davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion is reporting incorrect information on the account listed as XXXX. There are late payment s listed on the account that are inaccurate. Transunion knows a consumer credit account is open ended and therefore can not be late. The late payments are also listed as 30 60 90 120 120 which is also inaccurate. Transunion stated that the information was verified as accurate I would like the documents used or persons name in which they spoke with to confirm this information about me. Credit bureaus are required to conduct reasonable investigations and Transunion have not.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAVALRY INVESTMENTS, LLC (WI)

I originally had a XXXX XXXX charge account. This account was included with a debt management program ( XXXX XXXX XXXX XXXX ) and was supposed to be paid in full. The debt management account closed in XXXX of XXXX. According to XXXX XXXX XXXX, they paid on this account from XX/XX/XXXX - XX/XX/XXXX and this account was then dropped from the debt management program. Research was being completed in XXXX regarding this account as I did not receive a satisfaction of XXXXt on this account. This account has now been sold to XXXX XXXX XXXX XXXX XXXX and I am to appear in XXXX XXXX XXXX. I was under the assumption that this account was paid as I had never received any further communication. I received an illegible XXXX XXXX XXXXt, no payment history or record of the charges in question. I am requesting a full history of the debt owed, a full payment history and any other correspondence related to this debt. I did not receive a right to cure from XXXX XXXX. I believe this is unfair and deceptive debt collection practice.
Consumer complaint received 2017-06-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (TX)

Number has been repeatedly calling my parents land and cell phones daily for the past 2-3 months, including today. I have never used their phone numbers on any applications, or provided them as a method of reaching me. Company is harassing them to reach me when they were never listed on any information provided in original account.
Consumer complaint received 2016-05-06
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been led around by XXXX and Bank of NYork Mellon for eight full years while I tried to modify two loans : XXXX XXXX negative-arm loan on my home, the other a XXXX loan on a rental house. 
After eight years of this nonsensical routine of faxing hundreds of financial documents, jumping through every hoop, in time, facing foreclosure repeatedly, five times in a row it was even a wrongful foreclosure, I NEED HELP. 
I am now a XXXX. I need to be able to stay in my home. I need to preserve the savings I poured into the rental house. 
And I NEED TO BE HEARD
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2021-01-19
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. (TX)

COLLECTION/CHARGE-OFF ACCOUNTS NEED TO BE REMOVED IMMEDIATELY BECAUSE THERE ARE LATE PAYMENTS AFTER THE ACCOUNT WAS CLOSED. 
COLLECTIONS IS A CLOSED-ENDED ACCOUNT AND CAN NOT HAVE LATE PAYMENTS. THESE ACCOUNTS SHOULDN'T BE REPORTING OPEN, NO LIMIT NO PAST DUE AND NO PAYMENT STATUS PER FCRA. INACCURATE DATE LAST ACTIVE, DATE OF LAST PAYMENT, LAST REPORTED. ALL VIOLATIONS NEED REMOVING. 
1.XXXX  XXXX 2.XXXX XXXX 3. XXXX XXXX XXXX
Consumer complaint received 2020-04-23
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. (FL)

I have 2 accounts on my Equifax that show balances one with XXXX XXXX XXXX and XXXX XXXX XXXX aka XXXX. When they should be showing XXXX balance discharged though bankruptcy
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Dear reader, I am reporting a complaint and potentially I may even file a law suit against Experian, XXXX, and XXXX. After looking over my reports I have discovered some things that are beyond belief and disturbing, the amount of inaccuracies that are on my report are unbelievable. I would like to start off with the addresses : Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Other XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX Other XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX As you can see these XXXX are not mine and are fraudulent. My home address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and on that report which I will be providing for you all it reads that my current address is XXXX XXXX XXXX. Incorrect I have disputed with this company and to find out that all this is on my report is beyond frightening. I also filed a identity theft report as well. I also saw over XXXX phone numbers all of which are not mine and these numbers are : Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Not to mention the amount of fraudulent collection accounts, hard inquiries, and soft inquires. The collection accounts are as follows : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX As you can also see I haven't checked my report in XXXX and to find this I wonder what else is illegally being reported on my credit reports from the other agencies.
Consumer complaint received 2022-08-10
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. (IL)

XX/XX/2022. I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau. Their return letter stated, " The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files. '' I sent certified letters to the credit bureaus let them know that I did not give them permission or written consent to them or any other agency to furnish my information. How did the credit bureaus edify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681. nor did they follow their own consent policy. It is damaging to my reputation and a blatant disregard to my right to privacy. 

