davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (PA)

I ' ve reached out to LexisNexis regarding information on my consumer report to be removed. They claim it's valid. I don't understand why addressees are on my report and I've never lived there. I don't understand why different variations of my name is on there. I spell my name one way because another entity refer to me as another it should not be made part of my profile. If I never lived somewhere it should not be a part of my profile. I pay extra for another Layer of privacy, not listed non published yet LexisNexis has my phone number as part of profile. My cell number is private they also have that as part of my profile. I don't understand why my childhood resident is relevant to my profile. I've lived at the same place for 23 years why where I lived when I was XXXX relevant to my profile.
Consumer complaint received 2023-04-17
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. (PA)

EQUIFAX is obligated by FCRA to report accurate accounting. Consumer has advised ALL ACCOUNTS AND INQUIRES reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting Equifax to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is NOT asking for an e-oscar report. if EQUIFAX does not have documentation to show these were in fact authorized it must be removed ASAP. SAID company is liable under the SEC to follow certain rules. EQUIFAX commission file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  i will be filing form 211 treasury omb forms to audit consumers account. EQUIFAX is securitizing consumer data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT
Consumer complaint received 2017-12-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (VA)

The reason for filling this complaint is that I have not been able to reach a settlement with XXXX XXXX XXXX or Navient on a student loan debt originally accrued from XXXX. 

Original Loan Amount and dates :XX/XX/XXXX {XXXX} XX/XX/XXXX {XXXX} Total : XXXX XX/XX/XXXX I received a letter from the XXXX XXXX XXXX ( XXXX ) stating that they had contacted my employer for an ORDER OF WITHHOLDING FROM EARNINGS ( see attached document CFPB_GarnishmentLtr_2-16pg1 ). I spoke with a XXXX representative and attempted get clarification on the amount of the depth. I did not receive any assistance. 

XX/XX/XXXX XXXX Began garnishing my wages. I retained the services of XXXX XXXX XXXX XXXX XXXX XXXX ( see attached document CFPB_LawyerLtr316001 ) to negotiate on my behalf. 
XXXX XXXX sent the request on my behalf ( see attached document P16-742_Navient_XX/XX/XXXX ) I also attempted to contact my Employers XXXX XXXX XXXX Payroll office to inform them the amount of the garnishment taken from my pay is larger than the Public Law 102-104 ; U.S.C. 1095 ( a ) allows. No one from the corporate payroll has made any effort to return my request. 

Currently XX/XX/XXXX My biweekly wages have been garnished for a total of {XXXX} ( {XXXX} for XXXX and {XXXX} for XXXX as of : the current date ), at a rate of 25 % per pay period ( see pay stubs date for XXXX and XX/XX/XXXX. This is higher than the amount of 15 % that is allowed under the law. 
My lawyer XXXX XXXX has not received any correspondence from the XXXX, XXXX XXXX or Navient on the original request. I have not been able to reach a settlement or received any statements on the current balance of the depth. 
I have suffered from significant family medical expenses and this garnishment has caused me significant XXXX. I am now to the point that I am unable to keep up with my household expense. I am head of Household and the Sole income for my family. I am no longer able to adequately take care of my family. 
I am at the end of all options and I am asking for assistance in this matter.
Consumer complaint received 2023-04-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (UNITED STATES MINOR OUTLYING ISLANDS)

