davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

In reviewing my consumer report, I discovered that it contains information that does not belong to me. Specifically, there are accounts and personal information that I have never authorized or opened, indicating possible identity theft or an error. I immediately contacted the Credit Reporting Agencies ( CRA ) to address this issue and requested all relevant information and documentation regarding these accounts. Despite my efforts, the CRA has failed to provide the requested information, leaving these incorrect entries unresolved on my report. This has negatively impacted my credit score and caused significant XXXX. I am reaching out to you because of violations under 15 U.S. Code 1681n and 15 U.S. Code 1681o.
Consumer complaint received 2023-12-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IN)

XX/XX/23 - called to inquire about correcting name and setting up special pay instructions. Requested payment is applied proportionally to all loans rather than only to the loan with the highest rate. 

Payment is scheduled for XX/XX/23 but was pulled from my account XX/XX/23. All website information says payments are applied as directed within 48 hours. Called XX/XX/XXXX to inquire about updated name and payment application. Nelnet representative indicated they were behind and that it would take about a week to get information updated. She also indicated that every payment going forward would need to be manually adjusted to reflect special pay instructions as it the system was not capable of automatically applying and following the special instructions. 

After tracking payment status over the next several weeks as of XX/XX/23 the payment still has not been applied as directed. I waited on hold for 2 hours and 25 minutes to discuss this with a Nelnet representative. She told me that it will take 5-6 business weeks from date of payment to get this applied correctly. She also said that the XX/XX/XXXX was initiated prior to the pay instructions, though that is contraindicated based on my time line above. Payments can initiated 3 days before payment date, so the payment could have been initiated approximately on the XXXX ; I made the change by XX/XX/23 ( if not XX/XX/23. ) She also contradicted was the representative told me on XX/XX/XXXX, that going forward the system will apply the payment correctly. 

After having to call multiple times in a few months with no results, and never needing to call my previous servicer, I am not confident in Nelnet 's ability to appropriately and accurately service my loan. They are clearly overwhelmed and not prepared for servicing loans.
Consumer complaint received 2022-12-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

I have a Mortgage with Carrington Bank and I have made every payment on time every time up until the pandemic hit. We were offered by Carrington Forbearance on the loan and we were advised at the time that when the forbearance period was up they would add the time we didn't make payments to the end of the loan. This would be perfectly acceptable to us. Our daughter used forbearance and her company made it very easy for her by simply adding on the missed payments to the end of the loan very simple process. Suddenly in XXXX of this year without any notice guidance etc., we received notification we needed to catch up ALL missed payments. We immediately began making payments again and we were advised we had to pay $ XXXX immediately to avoid foreclosure. We paid the $ XXXX. We were basically threatened with foreclosure on day one of being notified payments had to resume and payments missed were now amount due immediately. Several calls and we got in touch with XXXX at Carrington. He advised us to take advantage of XXXX  XXXX the XXXX program which would pay the balance to get us caught up. We applied same day followed every request to the T and we've been in a runaround for 4 months now. I have emails to prove above.
Consumer complaint received 2023-06-21
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. (PA)

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. Act Name : XXXX  XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX 's, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX XXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. 
To Whom It May Concern, I am writing to dispute a discrepancy that I have discovered in the PAYMENT HISTORY section of my credit report related to the following charged off account : XXXX XXXX XXXX - XXXX XXXX XXXX/ XXXX  XXXX XXXX XXXX/XXXX/ XXXX I have noticed that this account is still being reported as having a payment history each month when it should not since this account is being charged off. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. 
As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. 
Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. 
Thank you for your attention to this matter. 
Sincerely, In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights Act Name : XXXX  XXXX XXXX, Inquiries : XXXX  XXXX, Inquiries : XXXX, Inquiries : XXXX  XXXX, Inquiries : XXXX XXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 )
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I've been a victim of identity theft. My information was exposed to the public in the Equifax and XXXX data breaches and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Consumer complaint received 2023-12-07
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. (NY)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-26
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. (NY)

XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card XXXX XXXX XXXX Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX XXXX  XXXX : {$700.00} {$700.00} {$0.00} Credit Limit : {$500.00} {$500.00} {$500.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Credit card Amount in XXXX  column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I will not accept your attempt to downplay my identity theft claim as a mistake or misrepresentation of essential information. WHO HAS GIVEN YOU THE AUTHORITY TO DECIDE WHAT CONSTITUTES A SIGNIFICANT FACT? YOU ARE NOT A JUDGE, A JURY XXXX ANY POSITION TO MAKE SUCH JUDGMENTS! Your right to do so is non-existent. My distress arises because I have fallen victim to identity theft, a criminal act that has caused me severe emotional and financial turmoil. However, the response from your bureau, or rather the lack thereof, has shown a shocking disregard for the urgency and seriousness of my situation. Let me be perfectly clear : I will not tolerate the indifference and apathy I have encountered so far. As an identity theft victim, I have suffered from unauthorized accounts and transactions that have tarnished my credit profile and jeopardized my financial stability. The consequences have been severe, impacting my ability to obtain loans, mortgages, and even job opportunities. My rights as a consumer must be upheld, and justice must prevail. PLEASE DELETE THESE ACCOUNTS : XXXXXXXX XXXX XXXXXXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX & XXXX XXXX  XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

