davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
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: Santander Consumer USA Holdings Inc. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct. # XXXX has violated my rights. 

15 U.S.C 1681 602 A. states that I have the rivht to privacy 15 U.S.C 1681 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-17
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (TN)

I intiated two XXXX transfers by linking my accounts together done on XXXX XXXX from one account to another both of them mine two separate accounts. Every since I have not been able to access my account. It has been restricted. The funds are from my retroactive unemployment. I have wrote multiple emails to them. They requested I send them where the money originated from w/ my name and last 4 digits of account #. I did still nothing. When I call the bank a recording automatically comes on and says my account is under review and I cant access live chat from the app.
Consumer complaint received 2022-05-02
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. (TX)

In accordance with the Fair Credit Reporting act 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 2021-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. This just proves that 3 Credit Bureaus are lack proper record keeping. Now, this account is reporting to be late, and the balance is XXXX. The Bureaus are required to verify for themselves but I will go ahead and remind you that this account was already paid. Provide documentation that the Bureaus have not abrogated my rights by reporting false information, otherwise correct or update this account immediately.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Reporting Credit Act, XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has also violated my rights. 

XXXX XXXX XXXX XXXX has also 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 an account without my written instructions.
Consumer complaint received 2018-07-30
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AZ)

From XX/XX/2018 to XX/XX/2018, multiple credit report dispute letters were sent out.Contained in this dispute were requests to verify accounts on my report via copies of the original creditors ' documentation with my signature on file. These requests have been overlooked and unverified items remain on my credit file.

Under FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) it is required in order to properly verify any account on my credit report, original documentation with my signature must be provided. Section 611 ( 5 ) ( A ) of the FCRA states that if XXXX is unable to properly verify the accounts in question in 30 days, they must deleted from the credit report immediately. These companies have failed to comply with all of the above. Verification method was not provided.
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Consultants, Inc. (TN)

They will not verify the account its a secound hand account which was with XXXX which I canclled and payed my bill in full due to XXXX not keeping their contract with me about the rate I would get for 3 months due to their promo offer. 
A company named Diversified Consultant most have bought this bogus account from XXXX XXXX and they want respond or show proof of this debt being mine.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-30
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 — Problem with personal statement of dispute
Company: Convergent Resources, Inc. (AZ)

From XX/XX/2018 to XX/XX/2018, multiple credit report dispute letters were sent out.Contained in this dispute were requests to verify accounts on my report via copies of the original creditors ' documentation with my signature on file. These requests have been overlooked and unverified items remain on my credit file. 
Under FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) it is required in order to properly verify any account on my credit report, original documentation with my signature must be provided. Section 611 ( 5 ) ( A ) of the FCRA states that if TransUnion is unable to properly verify the accounts in question in 30 days, they must deleted from the credit report immediately. These companies have failed to comply with all of the above. Verification method was not provided.
Consumer complaint received 2018-03-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/2017 I got a distribution from my IRA at Capital One Financial of {$35000.00}. I instructed them to send {$33000.00} to my bank account ( which they did ) and withhold {$1400.00} for North Carolina state income tax. The {$1400.00} shows on my statement as withheld but when I received my XXXX for 2017 it was not on it. I've called them several times in the last 2 weeks and Customer service tells me that another department has to look into it and they'll call me back. No answer yet so I appear to have a problem with under-withholding for NC income tax and face a likely penalty. Also, the {$1400.00} is missing.
Consumer complaint received 2018-07-30
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. (TN)

TRANSUNION IS REPORTING INCORRECT ACCOUNT INFORMATION ON MY CREDIT REPORT. THIS ACCOUNT WAS REMOVED A YEAR AGO DUE TO ACCOUNT NOT BEING MINE.
Consumer complaint received 2018-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

I was paying my student loan, as agreed on the XXXX day of each month. On XX/XX/XXXX I logged on to pay the amount due of XXXX. The message on the Navient website indicated that {$0.00} payment was due. I spoke to a representative at Navient, who stated " You have over paid for the previous months, and now your payment 's not due until XX/XX/XXXX ''. 

