davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-24
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. (MS)

In   XXXX   in was subjected to fraud. I contacted my creditor ' ' s (   equifax,  XXXX  and  XXXX  ) to file a indentity theft and to get my accounts taking cared of. They did so in   XXXX   XXXX    XXXX  - {$470.00},   XXXX   XXXX  - {$1000.00}   XXXX   XXXX   {$580.00} and  XXXX   XXXX  {$810.00} was deleted off of my credit reports. In  XXXX  these  XXXX  acconuts were updated and added back to my account. I contacted the  XXXX , equifax and  XXXX  to explain to them these are not my accounts they never were. These accounts where made under fraudulent pretenses that I had no knowledge about. I stated these same accounts were deleted in   XXXX   due to myself being subjected to fraud.   XXXX   stated it was disputed before and verified and there is nothing they can do. They told me to file a complaint by the FTC regarding my accounts.  XXXX  and equifax stated they would submit another dispute, that 's was in   XXXX   XXXX   but nothing has been deleted. These accounts are still on my credit report and they do not belong to me. I demand these accounts be removed from all  XXXX  of my credit files so that these fraudulent accounts can stop hendring me from proceeding with my government job.   Thank you
Consumer complaint received 2021-11-29
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: Early Warning Services, LLC (FL)

You continue to ask me for information regarding this account when the law states that EarlyWarning must share documentation with me verifying the reporting of this account. Anyone or any company could put anything they desire on my consumer reports. Without proper verification, I can be responsible. 

According to Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). You must provide me ANY original documentation ( a consumer contract with my signature on it ) as required. You have violated this law. ( {$1000.00} fine ) According to the FCRA Section 611 ( a ) ( 7 ), Furthermore you have failed to provide the method of verification as required. Your company has violated this law. ( {$1000.00} fine ). 

Since you have not properly and lawfully verified this account. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.
Consumer complaint received 2019-01-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WI)

I have been having issues with Navient for a couple of years now. It gets old having to be paying one loan company then get switched to another. The school that I was attending was online and there is no way I can get information from them. It's like they don't exsist. I was doing good at repaying my loans then had some health issues that has not allowed me to work. I am a XXXX XXXX XXXX mom and take care of XXXX kids. I have no income coming in that is why I have been doing forbearances. In the past I was put on an income based plan, but now I don't work. I can't consolidate my loans to lower my payments. I have sent forms in for discharge of school loans due to my school isn't available online, and I haven't recieved anything back from the loan services. I have even sent emails and had no response. I wanted help to get figure out what I can do with my loans since I don't have any income coming in. The school that I attended kept taking out money from my loans and I wasn't even attending school anymore. There were also books and supplies that I never recieved and they still took money out. I have heard many complaints about Navient. It seems like every time the loan services switch the loans keep getting bigger. I want to get the resolved soon instead of having the student loans reach a point to where it isn't possible to pay back. Having my loans discharged would be great since I can't get any information that I need on XXXX XXXX online.
Consumer complaint received 2021-12-22
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: Rausch Sturm LLP (TX)

The company Rausch Sturm LLP has been contacting me since XX/XX/2021, I had in several attempts to communicate with them in regards this matter. 
Instead they continue to pursuit payment of a debt that was already paid and collected in a phone call with a debit card by XXXX a collector that XXXX XXXX uses to collect they payments, On XX/XX/2021 email was sent with proof of payment to XXXX with all the screenshots from bank statements of payment made and the settlement letter from XXXX. No action was taking. No communication was made back to me. 
On XX/XX/2021 called and spoke to XXXX XXXX they claimed never receiving any documentation and asked to sent documents one more time to XXXX. They asked for actually bank letters thwey ask for copies. I sent. 

