davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-15
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (TX)

Back in XXXX of XXXX, I received a notification from my credit bureaus that a collection trade was posted to them. I was never sent any communication ( either by mail, email or calls ) that my credit reports were going to be hit with a collection item. I called the collection agency and they stated that they were representing an apartment complex that my son was living at. My son gave the complex notice that he was moving out due to unsafe surrounds and unsafe health issues. At no time did the apartment complex give me notice that they were going to send me or my son to collections. The negative trade line has severely hurt my credit score.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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 2023-10-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (CA)

I am qualified and approved for the SAVE plan, which sets my monthly payment at ~ {$180.00} a month. I have registered this with FederalStudentAid.gov.

Recently, my loan provider was switched to Mohela. Even though I am approved for the SAVE plan, Mohela reverted to outdated information, which almost doubles my monthly payment. I went through and I reapplied to the SAVE plan through Mohela 's website ( even though they should already know that I'm on that repayment plan ), and the website verified that I should be paying the ~ {$180.00}. Despite that, Mohela charged me the higher amount based on the outdated repayment plan on XX/XX/23. In order to talk to any customer support from Mohela, there is a 120+ minute wait on the phone -- I live on the west coast , and their hours are only east coast working hours, meaning it is next to impossible to reach them by phone. This is ridiculous and I can not believe that this company is being allowed to operate and charge student borrowers more than they should be able to, especially considering how hard this debt crisis is hitting the average person.
Consumer complaint received 2024-07-12
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. (FL)

Hi Experian, I don't know what is going on because I just checked my credit report and can not believe what I see. I found this fraud account opened without my knowledge and shall delete from my credit report. I spoke with the fraud team from XXXX XXXX XXXX and she told me since this account was opened due to fraud, she will closed it out. I was told that I have the right to delete this fraud account from my credit report. Account number XXXX is fraud and I would like to use my right to delete this fraud credit card from my credit report.
Consumer complaint received 2023-09-15
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)

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 2023-06-21
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. (MD)

A loan through XXXXXXXX XXXX was paid off on XX/XX/2023. I sent in a bank statement to all three credit bureaus showing the balance was paid off {$1900.00} on XX/XX/2023 but when the dispute is returned to me it keeps stating nothing has changed and that I still owe the entire balance. and was verified by the lender which I find ridiculous. I am working with a mortgage lender trying to raise my credit score. but this is impending my progress. I need this resolved asap.
Consumer complaint received 2024-07-02
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. (FL)

I have items passed on that should be taken out or blocked. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-12-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Fairway Independent Mortgage Corporation (CA)

Around XX/XX/2023 I tried to get a pre approval from Fairway Mortgage Co. in XXXX, Ca. During the application process the loan Agent did a hard inquiry on my credit report instead of a soft pull. It was my understanding that they would do a soft pull first and a hard pull in escrow. After the loan agent miscalculated my approval and I was not able to purchase the home and had a bad feeling about using them. 
So I decided to go another route and when the soft pull was done I found that my score had dropped XXXX points and was going to be there for at least two years. This is my first time trying to purchase a home and felt taken for granted. I have been working hard to improve my credit and would like to purchase a home in the future with out this mark keeping me from doing so. Because of this inquiry I will not be able to purchase a home unless I use Fairway Mortgage Co. 
My financial plan is to rent one more year, get this mark removed and pay off some debit so I will be ready to purchase a home in the near future. Please fill free to call with any questions.
Consumer complaint received 2023-10-25
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: Fay Servicing, LLC (CA)

I have been dealing with Fay Servicing for about 2 years. My father passed away and I took over his loan payments. The first year there were no issues, then without notice the company stopped accepting my payments. Ive provided court probate documents and the company still wont work with me. As a result they have sent employees to place letters on the fence of the home in question ( stating the house was vacant or abandoned ) which resulted in the house being broken into. They also sent a third party property management company to remove the fence to the home so that a pad lock could be placed on the front door! They have been nothing short of a nightmare!! Please help
Consumer complaint received 2023-08-02
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. (DC)

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$14000.00} : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX XX/XX/2022
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have received repeated emails from companies called XXXX XXXX XXXX XXXX XXXX I do not know who these companies are and I do not have an agreement/contract with them. 

Per the 15 USC 1692g validation of debts. I do not recognize how these accounts are reporting on my credit report.