see attached I am writing to bring to your attention certain inaccuracies that persist on my credit report despite your prior investigation. These erroneous items are negatively impacting my credit standing, which consequently affects my ability to secure favorable credit terms. 
Here are the specific items in contention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I kindly request an immediate re-investigation of these matters, and urge you to rectify any errors as soon as possible. 
In adherence to the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611, Subsections A-D, I am requesting disclosure of the names and business addresses of all parties who have verified these contested items. This will allow me to follow up directly with them if necessary. 
Upon completion of your re-investigation and any resulting modifications to my credit report, kindly forward an updated copy to my address listed above. 
The FCRA mandates that all disputed information that can not be verified must be promptly removed from my credit report. It also permits me to seek damages in court if you fail to comply with federal law. 
I appreciate your swift and cooperative response to rectify this situation. It is my hope that we can resolve this issue amicably and in accordance with federal regulations. 
Thank you in advance for your immediate attention to this matter.
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: EQUIFAX, INC. (NY)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated My rights 15 u.s. c 1681 section 602 A states I have the right to privacy. 15 u.sc 1681 section 604A section 2 : it also states a consumer reporting angency can not furnish a account without My written instructions
Consumer complaint received 2024-06-06
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. (FL)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-07
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. (FL)

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXXXXXX Requested On : XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX  Requested On : XX/XX/XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX Requested On : XX/XX/XXXX
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

The company told me that i was approved for a loan They asked for my account and routing number, I waited hours then looking at my account it should be - {$400.00}, but now its {$65.00} because they reversed or disputed a lot of my transactions to make my account updated
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 
XXXX XXXX XXXX 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 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am disputing and investigating these wrong accounts on my credit file. I should get {$1000.00} for each mistake under the Fair Credit Report Act. FCRA 605B says we must report wrong accounts on a credit report.
Consumer complaint received 2023-05-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I had a car lease and a car loan with XXXX XXXX. It was paid on time and in full. My credit score was lowered due to no record of an installment loan or mortgage. The credit agencys information is incorrect since Ive had a lease and loan This does not show on my credit report. I have a notarized letter from XXXX stating I paid in full and on time. The credit agency refuses to accept it from them stating that they did not originally report it to them.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX Dear sir, I have received an email from your court, District Court of New Jersey on XX/XX/XXXX of XXXX regarding the closed/terminated case, XXXX XXXX TransUnion, LLC. As far as I remember, the case was terminated on XX/XX/XXXX by your side without any notice to the person, XXXX XXXX, who was asked to file by the court and filed with required fee of {$400.00}. Since the case was terminated by the court on XX/XX/XXXX, I consider the letter, which I had sent after it, should not be included due to the termination of the case itself. There was a question why the docket text on XX/XX/XXXX said the civil case was terminated. As far as I understand there are XXXX court varieties in the XXXX countries, those are civil case and criminal case. Since the docket said civil case was closed, it must mean the criminal case was on. Since the case should relate with TransUnion, the TransUnion should have committed some criminal activities against XXXX XXXX. From my knowledge and experience, I had many hackings, illegal usage of my credit cards by the third person/parties, illegal data breach and falsification by several American credit companies including TransUnion, XXXX movements on my dental and other insurance companies, and other things. Therefore, in this case, the TransUnion should have committed some illegal data breach and falsification on my personal information which resulted into identity theft along with the XXXX, which admitted the data breach and identity theft of mine. It might mean XXXX might have ended up criminal charge ; therefore, it might have started data breach settlement for me to avoid the criminal case relating with XXXX. Even though I have written as above, your court has not expressed anything on my case ; therefore, it is not clear. Anyway, since the case is closed and must be meant a criminal case, which might mean beyond your jurisdiction, I request the refund of fee of {$400.00}, which was paid for your service. I need to remind that the documents filled by me was sent by the court ; therefore, I can ask the refund and the court has the responsibility to refund. 
Sincerely,
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

As XX/XX/2023 I have submitted complaints of wrong addresses on my credit report that I have not lived there nor had a lease there. XXXX, Equifax, XXXX are refusing to remove addresses that I've never lived. This fraud to have and address on my account and I can't remove it I request that all three Bureaus show proof I lived at these addresses. This an action of noncompliance refusal to remove inaccurate information. I don't want my personal information being reported to an address I never lived at. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (LA)

I purchased a home XX/XX/XXXX for {$59000.00} and I have only been late on payment XXXX time ( XXXX days ). I recently looked at my mortgage statement on XX/XX/XXXX and my balance is showing {$64000.00}. I have called and spoke with several people, I have been transferred to several departments, and even asked to refinance and put my appliances under warranty. I went as far as going downtown to get my original deed and suggesting that I fax it over so they can correct their mistake. The lady transferred me again and stated that the escrow department is closed and call tomorrow. I can say that everyone that I have been transferred to in the past week as been polite, but has not been helpful. They have offered others warranties, refinancing, and shopping for other home insurances. Now it almost XX/XX/XXXX and I still have not received a phone call back regarding how I purchased a house in XX/XX/XXXX for {$59000.00} and now it is XX/XX/XXXX and I owe {$64000.00}. Also when I called back in the earlier part of XX/XX/XXXX this year to inquire about this matter, I then receive my XX/XX/XXXX and XX/XX/XXXX mortgage note and it had XXXX. I pay $ XXXX/month and now my statement is saying $ XXXX/month. Please help me to understand what is going on. Thank you.