davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, 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 Equifax, XXXX  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 Equifax 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. The accounts Im speaking of are XXXX XXXX, XXXX XXXX, and Chapter 7 Bankruptcy.
Consumer complaint received 2019-06-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

The Citi Offer Open a new account in The Citibank Account Package and earn {$400.00} with a qualifying deposit : Open your account by XX/XX/XXXX Deposit {$15000.00} in new funds ( not currently with Citi ) into your checking account within 30 days. 
Maintain the {$15000.00} balance for 30 consecutive days following the deposit XX/XX/XXXX I initiated the account opening process. I chose the on-line funding option. 
I provided my account information in XXXX XXXXXXXX XXXX and my authorization to withdraw {$15000.00} from it to Citi to meet the required deposit. The fund was available in XXXX XXXX XXXX. There was no account number provided to me during the account opening process. 

XX/XX/XXXX Citi Email indicated that I was not an account holder and could not use the account. I responded the email accordingly. There was no account number provided. Attachment XXXX. 

XX/XX/XXXX The fund of {$15000.00} was taken out from my XXXX XXXX  XXXX account by a draft issued by Citi according to the XXXX XXXX  XXXX account record. 
Attachment XXXX, XX/XX/XXXX Citi Email indicated that Account application was approved. Attachment XXXX. 

The checking account was kept in good standing from XX/XX/XXXX to XX/XX/XXXX without getting any bonus or interest.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Account number : XXXX ( XXXX  ) Date opened : XXXX, XXXX, 2022 Last payment date : XXXX, XXXX, XXXX  No payment was late on this account. I have tried to get it updated multiple times, but the company XXXX, or the credit companies will not do anything. I have tried to dispute this multiple times and even sent a letter in the mail. No response. 
XXXX5 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 an account without my written instructions.
Consumer complaint received 2019-05-25
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. (CT)

The following inquiries shows up on my credit which i have no Knowledge of. i've made numerous attempts to let these companies Know that these inquiries are do to fraudulent use of my personal information and that i am a victim of identity theft. 

XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/2019 I had a XXXX XXXX credit card issued by Chase Bank. I was charged the annual fee of XXXX dollars. I paid this amount. About 10 days later my account was frozen and then chase decided to close my account. I believe they committed fraud as my credit history couldn't have gone from giving me a credit limit of XXXX dollars to closing my account in less than 3 weeks. I would like a refund of the annual fee go towards my account balance or my account reopened.
Consumer complaint received 2019-05-26
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. (KY)

I am XXXX and was approved last year for Total and Permanent Discharge of my student loans. XXXX  has removed the loans from my credit report, but after disputing two times with TransUnion they state the loans are correct and due and will stay on the report. 

I have several student loans on my report this is the results of one of the disputes XXXX Reported on XX/XX/2010 {$5800.00} Item Results Result : Verified As Accurate - It looks like this item is actually correct and that it's going to stay on your credit report.
Consumer complaint received 2019-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hello, I hope this complaint finds you well. 

I was happy to resolve this pending issue with XXXX. 

However, on my XXXX credit report now it was recently added that Portfolio Recovery is seeking {$680.00} that has been already closed and paid. It is improperly showing a collections account from the original creditor XXXX XXXX. This account in particular has already been paid off and closed on my XXXX credit report, but still showing on my XXXX  report. Please find images backing this claim up attached to this message. 

I had initially sent this dispute to XXXX  along with a Debt Validation Letter to Portfolio Recovery on XX/XX/XXXX. The parcel was never responded to. 

Furthermore, I currently have a XXXX XXXX credit card as additional proof, and have been diligently paying this card for the past 8 months. Please help me resolve this issue with XXXX. 

Attached to this email you will find the Debt Validation letter I have sent Portfolio Recovery, along with my XXXX  report confirming that they have removed said Collections account from my report. 

Furthermore, you will find my XXXX Credit Report dated XX/XX/2019 which only shows 1 ( ONE ) collection account that was on my report. Please find all associated evidence that I have accumulated. 

To add further grievance, when I contacted Portfolio Recovery they refused to provided me any further information nor validation for said debt. 

The confirmation number for my XXXX  dispute is XXXX. 

