davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-06
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. (TN)

I attended school in XX/XX/XXXX for XXXX XXXX at XXXX College in XXXX, LA. I was unable to obtain a job after graduating. I was able to put into forberance for years. I had XXXX children & my husband was the only one working. XXXX XXXX turns to navient & i continue to keep loans in forberance. I had XXXX more kids to equal XXXX children. I file for my XX/XX/XXXX taxes & there is a problem navient wants {$11000.00}. I call explain my situation, we have XXXX children, my husband is the only one to work, and we DO NOT recieve benifets from the state of any kind. While on the phone they lift the debt from irs, and set up a {$5.00} a month payment plan. I was told to be sure an file injured spouse for my husband we did everything instructed. Not only did they take my {$7300.00} income tax but they also took our {$460.00} state tax. This is unfair to us, we use that money to catch up on bills, take our children on vacation, & buy school supplies and clothes. We did what we were told and they still turned around and took the money. I know i own that debt & i have to pay & i would if i could recieve an affordable payment option, not one big chunk. I do not know how we will survive now.
Consumer complaint received 2020-06-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC (KY)

This company is a vulture and they feed on struggling individuals that are just trying to get by. Im paying them appropriately {$130.00} from every pay check every two weeks for a {$1000.00} loan for a total of 52 weeks. This was ignorant on my part to agree to but manageable until they added their additional interest and fees for delaying payments while my job was in jeopardy. I had delayed a couple payments during the COVID crisis and was charged an insanely amount of interest for requesting these extensions. Its a pandemic at the moment, families are Struggling and theyre feeding on that. I had to choose between paying them and feeding my children while my job was in jeopardy and instead of assisting, they charged me for asking for help!
Consumer complaint received 2020-05-04
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 — Investigation took more than 30 days
Company: Dovenmuehle Mortgage, Inc. (NC)

Paid for a XXXX  membership to keep my credit report accurate and up to date.This membership has not been honored as i've recently had issues with disputes on my personal credit report with missing information. The company has stated that this information has been reported prior to XX/XX/2020 to XXXX. Information has not been updated by XXXX  timely, and XXXX  has not responded accordingly in the three previous CFPB complaints. This is unethical and is a violation of the FCRA. Investigation has took longer than 30 days on multiple instances with no resolution.
Consumer complaint received 2020-10-20
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. (CA)

I had a loan with XXXX XXXX XXXX XXXX Because of Covid 19 hardship I requested a Forbearance Starting XXXX XXXX and ending on XX/XX/2020. I made the XXXX payment and in XXXX I requested a cancellation of the Forbearance due to the fact that I was refinancing and it was the new Lenders requirement to close the Forbearance before we close the escrow. 

I spoke with a Customer Service Representative and she told me that we had until XX/XX/XXXX to pay the mortgage otherwise we will have late fees and bad credit reporting. I closed escrow for the refinancing on XX/XX/2020 I really need to have this 60 days late payment remove from my credit report ASAP. I am refinancing my second house and I cant do it because of this derogatory payment XXXX XXXX XXXX XXXX has placed in my report. I have the possibility to refinance the house at 1.99 % right now, I am paying {$1800.00} and with the new rate I will pay {$1100.00} the difference is {$710.00} for 360 months will be a total of {$250000.00}, thats the amount of damage that I will sustain if they do not remove this derogatory account. 
To resolve the problem, I would appreciate that XXXX XXXX XXXX remove the 60 days late in my credit report ASAP so I do not have to go to the Court Systems.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-03-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK (DC)

I signed a contract with freedom debt relief in XX/XX/XXXX. By XX/XX/XXXX I have deposited all required amounts into my account to pay off the settlements FDR had negotiated for me with my creditors. I was told by their employee the next week that everything would be payed off and that the only way to stop the bi-weekly deposits to them that were no longer needed was to put a stop payment on my bank account for them. I was told it wouldnt affect my contract and paying things off. 

After a month of no movement, I called and was escalated to a XXXX XXXX who told me their employee has misinformed me ( read : lied to me ) and that until I took the stop payment off of my account that they would not be able to proceed with negotiating lump sums and closing these accounts. 