On my effort to find out the status and get this over, I contacted them one more time in XXXX XXXX via email again, he asked for original documentation and asked for XXXX and XXXX statement just to make sure money was not returned from my bank back to me, if this was not enough, on the same day they asked me to foward everything again to XXXX to reviwed and make a decision, they claimed to be more than enough proof. 
I did not heard anything from them. I called back again and spoke to them I told them that all of this was preventing me from refinace my home so I can have more affordable mortgage payment and that I needed their help to help me removed this derrogatory marks. XXXX XXXX asked for all of the documents one more time in XX/XX/2021 One more time, I asked if this was a game or if they giving me thr round around, XXXX XXXX said that was needed for started a claim. I did not heard anything from them. 
My mortgage company waited for me, they advise me that XXXX national bank was still reporting me as derrogatory. 
I called Rausch Sturm and spoke to XXXX XXXX, she said they treated my case as a claim not as a dispute and asked one more time to send all the documentation back to her to XXXX. I sent all docments for fith timeand said to give her more time she said to give her 5 days and called back, I made several attempts to XXXX to get a hold of her On XX/XX/XXXX on XX/XX/XXXX she was not avalible On XX/XX/XXXX they asked for my permission of her calling me back to return my call and I said yes, she nver called me. Today XX/XX/XXXX I spoke with Supervisor XXXX XXXX and not before I spoke to XXXX XXXX who asked to be sent one more time the XXXX statement with the payment being made to XXXX on XX/XX/2021. Supervisor XXXX said that I was going to be receiving a call from her of the status of the dispute put in place by XXXX XXXX in XX/XX/2021. This is absolutely exsausting. I do not know what esle to do to showed them it was taking care of since XX/XX/2021 in a debit transcation via phone.
Consumer complaint received 2019-01-25
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Flagstar Bank, N.A. (FL)

I received a check from my insurance company in XXXX for funds in reference to hurricane Irma. I contacted Flagstar bank and they sent me a packet to fill out and send back with copies of the companies XXXX, Ins adjusters work sheet, conditional waiver of lien, contractor affidavit, repairs affidavit and property owner contract. All were sent along with the endorsed check in XXXX. 
I have been in contact with Flagstar starting in XX/XX/XXXX however i did not start documenting until XX/XX/XXXX. On each occasion I spoke to a customer service person in the Loss Draft Department. Each time there were frivolous excuses given for why they had not sent my check to me so that we could get a start date for replacement of our roof. 
On Each time I called : XX/XX/XXXX / 21 minutes on hold XX/XX/XXXX / 1 hour and 40 minutes trying to resolve issues that did not exist because they had all the paperwork necessary to release the check. 
On XX/XX/XXXX I was told the check would release. 
XX/XX/XXXX I called again and was told the check released on XX/XX/XXXX and it would take 10 days to get to me. 
XX/XX/XXXX I have still not recd the check. Flagstar is holding my money and causing damage to an already damaged roof for no reason. It was my understanding the reason the insurance companies put the insurance check in both our name and banks name is to insure that the work is done to protect the banks investment in the home. So why are they giving me such a hard time about releasing the check? I believe that the bank is stalling and holding my money hostage for a reason I can not fathom. 
reference loss draft ID # XXXX telephone number XXXX
Consumer complaint received 2023-11-08
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 got a letter in the mail about a credit card I was supposedly applying for, but I havent been. After running a credit report check, I actually noticed several accounts that were not mine. I immediately contacted the companies ( XXXX XXXX XXXX ) to close any accounts & dispute all charges. I spoke to XXXX in XXXX account protection division on XX/XX/XXXX, in order to close that account. No documents were requested by the company, but I did ask for a confirmation letter stating that this account was not opened by me & that I would not be responsible for any charges made to it. I was told that I would receive that letter in the mail within 14 days. Today, Experian emailed to let me know that XXXX investigation is closed and they claim it is my account. It is not my account, nor are any of the XXXX others that have been opened or tried to open in my name. Im not sure how much of an investigation was done, but I was not contacted again for any further information. I was only asked to verify personal information & if I had shopped at the store before.
Consumer complaint received 2019-12-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EMCC Holdings, LLC (NY)