15 USC section 603 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of being is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The have violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 A. States I have the right to privacy. 

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to : 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 2017-06-30
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: Experian Information Solutions Inc. (SC)

I have been a victim of XXXX inquiry issue and I called to have these XXXX inquiry removed XXXX  XX/XX/17 XXXX XXXX XX/XX/17 XXXX XX/XX/17 XXXX XX/XX/XXXX XXXX XXXX X/XX/17 I wish to have these Inquiry removed asap ...
Consumer complaint received 2017-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I have submitted XXXX complaints already with only responses " We apologize and are sorry. Most recent complaint is XXXX. 
In short to best help protect the consumer a credit freeze needs to be placed on all credit reporting agencies because of the not protected credit information. That cost the consumer money and Equifax should pay for it. That is what I am requesting. Please address the specifics in your response to my case and please explain how your plan is better to protect me from unauthorized accounts to be opened than to freeze at all agencies?
Consumer complaint received 2017-10-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

This is a complaint that I want to be published as well. I have been continuously trying to resolve this issue with Hyundai Motor Finance directly ( from 1-800 customer service number to CEO ) ; however, this company acts in unreasonable manner. Additionally, it does not shows signs of the company that cares and wants to maintain the relationship with loyal customer. 

-Upon end of lease ( XX/XX/XXXXXX/XX/XXXX) received few bills with {$0.00} balance ( see attached ) - this is miscommunication. 
-Then found out about " lease end fee '' - sent USPS coupon with payment ( never published due to USPS or other mishandling ). 
-Out of country until XX/XX/XXXXdue to family emergency. No calls were received. Under assumption that payment was posted. 
-Upon return realized that no payment was received by Hyundai . Attempted to make electronically - see attached. Payment bounced as per Hyundai due to account being " closed ''. This is another of my many attempts to make a payment. 
-Finally was able to make a payment onXX/XX/XXXX Although the payment was late, it was not due to my inability to make the payment, but instead was due to you not being aware of it being due ( family emergency ) and due to companies inability to communicate and handle correspondence in the efficient manner. 

As a result of this, Hyundai responded with not being able to assist. Instead, they reported me to all 3 bureaus with 120 days late and ruined my excellent FICO score from XXXX to XXXX. Totally unprofessional and unreasonable company.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the Fair Credit Reporting Act the creditors have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plant as late for any purpose.
Consumer complaint received 2021-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be.I sent every documents they required then they close my account. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2017-06-30
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. (SC)

I have been a victim of TransUnion inquiry issue and I called to have these XXXX inquiry removed XXXX  XX/XX/17 XXXX XXXX XX/XX/17 XXXX XX/XX/17 XXXX XXXX XXXX XXXX X/XX/17 I wish to have these Inquiry removed asap ...
Consumer complaint received 2017-10-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (MA)

Hello, I had an account with XXXX back in XXXX. I failed to pay. Now 6 years later, ERC has been harassing me with calls at all times. And now i have a collections on My credit report that was never there ALL these years. The lady is rude and continues to say im sure you have been working and can pay this Off already, aggressively. And talking really XXXX.
Consumer complaint received 2019-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (IL)

This is not my first issue Fedloan. 

FSA Feedback Case : XXXX Complaint Case Number : XXXX My first issue was back in XXXX I was on an income based repayment plan and started a new job that increased my salary and I was honest and submitted information regarding this increase and the new income disqualified me from the current repayment plan. I was quickly put into a standard repayment plan which I could not afford. I was confused and frequently called customer service asking for options and help understanding. I ended up being put in a situation that a graduated payment plan was the best option for me based on my circumstances. This is never anyone 's first choice but what I could afford. At one point I had to make 2 payments one month in order to not default. It was such a terrible experience making a change to my account that I have avoided and dreaded the day I have to do it again. I am and have been a XXXX XXXX for 6 years and none of my graduated payments qualify for Public Service Loan Forgiveness ( PSLF ). I am at a place in my repayment plan that the next graduated increase is coming and the payment will not be something I can make every month and I have gotten married since I initially taken my loans out. 

