davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-01
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. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2019-03-02
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Statebridge Company (NJ)

Our XXXX had a mortgage on several residential properties with XXXX XXXX. The mortgage was purchased by Statebridge Co. We paid the debt in full in XX/XX/XXXX. I have the discharge of mortgage and a clerical error was made by Statebridge. The released property is listed as our XXXX 's mailing address and not the several properties the actual mortgage was for. I contacted Statebridge to alert them on XX/XX/XXXX. XXXX XXXX from Statebridge was associated with this loan. I notified Ms. XXXX of the issue by email, she responded XXXX XXXX XXXX and again the same day stating she had located the document and was working on it. Having heard no response i have emailed her XXXX XXXX, XXXX asking for the status. No response. This is a clerical error Statebridge can easily resolve. Our XXXX needs to restructure quickly and further loans are being denied as a result of Statebridge 's reluctancy to correct their mistake.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing to you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1.My Full Legal name : XXXX XXXX 2.My Address : XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do 1 have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX, AL XXXX Sincerely XXXX XXXX
Consumer complaint received 2024-09-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC (WI)

I submitted a loss mitigation application back on XX/XX/year>. I never received a response back from it. Just a response to the complaint that it was received. I never received a denial or acceptance from that application. 

I then applied for XXXX Bankruptcy due to LoanCare never responding to my loss mitigation application and sending letters that I was in default. 

I received an application in the mail for Loss Mitigation on XX/XX/year>. At that point, I submitted a new application. I was hoping for Unemployment Forbearance through XX/XX/year>. I also emailed them again on XX/XX/year> since I never received an email that they received either application.
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2024-09-11
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: EQUIFAX, INC. (DC)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced
Consumer complaint received 2019-02-27
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: Resurgent Capital Services L.P. (TN)

At first I received a letter from LVNV funding about an alleged credit card debt with XXXX XXXX. I sent LVNV a debt validation letter and they never validated the debt. Then I get a letter from Resurgent Capital Services collecting on a debt for LVNV and also XXXX XXXX credit card. I sent Resurgent Capital Services a debt validation letter and all they sent me was an " home made '' account summary stating I owe LVNV funding and XXXX XXXX. I also sent a dispute letter to the credit bureau and they were of no assistance. How can a debt collection agency collect on behalf of another collection agency? I can't ALLEGEDLY OWE 3 COMPANIES : Resurgent Capital Services, LVNV funding and also XXXX XXXX for ONE debt!!!! I also sent the CEO of XXXX XXXX an email and have yet received a response. I want this removed from all of my credit reports. This is an illegal act!!!! No one has shown any proof that I have business contract set up with them to put this derogatory tradeline on my credit report!!!! This is ILLEGAL!!!!
Consumer complaint received 2019-02-25
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. (IN)

I have made several attempts to have non-account holding inquiries removed from my credit profile and provided proof of several violations from various companies that have placed these inquiries on my credit profile. After several months, of disputing with TRANSUNION LLC, I spoke with a representative named XXXX, and he informed me that they are not going to remove anything from my profile, even though I provided proof of the violations.
Consumer complaint received 2019-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

I had gone to my financial institution to try to apply for a loan, when they pulled my credit report it showed that XXXX XXXX XXXX, who is actually the company that I am leasing my house through is reporting that I owe {$2000.00} per month on a trade lne. My rent is only {$1000.00} so I don't know why they reported {$2000.00} but the way that they are reporting it, it looks like I have owed {$2000.00} since I moved in and they are not reporting that I have paid anything, but infact, I have paid my rent early every single month. 
My financial institution said that because this is showing on my credit report this way, it puts my debt to income ratio incredibly high and that they will not be able to give me a loan with it showing this way. I contacted XXXX who agrees that this is incorrect but instead of callng the Credit bureaus to fix it, they sent me a lettter. My financial institution will not accept the letter and said thta until they remove it, it will affect my ability to secure a loan. I would like this fixed.
Consumer complaint received 2019-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

