davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-05
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. (MS)

A police report was submitted to ALL three bureaus ( XXXX, XXXX, and Experian ) XX/XX/2022, regarding identity theft regarding the following accounts : XXXX XXXX, Balance : {$3100.00}, XXXX XXXX : Balance {$1200.00}, XXXX XXXX Balance {$460.00}XXXX XXXX  : Balance {$260.00}, XXXX XXXX : Balance XXXXXXXX XXXX XXXX  : Balance {$300.00}, XXXX : Balance {$250.00}, XXXX XXXX XXXX  Balance {$400.00}XXXX XXXX XXXX Balance {$450.00}, XXXX XXXX Balance {$100.00}, and XXXXXXXX XXXX  {$670.00} XXXX removed accounts within 30-days, while XXXX and Experian have neglected to conduct a thorough investigation. Due to neglect, and it is XX/XX/2022, and no investigation results have been mailed to me. 

Per 15 USC 1681 B ( a ) 2 This law states that no one can furnish information on your consumer report without my written instructions.

Per 15 USC 1681 C-2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2022-11-05
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. (AL)

In XX/XX/XXXX someone opened a XXXX  account in my name and my wife name without my knowledge. In XXXX my wallet and wife wallet was stolen which contained personal information such as driver lincense and social security numbers. In XXXX I noticed a new account on my Experian credit report for XXXX mortage to XXXX XXXX XXXX which I disputed with Experian in XX/XX/XXXX but because there were a few payments made on the account it was verified as current. In XXXX XXXX I filed a police report due to I.D . theft and fraud with the XXXX police department and also with the Federal Trade Commission. In XXXX there was a fraud alert on my Experian credit report that directed creditors to call my phone number to verify my identity before issuing credit and this was not done in establishing this XXXX XXXX account in XX/XX/XXXX.
Consumer complaint received 2019-08-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MD)

On XXXX, XX/XX/2019, I contacted Department of Education/Nelnet and set up a repayment , the Extended Graduated Repayment Plan, in which according to the creditor my next payment is due onXX/XX/2019 and that everything was approved for me to begin to pay on all of my school loans in a consolidated payment. I was told that I would receive the confirmation in two days but after not receiving this information I contacted Nelnet again to inquire about this and I was told by a representative named, XXXX, that it wasn't approved. I expressed my total disappointment because I was misinformed and not notified otherwise; had I not called I would never have known. XXXX  then stated that he fixed it and even gave me a lower payment amount with an extended payment due date. Then when I again didn't receive the confirmation documentation I called back and spoke to a representative named XXXX. He told me that XXXX  had misinformed me as well and that I would have to make three consecutive payments on loan A first and then to call back after the third payment in XXXX, 2019 and then I would be able to successfully set up a consolidated repayment plan for ALL of my loans. I did that and then called NELNET as instructed by XXXX   and was then told that was ALL incorrect that it didn't count for ANYTHING just to make payments on that one loan and that the other action was NULL and VOID. ALSO, XXXX told me that XXXX  had stated that back in XXXX, 2016 that I agreed to place Loan A ONLY on a different payment plan than all the other loans that I had with them. I told NELNET that I NEVER agreed to that because I had already been notified and requested that ALL my loans be on hold while the Dept of ED investigates my claim for loan forgiveness. I also wouldn't have agreed to do this on ONE loan when there were so many others that needed to be addressed as well.
Consumer complaint received 2022-11-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I submitted a letter to the XXXX and Equifax Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint #, and I'm including it again. 
As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}
Consumer complaint received 2022-11-06
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: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have pulled up my report from Transunion and noticed several hard inquires that I have never authorized. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I called to my bank adviser and they told me that someone been tried to obtained credit card on my behalf, so I become a victim of identity theft. 
These hard inquires are not mine and must be removed from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

Please remove these from my report immediately
Consumer complaint received 2019-08-19
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. (AR)