Freedom debt relief is holding my credit score and future hostage and they continue to lie and no deliver on promises. In a week and  a half, we will be 3 months out from when their employee first lied to me and my account still hasnt been settled and closed. And XXXX XXXX, supervisor, kept refusing to acknowledge that I was outright lied to and it affected my life. She just kept saying sorry you were misinformed.
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

On Saturday, XX/XX/XXXX, approximately between XXXX XXXX, I attempted to deposit {$1000.00} in cash into my checking account using a Bank of America XXXX ATM ( ATM ID # XXXX, branch located on XXXX XXXX in XXXX XXXXXXXX XXXX XXXX ) when the machine took the cash, suddenly spat out my debit card, and shut down. The odd thing that I noticed was that when I put the money into the cash deposit slot, it took the money but the machine did not make any clicking noise to count the cash. Unfortunately, I could not contact or reach anyone because it was beyond their service hours for the weekend ( ATM issue service ended at XXXX XXXX XXXX  ). 

I then contacted the BofA ATM issue service number on Sunday to report the incident ; a guy who took my claim the knew the ATM ID without my telling him, and stated that my account would temporarily be credited by Monday night ( XX/XX/XXXX ) while they do the investigation. I urged them to check their recorded ATM surveillance video as it should be on XXXX to which he said they do. 

Come Monday night, I find no cash deposit credit, no updates or any evidence of my claim anywhere. No email, no communication. So I called back again today ( XX/XX/XXXX ) around XXXX XXXX and spoke with XXXX ( asked for her name this time ), and she stated that there had not been any ATM claim under my account. So I had to restate the case, included all the details, and now I have to wait for them to finish investigation up to 10 business days. 

I would like my {$1000.00} in full as it should be deposited into my checking account and BofA be held responsible to pay any XXXX fees that this deposit delay may incur.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to dispute some items on my credit report because I am a victim of identity theft and did not make the charges. Please blocked these items to correct my credit report. Enclosed are copies of the report of identity theft supporting my position. Please investigate this matter and block the disputed accounts as soon as possible.
Consumer complaint received 2022-11-22
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. (NJ)

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 title 15 U.S.C. 1681 : XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION : # 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 HAVE ALL VIOLATED MY FEDERALLY PROTECTED CONSUMER 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 U.S.C. 1681C ( a ) ( 5 ) ( 6 ) : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.

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.A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2018-04-05
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: SYNCHRONY FINANCIAL (NC)

On XX/XX/2018 I learned that my identity had been compromised and an authorized account had been opened in my name. I reviewed my credit report and found that, in addition to the unauthorized account, there were 4 unauthorized credit inquiries on my credit report. 

On XX/XX/2018, I wrote and mailed a letter to each of the creditors and explained that their inquiries were unauthorized. To-date, this has not been resolved and the inquiries are adversely impacting my credit score. 

FCRA requires furnishers to report accurate information and Reg B requires permissible purpose to pull my credit. None of the inquiries are accurate/authorized and neither of these companies had a permissible purpose. 

Further, a response is required in 30 days. I have provided enough information for both furnishers to complete a competent investigation, yet neither have corrected their mistake.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want the account removed from my reports at the XXXX credit agencies within XXXX hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered XXXX  to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within XXXX hours from all XXXX credit agencies. I also filed a 1099 and the IRS have that as well. The XXXX XXXX did not send me copy b back. I will also be filing a 3949a form due to that as well if this account is not removed from my report and the title of the vehicle needs to be mailed to me also. 

Account # XXXX
Consumer complaint received 2023-02-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIRST NATIONAL BANK OF OMAHA (VA)

The account with XXXX was sold to another company called XXXX as of XX/XX/XXXX. All payments were made timely to both companies without issue until I checked my credit score and the account had been reported as '90 days delinquent '. When I contacted XXXX to complain, I was told it was a " glitch in the system that they were aware of and they hoped to have it 'fixed ' by XX/XX/XXXX ''. I have never missed a payment on any account in my lifetime and this negative reporting has impacted my credit score.
Consumer complaint received 2021-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc. (SC)

- I paid for delivery of the XXXX XXXX XXXX for 10 continuous Sundays. I paid them {$28.00} on XX/XX/XXXX via credit card, for this service. 
- No paper was ever delivered, I contacted them via e-mail and phone 4 weeks in a row stating no paper was delivered. They kept swearing they would correct. I have copies of email responses on XX/XX/XXXX, and XXXX. No paper was ever delivered. I asked for a refund which was not received. 
- I then started to receive calls several times a week stating I owed them money, I told them it was the opposite they owed me money. They said they would communicate this to management. 
- Now I have received letters from a debt collection company twice stating I owe money to the XXXX XXXX XXXX. I contacting them and sent them written expiation on why I do not owe them money. 
- I have attempted to contact the XXXX XXXX XXXX 3 more times asking if this was a scam and to please remove any debt owed and to credit me my money for non receipt of goods. In my messages I stated if I did not receive a response I would contact legal services and local news. I never received a response.
Consumer complaint received 2018-04-04
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: Midwest Acceptance Corp. (MO)

