davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
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: EQUIFAX, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-05-15
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. (IL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2019-06-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (GA)

I called Ditech to request an Escrow Analysis on XX/XX/2019 do to state tax exemption for XXXX persons. I was told that it would take 5-7 business days to complete. I called several times after the 7 business days and then I was told it was not processing and I would now have to wait 60 days prior to requesting a new Escrow Analysis. I live in Georgia and my state law requires mortgage companies to complete Escrow Analysis within 30 days.
Consumer complaint received 2019-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

I processed two payments using the XXXX application on XX/XX/XXXX in the amount of {$500.00} each. The XXXX app indicated a problem occurred and to try again later. The recipient of these funds has never received the money. However Fifth Third Bank has deducted the funds from my checking account. I placed a dispute on XX/XX/XXXX. My claim was denied on XX/XX/XXXX. I contacted the bank and reopened the claim with supporting documentation from XXXX to verify the funds transfer did not take place. The claim was denied a second time on XX/XX/XXXX. I contacted the bank and reopened the claim a 3rd time and offered a case number provided by XXXX so the bank can contact XXXX to confirm my transfer did not process and the recipient has not received the funds. The bank states they have information that the recipient received the funds. However, they are not able to provide details on how they have verified this. They keep instructing me to contact XXXX and find out where my funds are. I have done this three times and each time XXXX has confirmed the funds did not transfer. The bank should be able to easily verify with the debit card issuer, MasterCard, to confirm the details of this transaction. It is now XX/XX/XXXX I was am still waiting to receive a credit for my {$1000.00}. Each time I call Fifth Third Bank I seem to get a run around with no resolution. I am told over and over the recipient has received the funds. However, no one can tell me how this was confirmed. I have verified several times with the recipient and the person has never received the funds. I am at a loss and I am not getting anywhere with the representatives at the bank.
Consumer complaint received 2015-10-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TN)

My experience with Nationstar Mortgage has been a nightmare from the very beginning they purchased my loan from XXXX XXXX XXXX. XXXX XXXX XXXX was taking XXXX mortgage payment out of my checking account on the XXXX and the XXXX of each month only charging me {$4.00} additionally per withdrawal. I phoned Nationstar Mortgage to set this same type of payment plan up, was told I had to pay {$290.00} up front then they would take out XXXX a payment every two weeks to pay my mortgage off early. Which would have been great if I could afford to do, but not feasible for me and I could not understand why I had to pay them {$290.00} up front to get their payment. I then fell behind on my payments due to medical bills and other hardships, applied for a forbearance sometime last year only to be denied. I have asked them to do a 3 month deferment to try to get back on track so I can keep my home, but have only been told no to anything I have tried. I have tried forbearance, asked for deferment, asked about refinancing under a XXXX Loan, and even refinancing, was declined on all. When anyone calls me from Nationstar Mortgage it is always someone who can barely speak XXXX, they do not leave a message on my phone when I am unable to answer due to being at work. I have never experienced such a nightmare regarding a mortgage company. Nationstar Mortgage has called me on several occasions before XXXX and after XXXX. many times when they call they hang up without even speaking to me. They will call me and hang up as soon as I answer the phone. This is a nightmare and doing the best to keep my home which I owe far more than the home is worth.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

More than XXXX issue. The information on my credit was merged with someone elses because our social security numbers differ by XXXX digit. I got his bad credit on my credit and it affected myself and family greatly. Had to call and report items for over a year and it was finally removed all of the items but my credit is bad still due to this even after a year or XXXX. 

The other issue is I have disputed a lot of other items on my credit as well and they are not removed. Along with negative items that were not removed and stayed on for longer than allowed. Which affected me in getting another vehicle.
Consumer complaint received 2015-10-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MO)

I paid off my mortgage with NationStar on XX/XX/XXXX2015. I received a letter 2 weeks later telling me that I would receive a check for my remaining escrow money XXXX {$680.00} XXXX as well as a check for overpayment on the mortgage XXXX {$99.00} XXXX. 
I was not sent either check. After contacting NationStar several times via their website, I was given a phone number to call for customer service. After a conversation on XX/XX/XXXX/15 I was told that I would be sent both checks and would receive them in 7-10 days. On XXXX/XXXX/15 I received the check the mortgage payment. By XXXX/XXXX/15 I had not received the Escrow check and contacted NationStar again. I was told that the dispersal of the check was 'denied ' by someone in the company, but the customer service reps did not know why. I was told on XXXX/XXXX/15 that the issue would be handled right away and the check would be expedited. I was due a call-back on the XXXX. I did not get the call back. It is well over the 30 days that Nationstar is allowed by federal law to return my escrow money and I have no faith that I will be returned this money.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CapitalJ Inc. dba Juno (TX)

I have been using Juno as my bank, This past wednesday, XX/XX/XXXX, I was supposed to recieve my normal deirect deposit paycheck. I had bills scheduled to come out of my account on XX/XX/XXXX. My deposit never made it although my company already submitted for direct deposit. My phone bill had been behind due to some unexpected vet bills so i made a payment arrangement with XXXX 