I would sincerely appreciate any help that you could give me for this issue!
Consumer complaint received 2018-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Mr Cooper the loan servicer requires an escrow account for XXXX county property taxes. They are due in two installments. One in XX/XX/XXXX and one in XX/XX/XXXX of the next year. I am in the Calif Property Tax Postponerment program for low-income seniors and Calif pays these property taxes. They pay both installments in XX/XX/XXXX. But each year Mr Cooper pays the first one in XX/XX/XXXX even though I've repeatedly told them not to. So I have to get back the double payment from XXXX county which takes a lot of time and trouble. It is over {$3400.00} and I'm really not able to do without this much money. Furthermore Mr Cooper keeps me paying into escrow for the 2nd installment which has already been paid! 
I have repeatedly contacted Mr Cooper 's representative XXXX XXXX about this and he is absolutely unwilling to help. He has hard copies of the paid taxes from the county but refuses to credit them and does not respond to email or phone calls.
Consumer complaint received 2018-12-30
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. (IL)

I'm named as an authorized user on accounts that I have no knowledge of, and them accounts are as following 1 ) XXXX XXXX  2 ) XXXX XXXX XXXX, XXXX limit Please remove these accounts, thank you
Consumer complaint received 2018-12-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

I have repeatedly called Navient private loan Lender about my very large debt and large student loan payments that I cant afford after my chapter XXXX bankruptcy ended in XX/XX/XXXX of 2018. I received a letter in XXXX demanding repayment. I called an set up a smaller repayment plan in XXXX but I am still getting late notices and they keep trying to charge me for late charges and what is left over after the payment plan which I have explained to Navient reps over five times since XXXX. I am struggling to pay the lower amount which I have been told will end on XXXX. I cant even pay on my federal loans at this time because of the private loan debt. The reps are always rude and not helpful at all. I struggle to try and get any help from this Navient and there is always the looming threat that they are going to charge me the back due amount, since they have my bank account information. They are still holding my account in past due status even though I fulfilled the three month payment obligation earlier this month. Even with a payment plan I get email notices demanding I pay over {$1000.00} in late charges and past due amounts.
Consumer complaint received 2024-08-14
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. (NJ)

have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Consumer complaint received 2018-12-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc. (GA)

National Credit Systems , Inc., need to remove the {$1900.00} debt by a company that does not exist XXXX XXXX and neither was I notified of this debt by either party. I would like this item removed from my credit report immediately.
Consumer complaint received 2021-02-12
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: DISCOVER BANK (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX XXXX, XXXX XXXX, and Discover Financial. The Account Opened is XXXX XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$410.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2018-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

I have several monitoring companies alerting me to my credit report .I have duplicate accounts on my reports as well as someone from Navient going into my account when I have called about the accuracy of the late reporting on my accounts and changing information that has been reported incorrectly for the past several years below is an alert I received from a company monitoring my information this statement is listed several times through out my report, If the information was accurate why would someone have to go and change the information two years later. Confirm Negative Change in Payment History As of XX/XX/XXXX, there was a negative change in your payment history related to your Navient Student Loan. The period for your XX/XX/XXXX past due payment has increased. We recommend reviewing your payment history carefully Also after searching the the National Student loan data base, it does not state my loans were ever late states they were in forbearance but yet the information wasn't correctly reported in which caused an adverse reaction into the simplest living a normal every day life, the stress and undo hardships I had to face with inaccurate information reported to all credit reporting agencies
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

Recently, I was reviewing my Equifax credit report and noticed that there was incorrect information listed for my XXXX/XXXX account. I tried to file a dispute online, however I was not able to. I also called today and spoke with someone whom I could not understand. I tried explaining that the information posted was incorrect and she hung up on me. On XX/XX/XXXX, it shows the closing date of this account as XX/XX/XXXX however I have amother report from XX/XX/XXXX that shows the closing date as XX/XX/XXXX. This account was removed from my credit report and put back on in XX/XX/XXXX. 

There Is also a XXXXXXXX XXXX  account and a XXXX/XXXX account that are over 10 years old on my Equifax credit report. The Fair Reporting Credit Act states that credit reporting agencies must report correct and updated information. Equifax is changing information as well as reposting outdated information, which is against the law and affects my credit rating negatively.
Consumer complaint received 2018-12-30
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ditech Financial LLC (MO)

Late XXXX I applied for loss mitigation and in XXXX I received a letter saying my application was being processed ... On XX/XX/2018, I received a letter saying I am ineligible for loss mitigation, then on XX/XX/2018, I received a letter saying why I'm ineligible and the other dated XX/XX/2018 saying I had until XX/XX/2018 to decide if I would be doing a short sale, as noted this is now too late ... I then call Ditech, XX/XX/2018 and tell them everything listed above and ask how to stop for closure and they tell me to pay {$1200.00}, then next day XX/XX/2018, I sent a check for {$1500.00} to the Illinois p.o box, the check was signed by my father in-law, with a note that has my name and account information so there wouldn't be a mix up..I then called ditech and talked to XXXX extension XXXX , and he noted check was on the way ... so to my surprise I received a letter on XX/XX/2018 saying I for closure proceedings may happen if I don't dispute and so I'm disputing ...
Consumer complaint received 2018-10-09
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc. (AL)