Equiant financial services. Account ending XXXX. Time share date opened on Credit report. XX/XX/XXXX between. The account was charged off at {$2500.00}. Account right off at XXXX past due as of XX/XX/XXXX original balance was XXXX for 36 months that says on my record its on my credit report to XX/XX/XXXX updated XX/XX/XXXX. I did NOT sign any time share. Nor did my husband. We went on a seminar. Stayed there three hours. After a seminar was Complete and we said no. We signed for XXXX tickets. They said we had to sign to get our XXXX tickets. Now Im getting reported from this place that I never even signed for. Equiant financial services. With no proper documents from either place. With a timeshare. Dont you get a deed to the timeshare. I dont even have a deed nor did I ever have a deed. I dont even know where to go. So why am I being responsible for this kind of price. With this company that wont take it off my credit report. Or off my husbands credit report. Ive never had proper documentation saying that I had a timeshare. Please help me fight us. For me and my husband. This is theft of services. False advertising. They are hurting us. I did the Time share Seminar at XXXX XXXX XXXX XXXX. Please help me.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I sent in a dispute dated XX/XX/2021 and another over 30 days ago. I viewed my credit report and yet and still nothing has been done with my investigation, at least what was supposed to be done wasnt. one thing for certain is I am the person/ the consumer. I sent in identification id and in my letter I stated what names did not belong to be and yet and still even with my requested identification Transunion still has decided to use whatever name they decide which is false and misleading. I advised them they are reporting negative information on my credit/consumer report and I stated to them that Negative information furnished about me is an infringement up on my consumer rights to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) plus you the consumer agency does not have my written permission or instructions and I stated to remove the names, addresses that didnt belong to me as well as inquiries and still nothing I also stated the along with the credit report that the inquires did not hold a firm offer of credit or insurance with a written instruction to remove the inquires from my consumer report. I understand that transunion has assumed the role that they have but them disregarding me and my disputes and not following the rules of congress is extremely upsetting. Especially with the fact that I have tried to fix this. my credit report or consumer report is proof that they are not doing the job see fit per congress guidelines. I have disputed several items on my credit report and there was no indication or statement that I even disputed the the accounts. I have also advised them of an account of my credit report that is a collection and is showing as open and still they have not removed that negative false and misleading account. Going through my credit report and knowing that it is negative false and misleading information on it, information that I have already addressed with the company and that they have not did anything with is stressful. Transunion is definitely attempting to undermine and manipulate me. What is also strange is based on the definition of investigative report transunion also didnt do that job neither. What was supposed to be measured is my general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the mine which was not done. Plus Transunion did not receive my written instructions to have the items on my consumer report. I have missed opportunities with employers and living quarters which Is terrible and not following the guidelines in which congress has drawn out, i have attempted to fix this directly with transunion and i have been disreguard
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: NAVY FEDERAL CREDIT UNION (MD)

I am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now XXXX days and I have not received a repsonse. I did my research and I am for sure that they have XXXX days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2019-01-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (MD)

My wife got paid on XX/XX/2019. On XX/XX/2019 I was checking my bank account to see if the funds were available to buy my medication and food. After checking, I saw that {$610.00} was taken from the account without my permission, so I called Navy Federal to see why. Navy Federal told me that because I was 35 days late on my Navy Federal credit card they withdrew all the money from my account. I tried to explain to them that was all the money I had to to buy food and medication for my XXXX kids until I receive my VA XXXX pay on XX/XX/2019. Navy Federal told me they would only try and submit a partial return of {$300.00} if I agree to some type of promise and set up auto pay for my auto loan. My auto loan was due on XX/XX/2019 in the amount of I think {$310.00}. I have 6 months left before my auto loan is paid in full. As of today, XX/XX/2019 I'm 1 day late. Navy Federal told me because I was 1 day late, my auto loan was now in collection. As of XXXX XX/XX/2019 I only have a refund of {$300.00} back to my account. I have a wife and XXXX kids that I have to buy food, gas and other things. Talking to Navy Federal was useless. Navy Federal basically was forcing me to set up auto pay before they even think about issuing me a refund and said, if it went through they would only refund partial payment and iam out of luck.
Consumer complaint received 2021-08-27
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (ME)

Hello, I am an Authorized User for this account. I have been paying faithfully while the primary can not. She is filing bankruptcy soon. She will include the card/ account that XXXX refuses to update ( refused : please request or see supporting evidence ). 
No late pays and good standing but I am not going to pay on this account by myself anymore as the Authorized User. 