On XX/XX/XXXX the unpaid principal balance was listed on the Navient website as {$12000.00}. 

On XX/XX/XXXX I received notification from XXXX CRA that my credit score had decreased by XXXX points due to an increase in the amount due to Navient, in the amount of {$120000.00}. 

On XX/XX/XXXX I contacted Navient to inquire as to why my principal balance had increased, although I was paying as agreed. After an hour long call, and waiting to speak to a supervisor XXXX. XXXX informed me that my loan was in forbearance due to a " disaster in California ''. 

I was not a victim of disaster, at any time. I did not request to be granted a forbearance, However, as a result of Navient 's dubious practice of arbitrarily placing my loan in forbearance status, increased my principal balance, and has caused further damage by adversely impacting my credit rating and FICO score. At the exact time that I was attempting become a first time home buyer. 

When I requested immediate remedy, The supervisor " XXXX '' informed me that the CRAs could not be notified and their error would not be corrected before 30 days, and that further since I did not have access or the ability to receive notification of resolution via fax, I would also have to wait.for 30 days to have proof of their mistake. 

If, I had been a victim of a disaster Navient 's proposed remedy would only have served to assist Navient by virtue of an increase in the principal balance due to Navient, In my case, Navient 's action was an egregious error/standard form of practice, and I should not have to wait an additional 30 days for ameliorative actions. At present my debt to Navient should be {$120000.00}. 

I am seeking assistance in ensuring that the amount owed to Navient is accurate, and accurately reported, also that CRAs are immediately notified.. 


.
Consumer complaint received 2022-11-19
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. (CA)

On XX/XX/XXXX I submitted documentation ( FTC Identity Theft Report, Police Report, and Statement with clear identifiers ) that stated that XXXX XXXX XXXX account opened on XX/XX/XXXX with account number XXXX was opened by someone else that was not me due to Identity Theft. Transunion refuses to remove the account despite clear evidence booked by the XXXX XXXX Police Department stating that the account was opened due to Identity Theft. XXXX already removed the account from my report due to Identity theft. Transunion did not provide me with proof that the account was opened by me or any information as to why they will not remove the account, and therefore it should be removed by XXXX XXXX.
Consumer complaint received 2020-09-12
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: Experian Information Solutions Inc. (GA)

On XX/XX/2020 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 of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

On XX/XX/2018, our home suffered a flood from a water pipe that burst after freezing. We documented everything and had our insurance company send repair funds to our mortgage company, Mr. Cooper/Nationstar, formerly XXXX, instead of sending the funds to us. The funds were to be applied to our principal, an option that we have the right to exercise, and which we designated at the time. Mr. Cooper put the first check for {$10000.00} into an Loss Mitigation account, and would not release the funds to apply to our principal, saying our account was " not current ''. Several months later, Mr. Cooper received another check form our insurance company ( XXXX XXXX ) for {$51000.00}, which we also designated to be applied to the principal. Mr. Cooper applied {$41000.00} to the principal and took the remaining {$10000.00} which has not been accounted for, but we were told that brought the account up to date and current. Mr. Cooper did not provide an accounting of this activity, despite our requests. Our account was current and the original check for {$10000.00} was still not applied to the principal. Mr. Cooper then stated that we needed to send in an affidavit stating that we wanted these funds applied to our principal, which we did. We had done this previously as well, but the first affidavit was ignored. The second affidavit was ignored also, and Mr. Cooper still did not apply our {$10000.00} being held in Loss Mitigation to our principal. 
Mr. Cooper called this morning, XX/XX/XXXX, to state that now they want " Contractor documents '' ( but did not state specifically what they wanted ) before they would release the {$10000.00} held in Loss Mitigation to our principal. When asked what documents specifically they wanted, she said only " Contractor documents '' and said she would transfer me to Loss MItigation to discuss this further. I told her every time I have spoken to Loss MItigation they send me back to Customer Service, who then wants to send me back to Loss Mitigation. Loss Mitigation continues to tell me that my account is not current and that I need to send in an affidavit ( which I did already and which they did not honor ) to release the funds from Loss Mitigation. I am livid and infuriated that this circus is allowed to go on while they threaten to take our home from us and while they are holding a large sum of our money that does not belong to them. This company should not be allowed to operate and should be fined and shut down.
Consumer complaint received 2018-11-02
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. (GA)

I did-not Authorize / Authorization the use of credit and/or view or pull credit report, IDENTITY THEFT VICTIM - XXXX   DATA BREACH!!!!!!!!!!!!!!!

