davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-10
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)

As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. However, it has been an exceptionally long period since I initially raised these disputes, and I have yet to receive a satisfactory response or resolution. This delay has not only caused me considerable stress but has also resulted in tangible negative consequences for my financial well-being. I have encountered denied credit applications, higher interest rates, and relentless harassment from debt collectors, all stemming from inaccuracies on my credit report. ACCOUNT : XXXX XXXXXXXX. Please remove this account ASAP.
Consumer complaint received 2023-12-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OK)

Nelnet 's website is completely broken, so I am unable to advance through the website enough to make a payment. I have sent emails since mid-XXXX requesting assistance in making my payments and have gotten no responses. They do not answer the phone, so I wouldn't be able to make a payment over the phone. There is no where to mail a check. I'm concerned I'm going to get hit with missing a payment, when it's not my fault that I can't make the payment. I was originally concerned with security issues with their website, but now that I see that I can't even get through enough of the website to even enter my information at all, there are clearly bigger problems going on at their company, and I don't deserve to suffer because of it.
Consumer complaint received 2023-10-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (UT)

On XX/XX/XXXX I tried to use Western Union to pay my mortgage. As advised by my mortgage company. I sent {$800.00} being charged up {$50.00} fee totaling {$850.00} to my mortgage. My mortgage company denied it because it was a few dollars shy of the total needed for the month. They sent it back for a return. I was not aware of this and sent another {$400.00} to my mortgage company on XXXX the XXXX, being charged {$30.00} to send it totaling {$430.00}. On the XXXX I was made aware the morgage company was returning the money. I woke up on the XXXX and looked at my bank account, instead of a return I was charged {$800.00} more. Leaving me with a negative bank account. I immediately contacted Western Union to see what happened to my {$1600.00}, they couldn't give me a answer. I sent bank statements, pictures, with no answer. I started to worry about the other {$430.00} I sent to my mortgage on the XXXX. The XXXX I was charged another {$430.00} instead of getting a refund. Now the total is at {$860.00}, the full amount {$2500.00} putting me, my XXXX children and XXXX wife in a bind beings I am the only pay check for the household. Since the XXXX of XXXX I've been in contact with Western Union, trying to find a solution, they just paid sh me off to a different person every time, the excuses have been ; It's was a glitch in our system. It's your banks fault! It's your fault ( beings me ). It's a double payment you made. 
None of these have proven to be facts in the paper trails of emails and bank statements in my possession. 
I would like to be compensated for the month of agony my poor family has suffered for the ignorance of Western Union and the customer service that has been shown.on top of the {$2500.00} they owe me leaving my family stranded with no groceries.
Consumer complaint received 2023-10-10
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. (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 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I was victim an identity fraud victim.The company continues to report fraudulent accounts that were open which is severely hurting my credit reputation and good name. Identity theft is a growing problem in the United States and it can happen to anyone, even you. I ask that you please review the attached document closely and carefully.
Consumer complaint received 2023-10-10
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. (FL)

I value your help to CORRECT a portion of the data in my credit file, yet I have some items passed on that should be investigated. Per FCRA you are expected to correct and update these items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

I don't have any affiliation with these people. don't know them never met them, their reporting a debt to my credit account about fee for apartments for them that I never applied for reached out them multiple times about correcting this with all three credit agencies. this is stopping me from getting funds needed to run my XXXX
Consumer complaint received 2024-07-05
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC (TX)

I say a collection from XXXX XXXX XXXX on XX/XX/23 in the amount of XXXX dollars. I have have not received anything anything in the mail not even a phone call to verify if this debt was mine. Furthermore, the debt was on my credit report from another company and was removed because this debt could not be verified.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-10-10
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. (HI)

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud.XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/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 XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, 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 - XX/XX/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 XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Multiple mortgage inquiries have been placed on my credit report within days at a time. I was advised that if credit is checked for a mortgage within a 14-day period, it will count as 1 hard pull. 

