davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-11
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. (AZ)

I got a late payment on my mortgage in XXXX. Reason was i changed my bank account info and autopayment didn't trigger. Upon checking with XXXX they said i have to allow one month for autopayment to kick off and have to make manual payment for 1st month. I have multiple mortgages and never had any late payments for years. Because of this late reporting it dropped my 74 points off credit scores, which is very impactful. This could have avoided if : - There was warning during autopay setup alerting off this requirement -There was a letter sent indicating late payment ( all i kept getting was regular statement which never caught attention ) - There was call made to make aware. 


Understanding nature of issue, i request my late reporting to be removed from credit.Adding XXXX as they were original mortgage company, XXXX is servicer. 

Thanks
Consumer complaint received 2021-05-11
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: LEXISNEXIS (GA)

This complaint is a follow up complaint to LexisNexis and the egregious inaccurate information they are reporting on my credit report. They are continuing to report an inaccurate bankruptcy on my credit report, an account they have continuously verified as 100 percent accurate and complete. Most recently, on XX/XX/2021, LexisNexis has just certified and verified the information they are reporting is accurate and true. I disputed this information again via certified mail by USPS on XX/XX/2021. LexisNexis received this dispute on XX/XX/2021. I called today to inquire as to why they have not responded to my demand to delete the inaccurate bankruptcy, and they stated they did not receive the dispute. Even though USPS tracking has them in receipt of the dispute on XX/XX/2021, they claim to have no knowledge of the dispute. LexisNexis reported bankruptcy includes upwards of 4 different errors and inaccuracies. If I dispute these inaccuracies and LexisNexis verifies they are 100 percent accurate and complete, by law, per the FCRA they are required to DELETE the entry. This outcome is required with only 1 inaccuracy. LexisNexis bankruptcy reporting includes 4 inaccuracies. 

I spoke to XXXX today from LexisNexis
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MARINER FINANCE, LLC (IN)

They keep running credit reports ( inquiries ) on my credit report which i did not authorize XXXX i called them to file a complaint but they kept transferring me to different people and the last one did not answer by making all these inquiries they are ruining my credit score
Consumer complaint received 2021-05-11
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: EQUIFAX, INC. (PA)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There was an Unauthorized inquiry from XXXX XXXX furnished on my consumer report back in XXXX, XXXX. I informed both the consumer credit reporting agency and XXXX about the fact that my right to privacy as a consumer was being violated and that they were both in violation of the FCRA 15 U.S.C. 1681 et seq., for unlawfully reporting inaccurate information on my TransUnion consumer report from an Inquiry dated XXXX without my authorization or a permissible purpose. XXXX has sent me 2 letters stating that the inquiry would be removed within 30 days which has not happened the first letter dating back to XX/XX/XXXX and the latest XX/XX/XXXX. At this point Transunion is also in violation for willful noncompliance, in Fact, I have submitted multiple disputes via certified mail # XXXX and Transunion has failed on multiple occasions to remove the inaccurate information therefore they are in violation of 15 U.S. Code 1681n ( a ) any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of 1. ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not mor than {$1000.00} ;
Consumer complaint received 2021-05-11
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: EQUIFAX, INC. (AL)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 30 days and I have not received a response. I feel like my disputes are being ignored and I am being taken advantage of. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days results in reason to remove these items from my credit report. It is approaching 60 days so the items should be deleted promptly. I demand these items be deleted or I will file for litigation. Also, my information was involved in the equifax data breach so it's possible my information has been missused.
Consumer complaint received 2021-05-11
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: JPMORGAN CHASE & CO. (TX)

I did not authorize anyone employed by these company to make any inquiry and view my report. I am making a final goodwill gesture to allow them to correct there erroneous reporting. They have asked me via mail for exact inquiry dates after receiving a certified letter that included a copy of my recent credit report showing Inquiries for dates XX/XX/2019 and XX/XX/2019 and a copy of a Identity theft report. 
Failure to respond satisfactorily may result in a small claims action against this company seeking {$1000.00} per violation for : Defamation, Negligent Enablement of Identity fraud, and Violations of the Fair Credit Reporting Act.
Consumer complaint received 2021-05-11
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. (MA)

I checked my credit report on Experian. To find a US SMALL BUSINESS ADMIN loan which I did not do. I have called US SBA and no one has been able to help me. I have asked them for the copy of the loan which was in my name. I was told it was unable to be found. Experian has stated there is no way to dispute the claim until there is proof from the US SBA. In regards of it not being me .Please advise
Consumer complaint received 2021-05-11
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: Convergent Resources, Inc. (VA)