When the money wasnt in my account I notice Juno is having some sort of dispute with XXXX XXXX XXXX XXXX and all cash has suspended, I also see the disclamer telling all direct depoisits will be sent back to issuer. Being time of the essence, I tried calling Juno.Phone conversations not available. I wrote a few emails that I finally recieved a generic response. I asked when I could expect my companies account to recieve my check back so they could redirect it to another account, Nothing has been shared. this link was provided in the generic message. It now has been almost a week and I have no money. I had to borrow against my next paycheck whatever was coming to me to pay the phone bill as it was scheduled to be shut off. I am now in a very desperate situation as more bills are being missed. one being my car payment. Please help me get the4se folks to help me find the money that is very much needed in a timely manner,
Consumer complaint received 2023-06-05
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. (AR)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding an error on my credit report. I recently reviewed my credit report and noticed that there is a bankruptcy item listed that is not accurate. I have never filed for bankruptcy, and this item is negatively impacting my credit score and my ability to obtain credit. 

I contacted the credit reporting agency to dispute this error, but they have failed to correct it within the XXXX timeframe required by law. I have provided them with documentation showing that I have never filed for bankruptcy, but they have not taken any action to remove the erroneous item from my credit report. 

I am frustrated and concerned about the impact that this error is having on my credit score and my ability to obtain credit. I am requesting that the credit reporting agency immediately remove the bankruptcy item from my credit report and take steps to ensure that this type of error does not happen again in the future. 

Thank you for your attention to this matter.
Consumer complaint received 2024-05-15
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: EQUIFAX, INC. (TN)

XX/XX/XXXX, XXXX XXXX XXXX XXXX issued me a credit card after I financed a vehicle through them. I have paid both accounts exemplary since the accounts were opened. On XX/XX/XXXX, the credit card account was closed without my knowledge. I only obtained this information when I called to make XXXX XXXX  payment and was transferred to the collections department. Collection manager, XXXX, explained that the indirect lender manager, XXXX, closed the account, apparently due to XXXX and myself having a disagreement. To talk about my account, I have to talk to the collection department. I have never missed a payment or been late. Personal reasons should not be a professional reason to close my revolving account that is paid exemplary every month, which would continue to help build my credit. I have disputed this through the XXXX, in which i recieved an email from them stating that the dispute was closed due to not responding within 7 days of supposedly recieving XXXX XXXX XXXX XXXX XXXX response that they sent via mail. I never recieved that correspondence through the mail. This is extremely unprofessional and is negatively affecting my credit.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Last week on the XXXX of XXXX I call Equifax and spoke with a agent named XXXX around XXXX she never informed me that the call was being recorded once she answered the phone
Consumer complaint received 2024-05-15
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. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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 2024-05-15
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: Experian Information Solutions Inc. (FL)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 2024-05-15
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. (MO)

I HAVE DISPUTED THIS ON THIS DATE, AND SENT THEM THIS LETTER ON XX/XX/2024. UNFORTUNATELY, THE INCORRECT INFORMATION AND ACCOUNT ARE STILL SHOWING. 

XXXX : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX  XXXX Account Number : XXXX 15 U.S.Code 1681c ( f ) consumer reporting agencies failed to put a notice of dispute after 30 days of my dispute on this account.

Experian : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX  XXXX Account Number : XXXX 15 U.S.Code 1681c ( f ) consumer reporting agencies failed to put a notice of dispute after 30 days of my dispute on this account. 

XXXX : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX  XXXX Account Number : XXXX 15 U.S.Code 1681c ( f ) consumer reporting agencies failed to put a notice of dispute after 30 days of my dispute on this account.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (UT)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal Credit Union continues to share my private banking information with non affiliates of their company. Navy Federal states in their privacy policy that they will share my personal banking information with your affiliates ( subsidiaries or other companies under common control ) but XXXX XXXX XXXX, XXXX is neither a subsidiary nor under NFCUs control, which makes them a non affiliate. They also failed to provide me with information on who gave them authorization to share my private banking information. This is a direct violation of my rights under Title 15 U.S. Code 6802 and the Privacy Act of 1974.
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I consistently make timely payments. I'm certain about this. What I'm unsure about is why this company is reporting me as late for certain months, which shouldn't be the case. According to USC 1666b, any billing errors should be corrected, or they'll be liable to pay me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-05-15
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: Experian Information Solutions Inc. (MS)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TATICS FROM EXPERIAN.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-04-23
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: NCC Business Services, Inc. (GA)

I, XXXX XXXX have made several attempts with NCC Business services to have a collection account removed from my credit report. They total me the original creditor has to request it removed. In doing my investigation the original co XXXX XXXX never reported to the credit bureau or NCC. The issue is that the account was for an apartment and the account was then added or another person to the account for they were the actual resident. The judgement on XX/XX/2016 made by the judge was granted against the other party and not me. I have sent this company several request asking for them to remove this from my credit report. I even sent them the court disposition, I am getting no assistance in this matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX - reporting inaccurate information and has been of no help. 
NCC Business Services XXXX, Fl -not doing an indebt investigation - regardless of having the court disposition
Consumer complaint received 2024-05-15
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: EQUIFAX, INC. (TX)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.