davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors 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. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2024-02-04
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. (AL)

Hey, my name is " XXXX XXXX XXXX '', I have noticed that I have had hard inquires on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. 15 U.S Code 1681. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. 15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be removed.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I XXXX XXXX Currently have Fruad accounts and inquiries appearing on my credit report. 

1. XXXX XXXX XXXX {$1700.00} 2. XXXX XXXX XXXX {$2100.00} 3. XXXX XXXX XXXX {$1200.00} 4. XXXX XXXX XXXX {$820.00} Inquiries 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pollack & Rosen, P.A. (FL)

My wages were being garnished pursuant to Court Order for a debt on which a judgment was obtained. 

The amount that was authorized to be collected was {$2300.00}. 

They collected {$2400.00}, {$100.00} over the amount owed and authorized. 

The law firm of Pollack and Rosen is the debt collector. 

They sent me a check for {$45.00} for the overage collected. 

I made repeated attempts to contact the law firm about the balance of the overage. I was finally able to speak with someone at the firm and was told I would have to talk to my employer about the rest of the money. My employer told me to talk to the law firm as the money was sent to them. ( {$54.00} )
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (OH)

I XXXX XXXX, applied for a Barclays XXXX Credit Card ( APP # XXXX ) on XX/XX/24. However, I was wrongfully denied. I AM AN INVESTOR. Due to this denial, it shows that they are not properly performing the duties quoted in their indenture, thus they are BREACHING THEIR COVENANT and not performing their FIDUCIARY DUTY. Saying the reason for my denial is based upon my Credit Report is FALSE AND MISLEADING information. 
I filled out an application with Barclays Bank Delaware and they transferred my security to Barclays XXXX XXXX XXXX. From there it was then transferred to Barclays XXXX XXXX XXXX. I invested in Barclays Bank by providing them with a security ( my application ). My note was turned into cash and I didnt receive valuable consideration for it. THIS IS SECURITIES FRAUD. As stated in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt states During the controlled accumulation period, the series monthly principal will be deposited into the principal funding account so that the total accumulated amount is sufficient to pay the stated principal note amounts on the expected final payment date. 
Its stated in their prospectus Filed with the SEC that the issuing entity will make interest payments on the XXXX day of each month. Its also stated that the issuing entity is obligated to pay the principal. In the Deposit and Application of Funds Section of their prospectus it says The Series XXXX indenture supplement specifies how Series Available Finance Charge Collections, Series Available Principal Collections and other amounts allocated to the Series XXXX notes will be deposited into the issuing entity accounts established for the XXXX XXXX notes to provide for the payment of interest on and principal of Series XXXX notes as payments become due. I attached a copy of their Transaction XXXX XXXX XXXX XXXX XXXX XXXX showing how the notes move. A description of XXXX Fundings obligations as transferor of the Receivables to the issuing entity can be found in Sources of Funds to Pay the Notes Credit Risk Retention, Required Pool Balance, Addition of Assets, Removal of Assets and Representations, Warranties and Reassignment of Assets.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MN)

So late summer 2023 I was looking at options for my student loans due to all the new programs coming out. I was informed that due to the classification of my loans with Nelnet that, they would need to be consolidated and I was told this by a 3rd party. I was surprised that Nelnet did not reach out as a servicer letting their customers know of this issue with older student loans. I then started the consolidation process via https : //studentaid.gov and I was given the impression that the loans would go into deferment status during the process. However, the loans did not go into deferment and upon seeing the loans were reported to the credit reporting agency I contacted nelnet and applied for a deferment manually. The Loans are now consolidated and with another loan servicer, but my credit report is still showing XXXX accounts with Nelnet that they reported XXXX  days past due. I have reached out by challenging the report and called them directly regarding this and they are dragging their feet and this is still adversely effecting me and need it resolved
Consumer complaint received 2021-08-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (GA)

I have 2 medical bills being reported by this collection agency to XXXX. When I attempted to pay the balances on these accounts last year, I was told by the agency that they no longer held the accounts and could not accept payment. I contacted the medical provider directly and they advised the balance was paid with a credit and nothing was owed. The collection agency continues to report the accounts to XXXX  as paid ( they were removed from XXXX and XXXX ) despite the fact that these accounts no longer existed with them and they did not accept payment. They're also reporting themselves as the client and not the medical provider. I spoke with supervisor XXXX at the collection agency who advised they would remove the accounts from my report with XXXX but they have failed to do so despite repeated phone calls.
Consumer complaint received 2017-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (KS)

