davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
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. (TX)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (OR)

Nationstar is the worst mortgage company out there. Incompetent customer service have managed to XXXX my account up for 4 months. Can not accomplish a simple task and I typically have trouble understanding them. Ridiculous! I am refinancing with my credit union just so that I do n't have to deal with them. Nothing good to say about this company.
Consumer complaint received 2020-05-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Western-Shamrock Corporation (MO)

So during a national pandemic and stay at home orders at the state level during COVID19! Western shamrock Loans and Attorney XXXX XXXX firm frivolously did a hard pull on my credit without contacting me although they have my number and affected my credit score no where in judgement does it state they have authority to do so as it supersedes the contract in my opinion they are blatantly frivolous in doing so during a national pandemic and they need investigated as they obviously only care about money and have NO care for any Missourian  or citizen of this state with regard to COVID19
Consumer complaint received 2020-05-27
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. (IN)

What happened is the credit reporting agencies do not seem to be doing their job or not doing such a good job. When one has been defrauded as I have and taken all the proper channels of reclaiming my life and reporting unauthorized accounts unknown to me then for companies as such as Experian, XXXX, and XXXX  not to respond responsibly then I have no other choice but to turn to the FCRA/FTA if this can not be resolved. I'm also requesting the Method Of Verification used in this investigation conducted by the 3 credit reporting agencies. Name / title of the investigator, means of any and all documentation that gives them the authorization to even report such accounts on my file. If not then these accounts shall be removed and blocked from my credit files. 

1 ) XXXX  XXXX XXXX {$1700.00} 2 ) XXXX XXXX XXXX  XXXX XXXX {$720.00} 3 ) XXXX XXXX XXXX   XXXX {$560.00} 4 ) XXXX  XXXX XXXX  {$850.00} 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX  XXXX {$0.00} 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX XXXX 9 ) XXXX XXXX XXXX 10 ) XXXX XXXX XXXX
Consumer complaint received 2020-05-27
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: EQUIFAX, INC. (IN)

What happened is the credit reporting agencies do not seem to be doing their job or not doing such a good job. When one has been defrauded as I have and taken all the proper channels of reclaiming my life and reporting unauthorized accounts unknown to me then for companies as such as XXXX, Equifax, and XXXX  not to respond responsibly then I have no other choice but to turn to the FCRA/FTA if this can not be resolved. I'm also requesting the Method Of Verification used in this investigation conducted by the 3 credit reporting agencies. Name / title of the investigator, means of any and all documentation that gives them the authorization to even report such accounts on my file. If not then these accounts shall be removed and blocked from my credit files. 

1 ) XXXX  XXXX XXXX  {$1700.00} 2 ) XXXX XXXX XXXX  XXXX XXXX {$720.00} 3 ) XXXX XXXX XXXX   XXXX {$560.00} 4 ) XXXX  XXXX XXXX  {$850.00} 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX  XXXX {$0.00} 7  ) XXXX XXXX XXXX 8 ) Capital XXXX XXXX XXXX 9 ) XXXX XXXX XXXXr 10 ) XXXX   XXXX XXXX
Consumer complaint received 2020-05-27
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)

UNVERIFIED ACCOUNT. Per CRSA enacted, XXXX implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.
Consumer complaint received 2020-05-27
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: EQUIFAX, INC. (MO)

After notifying the 3 major credit reporting agencies of the theft and mishandling of my identity, I've demanded the following unauthorized accounts to be removed from my credit file. I've also demanded all evidence collected in your investigation of these accounts. Knowingly knowing that electronic verification can not be accepted as proof. So I'm requesting physical documentation of such. If not please remove & block the following unauthorized accounts. 

1 ) XXXX XXXX 2 ) XXXX Child Support {$21000.00} 3 ) US Dept of Education {$7500.00} 4 ) US Dept of Education {$4300.00} 5 ) Dept of ED/ XXXX {$6000.00} 5 ) Dept of ED/ XXXX {$3500.00} 6 ) XXXX  {$1100.00} 7 ) XXXX  XXXX
Consumer complaint received 2020-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (WA)