In order to make changes to your account your name has to be updated and must submit documentation to Fedloans about this. I submitted my drivers license XX/XX/XXXX to the upload portal on Fedloans website. I was told 7 to 10 business days for updates to my account by a XXXX customer service rep. I checked XX/XX/XXXX my name was still not updated, I called customer service and they told me wait an additional 7 to 10 business days. I checked today XX/XX/XXXX and my name was still not updated. I called customer service again and customer service stated that the documents were uploaded on XX/XX/XXXX and my name is still not updated. The rep employee number XXXX told me that a request for the name change was put in on XX/XX/XXXX and to wait until early next week for the change to be processed. I asked her what should I have done differently because I thought I did what I need to do. She stated that I should have called customer service immediately after uploading my documentation to the website. There is nothing on the Fedloan website stating that you need to contact Customer Service to inform them that you submitted information and the 3-4 times I had called customer service to discuss this issue these instructions were never stated. I was told to just upload the documents and wait. One would think that if you uploaded information that it would generate a request. This issue predominantly effects women and the company not providing correct information and a timely responds could be detrimental to the lender. How many other people are not receiving correct information or are waiting for information to be updated?
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (MD)

I hope this email finds you well. I am writing to bring to your attention a collection account on my credit report, which was reported on XX/XX/XXXX, by XXXX XXXX XXXX. The details of the account are as follows : Collection Agency : XXXX XXXX XXXX Balance Date : XX/XX/XXXX Original Creditor : Washington Gas Light Company Account Designator Code : INDIVIDUAL_ACCOUNT Date Assigned : XX/XX/XXXX Account Number : XXXX XXXX Original Amount Owed : {$300.00} Amount : {$300.00} Status : UNPAID Comments : Consumer disputes this account information I have not received any information from XXXX XXXX XXXX regarding this collection account, and I believe there are inconsistencies in the reporting. I request your assistance in investigating this matter and, if necessary, facilitating the removal of this collection account from my credit report. 

I am particularly concerned about the accuracy of this information, and I am formally demanding its removal due to the lack of supporting documentation and the presence of errors. I kindly request your prompt attention to this matter and appreciate your assistance in resolving this dispute.
Consumer complaint received 2016-08-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Bank is not recognizing a court issued document. 
I was provided with a three page document for " Voluntary Administration '' dated, signed by the Register of Probate and stamped with a seal. 
The bank wrongfully insists that the Court will be sending some document, a call to the Probate Department @ XXXX verified no further issue is coming from the Court. 
I do not think it is my responsibility to wait for the folk to learn what they should know to hold the position they have. 
Just want to close the account. have been there four times already.
Consumer complaint received 2017-06-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (AZ)

I have been attempting to lower my payments with Navient for over the past year, they have told me no until recently.However, the payment they offered was still impossible to make. On XX/XX/2017, I spoke with my assigned specialist, XXXX, and made a {$50.00} payment. I was told by the XXXX that they were placing loan XXXX in to a 7 month forbearance since it was the most at risk of default. On XX/XX/2017, the payment cleared my account. Navient is not showing this payment in my payment history and all three of my private loans are still in repayment. Over the past several months they have sent me numerous letters indicating I am at risk of defaulting. I have made regular calls and each time I am told that they have been attempting to reach me for months, this is completely false as I continue to call them and attempt to make payment arrangements that are realistic.
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (FL)

Experian has XXXX on my credit report twice though it is the same account. The account was never mine and belong to my daughter XXXX XXXX, in which she has admitted to XXXX so baffle why Experian still has it reporting on my credit report. I have attached a notarized letter informing XXXX that this is her debt. I am again requesting for the fraudulent accounts to be immediately removed. I have submitted an incident report number for the XXXX XXXX XXXX Police Department previously. Also, I have sent a copy of my signature.
Consumer complaint received 2017-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion and XXXX continue to report Bankruptcies on my report in which proof were sent to them that they are not verified from the courts and they keep stating the information was verified without proof of how they supposedly are verifying information that in fact is not being verified from the XXXX Bankruptcy courts. So they are engaging into unfair practice of lying to there customers in which can and will lead to litigation. I have tried 3 times to resolve this and all 3 times they just say verified without validation or proof.