davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-07
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. (AR)

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-07
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (PA)

I am writing to bring to your attention an issue I recently identified on my credit report, which I strongly believe to be inaccurate and detrimental to my credit status. The item in question, as detailed below, is adversely impacting my financial standing : Account # : XXXX Account Type : Open Account Account Type - Detail : Unknown - credit extension, review, or collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/2023 Balance : {$450.00} No. of Months ( terms ) : 1 High Credit : {$690.00} Credit Limit : {$0.00} Past Due : {$450.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/2023 Comments : Customer disputed account - reported by subscriber. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER Date Last Active : XX/XX/2023 Date of Last Payment : XX/XX/2023 Per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports. I have personally observed this entry and can confirm that it is both erroneous and adversely affecting my credit profile. Consequently, I insist on its immediate removal from my credit report to rectify the damage it has caused to my financial standing. 

I kindly urge you to undertake a thorough investigation to validate the accuracy of this information with the creditor. Should it be verified as inaccurate or unverifiable, I request its swift removal from my credit report. 

Under the FCRA, I understand that you are required to complete this investigation within 30 days and provide a response to my request. Therefore, I kindly request that you expedite this process as much as possible to alleviate the adverse impact on my credit. 

Furthermore, I request that you acknowledge receipt of this dispute letter within 10 business days and provide me with a case or reference number for tracking purposes. 

Thank you for your prompt attention to this matter. I am dedicated to resolving this dispute in a timely and cooperative manner and sincerely appreciate your assistance in helping to maintain the accuracy of my credit report.
Consumer complaint received 2023-11-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC (NV)

Since late 2022 I have asked Shellpoint Mortgage several times for copies of my home modification paperwork. I have not received any paperwork. This last time, about a week ago, I asked they certify by mail, copies of the paperwork. I still have not received this. I need this to refinance my home with XXXXXXXX XXXX. Time is now of the essence as Shellpoint has had a year to get paperwork to me, but it has yet to arrive.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MS)

I am a federally protected consumer and on XX/XX/XXXX XXXX I sent a certified letter to Exquifax to dispute inaccurate information on my consumer report ( see letter attached ). I requested XXXX to provide me with the following information : 1. The name of the courthouse with which you verified the information.

2. The name of the person you spoke with at the courthouse.

3. The courthouse address.

4. What documentation you obtained to verify the bankruptcy. 

As of today XX/XX/, I have yet to receive a response from Equifax. The bankruptcy courts do not report to the credit bureau as per their official website ( see attachment ). XXXX XXXX is reporting is hearsay because they never contacted me to verify any information that is being reported on my consumer report. I would like to know where Equifax obtained their information if the bankruptcy court does not report to the credit bureaus. Exquifax, as a consumer reporting agency have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 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.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I noticed today that there was an hard inquiry on my credit report from XXXX XXXX. I have asked XXXX XXXX and equifax to remove it which they have not as of yet but XXXX has. I did not authorize this inquiry nor will I decide to have a XXXX XXXX or any line of credit with XXXX XXXX. Ive also had to put credit freeze on my accounts with each bureau.
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: REGIONS FINANCIAL CORPORATION (TN)

On Friday, XX/XX/XXXX, I thought I got a job as a XXXX XXXX I carefully researched the company and everything. I deposited a check to my checking account through the mobile app for {$3500.00}. I went the next day and made a purchase for {$3000.00} from the XXXX XXXX because the check had cleared the bank in my account. On Monday, I deposited another check from the same person for {$2500.00}. Something didn't sit right with me and I notified the company and asked if this person was an employee and they said no. I realized then I had been scammed and I called the police to file a report. On Tuesday, XX/XX/XXXX, I went to my local branch at Regions to tell them I thought those 2 checks were fraud and what could I do to get my money back. The gentleman there said they had cleared my account so nothing could be done yet. He did file a claim to appeal and try and get my money back for {$3000.00}, but I have yet to hear anything from that. The next day, the {$3500.00} check did come back out of my account so I went up to the branch at Regions in XXXX, TN, and spoke with the assistant manager. This was after calling the XXXX  number and them instructing me to go to the branch so they could help with fraud. The assistant manager was horrible and basically said there was nothing they could do because I deposited the check and spent the money. It has been days and I can't get any help from Regions even though, everyone I speak to says they should be helping me. Now, my account is locked and I don't even know what has cleared and what isn't. 
I do know that right before my account was locked, the other check for {$2500.00} was also coming back out of my account.
Consumer complaint received 2023-11-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (MN)

The Case number of the original complaint : XXXX We would like to follow up with the original complaint, After PHH mortgage agree to rescinding the foreclosure of the Sheriff 's sale, we are still waiting for the PHH mortgage to change the status of our home to loss Mitigation, We requested that PHH mortgage follow through and help us find the solutions.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX ====================================== UNAUTHORIZED INQUIRIES PLEASE DELETE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX =================================== 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Bankruptcy Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (TX)

vehicle was totaled XX/XX/2023 was paid off by XXXX  and primary insurances company 's I continue to get letters saying XXXX due so we pay it and the decline the payment then send me numerous emails and letters saying the car in paid in full And title is released. Then today I get a bill saying due by XX/XX/XXXX XXXX due again as they are continually charging me. Th XXXX XXXX dealership even tried to make the payment I am tired of weekly calling Ally auto to get this corrected and now they are reporting the amount to the credit bureau
Consumer complaint received 2023-11-06
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: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (UT)

I consolidated my loans from XXXX to Nelnet when the payment pause ended. The total amount was {$200000.00}. They had the best interest rate option and payment for repayment - and the best reviews I could find for customer service ( unfortunately that was a XXXX error because all I'm seeing now is how awful Nelnet is ). I received an email from Nelnet that the loan was approved and asked me to log in and create an account- so I did. When I logged in the SAME DAY my loan was approved, the balance was {$170000.00} HIGHER at {$390000.00} with my payment TWICE as high as it was supposed to be! 