Compounding the problem is the fact I can not get service for this account. Unfortunately XXXX representatives will not discuss one word of this account with me for address errors or ANYTHING. That is not drama its a fact. 

I have legal rights as an Authorized User to remove myself from this account. It is my responsibility. I do not have access or a card active. So I believe its clear. 

Please request the company XXXX have its bank remove me as an obligated borrower. The letter from XXXX to me after they denied my request says it all. 

" We are unable to update the credit report as requested. To remove authorized users from the credit reporting, the authorized user must be removed from the account. '' Please ask for a copy. Bad grammar is part of the letter not me. 

XXXX MASTERCARD Card No : XXXX Thanks profusely Respectfully XXXX XXXX XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Blocking Fraudulent Information under FCRA 605B I am writing to formally request, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, as the credit reporting agency , block the information on my credit report that has resulted from identity theft and fraud. This request is made within 4 business days of receiving this complaint.

The fraudulent information includes the following accounts : XXXX 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 : {$380.00} These accounts have led to multiple fraudulent hard inquiries and collections appearing on my FICO credit report. I have attached a list of the hard inquiries in question, along with a copy of my consumer FICO credit report that shows these fraudulent entries.

I do not recognize any of the accounts, collections, or hard inquiries listed above. They were neither opened nor authorized by me and are a direct result of identity theft and fraud. 

For your reference, I have also included a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX, which serves as proof that these accounts, collections, and inquiries are due to identity theft. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021, I made a transfer of {$5000.00} from my XXXX BOA prepaid account to my sister 's BOA checking account. I've attached a photos of the transaction. I borrowed money from her and was paying her back. When the transfer reached her account, Bank of America closed her account permanently due to suspicious activities. She has been with BOA for more than XXXX years. She went in and explained it to them, they still kept it closed since i wasn't there. I stay in XXXX XXXX, she lives in Texas. 

Then they kept the {$5000.00} transfer stating that transfers from XXXX  prepaid account to others account aren't authorized. I wasn't aware of that policy, since I always transfer funds from there to my regular credit union checking account. 

Bank of America didn't even send that money back to my prepaid account, they just kept it. I called the BOA prepaid customer service and was told that i needed to file a claim in order to get my money back which i did right away. every week i kept calling and was told no number has been assigned to the claim yet. Then was told a wrong claim was filed, then they filed another one. couple of weeks after, i called and was told the claim was denied. I asked why and was told she couldn't see why. then she said she reopened the claim and asked for it to be reviewed. Then nothing. 

I really need those funds during these hard times. I really don't understand what is complicated about this issue. Even my sister 's account shouldn't have been closed permanently. She went in and explained it to them. 

Thank you.
Consumer complaint received 2019-12-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: WLCC (MI)

I took out a title loan in XXXX of XXXX. I was injured in a car accident on XX/XX/XXXX and was unable to work and the vehicle was totaled. My auto insurance carrier denied my claim on the grounds of misrepresentation so they did not pay my work loss benefits. I was unable to make the payments as agreed, and I made the creditor aware of this immediately. I had to file a lawsuit against my insurance carrier to get my past due work loss benefits and medical bills paid. I was terminated from my job as a result of the time I missed from work due to my injuries in XX/XX/XXXX. I am still unemployed and made XXXX XXXX aware of this. I have applied for social security XXXX but have not received a decision yet. XXXX XXXX title loan is calling my loan references that have no financial obligation under the title loan, as part of their collection activity.. I have asked them on several occasions to stop calling my references, and they refuse to comply. I want the harassing phone calls stopped.