davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Credit bureau name TransUnion Credit bureau To Whom It May Concern : I sent a request for investigation under FCRA 611 ( a ) to Transunion on XX/XX/XXXX letter was sent ) in reference to the following account ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified the information and would like to receive physical documentation to support this erroneous information FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Transunion has been reporting unverifiable an inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not " DELETED '' from my report. 
Please do not " update '' or " verify '' this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & & physical documentation to support the information that is being reported on my credit report via XXXX mail. Screenshots will not suffice. 
Medical statements will not suffice. Send my actual signature on a contract. As this debt is Not mine. 
I am asking for this verification because my credit score is important to me, and I believe it unjustly degraded as a result of this unfortunate error. I would therefore request that yo send me a template letter in response to this request. I am in the process of planning a need specific answers to the specific questions asked of you in this letter. 

I would like to remind you of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ). These consumers won their case against the bureaus wue to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt collectors ' word. I have faith that your establishment will do the right thing and truly investigate the matter and if you do not have proof the debt is valid then DELETE the information. 

I expect to receive a response within XXXX  days of receipt of this letter, or I will expect to see the question permanently expunged from my record. 


Regards. 

XXXX XXXX XXXX XXXX A DISPUTE LETTER
Consumer complaint received 2024-01-19
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. (MO)

XXXX Equifax and XXXX i have contacted them by mail and phone for my right as a consumer for them to report the following company that is reporting on my credit. 

the following account an date is listed below - XXXX XXXX XXXX -opened XX/XX/2019 amount XXXX 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX and any thrid party financial institution and the Consumer reporting agencies XXXX Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX ( XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. " XXXX XXXX and credit reporting agency Neverinformed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumerreporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records ofconvictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which Is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting
Consumer complaint received 2024-01-19
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-07
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. (TX)

i have incorrect hard inquiries and collection accounts on my report that are not mine and the result of id theft. I have asked the XXXX bureaus to delete them, and they have not after repeated asks by me.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/23, I was notified by bank that they were closing my account. After a couple of weeks, I was told that there was a fraudulent wire sent to my account. I was told that the wire was to be returned and the balance of the funds would be sent to me. I have called dozens of times and visited my local branch several times. No one will provide me with any information regarding the release of my funds. It has been XXXX and half months and my money has not been sent to me.
Consumer complaint received 2022-12-21
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: EQUIFAX, INC. (CA)

I sent a letter on XX/XX/XXXX, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXXXXXX 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 2024-01-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (OK)

I cosigned for a used vehicle un XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who used Credit Acceptance Corporation after 1,2 or 3 months XXXX XXXX of not making the payment Credit Acceptance continued to allow them to get further behind until it was XXXX behind once the XXXX XXXX XXXX  was repossessed i retrieved the car & have not missed a single payment since however since then I have learned how they targeted a low income family by selling them a used car at a new car price they also have been charging an unfair interest rate late fees and they have also settled 3 class action law suits in New York Michigan & Missouri for the exact same reason they also charged XXXX to email paperwork from XXXX XXXX to Credit Acceptance Corporation bringing the financed price from XXXX to XXXX i would also like to add i never seen the car before signing however I honestly believe it was possible only worth XXXX or XXXX XXXX there is so much to say however i will stop here for the moment Thank You XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (FL)

Loan Number : # XXXX Nationstar/Mr Cooper Every time I pay towards Principal the company keeps it in Unapplied Funds. This way they keep on earning more interest from their Clients & this has been happening for years. I am sure they make monies in Billions with such a scam. & inspite of Interest rates dropping, they do not change at a convenient time. Can someone look into this matter seriously please
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2024-01-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Real Time Group, Inc. (MA)