So - I called Nelnet. I sat on hold for 2 hours and 10 minutes before someone answered ( all while trying to contact them through social media which they have their messaging turned off ). When the lady answered, I told her what happened and she quickly spoke saying, 'that 's an error on the site, it will be fixed, that's wrong - keep logging in and it should change ''. I asked if there were a timeline when it would be updated and she didn't have one - but she did say " you have a long time before your first payment, if it's not fixed by then, we can look at different repayment options or consolidation options ... '' My first payment is due in XXXX ( one month ). That's not a long time. Also - I'm acquiring interest on almost {$400000.00} of debt I don't owe! 

Then - a week letter I received my congratulations consolidation letter with the correct amount on it. It states : " Congratulations! Your Direct Consolidation Loan was completed ( originated ) on XX/XX/2023 with a current balance of {$200000.00}. 

So - I just logged into my account and the information is STILL wrong! It still has my payment at {$2300.00} with a loan balance over {$390000.00} AND {$700.00} of acquired interest SINCE THIS BEGAN! 

Now I've been on hold for 41 minutes with an *expected* wait time of 90 minutes- and trying to find other options to move this loan. Going with Nelnet was a MASSIVE mistake!!!
Consumer complaint received 2023-11-06
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: Experian Information Solutions Inc. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2015-09-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (MS)

We were having financial problems and applied for a loan modification with US Bank. The application was processed, but I failed to list a few expenses, so was told by a representative to resubmit. I resubmitted, but was then told I was approved for a repayment plan, which over doubled the payment, and could not reapply until the prior one was closed. I advised I only did what I was told. I ended up having to submit an application approximately XXXX times and each time was told the file was incomplete and closed, yet when I asked what was needed, was told nothing. I had submitted everything necessary. The process took over a year to finally get a result. The last time I resubmitted, the file was denied for rental income on a property that was not listed on my application, nor was referenced with my credit file. I advised this is not my property and there is no rental income. The file was denied, yet again. I spoke with my contact person, who confirmed it had been closed and for a wrong reason. She had also advised them this property was not mine. I emailed the president of US Bank at that time. The following day I receive a call advising to reapply. I told the individual I refused to reapply for the XXXX time, and the error was on their part. He resubmitted the file as it was, and it was then approved. The length of the process cost me excessive attorney fees due to a foreclosure process. I completed the trial plan, and also the modification. A partial claim was filed, which resulted in all the fees and arrearage being rolled into another mortgage. A few months ago, I made a payment over the phone, which the associate from US Bank input the information incorrectly. Results, the payment returned for an incorrect account number. The call for the payment was reviewed, and confirmed the bank made the error, again. Today, I still have a charge on the account for the returned item from the bank error. I have spoken with several people regarding this fee, to only be advised they do not know if they can remove it or not. I explained the fee was not due to my error or returned check, but due to the bank 's error. Still, they would not remove the fee. I have since advised the bank not to call my cell phone, but I still get calls at various times of the day and at times, 2-3 times a day through their dialer. I answer when the calls are received, only to have the bank hang up. Over the life of the loan, I have had the bank refuse my payments when XXXX was due, hang up on me when asking to speak with a supervisor, provide poor service on my account, and now charge me additional fees for their mistake. The end result will be I will lose the home due to these problems.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (NY)

Caine and Weiner, a collection agency refuses to remove {$240.00} from my credit report supposedly incurred in XXXX of XXXX from XXXX auto insurance. I never purchased any insurance from XXXX because I was perfectly insured by XXXX during the time they are charging me. XXXX has never communicated with me about the charge and neither did the XXXX and XXXX. When I noticed the charge on my credit report, I contacted XXXX and the charge was removed, now the charge is back on my credit report. This is totally insane.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: T.S. Holdings (NY)

There are various different false collections and auto loans that happen to be appearing onto my credit report and I would like to get them removed... There is XXXX from XXXX XXXX XXXX that was opened XX/XX/2020 that I was not aware of until just recently when I tried to acquire things with credit and saw that my score had dropped tremendously throughout the past few month with out me noticing because I was trying to build it and not spend any credit for the time being as I saved for a home. It turns out the XXXX was repossessed from whoever was the owner but for some reason my credit and consumer report were attacked. I had my information breached onto the XXXX XXXX a few years back but I had no clue it could get this serious. There is also a collection from XXXX XXXX XXXX and the original creditor is XXXX XXXX XXXX XXXX XXXX  which I would assume is an apartment complex. Thing is i've never lived in this complex it seems like maybe my information may have been falsely used. When i call the complex to ask about proof of Me being the person who signed ( knowing that i wasnt ) they never send me any documentation saying that I was the one who signed a contract ... because I didnt.. I would really like to get both of these removed from my credit and consumer report as its been hindering me from finally getting the home i was ready to put a down payment on and various other things that require credit.