davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted a complaint last XX/XX/2023 for the removal of the unauthorized and fraudulent inquiries but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent inquiries and for assistance to remove them from my credit report immediately. I am not the one who initiated these inquiries. They are not mine.
Consumer complaint received 2024-04-19
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: Experian Information Solutions Inc. (VA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

The items listed below are reported on my personal credit file and were found in my reports with XXXX 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 in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with 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 Balance : {$0.00} 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Subject : Request for Security Freeze on Credit File I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. Below is the information necessary to process this request : Full Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Date of Birth : XX/XX/year>XXXX  Social Security Number : XXXX
Consumer complaint received 2024-07-22
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. (CA)

I just got me a copy of my credit report and I found some stuff that is not right. From what I have been told, you have to verify anything I think is not right. Please do one of investigations on the accounts that I listed above and mail me results. On the internet it says you must finish within 30 days, so I will wait until then The follow needs to be verified : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

I had a revolving balance of {$66.00} per month that was set to auto pay. My existing auto pay card expired and I updated with a new card. The new card was not linked to the account and therefore led to late payment. When I was notified I paid the balance in full, but was dinged with a late payment. Efforts to contact the company have been left unanswered and deferred. No calls have been made back to me or effort to remove the derogatory remark from my credit report.
Consumer complaint received 2024-04-19
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. (GA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Date of inquiry : XX/XX/2023
Consumer complaint received 2024-04-19
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. (CA)

The three main credit bureaus, namely EXPERIAN, XXXX, and XXXX, have reported a negative account from XXXXXXXX XXXX on my credit file. However, this account and balance do not belong to me. I have already attached a letter from XXXXXXXX XXXX stating that after their thorough investigation, they have confirmed that this account is not mine and that it will be removed. Despite sending this letter multiple times, the negative fraudulent account remains on my credit file. Additionally, I have also submitted and attached the FTC report. XXXXXXXX XXXX has been violating rules under the Fair Credit Act and Disability Rights, continuously refusing to properly resolve and correct this matter. I have been patient and waited for their response, but they have not taken any action yet. n patient and waited for their response, but they have not taken any action yet.
Consumer complaint received 2024-04-19
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)

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.
Consumer complaint received 2017-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TN)

I have a complaint on file submission number  XXXX  against Nationstar Mortgage and  XXXX    XXXX   XXXX   XXXX . My property address is  XXXX   XXXX   XXXX   XXXX , TN  XXXX . Nationstar Mortgage received a certified copy of my complaint on  XXXX   XXXX ,   XXXX   and  XXXX    XXXX   XXXX   XXXX  received a certified copy of my complaint on  XXXX   XXXX ,   XXXX  . Neither provided any written response to my documented complaints. Today  XXXX   XXXX ,   XXXX   I discovered that  XXXX   XXXX   XXXX   XXXX   has filed trustee 's deed paperwork in the Tennessee  register of d eeds office   XXXX   XXXX   XXXX   dated  XXXX   XXXX ,   XXXX   suggesting that they have foreclosed on my property and that the property has been sold to  XXXX   XXXX  -BACKED PASS -THROUGH CERTIFICATES   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  AS TRUSTEE for {$72000.00} as the highest and best bid offered and deed of trust transferred to the same. They allege that said sale was postponed until  XXXX   XXXX ,   XXXX   and I received no written notification or other correspondence from  XXXX   XXXX   XXXX    XXXX  n or Nationstar  that there would be a foreclosure sale on that date. They have committed fraud and conversion against me and used deceptive tactics in an attempt to rob me of my home. I further do not believe that there was a legal, public, foreclosure sale held in reference to  XXXX   XXXX   XXXX   XXXX , TN  XXXX . I have not voluntarily granted the deed to my home to any entity and I have received no correspondence addressing my previous complaints, nor indicating that any deed transfer would take place on  XXXX   XXXX ,   XXXX  . Their actions are malicious, deceptive, and violate the Fair Debt Collection Practices Act.
Consumer complaint received 2023-08-30
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. (IL)

I recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I do not have any idea regarding these fraudulent accounts on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately.
Consumer complaint received 2024-01-06
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (WA)

I have top tier credit. I have been having this card for over XXXX years as I use it for my business. It went from XXXX XXXX dollars to XXXX in one day as they reduced my credit without notice. I have a credit score of XXXX with no missed payments. I use this card for business and now the limit is too low and they can not explain to me why they did so
Consumer complaint received 2024-04-19
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. (FL)

I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you inves gate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Repor ng Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit repor ng agencies must conduct a reasonable inves ga on upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for inves ga ng my dispute is not only unnecessary but also places an undue burden on me as a consumer. 
I expect you to adhere to the FCRA 's guidelines and conduct a thorough inves ga on into the unauthorized inquiries without requiring any addi onal reports from me. Failure to do so may result in further ac on on my part to ensure my rights under the FCRA are upheld.

Please acknowledge receipt of this leter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as s pulated by the FCRA.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Equifax, XXXX and XXXX has declined my request to remove outdated addresses from my credit report which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX And I wish to add my current address which is : XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-07-29
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. (KY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

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 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 2024-04-19
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. (DE)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (FL)

I am writing to dispute the following information in my credit report as provided by your agency. I have reviewed my credit report and found inaccuracies that need to be corrected under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681.