In my complaint #XXXX  with TransUnion, I requested the cleared debt with XXXX be removed as it was connected the XXXX XXXX collection, (which was removed). It was reported back to me that no such account exists, which is only partially correct.  The erroneous account being reported by TransUnion, which was dismissed and closed by the court, is the XXXX  account.  This account is still being reported and hurting my credit score. This is a case where one finance company sold an account to another. (I believe the original account was held by XXXX which sold it to XXXX  which in turn sold it to XXXX XXXX.)  As ALL accounts related to the debt were cleared and dismissed by the Arkansas Court, NONE of them should be continued to be reported on my credit file.  This is illegal.Although the results have not been completed with the two other reporting companies, I am afraid they will finish with the same results as TransUnion.  Please refer to complaints #XXXX   & #XXXX and add this problem to those.thanx.
Consumer complaint received 2019-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

i spoke to a lady on the phone and she said this account should not be in collections also. the loan was already sent to a new company over a year ago they are stopping me from buying a house from reporting the wrong info i need a letter stating this account should not be on my credit report, and remove it from my credit report.
Consumer complaint received 2019-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

As I write this complaint I am so angry that I can hardly stand it. I have just spent one whole afternoon trying to get a temporary unfreeze on my credit. XXXX and XXXX were very easy. Experian is almost impossible. I tried multiple times to go through the process from my phone. At the end each time I was told it could not be completed. The same thing happened with multiple attempts on their website. It was impossible to speak with a human. I had to gather paper documents and then scan and email them. I can only hope someone actually does what I asked. After reviewing online forums for other complaints about Experian I am not encouraged - they are universally despised.I have had this problem with them before. This company controls our lives and acts as if it doesn't care whether it damages us or not. It is my understanding that you regulate them. I ask that someone take strong measures to force them to treat their CAPTIVE "customers" (actually, we are just merchandise that they sell) fairly and with respect. We  did not hire them, cannot fire them, and cannot escape from them. You are the only voice they answer to. PLEASE use your authority to bring them into line.XXXX XXXX
Consumer complaint received 2019-08-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (AL)

Ditech financialMy regular mortgage payment is about XXXX  monthly but I have making a conscious effort to about XXXX for the past year. A couple of months ago I receive a notice the my account was going into escrow which would increase my monthly payment from about XXXX monthly to nearly XXXX monthly, I don't need them to pay my taxes. I do that on my on.Plus my balance seem to constantly increase of stay the same as if my payments are not being applied to my account correctly.
Consumer complaint received 2019-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

On XX/XX/2019 my mortgage was transferred from XXXX to LoanCare. Immediately LoanCare issued a statement that I owed a back amount of $XXXX plus the current due amount of  $XXXX for a total of $XXXX due as first payment.
 The back amount is in error as all payments where current with XXXX. I have statements showing this.
 I switched my auto payments over so the first payment due to LoanCare would be sent to them on XX/XX/XXXX and on the same date for following months.
 For the following 3 months LoanCare did not credit my account with payments even though they had received them. I have bank statements showing the electronic payments made along with detailed payment transfer information supplied by my bank.
 During this time I tried multiple time to contact their customer support to resolve this with the following the results.
 Phone calls during their established hours result in being hung up on by the auto attendant after entering the loan information.
 Attempts to create an online account to monitor my loan have been denied with a message to contact their customer support which multiple attempts at all number provided end in being hung up on after entering the account information required to get through the auto attendant.
 On XX/XX/2019 I followed their instructions and mailed certified a package of support and letter requesting resolution to their Resolution Center which was signed for on XX/XX/2019. I still have not received a response as of XX/XX/2019 and their has been no correction to the account.
 At this point LoanCare has refused to provide any viable means to work with them on resolution.
Consumer complaint received 2019-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Change of billing date at last minute by Capital One Bank and then called to get another date in which I was told it would be the XXXX call back on XX/XX/XXXX on XX/XX/XXXX 2019 got the run around and one story after another. Was told over a month ago a letter was been mailed out for the XXXX XXXX  of the month.XX/XX/2019 now capital one acts if there was never no call. I have phone records where I been on the phone for 45 minutes and been on the phone several times.
Consumer complaint received 2019-08-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (NY)

On XX/XX/2019 via an online chat I informed Macy’s that I had an attorney and to direct all communication to them.They continued to call multiple times daily.OnXX/XX/2019 I emailed Macy’s at XXXX with a copy of the online chat and again requested they cease and desist contacting me and contact my attorney.They continue to call multiple times daily.This is harassment and needs to stop immediately.
Consumer complaint received 2019-08-19
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: Lockhart, Morris & Montgomery Inc. (GA)