I have tried to fix this erroneous reporting with This company so many times and now Im forced to file a lawsuit to get it fixed. This XXXX XXXX is simply not my account. Ive asked for validation and still Ive not received any type of validation. Its been over a year and still here reporting FRAUD! Im suing for but not limited to Defamation and Violation of FCRA. If this company is willing to fix its erroneous reporting I am willing to withdraw the lawsuit. Until then, Ill see them in court!
Consumer complaint received 2021-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

I've tried disputing this debt with XXXX XXXX as well as XXXX because the debt is not mine. My identity was used to obtain a phone line that I did not request and I do not know the year this was originally opened because it is not displayed properly on my credit report. I've been on a Family members phone line and for a long time and do not have my own XXXX Account and never did. My Social Security Number & Identity has been stolen and used in the past. I even have a freeze on my credit as well as a Fraud Alert because of this and trying to remove this debt has been hard because it is not mine.
Consumer complaint received 2021-05-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Data Systems (NC)

Financial Data Systems is trying to collect a debt on behalf of XXXX XXXX XXXX from XX/XX/2015. The original creditor did not bill my medical insurance within my insurance company 's timely filing guidelines. It also appears that this was not filed with my insurance at all. I also did not receive any documentation from the creditor regarding this debt. I only have the information presented from my credit report. I have tried to dispute the debt with this collection agency, and each time I am told this is a valid debt. This debt should be removed on the basis of the original creditor not filing this to my insurance company and on the basis of me not receiving any written notification or documentation regarding this debt. Please see the attached documentation showing when the DofD is, history of medical claims filed, and medical claims filed the date in question. Please review
Consumer complaint received 2021-05-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CT)

On XX/XX/2021 I, personally, sent a letter to them requesting they verify this debt. I JUST received a letter YESTERDAY (XX/XX/2021) DATED XX/XX/2021 REFUSING to verify my debt with insult and states the following : " We recently received a direct dispute from you regarding certain information in your credit report. After reviewing this dispute, we have reason to believe that it was submitted by, prepared on your behalf by, or submitted on a form supplied to you by a credit repair organization. Therefore, as permitted by XXXX, we have determined your dispute to be frivolous and irrelevant and will not investigate it. '' SERIOUSLY???? Not only did they NOT answer me within the proper timeframe but they REFUSE to validate my debt but yet and still they have the right to leave negative remarks on my credit report???? How can they get away with this??????????
Consumer complaint received 2021-05-11
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. (MA)

Experian refused to erase the late payment stated on my reports. 

XXXX XXXX XXXX has sent me written statements requesting the bureau to back date everything to XXXX of 2020 because of XXXX error. 

XXXX sent me an XXXX # of a document they had sent to Experian to fix the error they made. 

Experian told me XXXX verified I had late payment but I didnt. I have statement from XXXX  saying they messed up. 

Why wont Experian fix this.
Consumer complaint received 2021-05-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sensible Auto Lending, LLC (CT)

When my divorce was final on XX/XX/2021, the judge ordered that the auto loan was NOT my responsibility. I'm attaching my divorce decree. I submitted this to Sensible Auto and they refused to stop reporting on my credit report and now I have a repossession on my report. 
I asked them what I could do and they told me to refinance with a third-party to pay off the loan, HOWEVER, there are no third parties that will refinance a {$0.00} XXXX XXXX loan which is what they show I owe. I'm attaching the transaction information they sent me which shows I owe {$0.00}. 
So now I'm stuck with NOTHING I can do except beg for your help because there is NOTHING I can do to have this removed from my credit report although they KNOW it's not my debt, I've given them proof AND according to them I don't owe anything after they'd sold it!!!!! 
I don't know what to do anymore. This isn't fair at all! No one cares! I can't move forward with my life because they won't do what is right.
Consumer complaint received 2021-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

I am writing to request correction of the errors described below regarding the XX/XX/2019 mortgage payment on my property at XXXX XXXX XXXX, XXXX, NJ XXXX. 

