davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
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. (MS)

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 Federal Trade Commission Committee 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 Verifiable Proof ( an original Consumer Contract 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 2017-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Armcon Corp (TX)

I discovered an account listed on my credit report for {$2200.00} on XX/XX/XXXX. I proceeded to dispute the trade line with the collection agency via FDCPA dispute letter dated XX/XX/XXXX. They have not responded to my dispute letter. I have submitted dispute reports to both credit bureaus as well. I have notified the Attorney General of the State of Texas as well, as they operating illegally in regard to the Texas Debt Collection Act. They do not carry a bond and are not registered with the Secretary of State or Texas Comptroller. They do not have a registered agent in Texas for service of process.
Consumer complaint received 2024-09-20
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. (NC)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} LMMINC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

i already sent all my information around 2 months ago, driver licence, ssn bill, i called them around 2 times i sent by the system my documentation. and nothing i can get my report, i try to buy a house and the bank can get my credit report. please i need help
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX and followed up on XX/XX/XXXX. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction. 
XXXXmmediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries. 
2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions.
Consumer complaint received 2017-05-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (TN)

My co-signer passed away from  XXXX . I gave the information to  Navient,  the collector stated there was nothing he could do to help me. I am   XXXX   XXXX   XXXX   and not working. The collector told me again there was nothing I could do ... surely there are options for deaths and life circumstances.
Consumer complaint received 2024-09-20
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. (CA)

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 2017-08-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (FL)

Please help me. I have tried for over 6 months to get a modification with Ditech and was finally told they had everything they needed two days later I got a denial letter stating they were n't approving my modification because my hardship was n't temporary. Sir I had a hardship last year that is now resolved and i have the ability to maintain this mortgage. I have the past due funds for ditech and they agreed few months back to take them but started foreclosure and now there are attorney fees. I have had to hire an attorney now myself and this money could be applied to my mortgage, I have a very small past due amount at this time with ditech and I have appealed the denial letter in a timely fashion. I have done everything asked and I still need help getting this issues resolved before mediation in XX/XX/XXXX.
Consumer complaint received 2017-08-29
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. (GA)

I have disputed incorrectinformationon my credit file from XXXX XXXX XXXX. this company is reporting an account that I 'm not aware of from XXXX which is claimed to have been openedby my ex wife. It is being reportedon my file as a duplicate account. I disputed with the creditor as well as the credit bureaus but has failed be removed. Because I have n't heard fromXXXX XXXX XXXX and it 's been over XXXX days I disputed with CFPB whom response was that XXXX XXXX XXXX did NOT respond to them as well. Now I have decided to add in the credit bureau to get my file corrected
Consumer complaint received 2017-08-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NH)

Coinbase requires a link in a verification email to be opened in order to login, however I had lost access to that email and as such I have lost access to my Coinbase account. I am not able to access my {$37000.00} balance or maintain security of my account. I did some research on how to regain access to the account, and followed their instructions pertaining to this particular scenario. Then, I contacted their support via e-mail on X/XX/17 to initiate a Coinbase Account Reset Process. As of today, there has been no response by a human to my case.
Consumer complaint received 2016-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (PA)

XX/XX/2015 I applied for and was granted a modification of my Mortgage with my lender Nation Star Mortgage. XX/XX/2015 I started my 3 trail Payments of {$880.00} for the three months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all of which were paid ahead of the scheduled time for the payments to be made. On XXXX XXXX 2015 ( I believe to be the accurate date ) I received notification that all of the trail payments were successfully applied and that my new modification payments of {$820.00} would start on the XX/XX/XXXX, I then made XX/XX/XXXX payment in advance and sent it in by XXXX XXXX to be applied for XX/XX/XXXX 's payment. However on XXXX XXXX I received notice that XX/XX/XXXX 's payment had not been made I immediately contacted Nation Stars customer service center to find out why they had not processed my XX/XX/XXXX payment. The response I got back was that we did not successfully complete the trail payment program to which I promptly stated that this was not accurate and produced the documentation to prove it. Nation star then informed me that they would begin an investigation and would contact me within 5 -10 business days with their findings, which they never return my repeated calls to them after the time limit for them to respond had expired. At that point I began to put the Mortgage Payments into escrow and informed them that I needed to know whether or not to send the payments to which they responded no because they would be placed in a hold until they completed their investigation. On XXXX XXXX I contacted Nation Star Mortgage again and inquired of them as to when there investigation would be done the receptionist on the line stated to me that there had not been and investigation initiated to which I responded that it should have begun XX/XX/XXXX and she stated again that there was no such investigation initiated. I the asked her to find out what happen and she said that after looking at the notes on her screen that there appears to be and inquiry of when you called and asked for the investigation by nothing was ever put in, to which she then stated that she would put the paperwork in. On XXXX XXXX I received an act XXXX stating that Nation Star Mortgage was initiating fore closer proceeding against me. I then went to see the people at American credit counseling agency and they informed me to file this compliant with you. I am hopeful that you can offer some assistance I currently still have in escrow three payments of {$820.00} totaling {$2400.00} and will continue to place my mortgage payments into this escrow.
Consumer complaint received 2017-08-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PNC Bank N.A. (CA)