XXXX XXXX Freedom Mortgage offered a 3 month forbearance due to hurricane Ian. XXXX ID # XXXX told us we would not have any late fees or credit damage. The peroid would be from XXXX to XX/XX/XXXX. We said we would think about it. On XXXX XXXX we called and spoke to XXXX ID # XXXX. We asked several questions about the payback options. She offered us 1. loan modification 2. repayment plan 3-12 months 3. deferment program We specifically said we wanted the deferment plan and she told us once in loss medigation we could ask for that option. 
We were never told we would need to fill out a package and have anything turned in by XX/XX/XXXX. 
I never received a package or any papers to fill out. 
On XX/XX/XXXX I called freedom to ask how to begin making payments again. I spoke to XXXX. That is when I found out I was suppose to have filled out a package by XX/XX/XXXX. I requested the package and on XX/XX/XXXX I downloaded all the paperwork. From XX/XX/XXXX until XX/XX/XXXX Freedom has played games with us. Every time I turned in the papers they would tell me something was missing. I would turn in that paper work and then they would tell me something expired. In XXXX I was told all paperwork had expired and I would need to resubmit the whole package again. 
In XXXX, they reported us late to the credit companies and My credit score dropped to XXXX. I had excellent credit until this point. 
I re submitted the package again and was told it would go to loss medigation and we would have an answer by XX/XX/XXXX. 
At this time I was told that the VA was not even offering the derferment program anymore.They stopped in XX/XX/XXXX. I then requested the phone calls from XXXX be investigated. I requested several times to be called back by supervisors and never were. THe phone calls were never investigated. 
I had to take the money out of my IRA to pay the balance so our home didn't go to the foreclosure. We also had to hire an attorney to write a letter to request our account to be take out of loss medigation. 
On XX/XX/XXXX I paid {$13000.00} to being my account current and avoid foreclosure.
Consumer complaint received 2023-04-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

Last year, I received medical treatment on XX/XX/XXXX and XX/XX/XXXX. I paid a bill for approximately {$2700.00}. Later, I received additional bills for about {$2300.00}, and taken together all of these bills exceeded my deductible. I called my insurance company and learned that the {$2700.00} bill was never submitted to insurance, so it should not have been sent to me. The insurance company called the provider, who said they would re-submit the bills and correct the totals. I also contacted the provider, which confirmed to me in writing that the bill was not submitted to insurance and that it is working with insurance to resolve the issue. 
Although this issue is still not resolved, I received a letter from a debt collection company called HRRG. I responded in writing that the debt was not owed because of the provider 's mistake, which was in the process of being resolved. I also provided copies of the provider 's written response to me confirming the mistake. Despite providing this evidence, I have received telephone calls and voicemails from HRRG two days in a row now, from two different numbers- ( XXXX XXXX XXXX and ( XXXX XXXX XXXX. At the very least, I would have expected HRRG to confirm the information with the provider, given that I had provided the written statements. Apparently it has not, and instead has chosen to harass me with repeated phone calls over a debt that I do not owe.
Consumer complaint received 2023-04-17
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. (NJ)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OR)

I had a loan for a vehicle that went to my ex wife. She chose not to pay the loan so I was in contact with XXXX XXXX XXXX XXXX that had the loan and gave them the location of the vehicle so they could repo the vehicle. I did n't want the vehicle and they said they would sell it and I could pay the difference off. I agreed and payed the vehicle off on XXXX XXXX XXXX. I went to buy a house XXXX of XXXX and noticed it did n't say paid in full. I asked them to please state this on my credit report. They did but put it as paid in full on XXXX of XXXX, not XXXX XXXX. Now I have to live with this on my credit report for another 7 years or maybe 10 years until it drops off my credit. They wo n't help with this. I would like to dispute this reporting so I can get my credit where it belongs.
Consumer complaint received 2023-04-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (CA)

Good Morning..my dears at Consumer Financial Protection Bureau.. greeting XXXX I'm the beneficiary of the judgement at the Superior Court XXXX XXXXXXXX XXXX XXXX XXXX State of Arizona XXXX XXXX Due since XXXX XXXX, on XX/XX/XXXXXXXX  I notified ( SANTANDER Consumer USA ) customer Service That they need to send me Title my vehicle CA license Plate No. XXXX, since It has been paid off, also They need to pay me the rest of my judgement XXXX or I will Put liens hold on their banks Branches and subsidiaries.. 
Please inform CEO of SANTANDER Consumer USA And have them to send me My vehicle title CA XXXXthank you
Consumer complaint received 2023-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NV)