I made my XX/XX/2019 mortgage payment on time. That payment cleared on XX/XX/2019. On XX/XX/2019, I received information to send my mortgage payments to Mr. Cooper. By that date, SETERUS, my former mortgage service, had already deducted funds from my account. 
See Attached A ( Copy of Check # XXXX ) The change in mortgage servicing was not disclosed to me prior to XX/XX/2019 when Mr. Cooper assumed my mortgage account. I wrote to Mr. Cooper in XX/XX/2019 and XX/XX/2019 informing that my XX/XX/2019 payment was sent and cleared by my previous mortgage service SETERUS. 
See Attached B.
Consumer complaint received 2021-05-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (FL)

On XX/XX/2021, AmSher Collection Services reported a collection account in the amount of {$320.00} to all National Consumer Credit Reporting Agencies/Companies. They failed to provide me with written notification about the debt prior to reporting it to the National Consumer Credit Reporting Agencies/Companies in order for me to confirm or dispute the validity of the debt. On XX/XX/2021, I made a final attempt to resolve this matter with AmSher Collection Services via a telephonic communication. However, their staff are not helpful at all. They demanded payment or else.
Consumer complaint received 2021-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (OH)

I received a letter today, XX/XX/2021, that I owe {$1400.00} for a loan by phone, and if I sent {$700.00} by XX/XX/2021 it would be considered resolved.. My credit report says I owe the same amount for an account opened in the last six months. Wrong name listed and I'm sure this is not mine.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

I sent a letter to Equifax and I asked them to verify how they got there information to list on my credit report. They sent me a letter stating that they got there information from XXXX consumer center. Therefore, I sent a letter to XXXX and upon them looking at my report they have removed this information that they were reporting wrong. I will attach the letter from them and I hope that you all will follow there lead. I hope that you don't send me a letter back claiming that you all got this information from pacer or the courts because I have also attached letters from them. I also attached the letter you all sent me claiming that you got your information from XXXX.
Consumer complaint received 2021-05-11
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. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-05-10
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 am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.
Consumer complaint received 2021-05-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

When I originally took out the loans it was advertised that I could release my co-signer after 12 on-time monthly payments. My first attempt was unsuccessful as new barriers to removal, unbeknownst to me, were put in place and I was denied. So several more years of on-time monthly payments go by and again I try to remove my co-signer. Again I was denied, this time for not having high enough creditworthiness. A couple more years pass and I work my credit score up to the mid-700s and applied again. Surprise surprise now I don't have a long enough credit history according to Navient. The reasons given were a ) a previous loan default ( which I am completely unaware of somehow ) b ) delinquent payments ( for federal student loans which are now many years removed from present day ) and c ) amount on accounts is too high ( I can't imagine the {$14000.00} I still owe them and am paying for is very much compared to many ). 

I've tried everything to meet the arbitrary standards to release my co-signer from my loan. I've made on-time payments every month for years and years and it's still not good enough. Navient seems to keep finding arbitrary reasons to deny my requests. None of these arbitrary barriers were advertised when taking out the loan so I feel doubly deceived.
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I went to Bank of America ATM to deposit 2 checks totaling {$960.00} plus {$7000.00} in cash during my transaction of depositing the cash I got an error on the ATM and a receipt stating an error occurred and contact XXXX. I contacted this number right away. They filed a claim for me ( claim # XXXX ) and stated it would take 1 to 2 business days to get reviewed. I checked my account today and they 2 checks were credited and only {$300.00} of my cash deposit was credited. I called back today and now I am being told it will take up to 10 business days to be resolved which is XX/XX/XXXX. I put cash in the bank because I needed it available right away due to bills and my son 's XXXX birthday party on Friday, XX/XX/XXXX. 10 business days is an unacceptable timeframe when waiting for such a large amount of discrepancy to resolve.
Consumer complaint received 2021-05-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I took student loans in XXXX, XXXX, and XXXX to pay for my XXXX education at XXXX XXXX XXXX NY. All these loans were taken based on a " deferred '' payment arrangement starting in XX/XX/XXXX and onward. For my career enhancement, in XX/XX/XXXX, I left XXXX XXXX and registered in a foreign MD medical school that is not approved by my lender. Due to this, my lender has stopped giving me additional funds and also forced me to start the monthly instalments immediately instead of following the agreed " deferred '' plan. They are not appreciating that I am not asking for more funds and my outstanding loan relates to an eligible school XXXX XXXX XXXX XXXX and I have not drooped out of college and in fact pursuing a much higher professional education on a full time basis. My loan also had my aunty as a co-signer. Now my Dad is paying my monthly instalments but the lender has refused to replace my aunty with my Dad as co-signer.