davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX Late payments was posted on my credit report, I just came out a rehab program to bring my loans out of default with the company FAMS, that stated all my updated information would be sent over and updated to my new lender. I had no clue who my new lender was until the late payments start hitting my credit report. This is causing me to be turned down for being a homeowner, I called the company and updated all my personal information and I have been making all payments via auto draft from my personal account. Navient is not willing to work with me and stating that my late payments are correct.. I spoke to XXXX XXXX XX/XX/XXXX an she advise me that the late payments are accurate, I went through the program to get back on track and they do n't see how those payment can be accurate when I never knew who my new servicer of my loans would be until they start negatively reporting on my credit report. The late payments dropped my credit score XXXX points. Please advise what can I do.. Thanks
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts ( located in the attachments ) are not complete and accurate. I sent a letter asking them to make sure everything is complete and accurate. They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. and according to 15 USC 1681s-2 they are suppose to 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 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 — Investigation took more than 30 days
Company: PNC Bank N.A. (MI)

The mortgage was under going litigation with the permission for a payment plan from PNC. They marked each of the payments under the payment plan they offered late. Upon seeing the shady business practice the mortgage was paid off in full and they refuse to correct the mistake they made by marking as late.
Consumer complaint received 2018-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank discriminates based on Race. Despite opening similar credit cards at the same time, both linked to a joint checking account, my husband ( XXXX last name ) has received multiple credit increases automatically, while I've never received a single automatic increase. In fact, when I requested one, I was given an increase of XXXX . 

All this is despite the fact that I have a higher FiCO score and a higher paycheck. 

Literally the only difference between us is that I have an XXXX last name and he has an XXXX one. 

I contacted the bank and got a run around. I was basically told to call a different department and request a credit limit increase, something that my husband had never once had to do. They are attempting to hide behind late payments. Which is ridiculous, since we pay the bills for both cards almost concomitantly. In any case, that would not account for the disparity at this point ; which my husband at XXXX limit and me at XXXX ... 

That's the subtle way that financial institutions continue to discriminate against customers of XXXX decent. I can provide documentation in the form of both accounts for a comparative analysis.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I requested a free copy of my annual credit report in XX/XX/2020. Equifax requested identity documents. I sent them a copy of my power bill with current address and social security card with the page and report number, etc that they sent and asked me to return. They took my documents and never responded. They stopped providing me credit reports several years ago. In fact I have not been successful in obtaining my credit report from them since they exposed MY DATA in the data breach. 

I believe it is a violation of my FCRA rights for them block me from my own credit report like this, repeatedly.
Consumer complaint received 2021-11-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (OH)

I have student loans through Navient. At this time, my husband is unemployed and I am the sole income provider for my family. I have expressed this to Navient on several occasions. They have offered me payment plans that are well outside the amount that I can currently pay with the situation I am experiencing. Regardless, they continue to call me several times a day. Today for example, I spoke to them at XXXX and advised them of the above. I stated that I would go online and make a payment of what I could afford. I went online and made the small payments. They advised that they would note the file and that would stop the calls for 7 days. At XXXX, I received a phone call from XXXX who then put a Navient representative on the phone to discuss my account. They call me almost every hour every day from XXXX, sometimes multiple times in a row. It feels as though they are trying to harass me in to paying the loans that I am unable to pay at this time and have expressed to them on multiple occasions. I have 3 small children who most nights I am trying to get fed, bathed and put to bed when they are calling me relentlessly. I understand that the debt is mine to pay but once they have been made aware that I am unable to do that at this time, there is no need for them to call me several times a day every day.
Consumer complaint received 2021-07-18
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: Radius Global Solutions LLC (TX)

XXXX XXXX had sold my debt from account ending in XXXX to the debt collector " Radius Global Solutions '' at some point after my account had closed for non-payment. Finally being in the position to be able to pay my debts back and work on my credit, I negotiated a settlement with RGS for {$270.00}. I paid this on XX/XX/21. I had called every single day to get some sort of email confirmation of this, and every day they had told me that it would be sent within 24 hours to my email address. I then finally received this " receipt of payment '' on XX/XX/21 after having called three times. In every conversation I have had with them on the phone it was made clear this debt was settled. I then disputed this debt with the tool on XXXX XXXX, which I believe is linked to XXXX. It then said it resolved my dispute, but that 83 % of the balance limit on the account was still unpaid. Thus it said it's investigation concluded that despite paying {$270.00} to settle, I had only made a partial payment and still had an unpaid balance of {$410.00} on my closed account. I disputed this a second time to no avail. If they could obtain the information of the amount I had paid, then the information that it had been settled could have also been obtained if it had been reported honestly as to the settlement agreement made. This is not a unique situation with debt collectors and I believe I am victim to deceptive practices regarding obtaining payments.
Consumer complaint received 2021-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (WA)

I made an application to Citi Card to transfer a balance from another card. During the process, they made the transfer then immediately closed the account as a " fraudulent application '' and suspended all activity. I tried calling them but they wouldn't budge. I paid back the balance transfer and the fees immediately, and assumed they would close the account as fraud. Instead, they are showing it as " account closed by consumer '' I did not take action to close the account. This was a decision by Citi. Citi was made whole and all money involved has been returned to them. I cut up the card upon being told that my account was fraudulent. 