After several calls to XXXX XXXX XXXX XXXX XXXX XXXX and several voicemails left concerning confirmation of my car payments and remaining balance, on XX/XX/2018 I finally was able to speak with someone over the phone. XXXX XXXX, a very rude, and argumentative guy is who answered. I asked about my balance and he informs me of 5 months of payments here and there that were missed. I informed him that I have receipts for the payment, just not with me at the moment, ( as I was surprised they answered ). He did not understand why I was upset and told me he was still going to file a garnishment for my car, stating it is not their fault they did not receive the payment. 
What's so absurd to me is that the only way to make car note payments is by money order through the mail. This is not a safe method of payment, clearly, things can get lost in the mail. Most importantly I NEVER EVER have received not 1 confirmation of my payments since have bought the car. I would have NEVER agreed to the loan if I would have known the ONLY way to make a care payment was through the mail. 
Also following the rude call on XX/XX/2018, I received notification that XXXX XXXX XXXX has ran my credit/ SSN without my permission. This action was completely unauthorized. Which has dropped my credit score by 5pts. I plan to dispute this entire matter.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Hello, I am having issues with unknown addresses on my credit file. 
My current address is XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 
The following address are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

ONCE AGAIN I HAVE ASK EXPERIAN TO HAVE THESE COMPANYS TO REMOVE THESE ACCOUNTS FROM MY CREDIT FILE I HAVE FILED A POLICE REPORT AN FTC REPORT AND THESE COMPANYS HAVE STILL YET TO PROOF THAT I AM THE PERSON THAT APPLIED FOR THESE ACCOUNTS THEY NEED TO BE REMOVE ASAP.
Consumer complaint received 2017-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX, EXPERIAN, XXXX are showing late payments where none existed. Documents attached include ; 1 ) XXXX CUSTOMER STATEMENTS, SHOWING ZERO LATE CHARGES AFTER XX/XX/XXXX AND SOONER WHEN ... .... . 2 ) XXXX REFUNDED 100 % OF LATE CHARGES AS SHOWN ON THIS XXXX STATEMENT ON XX/XX/XXXX ... .. AS SETTLEMENT OF 100 % OF LATE CHARGES AND ALSO PRIOR TO XXXX ... .AS ... SETTLEMENT OF A LONG RUNNING DIPUTE, 3 ) A LETTER FROM XXXX CONFIRMING WAIVER OF ALL LATE FEES ON THE XXXX 4 ) Not clear they have not confused account numbers, the enclose statement from XXXX HAS CORRECT AC #
Consumer complaint received 2020-10-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC. (NV)

Attempted refinance with Ally Bank. Went through online forms and spoke with a rep who confirmed based on my answers i was prequalified all they needed to do was verify the information i provided. The confusion continued for several weeks. They were lax in responding to online requests and emails. I finally started phone calling and waiting on the phone to speak with someone. They seemed to be hung up on me being self employed. They have their own definition of self employed which they did not share until i had paid for services they required to continue. I explained according to the IRS i was not self employed. I provided bank statements, check stubs and tax returns to justify my income. They disallowed most of the income stating it was because i was self employed. The said my DE ratio was off but they never requested copies of my expenses. 

When i specifically ask them to show me what i answered incorrectly on the application which would have led to the confusion, they did not provide any specific answer. Only that the underwriter disallowed most of my income for the calculation for one reason or another. 

This information should have been relayed to me prior to me approving a {$550.00} charge for an appraisal ( which they required an inside appraisal instead of a drive-by. ) Had they been forthcoming with the requirements i would have not approved the {$550.00} charge. 

I provided tax returns showing income which i walked through with the rep. added it and divided it to get a monthly amount. our calculation was off by almost $ XXXX per month from the underwriter. 

I believe this was presented by people who didnt know what they were doing ( as evidenced by all the confusion with the application ) and should not have been charged the {$550.00} without properly informing me of the issues with what they considered self employment ( again which is different than what the irs considers self employment. )
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I was advised to contact you regarding items on my credit that are not mine. I went to get a loan from my credit union and they was only able to approve me for a small amount due to items on my credit that are not mine. I have been with this credit union for 8 years and even have my car with them. Please have the items removed from my credit The accounts im talking about are XXXX  XXXX XXXX, XXXX and XXXX/XXXX. I have reached out to the FTC and my local police department.