed I received an email to see the results. When I tried to access the results the equidad website directed me to call them in order to confirm my identity. I called them and they said they were unable to help me over the phone in order for me to access the results online. They claim they do not have a technical support department to see why I can not access the results online. I spoke with supervisor XXXX who was totally unhelpful and seems like she was making up excuses to get me off the phone.
Consumer complaint received 2019-08-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: World Acceptance Corporation (ID)

In mid XXXX I went in and applied for a loan on behalf to help my brother saved his home from the state of NC, due to being in a hit and run 6 months before, a XXXX for 10 days. As I saw him in XXXX and could tell he had recovered an awful lot.I received XXXX in a loan and was not enough to help him so went back with XXXX dollars, was told to come back on the first of XXXX. Had XXXX dollars on the first, which was half way paid for. A clue of weeks later, got a card about refinancing. Needed groceries, was sick and under a lot of stress at the time, but did not realize that they had started back with the XXXX amount till I had signed the papers. Went home found receipt and realized that the XXXX dollars I had paid was no where on them. Have attempted trying to find out why, and the lady upset me so I called there headquarters in S C, got disconnected and felt that I as being XXXX and only one income had been ripped off. So I called the XXXX XXXX XXXX and they gave me your number so I felt that I needed to make a complaint. As I am too old for for kind of abuse.
Consumer complaint received 2021-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

I filed a previous complaint ( ID XXXX ) concerning Suntrust taking XXXX out of our excrow for forced supplemental flood insurance. I had called more than XXXX times to get specifics and resolve the issue and I took out a supplemental flood policy and provided proof of the additional coverage even though our condo associations master flood policy provides 100 % coverage. I called XX/XX/XXXX, XX/XX/XXXX ( uploaded supplemental policy ), XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was told I needed $ XXXX in supplemental coverage, then I didn't needed it, then I needed it and then they took money out ( along with montly letters ). In XXXX I filed complaint with CFPB and then Suntrust sent me a letter dated XX/XX/XXXX that there was an error, we had sufficient flood insurance through our master policy and the money taken from escrow would be refunded ( which it was ). XXXX XXXX, I received a letter dated XX/XX/XXXX that stated we needed $ XXXX in supplemental insurance and that they had taken out forced insurance and took money from escrow a second time! I called on XXXX and this was confirmed. Suntrust had a copy of the letter on file dated XX/XX/XXXX saying the first time was an error and yet they still sent me another letter and took money from escrow! I was told this would be sent to research. I now also got an email that my escrow is being reviewed and I suspect I will soon be notified that my monthly mortgage amount is going up. This is beyond rediculous. Clearly there is a computer glitch somewhere and no one is actually addressing this problem with a permanent solution.