Inquirer Name / Inquiry Date / Removal Date / Business Type / Contact Information XXXXXX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX  XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXXBank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX  XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX   NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, DE XXXX  BYMAILONLY XXXX XXXXXX/XX/XXXXXX/XX/XXXX Automobile Dealers, Used XXXX   XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX   XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX   XXXXXX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX  XXXX XXXX XX/XX/XXXXXX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX   BYMAILONLY XXXX   XX/XX/XXXXXX/XX/XXXX Sales Financing Company XXXX XXXX XXXX XXXX, FL XXXX   BYMAILONLY XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX  ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXAll Banks - non specific XXXX XXXX XXXX XXXX, NM XXXX   BYMAILONLY
Consumer complaint received 2020-12-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/2020,, Continued Issues,,, Wells Fargo Bank Have'nt Fixed Any Of My Old Issues Or The New Ones Either, This Is So UnAcceptable,, And Un Business Like,, I Have'nt Heard A Responsive From This Company In While,, On The Settlement website,, They Said That they Was Sending Out As Settlement Checks The End Of XXXX Thru XXXX,, I Have, not Received a Payment Yet????
Consumer complaint received 2021-09-08
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. (MD)

I have sent certified letters to each bureau and they have not responded to show the account verified. Here are the following items : XXXX XXXX/ XXXX  # XXXX, XXXX XXXX/ XXXX XXXX, XXXX/ XXXX  # XXXX, XXXX XXXX/ XXXX  XXXX XXXX ,  XXXX XXXX  # XXXX ,
Consumer complaint received 2018-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My credit score dropped from XXXX to XXXX with Transunion ( 62 points ) and XXXX to XXXX with XXXX  ( 40 points ) in the matter of two days as a result of paying off a credit card account balance ( which was normally paid off on a monthly basis ) and closing that business credit card account for an entity that was being terminated. I was shocked, and contacted via telephone both Transunion and XXXX  for an explanation of such a drastic decline. Both agencies could or would not supply an answer to my question. Both agencies transferred me to different departments for more information. Again, could not get an answer to my simple question of why, for closing an account that was no longer required, my credit score ( which effects even my insurance rates ) dropped so much. The answers where the same form both agencies, they said in essence : " many factors go into determining your credit score and we can not divulge how the score is determined. '' This answer is unacceptable. These agencies set benchmarks for banks, insurance companies, lenders, credit companies to determine what credit worthiness you deserve and your credit score determines what rate you may pay moving forward, even regarding car and house insurance rates. 

As a XXXX year old I've been eliminating my debts and the more I eliminate these credit agencies, with no accurate information on why accounts are closed are penalizing me. This is unacceptable and in a way discrimination against seniors who wish to not have outstanding debt. I have over a half million in bank accounts, and that does not include very positive home equity balance. But now I don't own a credit card ( have bank debit card ) and my credit score dropped like a rock.
Consumer complaint received 2021-09-08
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: Experian Information Solutions Inc. (MD)

I have sent certified letters to each bureau and they have not responded to show the account verified. Here are 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 XXXXXXXX XXXX
Consumer complaint received 2018-07-30
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. (CA)

ALL CRA REPORTING PUBLIC RECORDS ON CREDIT REPORT ... I NEVER HAD ANY BANKRUPTCY AND ALL AGENCIES REPORTING INCORRECT " PACER '' DATA ON FILE/ NOT MY ACCOUNT ..CASE # XXXX..VIOLATES FCRA  PROVISION 604,605,607,611 AND 623 ( A ) ... REMOVE FROM CREDIT REPORT ASAP [