davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
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. (NC)

In Accordance with the Fair Credit Reporting Act and XXXX Account # XXXX, # XXXX # 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 2021-08-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

THIS IS NOT AN UN-AUTHORIZED THIRD PARTY. I am making this complaint on my own there is no third party involved. 
This complaint is about me getting taking advantage of due to malpractice of while several laws are being broken under FCRA by your company. This has caused financial injuries on my credit report. 
Its caused me Defamation of character. I am unable to get a job, get approved by credit card companies, or buy a house. 
I have tried serval times to apply for loans such SBA loan, but due to the pandemic under this crisis you have hurt my ability to obtain credit.
Consumer complaint received 2021-08-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: FIRSTBANK (CO)

I was politely asking for a solution. On XX/XX/XXXX, a nice banker allowed me to share my concerns over the phone, but when my father was curious that even though my father had previously accounted openly they were allowing him to open and I'm his son. I have a document to share proving I was exhausted enough. But I insist on this bank because my concerns convinced arms and fees. Please allow, me to listen instead of being against me. That's not correct and it's wrong, after I had conversations in the bank, where my father he gets his bonus, and he had account closed and so that's enough to tell you why my conversation will not end depends on me because, the branch manager XXXX was being unfair, that he could have, just stop me of going in person why can't just leave like this, at least online banking is safe to him and me, that is that if he really hates me and not others customers. 


Please review, my recording of the called mentioned XX/XX/XXXX and one XXXX at the branch. 
XXXX XXXX XXXX XXXX, XXXX, CO XXXX
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

an account was opened in my name and social security number that i never opened. im not sure when the account was opened. it was closed on XX/XX/2020. the charge of amount is {$170.00}. the reported adress is a place in Oklahoma i have never lived at. i have tried to open several checking accounts and can not do so because of action. i dont really know where to go from here because the XXXX  gives me no other info besides a routing number and the last for numbers of the account.
Consumer complaint received 2021-08-20
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. (GA)

I have sent letters to you requesting that you remove inaccurate accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests to perform a proper investigation on the following accounts XXXX  XXXX, XXXX, XXXX XXXX, XXXX, US DEPT ED, XXXX XXXX  and XXXX. I have advised that the The Date of Last activity is showing inconsistent dates on the listed accounts requested you to remove them due to violation, but yet you have ignore my request.
Consumer complaint received 2022-08-08
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. (VA)

I ordered a copy of my report in Identity Id dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check and correct the payment history, date open, last activity and Status of these accounts listed below. I believe it was reporting in error in my file. 
XXXX XXXX Balance : {$93.00} XXXX XXXX Balance : {$24.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

NewRez LLC should not be in the loan servicing business. At best, they do not have the systems in place to provide even basic mortgage servicing, at worst, they are actively predatory. 

They purchased our loan several years ago, and we have had nothing but trouble since. This month was particularly egregious. We received a letter from our homeowner 's insurance this week stating that they had not received payment since at least XX/XX/2021 and our insurance coverage ended in mid XXXX because NewRez had not paid them. It is now XXXX, so we were unknowingly without home insurance for half of XXXX, all of XXXX, and now half of XXXX. We contacted NewRez to find out why they had not paid, as we have an impound account with them and they are responsible for paying our homeowners insurance from it. It took transferring to several people before they agreed that yes, they were supposed to be paying our homeowners insurance and hadn't. They promised to cut a check that day and overnight it to XXXX, as XXXX was going to terminate us as a customer permanently if they didn't receive a payment within a week. 

That was Wednesday, XX/XX/XXXX. We called again today, Friday, XX/XX/XXXX to confirm it had been done, and it had not. 