Received call at work from " XXXX XXXX '' at XXXX XXXX  XXXX, XXXX, also known as The XXXX XXXX, claiming they would take me to court for " malicious intent to defraud a financial institution '' and " breach of legally binding contract. '' I contacted the original debtor and they have no record of me owing them money. I have paid all my debts and have a good credit score.
Consumer complaint received 2017-08-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

InXX/XX/XXXX, we took out a Home Equity loan with Santander bank. They offer an introductory rate of 2.24 for XXXX  months. Our intent was to pay down as much of our HELOC during the XXXX months, the account was setup to automatically take out the minimum payment. Which we were fine with to ensure we do n't miss any payments, we tried multiple times to pay additional funds towards principal online and could not figure out the system on the HELOC page there is no place to make a payment or set up additional principal payments. We first contacted the branch they sent us to customer we had to make XXXX calls to customer service in the span of a few months before someone told us the only way to make a payment was to actually transfer money from our checking into the HELOC account. I can not make payments from other accounts, nor can I set this up to pay more than just the minimum. As a consumer I am upset that this feels like they are making it difficult for me to pay down the principal during a promotional rate. The amount of people and phone calls I had to make to figure out the piece about transferring the funds was unbelievable most people would 've just stopped as they made it very difficult to get an answer. When I contacted I told them I would not get off the phone until they could tell me how to make additional payments I had to tell them that this should be illegal, finally the customer service rep had to contact a few departments to get the answer about transferring funds. 

I normally do not contact agencies like this to make complaints but I believe this should be investigated, if they are doing this to me - I consider myself a fairly knowledgeable person with lots of computer experience I ca n't imagine what has happened to others. 

Thank you.
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

XX/XX/XXXX Payment was late, and was reported to credit agencies. 
- I wrote to XXXX about this. Unfortunately, I was out of the Country. The auto payment was canceled because of a fraud warning from my bank. When I returned I made all payments necessary. This was the only time I was late and when I spoke with customer service they said the notice of being late was returned via mail. As this was the first time their policy stated that If I wrote in to this group the late notice would be dropped. It was not. 
XX/XX/XXXX Collection/charge off - This is possible the MOST frustrating event of all. Another driver struck my vehicle and totaled it. The insurance company paid for nearly all of the remaining balance. The unpaid off amount was suppose to be paid by the GAP insurance I had purchased, however they were dragging their feet. I had placed several calls to XXXX  letting them know where we were in the process and CONTINUED making my monthly payments so that I would not receive a late charge. During one of the calls I made to XXXX I was told that payments would not help the total needed to be paid. I asked for two weeks to either get GAP to make a payment or I would. Despite XXXX saying that I would be fine to wait two weeks they reported this to the credit agency. I made a full payment om XX/XX/XXXX in the amount of {$2300.00} with a confirmation number of XXXX. Gap insurance has also made a payment since then. I have not been reimbursed for anything and at last check XXXX says I still owe money.
Consumer complaint received 2018-04-06
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: BARCLAYS BANK DELAWARE (FL)

Hello, My identity was stolen and I've been trying to fix it by talking to the company and credit bureaus with no assistance. XXXX  is fraud, and so is the XXXX XXXX account. If someone could please help remove these fraudulent item from my account that'd be greatly appreciated. This has brought my life to shambles.
Consumer complaint received 2017-08-28
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: EQUIFAX, INC. (AL)

