davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Fraudulent Inquiries 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 TransUnion XXXX  cc : FTC ID Theft Report XXXX
Consumer complaint received 2024-06-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

I'm writing regarding an egregious hidden fee from my mortgage company, Everbank.

Everbank is the mortgage lender on my home. Everbank mailed me a notice this past XXXX from Everbank that my home insurance had lapsed, so I immediately called XXXX and signed up a new policy. I reached out to Everbank several times to submit and confirm my new policy, but without response of the part of Everbank. 

Now in mid XXXX, I received a mortgage statement from Everbank charging me {$1800.00} on top of my mortgage payment for insurance coverage. After reaching out to multiple points of contact at Everbank, I was finally told they were penalizing me for the period that my house was not covered.

This is patently unfair. The minute I learned that my coverage had lapsed I immediately fixed the issue. I have always paid my mortgage on time ; I work hard to maintain a good credit rating ; and I invest time and effort to maintain my home, which is the collateral for the Everbank loan. As a result, there has been no material damage to the house during any period of the loan.

Instead, Everbank is using this foot fault to gouge {$1800.00} from a timely and responsible borrower. I have a young child at home ; my wife is about to give birth to our second; and I have a full time job. It's terrible that a large company like Everbank seeks to take advantage of busy working families with large hidden fees.
Consumer complaint received 2024-06-25
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. (AL)

This company is reporting false information on my account as a collection when its currently deleted from my XXXX  and equifax. This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-24
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. (NV)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-06-18
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. (GA)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. Please see attached file for these items I am complaining.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCK AND REMOVE It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely appreciated.
Consumer complaint received 2024-06-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
MEDICAL I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it. )
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

My account with XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2024-06-25
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. (DE)

after carefully reviewing my credit report i have notice the accounts listed below are not mine i do not owe debt or have a contract with these companies law 15 u.s.c 1681 5-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i would like these accounts removed from my credit report asap which is hurting my ability to obtain credit & purchase a home
Consumer complaint received 2024-06-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MARINER FINANCE, LLC (FL)

I took out a loan on XX/XX/year>. When I was closing the loan I was told that I would have to take out insurance products for them to fund the loan. I signed and agreed, however, when I paid off the loan XXXX months later I had to go into the branch to finalize the payoff. I paid online but due to proration and payoff date, I was forced to go to the branch to make an approximate {$7.00} payment. Their website will not take payments under {$10.00}. While there, I read my contract and saw that the dispersed amount for the loan showed a few XXXX more than I was given. I inquired about it and was finally told it was dispersed to an insurance company. The insurance was through a 3rd party and was for Auto Insurance and roadside assistance. They knew that I had full coverage insurance and roadside through my own policy. They knew because they required my insurance declarations for the loan. They also sold me Life Insurance, XXXXXXXX XXXX  XXXX, and XXXX XXXX Once again, I was told this was required. When I really started questioning it, they produced a copy of the loan documents I signed and said I was informed. The really bad thing is that I had the original loan copies that I signed on the day of the loan closing. They do not match what they have uploaded into their system. I was given a XXXX story about why it changed, but it was XXXX. I provided their corporate office as well as the local branch my copies versus what they have uploaded in their system. It is a blatant insurance scam. I have both copies of the loan agreement. The original and the one they claim is the original. It includes time stamps and dates from when I signed it.
Consumer complaint received 2024-06-13
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NM)

Per my phone recording the represent state if I dont pay the amount in full that They will report it to the credit bureau the representative that acknowledged that they received a court Order to set aside the verdict and dismiss this debt, but they still want me to pay the {$4000.00} despite the judge ordered on XX/XX/XXXX, I sent a cease-and-desist letter for debt collection to the original creditor, which is XXXX doing Business as XXXX XXXX
Consumer complaint received 2024-06-24
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. (NJ)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer
Consumer complaint received 2023-06-08
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-06
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: EQUIFAX, INC. (TX)

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. 


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.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

I have previously disputed with XXXX, XXXX and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2024-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

XXXX data Breach I am writing to formally dispute unauthorized activities on my credit cards XXXX **** XXXX XXXX XXXX my concern regarding the recent XXXX XXXX breach that was publicly disclosed in XX/XX/year>. My personal information name, Social Security number, driver 's license number, was compromised in this breach. 

Since the breach, These incidents have caused significant distress and potential harm to my financial standing and personal security. 