My wife and I bank through Simple Bank, which has BBVA USA as the parent bank. On Wednesday, XX/XX/XXXX, my wife and I noticed that our debit cards were either declining or saying that the cards were not authorized. We had attempted to use the debit cards attached to our joint checking account. I tried to relocate money to my personal account to see if it was an issue with the joint account. I could not relocate money using either the app or through the web browser. I had called into Simple Customer Support and asked what was going on. I was at that point told that BBVA had suspended our account because they suspected we were victims of unemployment fraud ( My wife and I are currently receiving partial unemployment ). There was no notification issued to us. During the phone call, I was told that the issue would be resolved by the next day ( XX/XX/XXXX ) and someone would reach out to us. I called on XX/XX/XXXX because I hadn't received any updates and was then notified there was no updates for me. I called again on XX/XX/XXXX and was told there were still no updates for me. Today, XX/XX/XXXX, I called and was told there was STILL no update for me. Because my account is suspended, I have XXXX access to my money, bills can not be pulled ( I had authorized two utilities to be pulled prior to the account being suspended ), and unemployment/paychecks can not be deposited. We have a few XXXX dollars in savings in this account so money shouldn't be an issue for my wife and I, but now we are going on a week with XXXX access to this money. My wife and I need to eat and we need to put gas in our vehicles in order to get to work. We are not victims of fraud and this issue should have been able to be resolved much sooner. We have not been given any updates regarding how the investigation is going or when it will be resolved. I have made attempts to have Simple Bank temporarily unsuspend our account or have them manually move some of my money into my personal account ( which is not suspended ) so I at least have some form of access to money. I was told that they can not do that. All communication has been via phone and I don't have any phone recordings.
Consumer complaint received 2020-05-27
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. (MO)

After notifying the 3 major credit reporting agencies of the theft and mishandling of my identity, I've demanded the following unauthorized accounts to be removed from my credit file. I've also demanded all evidence collected in your investigation of these accounts. Knowingly knowing that electronic verification can not be accepted as proof. So I'm requesting physical documentation of such. If not please remove & block the following unauthorized accounts. 

1 ) XXXX XXXX 2 ) XXXX Child Support {$21000.00} 3 ) US Dept of Education {$7500.00} 4 ) US Dept of Education {$4300.00} 5 ) Dept of EDXXXX XXXX {$6000.00} 5 ) Dept of EDXXXX XXXX {$3500.00} 6 ) XXXX  {$1100.00} 7 )  XXXX  XXXX
Consumer complaint received 2024-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-05-27
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. (TX)

Transunion keeps reporting an account in collections that was settled in XXXX. The creditor has sent letters and they do not delete it. I have the letter they have provided. I have sent the letter with multiple attempts to get it updated with he right information
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (PA)

I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2020-05-27
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: EQUIFAX, INC. (TX)

This compliant will serve as notice to Equifax that a lawsuit will be filed against you. On XXXX, XXXX, 2020. I requested Equifax to please research and investigate a problem on my credit report involving an account : XXXX XXXX # XXXX This account above is listed on my credit report as fraudulent and does not belong to me! Equifax sent me a letter 30 days later that arrived to me on XX/XX/2020 saying that " Equifax has verified - XXXX/XXXX  XXXX # XXXX - account belongs to me. '' I send out another letter on XX/XX/2020 to Equifax for the method that Equifax used to determine its findings. As per the FCRA, I requested for Equifax to send me this information within 15 days based on the information it used from the previous 30 day investigation. 

Equifax still has 15 days to send me these finds per the FCRA from the date received. Per the XXXX Tracking ID : XXXX from Certified mail with return receipt, this letter was **DELIVERED & SIGNED, XX/XX/2020 XXXX pm, XXXX , GA, XXXX. 

Equifax has until XX/XX/2020 to send this request per the FCRA. 

Today, XX/XX/2020 I received a letter from Equifax stating that they could not match my information per Category 1 ) IDENTIFICATION, and I needed to send my social security card in with ID. 

On XX/XX/XXXX, and XX/XX/XXXX, a drivers license along with my social security card was submitted with my requests. 

Equifax is showing that they WILL NOT investigate my request per the law as this information was already sent. THIS IS A VIOLATION. 

All correspondence from Equifax has been recorded, and will be used in my lawsuit against Equifax for violating my rights under the FCRA. 

Equifax this is my FINAL request for you to DELETE this fraudulent account that does not belong to me by XX/XX/2020 or send me the information that Equifax used to verify this fraudulent account by XX/XX/2020 or a lawsuit will be filed against you! 