The information on this website is misleading. 
https : //www.navient.com/loan-customers/interest-and-taxes/how-to-calculate-your-interest/ # Your current principal balance The number of days since your last payment Interest rate factor = interest rate 365.25 ( number of days in a year ) = Your daily interest rate It should read ( Interest rate / 365.25 ) x current principal balance = your daily interest rate
Consumer complaint received 2024-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC (TX)

Last year in XXXX, Amerihome withdrew funds before the agreed time. I incurred bank fees and I told them that was wrong. They decided to refund the payment then acted that I was late. Note, I didn't ask them to refund. They attempted to charge me a late fee, I told them that was wrong since it was their mistake. They finally waived the fees, I paid the funds. This year they have decided to sneak and report that I missed a payment last XXXX. They threatened to foreclose my home even though I have never missed a payment. It is blatant discrimination. They have also exponentially increased my mortgage from XXXX to more than XXXX monthly. They withdrew XXXX from my escrow account and I don't know where they sent the funds to.
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

A company named Portfolio Recovery Associates has been harassing me with excessive phone calls for the past month. They spoof phone numbers similar to mine and will not stop calling and harassing me. I do not have any debt sent to collections and closely monitor my credit. I have asked them to stop calling and they continue to harass me.
Consumer complaint received 2024-03-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OH)

I took out private student loans with Navient to supplement what my federal loans did not cover for XXXX XXXX University starting in XXXX. XXXX has since been named in the Sweet V Cardona lawsuit as a school to which all federal loans associated are to be discharged due to unlawful practices. I have a attached my approved Borrower Defense notification for XXXX below. I had to take approximately {$12000.00} in private loans from Navient, formerly XXXX XXXX to cover costs. Those loans ballooned to {$35000.00} by XXXX when I finally was able to pay them off after filing bankruptcy twice, and dismissing a XXXX once. Nearly 3 times what I originally borrowed after paying on them for 20 years. Navient put me in deferment several times, accruing interest, then capitalized that interest on top of the balance after deferment. The interest rates on these 'student loans ' were 10 % and 16.5 % at times. I believe that is predatory at best. These education loans are nothing more than bad payday loans that never go away. I had to dismiss a XXXX  XXXX because I could not afford to add my student loan payment into the XXXX payment. Which in turn made it impossible for me to purchase a house, or even a car for several years.
Consumer complaint received 2024-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TN)

I paid {$1100.00} to MOHELA on XX/XX/24 in an effort to pay for a large portion of my student loan. The company decided to transition my account to their new platform XXXX hours later. I have given them ample time to apply this payment and it has yet to be done and my account continue to accrue interest on an amount i dont owe. I submitted a request about this on XX/XX/24 and have yet to hear backand in fact the site is virtually unusable now when I log in because I cant get to the payment screen nor can I open the message i sent themI can only view documents theyve sent meincluding a statement for a payment that isnt due.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

This is regarding my dispute for the transaction charge that I did not authorize on XX/XX/XXXX on my credit card ending in XXXX. 

I hired a marketing company called XXXX XXXX on XX/XX/XXXX for {$12000.00}. I signed the contract for {$12000.00}. The company collected {$12000.00} from me however the company charged additional {$3200.00} on XX/XX/XXXX which was not part of the contract. I have attached XXXX documents, email proof for docusign signed on XX/XX/XXXX for XXXX weeks contract, XXXX document for XXXX pages document for XXXX weeks contact for a total of {$12000.00} with first payment of {$3200.00} on XX/XX/XXXX to start XXXX weeks contract, XXXX payment of {$3200.00} on XX/XX/XXXX, XXXX payment of {$3200.00} on XX/XX/XXXX and final payment of {$3200.00} on XX/XX/XXXX. This is a total of {$12000.00} as indicated on the contract I signed. XXXX document for email proof emailed to XXXX XXXX, the owner of XXXX XXXX  to terminate my contract on XX/XX/XXXX. The charge of {$3200.00} on XX/XX/XXXX is unauthorized, unrecognized and considered to be fraud. 

Chase closed my fraud claim case
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Caliber Home Loans, Inc. (NY)

Due to COVID, I lost my employment. As soon as the CARES Act was created by the government, I applied to receive delayed payments in XXXX. Caliber Home Loans approved of my application, and my mortgage payments were entered into forbearance guaranteed by the CARES Act. 

I was issued a ninety day forbearance. When that was about to expire, I called Caliber Home Loans again in XXXX, and I was issued another ninety day forbearance period. My forbearance was guaranteed until XXXX. 

I sold my house on XX/XX/XXXX, while still under forbearance. Yet, my credit company notified me that my credit report now had a 90 day delinquent payment reported to them. 

