davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXXXXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXXXXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I refinanced my mortgage that was being serviced by New Rez ( Shell Point Mortgage ). 
The wire for the payoff was sent on XX/XX/2020 from XXXX XXXX XXXX to New Rez. 

I have made numerous phone calls to New Rez, while waiting on hold upwards for an 1 1/2 hours. At that point I took the call back option, in which I never received a call back. 

I called again and spoke to customer service, in which I gave the Transaction Ref. No. and Federal Reference No. She stated, that the wire was never received and she would have a supervisor contact me within 48 hours, which never happened. I have called 5 times in total. I sent 2 emails with the wire information and never received a response. 

XXXX XXXX has also been calling New Rez and not making any progress. XXXX XXXX said the wire was never returned. 

New Rez has now charged me a late fee and continues to ignore any form of contact.
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

i have filed several disputes with Equifax, both online as well as called almost daily for awhile. i have faxed over proof from the credit union, written on the credit unions letterhead as well as the phone number of the credit union and the credit unions attorney confirming that it should be removed immediately and Equifax continues to maintain they're accurately reporting the credit union accounts and willfully continues to violate the FCRA
Consumer complaint received 2020-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (TN)

Trump gave executive order that ceases all collection activity for 6 months on student loans due to current covid-19 crisis. Navient, who is no longer servicing my loans to begin with continue to call in total disregard to that " executive order '' and " stay. '' I have contacted and made complaint with the Dept of Education - Ombudsman to initiate complaint and hopeful resolve and order for them to comply with that executive order. 

MY COMPLAINT CASE # WITH OMBUDSMAN - DEPT OF EDUCATION IS XXXX
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (UT)

I have a credit freeze on Equifax. I need to temporarily lift it. They have put the ability to manage a freeze behind a login, and the web site gives a general error after trying to log in. I tried resetting my password and had the same issue. The site says to call a number to fix it. The number is not being answered. They also have a phone number to call to go through an automated process to manage the freeze, but after a long series of entering info, it also fails without any reason given as to why. 

In summary, they have my credit frozen but are not providing any way to unfreeze it.
Consumer complaint received 2020-03-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (CA)

1. this lender took over the loan in XX/XX/2019. we borrowers were not notified In time to send payments to Selene/the new lender. payments were sent for former receiving lender ( XXXX  for XXXX XXXX  ) 2. now selene ignored our request to provide us copies of checks they received from loancare/Cit former lender ... .. 
3. meantime now selene has sent a notice to accelerate /foreclose on the property. 
4. we/borrowers have sent selene certified letters requesting the copies of checks selene has received from Loancare/cit former lender, but has ignored us todate. 
customer service is very rude over the phone. all they are concerned with is to foreclose on us since we have low interest on the existing loan. 
5. selene finance feels they are not covered under the government mandate to halt debt collection due to covid 19 .... who can we send the complaint about this lender about not adhering to this mandate? ..pls. give me info.I will direct addl. complaint. 
lender is Selene finance, XXXX, XXXX .... Account # XXXX borrower : XXXX XXXX Property XXXX XXXX XXXX XXXX, XXXX, CA XXXX
Consumer complaint received 2020-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2018 a credit card was opened using my information that I was not aware of, and I have provided proof that this card is not mine, and capital one has ignored any attempt that I have made to rectify the problem, the debt is for {$11000.00}. I have been a victim of identity theft for years, and have ask that I be contacted before opening up new accounts and they did not inform me that this account was opened. The account number listed on my credit report is XXXX. Please have them remove this fraudulent information from my credit report immediately, they are not following the FCRA guidelines.
Consumer complaint received 2020-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MT)

We suffered a housefire in XX/XX/XXXX. Since this time, our mortgage company has been very difficult to work with, specifically in the last six months. Although we have turned in paid receipts for months, they do not release funds. Every time you call the company you have to speak to a new person and get a different answer as to why you have not got funding yet. To date, they have over {$20000.00} that they are holding and will not release. They sent a check on XX/XX/XXXX but this check had our ex-contractor 's name on the payee line, which they had been informed of several time that he was no longer our contractor. Upon asking for an updated check, the company informed us they would issue a stop payment and get us a new check within 10 days. It has now been 15 days and they have not even processed yet. This is a severe hardship for our family and has caused months of unneeded stress. They can clearly see through inspections and receipts that the money has been spent to fix the home.
Consumer complaint received 2020-03-26
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. (AR)

I received a call from a student loan company several times a couple of days ago. They continued to ask me about the student loan account. I have never applied for student loans. I have never went to school to have student loans. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXX   XXXX {$2300.00} XXXX XXXX XXXX   XXXX {$5400.00} XXXX XXXX XXXX  XXXX {$5400.00} XXXX XXXX XXXX XXXXXXXX {$7200.00} XXXX XXXX XXXX   XXXX {$7300.00} XXXX XXXX {$4000.00}
Consumer complaint received 2020-03-26
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: Experian Information Solutions Inc. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were several accounts open under my name. It is a real upsetting situation that this has happen to me and the amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to us.
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

Dear Sir or Madam, I have placed a credit score freeze on Experian. I need to temporarily left the freeze. 