Attached files will show all letters send by me that INCLUDES my drivers license and SSN.
Consumer complaint received 2020-05-27
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)

I have been trying to fix or take care of all the fraud activity on my credit reports thru the credit reporting agencies and they do not want to fix or remove all the fraud acitivities on my report ... ..I have tried to send them speak to them proof of my Identity to show them that it has nothing to do with me and they still have not responded or removed. I have seen fraud of my identity from diffrent states and its unbelievable how it gets put on my credit file and they dont realize that its not me.
Consumer complaint received 2024-08-30
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: EQUIFAX, INC. (LA)

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 2024-11-17
Product: Credit card — Store credit 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: CITIBANK, N.A. (CA)

I opened a dispute for a credit back in my home depo credit card I believe the amount is around {$9.00}. I did the purchase on XX/XX/year> I believe I returned the Item within XXXX days because I have not used it.. In the statement of XXXX appeared the purchase and not the credit back for the return item. 
I called Home Depot Credit Card Services They promised me they are going to investigate and provided me information in regards the dispute. Now I received a letter dated XX/XX/year>, asking me to go to the store and basically to ask the XXXX for a credit back, I was told the same when I called XXXX XXXX Customer Service on XX/XX/XXXX I spoke with Supervisor name XXXX employee ID # XXXX. 

I'm attaching the letter for reference, I believe I called the credit card Customer services, and they are the ones who supposed to call the store to get this figure out, NOT ME. I believe I received a kind of mistreatment by Home XXXX  Credit Card Services
Consumer complaint received 2023-07-02
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX to reinvestigate these accounts : Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2024-11-16
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: SLM CORPORATION (AL)

I had to leave the University XXXX XXXX because of stuff that I had going on at home back in Alabama and I got off track with school and football because I chose to be there for my family back home and that is where I am right now. I am in the process of transferring and I need to send my transcripts to XXXX XXXX University and I was told that college cant hold transcripts anymore even if you withdraw from the classes before the deadline and have a balance. I talked to people at the University XXXX XXXX about releasing my transcript and they have their own rules and telling me I have to pay my balance off and that is challenging for me because I dont have any support to get a loan or anything. I dont even have a car anymore and my family is in poverty. I am submitting this complaint to see if I can get some support to get a loan without a co-signer and paying it off when I graduate or have fight with XXXX and their rules and have them release my transcript now and I set up a payment plan with them later on. I am close to graduating and will be the first in my family to do so because I am a first generation college student.
Consumer complaint received 2024-11-16
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: ECMC GROUP, INC. (NC)

XXXX XXXX company ECMC offered two account pay off options. One in which was a settlement pay off option and will report as charge off. The other option was a paid in full option and ECMC would request a deletion of their account from my credit profile. So i paid the account in full but ECMC failed to provide a deletion.
Consumer complaint received 2024-11-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (TX)

MRS. BPO, LLC has placed a collection on my XXXX XXXX, XXXX and XXXX Credit Report and caused servere damage to my credit files and being denied several lenders!! 

I've call every telephone number listed and the corporate office but no answer or long hold times of more than XXXX hours!!! 

I also called XXXX XXXX about this XXXX XXXX and they too have yet to remove the collection on my credit files! I have filed disputes with all three bureaus but the damage continues! 

I don't owe anything and both XXXX XXXX and MRS.BPO, LLC caused me financial harm and damage to my credit files with future lenders!
Consumer complaint received 2020-05-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

I have 75 or 76 qualifying payments on all of my student loans for public loan forgiveness. I submitted a certification form on XX/XX/XXXX. After that form was reviewed all loans were updated to state that my qualifying payments were either 75 or 76. In XXXX of XXXX I received notification that my qualifying payments on loan series 9 was now only 70, however no reason was given. When I called and spoke with my lender Fed loan they stated that there were 3 educational forebearances on that account despite the fact that I XXXX  in XX/XX/XXXX and had not enrolled in XXXX XXXX   school since then ( I did enroll in XXXX credit hours of XXXX XXXX in XX/XX/XXXX ). I was assured this would be corrected. Since that time every time I check my account the qualifying payments on loan series 9 varies from as low as 64. Every single time I check my account the number of qualifying payments changes on that loan. Sometimes it is 64, sometimes 70 but has never returned to 75. I have been notified the educational forbearance has been removed but the counts have not been corrected. I have emailed FedLoan multiple times and have called multiple times yet this has not been corrected. I have been told I need to wait for a formal recount which previously took over a year for me to get. I have gotten no responses regarding rectification despite multiple emails. My qualifying payments should not change weekly and should be corrected to 75 as I have always paid all of my loans on time and not selected one loan to pay on.