I called XXXX to set up a payment plan after finding out that XXXX would only be giving me a credit with their account and not sending me the money to pay off my XXXX account ( I was told the promotion I was supposed to get with XXXX was not authorized and that's why it took a few months ). XXXX agreed and said as long as I paid it, I wouldn't be sent to collections. I'm a XXXX veteran and single mom and had just moved so I didn't have much money. I paid XXXX in XXXX, {$300.00} XX/XX/XXXX and XXXX XX/XX/XXXX. They then reported me to the credit bureaus and my credit dropped over 80 points. I tried calling them repeatedly and they just kept saying they couldn't help me and I needed to call IC systems ( the collection agency ). I then filed disputes with the credit bureaus and filed with the XXXX. Yesterday I received an email from XXXX with executive corporate offices of XXXX. He said my debt was valid and that I needed to call IC systems. I responded to him with proof and to the case worker with XXXX because she also sent me his response. This is illegal, and inaccurate. I do not owe them anything and this has been paid.
Consumer complaint received 2023-04-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XXXX XX/XX/2023 an unauthorized charge was made to my Bank of America checking account thru XXXX by a merchant I do not recognize and have never done any business with in the past. 

The amount charged was {$290.00}. 

On XXXX XX/XX/2023 I contacted Bank of Americas fraud department to make the complaint of unauthorized use of my card and they promptly gave me a temporary credit of {$290.00} on XXXX XX/XX/2023. 

However on XXXX XX/XX/2023, Bank of America reversed the charge and debited my account for {$290.00}, claiming that they came to the conclusion that the initial charge made by the merchant in the amount of {$290.00} on XXXX XX/XX/2023 was legitimate. 

They have provided absolutely no proof in any shape, way, or form that the charge was legitimate, and I have absolutely no recollection of ever doing any form of business with the merchant in question. 

I have been banking with Bank of America for two decades and this sort of treatment is totally unacceptable. 

I want to reiterate that this was a fraudulent charge and I did not authorize the payment of {$290.00} on XXXX XX/XX/2023. I also do not recognize the merchant. 

Im formally making this complaint today to demand that Bank of America fixes this mistake and returns me my money. I feel that I am being abused by both the unauthorized merchant and Bank of America and this is totally unacceptable.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to get the credit bureaus to remove inaccurate information on my credit profile and they have sent me continuous stall letters each time I request, and nothing is being done. I have sent them proof of who I am each time using my ID and a current bill and they are still telling me that I am not who I say I am.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I sent your company a letter disputing account number XXXX with XXXXXXXX XXXX on XX/XX/. I received a response from you dated XX/XX/XXXX  where you stated that the item had been deleted. Please see copy of both letters enclosed. After reviewing my credit report again, I have noticed that the item has been reinserted. It is my understanding that deleted item can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy. 
The Fair Credit Reporting Act also states that if for any reason a deleted item is reinserted into the credit file, the credit bureau is to notify the consumer in writing within 5 days of reinsertion. I do not recall receiving such notification, therefore you violated the FCRA. 
I am willing to give you more time to furnish this information to me before I pursue filing a complaint against your company for the above mentioned FCRA violation. Please forward to me : The name, address, and telephone number ( if available ) of the furnishers of the information confirming its accuracy. 
Documentation stating that the item has been reinserted and the date of reinsertion. 
Documentation stating that, as a consumer, I continue to have the right to add a status of disputed by consumer to the item. 

XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XX/XX/2023 Hello Transunion, XXXX, and XXXX, I disputed XXXX XXXX, XXXX XXXX on XX/XX/2023 and everything came back verified. 

How is that possible when the date opened is incorrect for both accounts, and the account status is also incorrect on both accounts they are supposed to be closed. 

Can you send me the description of the investigation according to 15 USC 1681i ( 7 ) no later than 15 days. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-04-14
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. FLAGSHIP CREDIT ACCEPTAN Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-14
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. (GA)

This is my 10th 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 A XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : ) XXXX Balance : {$1600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2023-04-14
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. (MI)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX : {$110.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$400.00} ; XXXX XXXX  XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  ) XXXX : {$530.00} ; XXXX XXXX Balance : {$71.00} ; XXXX XXXX Bankruptcy Date XXXX : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-04-14
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. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-17
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. (CT)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.