I accessed my personal credit file from the individual Credit Reporting Agency 's and noticed that there were several ( 25-35 ) unauthorized credit inquiries on my report. I contacted Equifax directly and spoke with 3 different representatives and  explained that my credit file was accessed 3 times in one day by a company and 5 times within 8 months by another. I advised them that my credit file was being abused and they kept stating that it was a factual representation of my file. I went over each inquiry with the representatives one by one and let them know which inquiries i authorized and for what occasion, and they refused to remove or investigate the inquiries. I was in fact told by the representative ( supervisor on duty XXXX ) that they do not investigate inquiries and in fact the ability to dispute them online or even by sending in a motion to investigate the inquiries via mail, are pointless and will not be investigated because " it is a factual representation of the consumers credit file ''. This is hard to believe when I, as the consumer, openly stated which inquiries i authorized and which ones i did not! As stated by FCRA rules all disputes must be investigated. Equifax is failing to comply with FCRA laws and regulations. The inquiries in dispute are listed with their corresponding dates : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX # XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX :XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX :XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX :XX/XX/XXXX ( not a typo twice in one day ) XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX :XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX :XX/XX/XXXX ( yes they accessed it 3 times in one day ... you now see my point ) XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX As you can see from the inquiries listed  above, there has been misuse of my credit file and the representatives of Equifax refuse to handle the situation promptly, instead they state that inquiries will not be investigated, which directly goes against FCRA laws and regulations. FCRA section 623 ( b ) ( 2 ) and 611 ( a ) ( 1 )
Consumer complaint received 2017-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WI)

Good Evening, On XXXX FedLoan Servicing granted me an administrative forbearance for my IDR ( Income-Base ) Repayment plan because they have failed to process my documents in a timely manner. My annual repayment plan is configured and renewed every XXXX for the following year. Unfortunately because they put an administrative forbearance on my account, they financially made a monetary error by capitalizing my interest which should have never happened in the first place! 

I have sent all of my paperwork in a timely manner since XXXX/XXXX/XXXX. The correct amount before interest was capitalized was a balance of {$29000.00}. The incorrect balance that my student loans is currently at is {$32000.00}. The amount of interest that should not have been capitalized at this time frame is {$2600.00}! I still have 18 years to go on my consolidated student loan plan before interest is capitalized and my loans are forgiven! 

Now that FedLoan Servicing has an administrative forbearance on my account each month will not count as a payment towards the 18 years left that I still have on my plan. This is unacceptable and the correction should be made in a timely manner! Please respond to this problem. I greatly appreciate your time and effort in reading my problem with FedLoan Servicing. 

Thank You, XXXX XXXX
Consumer complaint received 2024-09-20
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. (TX)

I request your assistance with the incorrect account being shown on my credit report. This situation has harmed my reputation, and I depend on your help. The improper management of my credit report has led to serious damage to my reputation. Please remove the incorrect details from my credit report promptly.
Consumer complaint received 2017-08-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (CA)

I spoke to a customer service representative over the phone ( recorded conversation ) regarding a medical bill I had for ~ {$700.00}. She told me that once I paid them, they actually offered me a settlement amount, they would update the debt as being reconciled and have the collection item removed from my credit. Upon me paying them, I believe on XX/XX/2017, I received updates from the credit bureaus stating that the collection item is open the very next day. I receive credit report update alerts. 

I called to follow up with them to have this problem fixed, and they are n't honoring what they told me. 

I just want the company to update my credit report per our agreement.
Consumer complaint received 2017-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/XXXX my father was going to pay off my credit card as a birthday present.when he logged into my online account to make the payment. He accidentally made it from my old bank account instead of his. I made several attempts to have this account removed from my log in but was told it had to stay on file.when I realized what happened I called in that same day on the XXXX to reverse the payment. The associate I talked to told me it was no need to reverse the payment. She told me when the payment was returned just have him make another payment. The payment was n't returned in till the XX/XX/XXXX I called in today to make the right payment and was told my account was closed because if the initial returned payment. When I spoke with a supervisor today on the XX/XX/XXXX I  was told there was nothing they could do to reopen my account. I would have to just reapply. This issue is not only going to negatively effect my credit it was bring my score down even more when I reapply. Which is ridiculous the original associate from the XXXX should have reversed the payment like I requested instead of telling me not to worry about about. I have had this account for almost two years I have never been late or missed a payment and now its closed due yo an associate misinforming information and not doing what I requested