I had gone to my financial institution to try to apply for a loan, when they pulled my credit report it showed that XXXX XXXX XXXX, who is actually the company that I am leasing my house through is reporting that I owe {$2000.00} per month on a trade lne. My rent is only {$1000.00} so I don't know why they reported {$2000.00} but the way that they are reporting it, it looks like I have owed {$2000.00} since I moved in and they are not reporting that I have paid anything, but infact, I have paid my rent early every single month. 
My financial institution said that because this is showing on my credit report this way, it puts my debt to income ratio incredibly high and that they will not be able to give me a loan with it showing this way. I contacted XXXX  who agrees that this is incorrect but instead of callng the Credit bureaus to fix it, they sent me a lettter. My financial institution will not accept the letter and said thta until they remove it, it will affect my ability to secure a loan. I would like this fixed.
Consumer complaint received 2019-02-27
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Was charged on XX/XX/XXXX for an item I never ordered, initiated, or authorized in anyway for {$680.00} for visa card with Bank of America # ( XXXX XXXX XXXX XXXX ). The item ( phone in a 1lb. USPS envelope which allegedly was to arrive XX/XX/XXXX @ XXXX XXXX ) I was home that day never seen or accepted any package of sort. I called the Credit Card Company ( Bank of America Fraud Claim Dept. ) and received a letter XX/XX/XXXX saying " ... we consider your dispute resolved and no additional action on your part is required at this time ''. On XX/XX/XXXX I received another letter from BOA Fraud Claims Dept. stating that my address was verified and therefor I am responsible for the amount. Since, I made a police report ( # XXXX ) XXXX PD officer # XXXX, a postal inspector investigation case # XXXX and XXXX XXXX Identity/ Fraud Protection Security Freeze , Alert Investigation # XXXX. I have given all this information to Bank of America Fraud Dept. numerous times via fax, verbal contact, etc. but they are still giving me statement due amount ( s ) including the {$680.00} charge.
Consumer complaint received 2019-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I noticed there was a hold on funds I received from a check but it was separated in 3 different transactions. 
2 transactions of {$2000.00} and 1 of {$860.00}. 
I was at work at the time these took place and I didn't notice until I was unable to get an XXXX home from work since there was only about 40 cents left in my Bank of America checking account. 

I waited until the next day to call the bank because I thought it was just the check taking a little longer to go through but once I opened app, it showed that the 3 transactions were changed from funds on hold, to being a cash withdrawal at 2 different locations of Bank of America. 

I live in XXXX XXXX and the only banks I go to withdraw cash are the ones within 5 miles of me, these cash withdrawals happened in XXXX XXXX which is more than 100 miles from where I live and work. 

I called my bank and told them what happened, and the only thing they told me was to file a claim and a police report and that I will get an email or call for a follow up on the bank 's investigation, which I did. 

I heard nothing during the whole " investigation '' from the bank. The only thing they told me was it might take 60 days to resolve the case. Until today, XX/XX/XXXX I finally received an update through email stating that they won't honor my claim because debit card/ID and pin # was used for the transactions. 

I have always kept my ID and credit cards with me and have never misplaced it or lost it anywhere outside of my home which makes no sense how anybody could show up with any identification of mine, 100 miles away from where I live to withdraw so much cash at 2 different locations. And I'm sure there's security cameras that show who was the one taking money out of my account since all transactions happened with a teller at the bank. 

I don't believe the bank took any importance to either prevent or resolve the issue. I originally received a check of {$5000.00} as a personal loan and now because of this, I was left without money with an extra {$5000.00} I need to pay back because of Bank of America 's unwillingness to properly run an investigation as to what happened.
Consumer complaint received 2019-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