I do not recognize the account numbers, I do not recognize the account status, I do not recognize the account high balance, nor do I recognize the late payments associated with them. Everything reported here does not meet the FCRA.
Consumer complaint received 2023-08-25
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: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DEPT OF ED/XXXX XXXX XXXX : {$130000.00} DEPT OF ED/XXXX XXXXXXXX XXXX : {$130000.00}
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

A validation was sent out about the alleged account. Plus the company was reporting to all three credit bureaus wrong I found 6 items that were not reporting the same. The letter that was sent out from the company was not validation. Based on USC code the company did not furnish any creditable information. Company has caused damages where I was denied a home loan. Since there is in fact punitive damages XXXX XXXX is held under 15 USC 1681n.
Consumer complaint received 2023-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NV)

I have sent numerous emails to Nelnet requesting the following : acknowledgment of my payments which exceed my amount due since the resumption of payments ( 3 full payments made with only two having been due ), refunding of an automatic debit which I attempted to cancel multiple times without success due to their website crashing on every attempt, change my account status from past due to current, and ungroup my loans so that I can allocate my full payment to the highest interest loan thus paying off my loans sooner and with less interest paid and not be listed as past due. They claim to offer email and chat customer service, however they refuse to acknowledge and accommodate my simple, reasonable requests ( which a previous email reply from them stated were within my rights as a borrower ) without me calling them on their obscenely inefficient phone customer service line that has limited availability hours and forces customers to wait 90 minutes on average to reach a representative only to be told the website has a mind of its own and that they cant do anything to assist. They simply cut and paste a reply stating their refusal to communicate with me via any other channel than telephone. Their website will no longer allow me to process a payment toward my highest interest loan which their website states is legal and acceptable, without paying toward other loans that they have erroneously marked as past due. This is a clear attempt to frustrate me into giving up without them having to correct their mistakes, accommodate my simple and reasonable requests that are within my legal borrowers rights, or be held accountable for their poorly designed and administered website and criminally inefficient phone customer service system. This is a clear case of negligence and incompetence on their part which is having a substantial detrimental effect on my financial wellbeing and mental health.
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: EQUIFAX, INC. (FL)

I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining account needs proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the account here : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$530000.00}. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update this disputed account. Please forward me the name and addresses of persons contacted. Fifteen ( 15 ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the account must be promptly updated according to Section 1681i ( a ). Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please notify me when the account has been updated. Once this has been accomplished, please forward me an updated copy of my credit report to the address provided.
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. (NY)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-06-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Mercari, Inc. (TN)

On XX/XX/23, I attempted to withdraw my earnings I had made from two separate sales I completed on Mercari. Mercari is similiar to XXXX. Despite the fact that their website says that identity verification is not required in order for a seller to withdraw their earnings via direct deposit transfer, Mercari is requiring me to submit identity verification documents in order to withdraw my earnings. They currently have my account restricted leaving me unable to access any of my earnings available in my mercari account, a total of {$180.00}. I have submitted identity verification documents now three times, the first two times they said it couldnt be verified since they claimed my id photo on my drivers license didnt match my selfie. Finally the last time I submitted the requested documents, I had gone to the DMV and gotten a new drivers license with an updated photo. I was also required to verify personal information such as my social security number, address, and date of birth. All of which was verified correctly. On XX/XX/23 I submitted my identity documents via the app and received an email moments after stating my identity verification was successful which should have restored my account access to non restricted. Except for whatever reason my account is STILL limited leaving my unable to withdraw my money and says my identity verification is under review. This is absolutely unacceptable and totally illegal what they are doing. I have not violated any terms of the user agreement, I have provided all requested identity verification documentation, verified personal identifying information, all of which is more than sufficient proof to verify someones identity. Especially considering none of that is even required in order to simply transfer my earnings via direct deposit. They are wrongfully holding my money which is owed to me and threatened to close my account with my balance. This seems to be a common practice of Mercari, illegally and wrongfully withholding users earnings without any legitimate reason. I need someone to speak to Mercari on my behalf bc their support agents have not been helpful and have only repeatedly told me to resubmit the same documents which I have already sent in numerous times. There is no reason if I received a notification and email from Mercari saying my identity verification was approved that the app should still list my account as restricted. When I try to withdraw my balance it says I need to verify my identity but as I have said, I have already done that. They have now illegally held my money for over a month and I desperately need access to my earnings which are legally owed to me. The support agent who has been in touch with me is named XXXX XXXX and the other is named XXXX XXXX I would like to have full access to my Mercari account and have this ridiculous restriction on my account removed so that I can finally transfer my money off off their platform. Screenshots are included.
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. (TX)

XXXX XXXX XXXX Account Number - XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

Good afternoon, My name is XXXX XXXX XXXX. I am writing to complain about RESURGENT. This is not my debt and they are inaccurately reporting on my credit report as a collection. I find it completely unfair and illegal. I think they should definitely get some type of fee charged because they haven't even validated this debt with me and because of their inaccurate reporting, are stopping me from acquiring a house/car. 
Please have them fix this. Thank you.
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. (FL)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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. (FL)

Currently I am being represented by a team of lawyers who are working on litigation against your company. I have to personally speak to you directly before you are served in federal court. FCRA 605 B is a federal law that is supposed to be enforced by the credit bureau and banks when you have the necessary documents to get the information suppressed by the three major credit bureaus. But when you fail to provide your fraud representatives with proper information about the law. You have set your standards before the law and have failed to comply in any manner whatsoever with any intent to follow the laws that you are governed by.