Good Morning, The name of the Company is Real Time Resolutions , Inc . This was for a second mortgage. We were trapped in a Subprime mortgage. We had done a modification in XXXX. Since that date we had not heard from the above company until now. We thought they were included in our modification, never questioned it since we had not heard anything from them until now. They first sent a lawyer after us and once lawyer sent XXXX letters we received a statement from the company. I have been horrified and checked the XXXX XXXX XXXX  and saw several complaints there. My son found this information and sent it to me. They have added thousands and thousands of dollars of interest to this also. They said they are going to start foreclosure on us unless we pay or can apply for a modification for the mortgage which currently with interest it is 3 times the amount of the original which was XXXX XXXX I believe. XXXX XXXX is XXXX of the most recent from the lawyer. I had sent them my modification to show them. They still responded with threats of foreclosure. In XXXX during this whole process which was stressful enough we lost our XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. So needless to say that year was the worst ever. And alot of it is a blur. But we were taken back and thought it was a scam but the letters kept coming. I don't understand at all. If they were not part of the modification why did they wait XXXX years to say or do anything? 
I am just at a loss and could become homeless. I have been trying to put it off and I have read my modification and I really can't tell one way or another. 

thank you so much in advance for any guidance you may have to offer Sincerely, XXXX XXXX
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IA)

I pay my Citi credit card balance in full each month. Citi sent an offer to reduce my interest rate on outstanding balances and I applied. 

This appeared in my statement for my account paid in full : Interest + {$23.00} Billing Period XXXX Interest + {$18.00} Billing Period XXXX I called XXXXCITI ( XXXX ) and they explained that it was interest on the outstanding balance at the reduced promotional rate. I explained that the balance was paid in full each month. They put me on hold, researched the issue, and agreed to credit {$41.00}.
Consumer complaint received 2023-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (WI)

I have contacted EdFinancial several times since XX/XX/2023. On XX/XX/2023, I received information that they placed me on the XXXX plan, which increased my payments beyond what I am able to afford. I asked several times through the email function to remove me from the IDR and place me back on the standard plan. They have responded once, saying if I want to reduce my payments on the XXXX plan, I need to submit other documents. That is not what I asked for. I asked to be released to the standard repayment plan so that I can explore the extended repayment option which would lower my payment and make my budget workable. They never responded. The chat does not work - no live agent. The phone line has XXXX minute wait time. I called several times and asked for a callback. Never received a callback. Never received another customer service message.
Consumer complaint received 2017-02-10
Product: Prepaid card — Mobile wallet
Issue: Fraud or scam — 
Company: Neon Newco Corporation (DC)

I have a multitude of problems with my current prepaid provider, Netspend. 

I have not been able to access my funds in 2 days. It started in my attempt to open a new checking account with XXXX XXXX XXXX who explained do to a low score I could not open a checking account with them. I have an old savings account that I can access and use that so I went in to my current Netspend account and I noticed a different email instead of mine. I attempted to call. I could not be helped since their recovery department was closed. I was told to call back the next day. 

Yesterday I received an unauthorized {$50.00} debit hold on my card. I attempted to log in to my account to see what is going on and my account was locked. I could not access any of my information. I called and again because their recovery department was closed I could not be helped. I was told I have to wait until the morning. I asked to speak to the manager and was put on hold for 20 minutes. 

I again attempted to sign in today with another locked account notification. I have not been reached out to by email/text or phone call to be assisted with this issue. 

I have noticed last year around XXXX and XXXX I was receiving texts of amounts that did not add up because this is my main banking tool I use it for tips and other things. I thought this could be the case in the missing money. As I started to monitor more closely this has not been as much of an issue. I assumed maybe this is hidden fees or whatever the case maybe and have vowed to get out of this ridiculous banking system. 

I have dealt with issues with them in the past from no access to my funds for XXXX10 business days after my card being stolen to ridiculous fees to transfer money during this time I had to wait. after I had to buy another card. 

When I bought this card now I can not transfer to this card because they said it is not possible due to their system. it is XXXX to transfer EVERYTIME! 

At this point this establishment has cost me hundreds of dollars. I would like to have an itemized transcript of my account so that I can rectify any issues and be sure that I am not yet again being taken advantage of as a customer and my money back. 