To do so, Experian requires a pin that was given to me by mail a long time ago, which I could not locate. 

So, now, to retrieve my pin, Experian only provides website service or auto-phone service. I have tried numerous of times to retrieve my pin as instructed by Experian. Each time, I was asked to mail my ID, social security card, and proof of address to Experian designated address. I did so accordingly by XXXX XXXX mail. 

Now, a couple months have passed, I have not received Experian 's response in mail. Again, I tried Experian website and phone number it provides to consumers/customers. All I got is the same automatic instruction to mail in the same required documents to the same address again and again. 

There are many aspects of life need my credit score be checked. Household needs, /living needs /children needs, the problem faced by Experian became such an obstacle to my life.

There seemed to have no other way to get this issue resolved. Problem persists. Life is heavily impacted without hope of seeing it be changed due to this problem. 

Experian could not hold such a position to hurt a normal people 's liberty and life needs. Thus, I'm filing this compliant after I tried all the attempts that Experian offers to consumers/customers.
Consumer complaint received 2020-03-27
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 HAVE ACCOUNTS THATS IN MY NAME THAT I DID NOT OPEN WASNT AWARE OF IT MY PERSONAL INFORMATION WAS USE IM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-03-27
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. (CA)

Iwouldliketorequestthesuppressionofthefollowingitemsfrommycreditreport,  whicharetheresult ofmyfallingvictimtoidentitytheft
Consumer complaint received 2020-03-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX  partial account number XXXX****. ( Please see page attached. ) This mortgage was transferred from XXXX XXXX  to XXXX to XXXX XXXX which is part of XXXX. This was an In- house transfer with no notice given to me. I have had perfect paying history and this late is a mistake and should have been part of the ( 60 ) day grace period that restarted when XXXX XXXX switched me to XXXX XXXX in XXXX. This false reporting of a late is seriously harming my credit score and needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-03-27
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: Experian Information Solutions Inc. (FL)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (FL)

Last XXXX, I think, as I have yet to received any written notification, XXXX  XXXX XXXX transferred servicing of a small HELOC I had on an old home of mine. I think the transfer was to occur in XXXX. Both Specialized Loan Servicing ( SLS ) and XXXX  XXXX XXXX used an address I had not lived at in over 16 years to notify me. Bottom line, it took SLS 4 months to find me and effect the transfer. Because I was never notified, I continued to pay XXXX  XXXX XXXX through their auto Bill Pay program. 
Without going into a long story, because Im XXXX  XXXX, and due to my many XXXX  overseas both before and after I XXXX, my son has taken care of our rental property starting in XXXX. I was with XXXX XXXX from XXXX to XXXX so I no longer had a stateside number. That is why I have always included my sons phone number on all my accounts. SLS had this number all along but SLS 's representative stated Specialized had no record of ever calling my son until XX/XX/XXXX of this year. Once notified, we verified the transfer with XXXX XXXX XXXX, and we paid SLS the money owed. XXXX XXXX XXXX, unbeknownst to us, had been returning our payment with only an alpha numeric code number we failed to recognize. SLS subsequently put a 120 day late on my credit report. I have been with XXXX XXXX XXXX for over 25 years. A simple phone call to them would have resolved this 4 months prior. Or, sending a certified letter would have produced my contact information. 
I would appreciate your looking into this matter for me and removing the 120 day late on my credit report. Thank you for your assistance.
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX  DEPT OF ED/XXXX  XXXX XXXX XXXX TransUnion LLC XXXX. XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX  DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX  DEPT  OF ED/NAVIENT XXXX XXXX XXXX
Consumer complaint received 2020-03-27
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: HYUNDAI CAPITAL AMERICA (AL)

I paid of my XXXX XXXX XXXX from XXXX XXXX XXXX Al. On XX/XX/XXXX and they said that i didnt pay off my car and that i owed them XXXX. My payoff quote was XXXX i paid that in full. I need them to explain to me why they are over charging me. I have tried to call the automated customer service number no answer i also personally called the riverchase kia a receptionist picked up the first time and transferred me, i didnt get a answer so i called right back and the receptionist didn't even pick up the next three times i called. I need answer ASAP!!!! I paid the XXXX because i need my title but that is XXXX especially since my payoff quote was XXXX and i paid them in full.
Consumer complaint received 2020-03-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: RFNA, LP (GA)

Republic Finance representative who identified himself as XXXX the manager of Republic Finance located on XXXX XXXX in XXXX Georgia admitted he withdrew money from my account without permission. But he refuses to return it and the fee the bank charged me for paying the ACH transaction of XXXX on XX/XX/2020, without my permission.
Consumer complaint received 2020-03-26
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. (CA)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter
Consumer complaint received 2020-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Credit Corporation (MI)

I purchased XXXX tickets through group on XX/XX/XXXX for a XXXX XXXX XXXX game on XX/XX/2020 the event was canceled due to cobid 19 i contacted group on mo luck so contacted my credit card company explained why the event was canceled they sent me a letter stating i purchased the item i told the cs agent when i filed the whole story due to covid 19