Citcard needs to show the correct reason the account was closed with the credit report agencies. That is, closed by issuer on account of fraud. This is their words and their interpretation.
Consumer complaint received 2018-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 Days Late as of XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-11-03
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)

Looking over my credit report I noticed there were some late payment showing and due to the pandemic/hardship I was not able to make those payments ontime. The following accounts are listed that show late payments for 2020 : 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 XXXXXXXX
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Skopos Financial, LLC (KS)

I had gotten a auto loan with XXXX XXXX in XX/XX/XXXX, and They did repo the vehicle in XX/XX/XXXX for failure to pay. But I have constantly tried to get this company to correct info on my XXXX Credit report where they are stating the account is : 1- Still Open 2- In Collections, Which no one has ever contacted me about this account, 3- Charge-off By this account still showing as open, car dealerships say, it is hard to give me a loan etc. How one account can be listing so many different things I do not know, It should be a Charge-off and closed account etc not all 3..

This is how it was listed in XX/XX/XXXX and still listed as of this complaint, XXXX say they can not change it, etc I feel this is now being intentionally done, This company is very hard to communicate with,
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

On my XXXX, Experian and XXXX XXXX credit report, its showing a current balance on the following accounts : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. I paid my balance in full and shouldnt have a balance. My current balance on all 3 accounts should be a recent balance of {$0.00}.
Consumer complaint received 2023-01-19
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. (FL)

Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THIS ACCOUNT WITH XXXX, XXXX FOR ( {$2300.00} ) ISN'T MINE. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity.

* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX * Identity Theft Report * Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] * Fair Credit Reporting Act Section 605B [ PDF ]
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I've put in a dispute concerning my family members adding me as an authorize users on to account 's on my credit report and it not reflecting in my credit report. I was told to call the company and they will fix it when they update but was told they sent the complete file to the bureau. I'm requesting that the credit bureau update my credit file to reflect the payment HISTORY OF THE CARD IMMEDITAILEY. Ive also complained about my credit file not updating correctly and I've been told to contact the special handling department but its not a number to contact but an internal number to it has to be transfered but no one never picks up. I'm requesting to remove all blocks and alerts from my credit report immediately so my credit report can updated correctly.
Consumer complaint received 2023-01-19
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. (MS)

On XX/XX/XXXX my credit report was obtained by XXXX & XXXX XXXX ; sBRC from XXXX. Again on XXXX XXXX my credit was obtained by XXXX XXXX XXXX from XXXX and Transunion. Also on XXXX XXXX XXXX XXXX ( XXXX XXXX ) obtained a copy of my credit report from Transunion. I have NEVER authorized either XXXX of these companies to obtain a copy of my credit report. Infact, there was a credit freeze in place on all XXXX of my credit reports at the times of all credit inquiries so I don't know how they were able to obtain it. I've reached out to XXXX & Transunion numerous of times and each time they say that credit inquiries are factual data and therefore will remain on my report. I'm here to say this indeed is NOT factual data because I NEVER authorized neither of these companies to check my credit from either of the credit reporting Bureaus. 
I'm asking the CFPB to look into this and have both XXXX and Transunion remove all of these unauthorized credit inquiries from my rcredit report as it is hindering me from obtaining future credit. 

Thanks, XXXX
Consumer complaint received 2020-05-05
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items XXXX XXXX {$580.00} US DEPT ED XXXX {$6000.00} DEPTEDXXXX   XXXX $ XXXX XXXX XXXX XXXX {$930.00} XXXX  XXXX {$930.00} XXXX XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (CA)

I had an account with Keybank. Inexplicably, Keybank blocked access to my funds for over a month before finally releasing my funds in full and closing my account. Zero fraudulent activity occurred. I have been having difficulty opening a bank account and I recently learned that Keybank reported me for " checking account fraud. '' Zero fraud occurred, I never had a single returned transaction or anything of that sorts. On the other hand, Keybank froze my money for over a month for no reason at all, so who exactly is the one committing fraud? 

I also had a safe deposit box at Keybank. I should have received a prorated refund, but never did.
Consumer complaint received 2020-10-21
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: EQUIFAX, INC. (FL)

TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXDispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XX/XX/XXXXXXXX XX/XX/XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XX/XX/XXXX XXXX Docket # : XXXX Source : XXXX File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : XXXX XXXX BANKRUPTCY DISMISSED *** XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$11000.00} AUTO {$5800.00} XXXX - {$5800.00} XXXX XXXX XXXX XXXX BANKRUPTCY TU/EF WAGE EARNER PLAN ACCOUNT ( CHAPTER XXXX ) Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW XXXX XX/XX/XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-05-05
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. (AR)

was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.
Consumer complaint received 2021-09-15
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. (CA)

I called and been hung up on several times when I start disclosing the issue with XXXX and XXXX in the fraud dept both on XX/XX/2020 and XX/XX/XXXX. I am stressed and stuffered from XXXX XXXX all this wont fixed Experian has been reported misleading representations on my report of fraudulent data : multiple fraudulent SSN XXX XX XXXX and XXX XX XXXX for the last 7 years and failed to fix the issuues of all including multiple unverifiable bankruptices, multiple variations of unknown addresses, variations of names and employers.. .My legal name is XXXX XXXX and XXXX only legal address XXXX XXXX XXXX XXXX CA XXXX XXXX