I have had a hard time speaking with XXXX and transunion to get this resolved.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

Please understand that the details in my credit report are inaccurate. It includes name, addresses, employers and inquiries that are not associated with me. I urgently require the removal of this fraudulent information. Given that I have been a victim of such issues in the past, I am taking every possible step to ensure the accuracy of my reported information. Since I have not received a satisfactory response from the institutions responsible for reporting accurate and permissible data, I am now seeking assistance from a higher authority. Kindly expedite the process of removing this erroneous information.
Consumer complaint received 2020-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

Under the CARES act, it is my understanding that if you go into administrative forbearance, the suspended payments are considered qualifying payments that can be counted toward forgiveness under the PSLF program. ( See the CFPB 's blog on the subject, here : https : //www.consumerfinance.gov/about-us/blog/what-you-need-to-know-about-student-loans-and-coronavirus-pandemic/ ). However, DirectLoan 's  website provides contrary information. Under the heading " Special Considerations for Borrowers Pursuing Public Service Loan Forgiveness or Loan Forgiveness Through an Income-Driven Repayment ( IDR ) Plan, '' it says " The time spent on the emergency administrative forbearance will not count toward your required payment count. '' See https : //myfedloan.org/borrowers/covid/.

It appears that FedLoan is providing inaccurate and misleading information to borrowers at this time, that would lead borrowers to continue making student loan payments so that they don't extend their PSLF payment count, when in fact, they should go into emergency forbearance.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (TX)

On XX/XX/XXXX Freedom Mortgage listed my account as being delinquent and threatened me with foreclosure, Freedom sent me documentation stating as such. 
However I have NEVER been late on my Mortgage payments. So on XX/XX/XXXX, I called and spoke with a Freedom Mortgage Account Representative named XXXX, and XXXX and I discussed my situation. XXXX admitted that Freedom Mortgage made a mistake. XXXX promised me that she would correct the issue with my Credit report as it was being negatively effected by Freedom Mortgage 's INCORRECT listing of my mortgage payments. After further consideration I realized that Freedom Mortgage 's inaccurate account of my mortgage account has negatively effected my credit report. So I called in again and spoke with XXXX, a supervisor on XX/XX/XXXX and she informed me that it takes approximately 10 days for my credit profile to be updated with the correct information. However, it was never updated. On XX/XX/XXXX I spoke with XXXX of Freedom Mortgage and he transferred me to XXXX, employee number XXXX who promised me that he would rectify my credit stating that I have never been late which would restore my credit scores. However as of today, XX/XX/XXXX this situation has not been rectified. Due to this, my XXXX XXXX has increased, my home owners has increased and my anxiety level has increased due to me having to pay more due to a mistake made by FREEDOM MORTGAGE. If FREEDOM MORTGAGE would have never made the mistake, then my credit scores would have never been negatively effected. As promised by XXXX, I was to receive a follow-up letter from Freedom Mortgage stating that the discrepancy was a result of Freedom Mortgage and that any and all negative information put out by FREEDOM MORTGAGE would be corrected by FREEDOM MORTGAGE and any and all negative information created by FREEDOM MORTGAGE would be corrected ergo Mr. XXXX XXXX would not suffer from adverse information that was put into circulation by FREEDOM MORTGAGE. A letter that was provided, XX/XX/XXXX was not sufficient as it did not correct the discrepancy nor did it rectify the damage that was already created by the initial discrepancy. 

Please assist me in rectifying this issue. Thank you!!!
Consumer complaint received 2023-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

LVNV Funding LLC is calling me about a debt that I had no knowledge of for the amount of {$4200.00} I never opened this card and its put a ding on my credit report. This is not my doing I have no knowledge of what this is Im receiving calls asking me to pay this amount.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Collection Management Holdings, LLC (TX)