Lockhart, Morris, & Mont inserted this entry on my report without communicating with me.  I have not received a dunning letter or anything from them.  By law, prior to inserting this entry on my report, they should have communicated with me and allowed me 30 days to dispute the validity of what they are alleging.  I have retrieved my report numerous times over the last few months and they are still continuing to violate my consumer rights.  My communication with them in XX/XX/2019,  (see attached), of which I sent certified for the certified receipt proves they received my dispute letter; however, has not responded. To date, they have had almost 60 days to respond.  In my letter to them, I requested they provide an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, provide the alleged account number, date this alleged debt became payable, original delinquency date, verification that the alleged debt was assigned or sold to collector as well as a complete accounting of alleged debt.  As previously mentioned, I have not received any response from this company.  To that end, this entry should be deleted from my report immediately.  Lockhart, Morris & Mont are continually and blatantly reporting this entry and violating my consumer rights.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have recently reviewed a copy of my credit report. I am concerned because there was 8 inquiries by TransUnion that i do NOT recall authorizing.XXXX- Inquiry from XX/XX/XXXXXXXX Card- Inquiry from XX/XX/XXXXXXXX- Inquiry from XX/XX/XXXXXXXX- Inquiry from XX/XX/XXXXXXXX XXXX- Inquiry from XX/XX/XXXXXXXX- Inquiry from XX/XX/XXXXXXXX/XXXX- Inquiry from XX/XX/XXXXXXXX XXXX- Inquiry from XX/XX/XXXXIt is my understanding that you can only make an inquiry to see my credit report if i authorize it. I would like for you to remove this unauthorized inquiries for it is negatively affecting my credit score. Please send me conformation that this has been done.
Consumer complaint received 2019-08-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Service Finance Holdings, LLC (OH)

In XX/XX/2019, I had a new roof installed on my home.  The cost was $XXXX and the financing was initially secured with Service Finance Company LLC.  S.F.C. home base of operations is in Florida, which added to my difficulty in them receiving my payoff checks  for some reason, but my inital payment paid on XX/XX/19 check number XXXX for $XXXX was received and posted ok to my account.  But, when I tried to pay off the loan balance by phone on XX/XX/19 in the amount of $XXXX via A.C.H. payment the payment was supposedly rejected, with a confirmation # of XXXX. S.F.C. states their representative entered the checking account information correctly, and my checking account information was verified the routing and account number used were correct.  They don't know what happened, this checking account is associated with a line of credit with plenty of balance to handle the $XXXX payoff.  So after discovering this on XX/XX/19, I mailed a check to their XXXX XXXX XXXX in XXXX, Ohio, per their statement and instructions.  This check was in the amount of $XXXX dated and mailed out XX/XX/19 check # XXXX.  On XX/XX/19 I discovered that this check according to S.F.C. had not been received in XXXX, I later found this to be untrue, by letter from my Bank dated XXXX stating they had attempted to cash check XXXX but due to the stop payment I placed the payment was rejected.  On XX/XX/19 I went to the bank and ordered another check.  I then mailed to SFC check number XXXX   on XX/XX/19 in the amount of $XXXX per their instructions to compensate for additional interest, approximately $XXXX per day.  I paid for a certified mail receipt on XX/XX/19 and I learned that SFC received this payment check #XXXX on XX/XX/19 at XXXX XXXX. but the payment was not processed until Monday XX/XX/19.  I shared this tracking information with SFC.  SFC corporate address as far as I know is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX phone XXXX, fax XXXXAfter several phone calls to SFC, and requesting to be refunded $XXXX   which is the difference between check number XXXX   $XXXX-$XXXX check # XXXX, SFC denied my request and informed me their was a $XXXX balance on my account.  They did credit me the $XXXX (approximately, no statement sent to me).  After careful consideration, I have decided to ask the CFPB to investigate this transaction.  I would like a full refund now that extends back to the balance of my loan on XX/XX/19 which was $XXXX subtract my final payment of $XXXX=$XXXX.  However, I would be somewhat content with $XXXX as stated above.  I feel that SFC used predatory loan practices in processing my payoff amounts in an obvious attempt to postpone payments as to keep interest accruing on my loan balance, due to the fact that they told me they did not receive check # XXXX $XXXX at their P.O. Box in XXXX, Ohio, when in fact SFC did receive the check someday before XX/XX/19, as I can prove by the letter dated XX/XX/19 sent to me by my bank.