Last year, we had a similar problem, but the opposite. We were up to date on our home owner 's insurance, but every month, NewRez would send us a threatening letter, telling us that we were without insurance and if we didn't pay them immediately, they would purchase a new and very expensive policy from some unknown insurance company on our behalf. Each month, I called NewRez to say that we were up to date with our insurance. They would call my insurance agent, find out that we were, and apologize, saying they would correct our records, and yet, it happened month after month. I had to contact them repeatedly, on the phone and through the mail, for months before they finally stopped harassing us.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

I'm just now learning how to check my credit score and I have been working on it now and I have charges from places and things that I've never had before in my life. I was told by XXXX before they were bought out that I had a phone account set up in another state at that time and I had them cut it off and the told me to report it but I never heard anything back and now there is more. My phone number is XXXX please contact me ASAP
Consumer complaint received 2021-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

In XX/XX/XXXX, I provided FedLoan Servicing with my employer certification, per policy for the Public Service Loan Forgiveness program. Because the signature was electronic and not 'wet ', they stated the form was not correct. In all the years past, this has been accepted. 

In XXXX, I provided the form again. In XXXX, I called and they stated it would be expedited and the payments would appear on my account. I called again in XXXX, because they still had not been accepted. I was told they were trying to see if my employer qualified. I have been employed with the same government agency since XXXX and my payments have been counted before. 

It is now XXXX and my payments still have not been added to my account. I am tired of calling and getting the run around. You are placed on hold for extended periods of time whether it is on the phone or chat. Everybody gives you a different answer and none of it appears to be the truth. It is rather ridiculous!
Consumer complaint received 2021-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX *** ** XXXX TransUnion XXXX. XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed seven number of inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 1. XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
2. XXXX XXXX XXXX XXXX ( XXXX ). Date of inquiry, XX/XX/XXXX. 
3. XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
4. XXXX XXXX XXXX  XXXX. Date of inquiry, XX/XX/XXXX. 
5. XXXX  XXXX XXXX ( XXXX ). Date of inquiry, XXXX XXXX. 
6. XXXX XXXX XXXX XXXX. Date of inquiry, XXXX XXXX. 
7. XXXX XXXX. Date of inquiry, XX/XX/XXXX. 

I Kindly ask that you please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : XXXX The name and job title of the individual who pulled my credit XXXX The date they claim to have received my permission to pull my credit XXXX The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims. 
Thank you for your prompt assistance with this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-01-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (KY)

My loans originated in XXXX with XXXX to attend XXXX University Online. I was granted a forbearance in XX/XX/XXXX, XX/XX/XXXX, before I made any payments. I called for help because spouse had lost job. I believed my loans to be Federal loans that would be able to get Nursing forgiveness but found out my loans were ineligible. I was never, by XXXX, Sallie Mae or Navient, told I could consolidate my loans into a Direct loan that would qualify for forgiveness. I wasnt made aware of that until last year when Covid came and I didnt qualify for the payment pause or 0 % interest. I did some research and emailed a lot of politicians to complain and listened to multiple XXXX videos. In XXXX of XXXX I completed a Direct consolidation loan and have applied for XXXX. They are telling me I have made 7 qualifying payments right now. I began paying on my loans XX/XX/XXXX with XXXX at $ XXXX. In XX/XX/XXXX they were transferred to Sallie Mae. In XX/XX/XXXX, I called due to financial hardship and was offered forbearance for 6 months from XX/XX/XXXX to XX/XX/XXXX, which was later extended to XX/XX/XXXX, which was extended to XXXX XXXX. In XXXX, I began payments in XXXX to XXXX when I began filing Ch XXXX bankruptcy which was discharged XX/XX/XXXX. My loans were transferred to Navient at some point in XXXX. I resumed payments XX/XX/XXXX and continued until XX/XX/XXXX. I was furloughed due to the Covid Pandemic in XX/XX/XXXX when I called Navient to see if I qualified for the payment pause or 0 % interest I was told my loans were NOT federal loans and did not qualify and they offered me 6 months of forbearance. During all these years trying to pay these loans and years of forbearance no one explained income driven plans ( and still havent ) and during all but 2 of these years, I received NO increases in salary. I have researched and seen that XXXX had to repay billions in loans for bad practices, XXXX University students have gotten loan forgiveness because of the schools bad practices. Now Sallie Mae/Navient are having to discharge loans. I have no way of knowing if my loans are in the ones Navient will forgive. Mine are currently with XXXX and awaiting to see if they count more of my payments as qualifying for XXXX. I have worked at a qualifying hospital for almost 25 years. I was financially XXXX by Sallie Mae & Navient for years. I currently owe XXXX. My original loan balance was XXXX. The payments I have made have all been approx XXXX or more/month. I want to know if my loans should have been included in the XXXX forgiveness or will they be included in the Sallie Mae/Navient debacle.
Consumer complaint received 2021-07-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (MD)