My loan servicer is Navient. I'm currently enrolled in an income based repayment plan, the status of which should have lasted until XX/XX/2019. I usually file renewal paperwork in the summer. For some reason, the payments due for half of my loans randomly increased in XXXX. The total overall increase is exactly {$100.00}. Last month I was supposed to pay a minimum payment total of XXXX. This month, I supposedly owe XXXX. When I called today ( XX/XX/2019 at XXXX XXXX E. ) to ask why, the customer service representative had no idea what to tell me. She tried to suggest that something may have changed with my private loan. But I was looking at a print out of each individual loan payment, and my private loan was not the issue. Half of my student loans ( 4 direct federal loans and 2 stafford loans ) increased. I've provided screen shots as attachments below. One screen shot from XXXX where my payments were correct. And one from XXXX where they're randomly {$100.00} higher. I'm not sure what the customer service rep was looking at to indicate that this change would have had anything to do with my private loan. But just guessing about it was not helpful and could actually have been harmful to someone who didn't know any better. Her Navient customer service ID was XXXX. We ended the call with her saying she put in a research request to see why the payments would have changed. I requested to speak to a supervisor, but she denied my request. In the meantime, they put my account on a courtesy hold because my payment is due at the end of the month ( in three days ). But no one can explain why my payments increased in the middle of the income based repayment plan cycle This isn't the first time my payments have changed for suspicious reasons. It always seems to get sorted out, but only after a few weeks and many hours on the phone pushing for real answers and not uninformed guesses. I've started taking screenshots of my online navient account because the payments change so frequently and usually in error. And I want to be able to prove what's happening to me.
Consumer complaint received 2019-03-02
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: Experian Information Solutions Inc. (NY)

I am attaching a copy of the Experian credit report picture. Ive already disputed this account and Experian keep saying verified ... I have attached an image of this. 
- This account is not my account. I have NEVER had a student loan. This is an error and Experian and XXXX XXXX XXXX  does not fix this. 
-According to 1681 ( i ) ( a ) of the FCRA.. Experian is supposed to investigate this account and even go beyond the what XXXX XXXX XXXX  says. There is NO contract, signatures, correspondence.. NOTHING for me and these people. 

I am trying to move currently and this account is affecting me and my family. I have copies of being declined a new apartment. Please remove this quickly. I am suffering with my reputation and suffering financially. 

Experian is the only bureau showing this account. See Attached
Consumer complaint received 2019-02-25
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. (MI)

On XX/XX/2019 I received a letter from XXXX XXXX XXXX , XXXX in reference to an alleged debt with XXXX XXXX. I called XXXX XXXX XXXX and informed them that this was not my debt, that I had never signed up for anything with XXXX XXXX, and I was not going to pay this debt. The CSR informed me that since my date of birth matched up with what they had in the system, that this was in fact my debt, and I would have to pay it. He further stated that XXXX XXXX would have " proof '' that I signed up and that because of that I would have to pay it. Once again I informed him that I never signed up for anything with XXXX XXXX, that I was the victim of ID theft and that this was not my account. The call ended with that, but that is not where it stopped. I got an alert from XXXX that a new " collection account '' was listed on my credit report. This collection account was listed by XXXX XXXX XXXX, and has XXXX XXXX listed as the original creditor. This caused my score to drop my over 50 points. I filled out an ID theft affidavit, and I also went to the XXXX XXXX Police Dept. This is not my account, I want it deleted from all of my credit reports. 

Also Equifax keeps sending me emails that a dispute was started and then sends me a link to the results, yet when I try and log in to get my results, they say that the information they have on file doesnt match my report.
Consumer complaint received 2019-02-27
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. (OH)

I have a few issues on my credit file my name is XXXX XXXX XXXX, please delete the other variation of my name my name is listed wrong please correct. The following addresses are not mine please remove : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX I have some unverified accounts that I have never done business with these companies : XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX a # XXXX. 
Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have  violated federal law.
Consumer complaint received 2019-02-28
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Integrated Recovery Services (MA)

This person has called me, my wife, and my mother trying to collect a debt. They have not sent me any documentation on the debt and I have refused to give my personal information due to the fact that I do not know if this company is a scam. I looked this number up online and many sites list it as a scammer number. Also, I have no outstanding debts and thus I would have nothing in collection to be called about. So, I know it's bogus.