Ok, SO! On XX/XX/XXXX I see 2 installment loans from the XXXX XXXXXXXX XXXX  XXXX : one in the amount of {$2500.00} and another in the amount of {$2500.00}. THESE WERE NOT OPENED BY ME and you can see how much just pure XXXX I've been put through ever since XXXX when my husband started using my SSN AND out children 's to file taxes. I've had SO much stuff on my accounts that I've had to fight until I just felt like giving up because I can't. The XXXX XXXX XXXX XXXX XXXX remarks are so rude. They're just like nope this is you and that stands. Ok WHY. WHY DOES IT STAND WHEN I NEVER APPLIED FOR THESE LOANS? LOOK at my history! I'm having a problem now with FOUR fraudulent hard inquires showing up on my credit report and Equifax can't even confirm my idenity with my OWN SSN, DOB, OR NAME. WHAT DO I HAVE TO DO TO MAKE THESE HEARTLESS, CRUEL AND UNCARING PEOPLE SEE THIS IS RUINING MY LIFE. I'M SO TIRED OF FIGHTING BUT I CAN'T GIVE UP BC I CAN'T EVEN GET A {$500.00} LOAN YET I'VE HAD AUTO LOANS AND PAYDAY LOANS AND STUDENT LOANS AND ALL KINDS OF EXCUSE MY FRENCH BUT XXXX GOING UNDER MY NAME! The proof is THERE!!! They just are too wrapped up in themselves to realize this is causing ME to suffer bc i can't even rent a decent place to live or build any kind of future for myself bc they are flat out REFUSING TO ADMIT THEY ARE WRONG!!!! PLEASE PLEASE SOMEBODY HELP ME. IT'S THE XXXX XXXXXXXX XXXX XXXX ... THEY DON'T CARE IF IT'S THE TRUTH OR NOT BC THEY DON'T CARE ABOUT US AS PEOPLE BC THEY ARE FUELED BY GREED AND SELFISHNESS. I WILL KEEP FILING AND KEEP FILING until somebody does something about this. I'm sorry I'm upset but enough is enough I'm tired if this!!!
Consumer complaint received 2018-10-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Total Card, Inc. (MD)

ON XX/XX/2018 I SEND A LETTER TO Total VISA XXXXXXXX XXXX XXXX XXXX XXXX, SD XXXX CRET MAIL. 

AND ASK THIS COMPANY ABOUT ACCOUNT # XXXX I WAS TOLD BY A WOMEN NAME XXXX WE HAVE NO RECORD OF THIS ACCOUNT AND WE COULD NOT HELP YOU .. 

I ASK HER CAN U LEAD ME TO WHO HAVE THIS ACCOUNT SHE TOLD SHE DON'T KNOW. 

I CALLED BACK ANOTHER TIME SAME DAY AT XXXX EST TALK WITH A GUT NAME XXXX GAVE HIM THE INFORMATION PROVIDE ABOVE. HE STATED THERE IS NOT ACCOUNT WITH THIS INFORMATION OR UR NAME ... 

I ASK HIM DID U GET THE LETTER I SEND OUT ON XX/XX/2018 HE STATED YES LIKE THE OTHER AGENT. AND THEY BOTH SAID THERE NO RECORD OF THIS ACCOUNT AND THEY CANT HELP ME ... ... 



Email us at XXXX NOTE : We advise you not to send us or ask for sensitive information such as account numbers, password, account information, etc. via any general or public e-mail system. 
Postal Address : Total VISA XXXX. XXXX XXXX XXXX XXXX, SD XXXX For questions about your application or to pay your processing fee, please call ( XXXX ) XXXX. 
To check your account balance, make a payment, or for other general customer service inquiries, please call ( XXXX ) XXXX.
Consumer complaint received 2024-08-14
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. (PA)

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B- permissible purposes of Consumer Reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these accounts listed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am demanding the deletion of the incorrect information listed IMMEDIATELY : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX PA, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX. I am demanding the deletion of the inquiries listed IMMEDIATELY : XXXX XXXXXXXX XXXX.
Consumer complaint received 2018-12-30
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Millsap & Singer, LLC (MO)

Late XXXX I applied for loss mitigation and in XXXX I received a letter saying my application was being processed ... On XX/XX/2018, I received a letter saying I am ineligible for loss mitigation, then on XX/XX/2018, I received a letter saying why I'm ineligible and the other dated XX/XX/2018 saying I had until XX/XX/2018 to decide if I would be doing a short sale, as noted this is now too late ... I then call XXXX, XX/XX/2018 and tell them everything listed above and ask how to stop for closure and they tell me to pay {$1200.00}, then next day XX/XX/2018, I sent a check for {$1500.00} to the Illinois p.o box, the check was signed by my father in-law, with a note that has my name and account information so there wouldn't be a mix up..I then called XXXX and talked to XXXX extension XXXX , and he noted check was on the way ... so to my surprise I received a letter on XX/XX/2018 saying I for closure proceedings may happen if I don't dispute and so I'm disputing ...