I request the following actions to be taken immediately : **Investigation and Resolution**

: Conduct a thorough investigation into the unauthorized activities associated with my account and provide a detailed report of your findings. ** Account Security** :
Ensure enhanced security measures are applied to my account to prevent further unauthorized access.

**Compensation and Support** : Offer compensation for any financial losses incurred due to the breach and assistance in resolving any issues related to identity theft. 

Please acknowledge receipt of this letter and provide a response detailing the steps that will be taken to address my concerns within 14 days. 


Thank you for your immediate attention in the matter.
Consumer complaint received 2023-09-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (WI)

XXXX payment of {$2600.00} was applied to suspense per cooper records. Not to the month of XXXX for that months contractual payment. There is no allocation of principle interest, or escrow ( PI & E ) the amount shows up in unapplied payments. See line 138 This would have been the first months payment after filing XXXX  XXXX. So at this time there was no unaccounted for shortage. 
Then other payments are recorded more go to suspense some make it to PI & E.

5-1 2041.64, 6-14 2041.64, 6-21 2200, 6-22 2037.32, 7-18 2047.74 *557.48 6-21 *** there are other entries many I cant understand why its several pages for just a few months. 
Then XXXX the court ordered {$1500.00} agreed arrears for missed payments. 
Why was {$2600.00} put into suspense only to demand catch up of {$1500.00} there appears to be plenty of payments. 
Why did you apply XXXX payments to XXXX? It seems clear cooper applied my current payments to amounts prepetition months causing the account to look behind constantly when it was not. 
Bounce to line XXXX XX/XX/2022 applied to XXXX XXXX never takes filed months amounts out of a single running balance.
Consumer complaint received 2019-07-24
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. (KY)

Navient calls my phone up to 10 times day. Starting XXXX XXXX and up to XXXX XXXX at night. I am already being garnished by XXXX, and have a child in college. I have to pay out of pocket for tuition for his schooling. They are not interested in helping just harassing me everyday 7 days a week.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (ID)

I have submitted a dispute with equifax 6 times for a fraudulent collection made against me. I have submitted supporting documents that prove that the collection is a fraudulent charge. The dates for dispute are as follows XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24. All disputes made with supporting documents that prove the legitimacy of my dispute. Showing the contract, dates of execution, and when the contract was terminated as per the agreement. Every dispute has been met with no explanation on how the results were verified, other than the employee reps repeating that my name was in the collectors system so it must be accurate. At this moment I have no way to dispute as the equifax will instantly complete an investigation without actually investigating. Every dispute instantly voids itself upon phone disputes, online disputes, and mail in disputes. As of now I can't even dispute anything on the equifax website as the website currently says the collection is under dispute when it is in fact not.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Bad business practices- I made several complaints directly over the past two years with correcting the payment amount, name change after speaking with manager ( s ) directly ; XXXX  legal documents, new ID card, copy of XXXX card, emailed and faxed docs. And, the results are always none of the information was received. The very reason I chose to get away from this company XXXX XXXX The vehicle was PAID IN FULL in XX/XX/XXXX ; XXXX. This company refuses to report the correct information for the payoff. Instead it totally deleted the account from the report, like before in correcting the monthly payment, which was incorrect. Ive called the company many times on this issue ; to reflect the correct balance of the est. $ XXXX + instead of a diff amount of $ XXXX. I called the credit bureaus, it shows there is no record of the company ; business started in XX/XX/XXXX, now its as if the account never existed. PLEASE REPORT THE CORRECT INFORMATION. BOTH NAMES ( XXXX XXXX ) REFLECT WITH TRANSUNION. 

As of XX/XX/XXXX, I called TransUnion and the account was closed/deleted for XXXX, which is still incorrect. Deleted all reporting history from XX/XX/XXXX, as if it never existed on the report. TransUnion advised It does not reflect on the credit report. TransUnion also advised because of this type of status, it will need to be re-added, then another dispute can be filed. The company/XXXX  tells XXXX to wait and there is nothing more they can do and its on Transunion. TransUnion stated it is NOT their issue and it needs to be corrected by XXXX, whoever they are today. - THERE HAVE BEEN MANY NAMES. This company has not provided a paid in full letter, received a XXXX payoff from the dealership. They made attempts to block my number from calling customer service at XXXX and No response from the escalation requests. Outcome : TO CORRECTLY REPORT THIS INFORMATION TO TRANSUNION WITH THE CORRECT BALANCE AS PAID. THIS IS THE ONLY BUREAU THE COMPANY REPORTS. Attaching the XXXX  company response.