davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC ()

In XXXX  I applied for this loan based on my needs not understanding it was predatory and illegal. I tried to pay it off but just couldn't because of the high interest rates. Finding the true lender rule was overturned. That would make this loan illegal in the state of Florida.
Consumer complaint received 2022-10-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION (DC)

Approximately 4 years ago, I took a personal term loan from Truist Bank. At the time the loan was originated I set up automatic debits on the account for the payments. 

Truist Bank has a policy for personal loans such that they will not process the final loan payment/payoff amount of a personal term loan because it might be a few dollars off the monthly payment amount. However, Truist does not give notice of this policy in their loan statements or otherwise, which resulted in late fees and additional interest when the final loan payment was not automatically processed on my account. 

I called and the customer service representative stated that this was supposedly disclosed XXXX years ago, but I have no memory of it. While Truist agreed to waive my late fee, I was charged additional interest on the loan and had to waste time calling in to close the account. I am complaining because : 1. it is likely I am not the only consumer that may forget that they have to call in and make the final payment, 2. I have never encountered this policy with other providers ( XXXX XXXX just processes the final payment ), 3. Consumers are being harmed by this policy through avoidable interest charges, late fees, and, if the customer doesnt call in soon enough, damage to their credit.
Consumer complaint received 2018-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

On XX/XX/XXXX my student loans totaling {$22000.00} that were being serviced by XXXX XXXX XXXX XXXX XXXX  were consolidated to XXXX XXXX XXXX. I began making payments under an income based repayment plan in the amount of {$120.00} on XX/XX/XXXX until XX/XX/XXXX. I was not made aware by XXXX XXXX XXXX. or XXXX  XXXX XXXX XXXX XXXX that my loans were classified under the Family Federal Education Loans Stafford subsidized and unsubsidized loans which were made by private lenders but backed by the government and did not qualify for the public service loan forgiveness program.
Consumer complaint received 2024-03-03
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: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

Payment went 30 days passed due in XX/XX/. I was not called nor notified in any way shape or form of the delinquency. In fact, I was out on XXXX XXXX XXXX XXXX XXXX and not only did I have XXXX XXXX done, but my workplace XXXX XXXX XXXX XXXX After speaking with my XXXX, I was told my employer was in breach of contract. Because of the XXXX XXXX XXXX XXXX XXXX XXXX I was unaware that a payment was missed. Once I found out about the missing payment, I did my best to rectify the situation. I have been a customer with XXXX XXXX for many years and I have never had any issues or problems. There is a team that is dedicated in reaching out to consumers when payments are late, however, I did not receive any notifications via mail, call, nor text. XXXX XXXX verified that there is a team that reaches out to people when payments are late, however, they stated it is not mandatory. As a long time customer, I would have hoped that they would have reached out to me to rectify the situation prior to then reporting the situation. Had they of reached out to me, I could have found a way to rectify the situation even in my current state after the surgeries.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 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 2024-02-05
Product: Credit reporting 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. (IA)

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to TransUnion requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove this inaccurate information from my credit report.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

The Department of Education took my tax refund. My loan was in good standing and paid off on the credit bureau. However,. when the COVID 19 situation came about, the Department of Education refunded me my money. They said that they are not requesting any payments at this. The account will be active and good standing. Their voice recording also do not worry about making payments. Also, the Department of Education said they are accepting any payments at this time. They probably will not be accepting payments for a while. I looked on my credit it said that me acct is closed and not in good standing. How can this happen when the Department of Education said that my account should report in good standing, also I was not the one who requested a fund.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Oracle Financial Group LLC. (TX)

I received a call from XXXX, from Oracle Financial Group LLC . He told me there was a case pending and that I would be served unless I set up a payment with him. He told me he could stop the person who was going to serve me if I made a payment by Friday. ( XX/XX/2017 ). I also received a call from someone claiming to be a " server '' and would go to my place of work to serve me paperwork. Out of fear, I did set up a payment for the XX/XX/XXXX for XXXX. When I asked for a validation letter, XXXX got very defensive and told me I was becoming unbearable to work with. He has also called me at my place of work and told my supervisor that I was being investigated for a bad check!
Consumer complaint received 2024-02-05
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. (CA)

I am the victim of identity theft and XXXX, Transunion, and XXXX as well as secondary credit reports are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. These credit cards and hard inqiruies need to be removed immediately! 