Back in XXXX or XXXX of XXXX, we had to go on forbearance due to the COVID crisis because my wife 's company had to close. Once we were back up and running in XXXX, we talked with AmeriHome Mortgage about a loan modification. I filled out the paperwork, submitted it and start making my monthly payments for the trial period. Once that was complete, they never gave me any updates and advised there was no movement on my modification. In XX/XX/XXXX, I was finally able to get some answers after being on the phone with several dozen people and spending well over 80 hours of my time. They advised my modification was denied due to a lien on my title. I knew there was no lien on my title so I contacted my title company and they did a search and sent me proof of a clean title. AmeriHome never allowed me to protest the findings and simply closed the modification without notifying me. Since then I have spent well over XXXX hours on the phone with nearly XXXX or more different people to continually get the run around and no assistance to help correct this issue. So right now they won't even allow me to make my monthly payment until this is resolved. I have emailed, uploaded, and mailed the clear title and loan modification application 5 times and they are still asking for the application. I have been hung up on countless times and transferred to dozens of people who still can not assist. I have requested at least 20 times to speak with a supervisor to only be told they would put the request in to have them call because they can not transfer them and then never get called back. I have never seen a company operate in such a manor and to have such gross incompetence from everyone I have dealt with. I have also never seen a company not allow you to pay them what you owe.
Consumer complaint received 2023-06-28
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. (NY)

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX.
Consumer complaint received 2021-08-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bridge IT, Inc. (OH)

Brigit is a money lending service. I last used their services over two years ago. They charge a {$9.00} monthly fee. I unlinked my bank from their service two years ago. I haven't used them or been charged the {$9.00} since. 

On XX/XX/2021 I was charged the {$9.00} I contacted my bank to dispute the charge. I emailed Brigit support. Customer agent - XXXX told me even though I haven't been charged in 2 years I am being charged now because my account was never canceled. She agreed to refund me. But said I'll still be charged the {$9.00} membership fee until I repay the loan. 

I asked her again to not charge me and close my account.
Consumer complaint received 2022-08-28
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: OneMain Finance Corporation (VA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (TX)

As addressed to United Wholesale Mortage : Back in XXXX I wanted to sign up for the budget draft and instead of taking half the payment as per terms of the agreement you instead took the full mortgage payment. I was assessed a fee for insufficient fund. I call and the fee was removed. 

Afterwards for weeks I received no feedback or paperwork work for the budged draft even after faxing over my savings account information over and over. Finally when I called you said I had to pay one month advance for the enrollment into budget draft. I did that and budget draft was finally set up. Again no communication to me that I had to make an additional month of payment. 

After that what I expected should have been no issues since it was bi-weekly payments right? Wrong. Apparently you take 3 payments on a month with 5 Fridays. I was assessed a fee AGAIN. 

So I called and explained the situation and they said that the issue will be resolved. I did this three times and every-time you stated that the fee would be removed. I even wrote on the online messaging system and I was ensured that it would be taken care of. 

I called back today almost a month later now and explained the situation to the supervisor in the escalation department and they stated that since the fee was already waived once again which was a mistake on your end that they cant remove the fee. 

Im not paying the fee. 

Loan # XXXX XXXX XXXX