1. XXXX XXXX XXXX XXXX 2.Collection Management XXXX 3. XXXX XXXX XXXX XXXX BE ADVISED, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but A request for " Validation '' made pursuant to the above-named TITLE and Section. I respectfully request your offices to provide me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices keep reporting invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX AND XXXX ) THIS ACTION MAY CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS. You are in VIOLATION OF the Fair Credit Reporting Act, VIOLATION of the Fair Debt Collection Practices Act, and DEFAMATION OF CHARACTER ( per se ). These Accounts are not mines.
Consumer complaint received 2024-06-04
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I needed to dispute a collection so I went to their website, but I kept getting errors. So I called their call center and I realized that they hired a company and they have no access to fix any problem. They are there to just answer the phone. They can't talk to anyone who fixes the website or investigates a dispute. 
A collection agency that held my account said, they updated my information on the XXXX XXXX XXXX XXXX, but when I called Transunion, an agent from TransUnion said, my collection agency didn't update my information. I don't know who is lying and who is telling the truth. 
Also, I don't understand the system and why millions of us rely on them for investigation and decisions. If people pay off their debt, it should be all over without any hassle. But because there are credit bureaus, people have to wait for a second opinion for no reason. 

I feel like I get treated no better than those who don't pay their debt at all. My credit is going to be still bad for a long time no matter whether I paid or not just because the credit bureaus dont allow me to upload my document and they will go through their own investigation. 

When what kind of investigation takes 30-45 days? They are not investigating something extreme cases. They just call the collection agency and ask if the balance has been paid or not. 

I wanted to talk with a supervisor or manager. The agent said, the supervisor will call me back so I waited all day doing nothing. There was no call. 

I feel like there is no way to dispute my collection after I paid {$4800.00}. They say I can mail my letter from my collection agency but what if it gets lost? And we live in 2024 and everyone has a phone. If I sent an email to them, it's almost instant. For some reason, they won't let me email my letter. 

All I want is for them to take off the collection, that has been paid and closed, from my history.
Consumer complaint received 2024-07-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (GA)

Hello, I was unsure if I could edit or make adjustments to the initial complaint that I submitted on XX/XX/XXXX, so I decided to file an additional complaint only for the purpose of adding additional documentation. I have included an email that I sent to XXXX University requesting some sort of summary that would show that the XXXX XXXX XXXX XXXX paid for my tuition in full for the XXXX semester year. The school provided me with my student account summary for all semester years. Please see attachment. Also, I am providing my scholarship award letter for the XXXX XXXX semester years. I am providing this information for added support and transparency. I am being completely honest regarding this situation and would like the CFPB as well as Navient to know that. The rule by the CFPB is clear regarding private student loans and I am only asking that Navient be fair and cease collection on my loan. 

Thank you
Consumer complaint received 2023-04-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (OH)

The Debt is with Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXX XXXX Oh XXXX XXXX Account # XXXX for {$220.00} Creditor is XXXX bridges and tunnels The creditor is XXXX XXXX, my son, who is an XXXX XXXX XXXX XXXXXXXX man stationed with the XXXX in XXXX on the XXXX. 

My name is XXXX XXXX and I spoke with them directly. I recognized that they could not speak to me directly about the specifics of his account. I gave the person who answered the phone the account information and let them know that XXXX was XXXX XXXX and currently XXXX overseas and asked what their company policies were for collections of XXXX XXXX, XXXX service members. The person on the phone said that he thought they were the same as any. I asked if he received any special accommodations under the Soldiers and Sailors Act or the Servicemembers Civil Relief Act. He said he did not think so. I said that I thought that the collection was supposed to be suspended till the service member got back. He said he didn't think so. 

At that point I asked for a supervisor. I got, I think his name was XXXX XXXX. I asked him for his company 's policies for XXXX XXXX XXXX service members and what process I needed to follow to show that he was XXXX. I asked if I could contact his command and get a copy of his XXXX orders. He said that he would provide no legal advice. I kept asking what their published policies were and he refused to provide them. His file has been fully noted that he is a XXXX service member. He said I would have to contact an attorney. 

I just want an opportunity for my son to be able to defend himself. He has no idea this is going on. By the time he gets back the and gets notification the debt will be {$500.00} with all the attorney fees and interest. Oh yeh he has paid these 2 toll charges but no way to prove it till he gets back.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.