I was also told that it will take XXXX8 weeks to receive my money in the mail if I close my account with them. for this reason I have held on but I can no longer continue to be abused by this company.
Consumer complaint received 2024-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Account Systems of Omaha, LLC (NE)

The agency keeps harassing me about some debt I have no knowledge of. Ive asked for some type of verification, but they never provided anything. They just say its an auto dealer. Thats it. No contract, no actual details of anything at all. I filed a motion against them and while in court the judge asked him what exactly the debt was for and he responded I dont know. Afterwards my motion was granted and eventually the judge released me from the writ of garnishment, but yesterday I got an email from the guy again! Demanding I tell him things and send him documents and I dont know what hes talking about. I am tired of going to court. He just wont stop bothering me.
Consumer complaint received 2024-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

this accout show that it open and it has a past do balance, this info is completelly inaccurate, please remove this illegal info, its a shame how we let these collection keep on distroying people and nothing gets done
Consumer complaint received 2016-11-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CT)

XX/XX/2016, my mortgage was transfered from XXXX to Nationstar. XX/XX/2016, less than 30 days of taking ownership, Nationstar sent a notice of loan default. The XX/XX/XXXX payment was made to XXXX prior to receiving an account number from Nationstar. I have been receiving debt collection calls from Nationstar demanding a late fee as well as a payment that was made on time to XXXX.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2023-09-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I was contacted by someone claiming to be with XXXX  XXXX XXXX by the name of XXXX XXXX extension XXXX. The number he was calling from was a real XXXX number. He told me a checking account was opened in my name and that they had received some suspicious XXXX transfersnone of which I had ever done. He said my account ending in XXXX was opened on XX/XX/XXXX. He said the last transaction was a transfer to XXXX XXXX for {$980.00} and {$1000.00}. He said there was an ATM withdrawal in New Mexico for {$300.00}. He gave me case no. XXXX. He told me to call XXXX immediately and gave me cancellation code XXXX. He said to call XXXX at XXXX XXXX and to press XXXX for sales support. The number he gave me was a real Wells Fargo number. I called the number and I spoke with someone claiming to be XXXX, names XXXX XXXX of customer Service. ID XXXX. He then had me set up a XXXX recipient as XXXX XXXX on the phone under the premise that I enter the cancellation code into the payment amount and no money would actually be sent. I never consented to sending any money. He also gave me a memo number to fill out. I asked him to send verification that this was actually XXXX. He sent an email under the domain name XXXX. Then when I entered the cancellation code into the payment to XXXX it came out to {$1900.00}. He said this amount will not send and that I should receive a text message so that no funds would be taken out of my account. I followed his instructions and the funds were taken out of my account and I never got a text message. Then he said there was an IT issue so he put his manager on the phone. The manager 's name was XXXX XXXX. He said my number was not getting recognized and someone had cloned my phone number so that's why I wasn't getting texts from XXXX. He had me go into my XXXX XXXX and add my debit card. He had me set up XXXX XXXX with no balance and tried having me send XXXX XXXX but assured me it wouldn't work because I had no funds in XXXX XXXX He then said that they're sorry for the inconvenience but XXXX will be issuing a refund and someone will call me tomorrow XXXX  at XXXX to confirm. I then reported all this to my bank, Wells Fargos fraud department. Someone claiming to be XXXX refund department did call me back at XXXX XXXX  on XXXX  XX/XX/XXXX on a non- legitimate number and I told them I am reporting fraud and they hung up. I never received a refund from either XXXX or Wells Fargo. I filed a police report with XXXX and XXXX  XXXX department. I also filed an FTC report. Wells Fargo denied my claim even after I gave them my police report numbers.
Consumer complaint received 2024-01-19
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: EQUIFAX, INC. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MI)

I have contacted and disputed this inaccurate information with all three credit bureaus as well as US department of education with no resolution regarding my obligation to pay securities/money to the federal government for an inaccurate education loan. Nelnet continues to report this inaccurate information to all 3 credit bureaus which goes against my privacy rights act well as the federal student loan act of XXXX. 

The Department Of Education have been past my personal information for security exchanges without my consent or permission since XXXX. 

The Department Of Education have been reporting false and inaccurate information on my credit report which has cause me financial difficulties/hardship. The reported false/inaccurate information strikes as a negative impact on my credit history.