The item ( s ) I am disputing are as follows : 1. XXXX XXXX XXXX 2.National Credit System According to 15 USC 1681i ( a ), you are required to investigate my dispute and correct any inaccuracies within 30 days of receiving this letter. 

Please reinvestigate and correct the disputed information at the earliest, and provide me with a written confirmation of the outcome. Additionally, please send an updated copy of my credit report once the inaccuracies have been corrected. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$310.00} XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-05-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (MD)

Planet Home Lending , LLC as servicer of my mortgage loan is charging me {$3600.00} in " total fees and charges ''. Planet has itemized fees on the mortgage statement totaling {$2300.00}. That leaves over {$1200.00} in fees that were never reflected as owed or charged on my monthly mortgage statements. 

There also appear to be duplicate fees/costs charged as far as attorney fees and " foreclosure service cost '' which I dispute as a legitimate fee or cost. 

I was charged {$150.00} for " foreclosure sale costs '' when there was no foreclosure even scheduled for the property as I opted for mediation. The foreclosure case was dismissed in XX/XX/2023, as I received XXXX funds. I believe that Planet over inflated the fees/costs since XXXX was XXXX the payment. 

I requested all XXXX party fees/cost be itemized in XX/XX/2023, however Planet has failed to respond to that request.
Consumer complaint received 2023-04-04
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. (DC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$420000.00}, XXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I recently reviewed again my XXXX, Equifax and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I purchased furniture from XXXX XXXX  they assisted me in taking a loan out from XXXX XXXX XXXX. I have never received my furniture. I have been giving the run around between these two companies to retrieve my money. No luck at all. So I contacted Bank of America and disputed the claim. I was told more than once that if the problem wasnt resolved by XX/XX/XXXX that I would receive a credit. XX/XX/XXXX came I called Bank of America again after being told that you were open by a bank associate and you guys were clearly closed. So Monday XX/XX/XXXX I called and now they are telling me Im Not eligible for a credit. How is this possible or fair to me when I was told BY MORE THEN ONE ASSOCIATE that I would receive a credit on XX/XX/XXXX???? Why was I told this if it wasnt true?????? This has inconvienced me so bad. They refused to give me customer relations contact info.
Consumer complaint received 2024-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC (FL)

In XX/XX/2023 Specialized Load Servicing LLC paid property taxes on XXXX different parcels out of my escrow account, a total of {$10000.00}. The total should have been {$6000.00} for the parcels I own. As soon as I received my XXXX statement, I called them to have this corrected so it would not affect my monthly payments too much by time the adjustments came out. Now starting in XXXX, escrow adjustments have been made changing my monthly payment from {$2700.00} to {$4100.00} since I am still be charged with paying for property taxes on property I do not own. I have reached out multiple times and was told the issue was being resolved and to ask for a new escrow analysis. I did receive the new analysis and nothing has been corrected or change. This is now affecting all my finances besides just the mortgage.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (ND)

My student load with XXXX was completely forgiven as of XX/XX/2023. It still has not been reported to the credit bureaus as forgiven or paid. I've emailed XXXX and filed a dispute with Experian to no avail. Thank you. 
XXXX XXXX
Consumer complaint received 2024-04-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (PA)

In XXXX I was notified by the federal student aid site that I qualified to apply for the borrower defense program. I completed the application and incorrectly marked the box requesting no forbearance, when I wanted to do forbearance until the decision was made on my application. I immediately contacted the federal student aid borrower defense office and was told that I would have to now do the forbearance through the student loan servicer. I found that my servicer was changes from XXXX to Aidvantage last year so I reached out the Aidvantage and spoke with a representative and I was told that she would put the forbearance on my account. In XXXX of 2024 I begin to receive bills, so I was reaching out to both the borrower defense and aidvantage offices. I finally got someone a couple of weeks ago at Aidvantage who told me she would take care of it since she saw I had been trying to resolve this since XXXX but when I realized I didn't quite understand, and she didn't actually confirm the forbearance I called back the following Monday to confirm and was told that there was no forbearance put on my account. The final representative who helped me told me she could put a forbearance on my account, but I would have to apply for the forbearance monthly before my payment was due. I don't understand why I can not get a full forbearance with this company until the borrower defense application has gone through the process.
Consumer complaint received 2024-04-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MO)

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 XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I purchased furniture from XXXX XXXX they assisted me in taking a loan out from XXXX XXXX XXXX. I have never received my furniture. I have been giving the run around between these XXXX companies to retrieve my money. No luck at all. So I contacted Bank of America and disputed the claim. I was told more than once that if the problem wasnt resolved by XX/XX/XXXX that I would receive a credit. XX/XX/XXXX came I called Bank of America again after being told that you were open by a bank associate and you guys were clearly closed. So Monday XX/XX/XXXX I called and now they are telling me Im Not eligible for a credit. This has inconvienced me so bad. They refused to give me customer relations contact info. Please help me