Credit cards to be deleted : All of XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX  XXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. 

Inquiries to be deleted : All of XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX  XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end.
Consumer complaint received 2016-05-03
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY (NY)

I sent a check to my credit card company, Wells Fargo, on XXXX XXXX for a bill due on XXXX XXXX. They claim that they did n't receive it until XXXX XXXX and they charged me a late fee of {$15.00} plus interest ( {$5.00} ). I know the mail is sometimes slow but it does n't take over two weeks to get from XXXX to XXXX. I called customer service and they took off the late fee " as a courtesy '' but I still have to pay the interest. This is n't the first time this happened to me.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-02-05
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)

Re : Account # XXXX XXXX XXXX XXXX I am writing to bring to your attention an issue I am experiencing with XXXX XXXX regarding the reporting of a late payment on my credit report. Despite my efforts to rectify the situation with XXXX XXXX directly, the late payment remains on my record, adversely affecting my creditworthiness and, consequently, my ability to secure a home loan. 

On XX/XX/24, I contacted XXXX XXXX to address the late payment appearing on my credit report. I explained that the only late payment was a result of their system failure, which prevented my payment from posting on time. Despite acknowledging the technical issue on their end, they have refused to remove the late payment from my credit report. 

This situation is deeply concerning to me as it unfairly impacts my financial standing and ability to achieve important milestones such as homeownership. I have diligently maintained a positive payment history with XXXX XXXX prior to this incident, and I believe it is unjust for their system failure to penalize me in this manner. 

I kindly request your intervention in this matter to ensure that XXXX XXXX takes appropriate action to rectify their error and remove the late payment from my credit report. Your assistance in resolving this issue would be greatly appreciated. 

Thank you for your attention to this matter. I am available to provide any additional information or documentation necessary to assist with your investigation.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2017-03-13
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (NC)

The broker and his supervisor are telling me they make the appraisal they send me a fake approval of the loan for {$97000.00} to pay off my loan with XXXX but the loan never was paid to XXXX. Quicken loan and XXXX intention is to keep the {$500.00}.
Consumer complaint received 2024-02-05
Product: Credit reporting 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. (MD)

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. 15 U.S. Code 1681c Requirements relating to information contained in consumer reports. 
XXXX  XXXX Bankruptcy Case Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

2. These inquiries were not authorized by me and I would like them to be removed XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. FDCPA section 807 violation misleading false reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 6. I did NOT APPLY for this company. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 9. I always paid as agreed on time this is an error XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
12 XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
11. XXXX XXXX XXXX for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
XXXX Account Number : XXXX Please remove it from my credit report. 
12. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report.

The credit report stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date lady active is inaccurate and date last reported is inaccurate. 

This is grounds for removal due to a violation of my rights under 15 U. S. C. 1681 Section 602 A stated I have the right to privacy.

15 U. S. C. 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

I have attached and highlighted the accounts incorrect.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-08-25
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ARC Management Group, LLC (TX)

I got phone call from ARC around XX/XX/XXXX and got a mail XX/XX/XXXX, XXXX report me to credit bureau on XXXX XXXX, even before I got notice from them!!! 
accounting to " Fair Debt Collection Practices Act '' this federal law said '' Debt Collector Must Send Written Notice of a Debt '' and with five days of contacting me, a debt collector must send me a written notice telling me the amount of money I owe and the name of the creditor. But ARC DO NOT do this!
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX XXXX. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX XXXX, they should be promptly removed from my credit report. Since it has been over XXXX XXXX, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.