I contacted Caliber Home Loans to make them aware of this, but they refused to change it- despite the documentation that I have to prove that I was in forbearance under the CARES Act during the missed payments. 

I have settled the loan- paying it off in full prior to the expiration of my forbearance. Therefore, there were no delinquent payments, and I would like to have that removed from my credit report. 

Please see attachments for proof of my correspondence with Caliber Home Loans, the payoff requests, the fact that I was in forbearance and any other pertinent information. Thank you.
Consumer complaint received 2024-04-04
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. (IL)

I have sent in several disputes for years and TransUnion investigation took more than 30 days and the problem has not been resolved. I sent in my FTC report and Police report and my affidavit stating the inaccurate accounts do not belong to and nothing has been resolved, on XX/XX/XXXX I sent in documents and the company say they never received them, on XX/XX/XXXX I sent in I documents and the company stated they never received, on XX/XX/XXXX I sent in documents and they say they never received, on XX/XX/XXXX I sent in documents notarized and certified mail of what the company stated they needed from me, today XX/XX/XXXX i was informed the investigation is going to take 30 days, the company been telling me the same thing for months and years and i never received any thing back regarding the investigation. this has been an ongoing issue with TransUnion and they are not updating my credit file as it should be. I received an investigation email with a document attached stating the inquiries was deleted and they still on my credit report.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX AZ XXXX XXXX ( XXXX ) XXXXXXXX XXXX Re : XXXX FRAUD DISPUTES Identity Theft Resolution Professional XXXX EXT : XXXX XXXX XXXX XXXX XXXX, TX XXXX NFCU XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau po box 27170 Washington, DC 20038 I am writing to bring to your attention a matter of grave concern regarding the discriminatory practices I have experienced with Navy Federal Credit Union , as well as the subsequent inaccuracies in reporting on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I am entitled to reasonable accommodations under the Americans with Disabilities Act ( ADA ) to ensure equal access to services provided by financial institutions. Despite multiple requests for accommodations, Navy Federal Credit Union has failed to provide me with the necessary assistance, thereby violating Title III of the ADA. 

Specifically, Navy Federal Credit Union has refused to allow me to make payments over the phone or in person at a branch, which are essential XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This refusal to accommodate my needs is not only discriminatory but also constitutes a violation of my civil rights under the ADA. Moreover, Navy Federals insistence on penalizing me for being unable to make payments through these inaccessible channels is further evidence of their discriminatory practices. 

In addition to the denial of accommodations, Navy Federal Credit Union has also inaccurately reported my account status on my credit report. Despite the extenuating circumstances surrounding my inability to make payments, Navy Federal has failed to update my credit file accordingly, resulting in severe financial harm and further discrimination. 

Furthermore, Navy Federals failure to acknowledge and address these violations has forced me to seek assistance from Adult Protective Services due to ongoing victimization online, XXXX XXXX XXXX XXXX XXXX XXXX. 

It is imperative that Navy Federal Credit Union rectifies these egregious violations immediately by : Allowing me to make payments over the phone or in person at a branch without penalty. 
Updating my credit report to accurately reflect the circumstances surrounding my inability to make payments. 
Providing compensation for the financial harm incurred as a result of their discriminatory practices and inaccurate reporting. 
Failure to take appropriate action to remedy these violations will leave me with no choice but to pursue legal action. I am prepared to seek remedies under Title III of the ADA, as well as any other applicable laws, to ensure that justice is served. 

I have also copied the Consumer Financial Protection Bureau for their attention to this matter. 

Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution. 

XXXX XXXX [ Enclosures : Documentation of XXXX, previous communication with Navy Federal, relevant legal citations ]
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX Capital One returned a payment for XXXX through XXXX. The charge was for {$760.00}. As the attached shows, at no time from XX/XX/XXXX to XX/XX/XXXX was my balance ever lower than the charge. As a result of the return, I was not only embarrassed, I was charged {$30.00}.
Consumer complaint received 2024-04-29
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (CA)

I filed XXXX complaints back in 2020 because PHH mortgage routinely fails to provide access to my online account, does not accommodate online payments in order to increase the amount interest charged on loans. 

For the last year I have called several times requesting access to my online account, I am told " They aren't accepting new online registrations '', I have previously been registered. " The website is down for maintenance '', this period lasts months, " We will forward you request to our technical team '' that takes a week, and then they provided a letter saying I had access then requiring an email confirmation that they never send. 

Without the email code I can't get into the account. Even if I could I can't make a payment that has to be sent via snail mail so that they collect interest. 

This is an ongoing deliberate practice of keeping consumers from having access to their mortgage account, to force people to pay unnecessary interest, and to delay consumer access to the most important financial account most people have.