davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NY)

We have been trying for a modificaton since XX/XX/XXXX. It has been an exasperating ordeal for us and all we want to do is go back to making good faith mortgage payments to NationStar. My complaint is a serious matter, since our documents were sent, we 've been denied twice for a modificaton beacuse the Underwriter reviewing our file uses financials that are at least two months old. Each time we place a call to Nationstar, we are advised no further documents needed and no updated financials needed. How is that possible if we submitted documents since XX/XX/XXXX?! Our finances has changed for the better, we are XXXX XXXX and collect rental! How is it that a bank can review then denial a modificaton without accurate information?! How is it that a bank can review then deny you for a modification withour updated Profit and Loss and supporting bank statements?! Why is it that NationStar 's goal in NOT to help their long time customers but rather help us lose our home?! This is concerning to us because we can not afford to lose our home, it is not an option for us- the reason why we defaulted on our payments was because I was laid off of my job. Since our hardship, we have started a business which has been successful and we have consistant rent every month. It 's concerning that we can shoe affordability on to pay our mortgage but Nationstar is not doing their due diligence to when it comes to obtaining current documents for a review. How many times will they deny us a modificaton but then reopen our case for another review?! Why ca n't they get this right the first time around? I can never get a hold of a supervisor or the Ombudsman office, the representatives has lack of information to provide each time. We are annoyed and scared- this is not turning out in our favor but the banks! We ca n't even get a hold of our representative XXXX XXXX! extXXXX
Consumer complaint received 2024-06-13
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: EQUIFAX, INC. (NY)

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 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-04-25
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: EQUIFAX, INC. (TX)

I have disputed Account Name : XXXX Account Number : XXXX Sent certified mail to XXXX : XX/XX/XXXX XXXX second request ) Sent certified mail to Equifax : XX/XX/XXXX XXXX second request ) Sent certified mail to XXXX : XX/XX/XXXX Credit Bureaus, XXXX, Equifax XXXX and XXXX, all three stated that the accounts were properly investigated and verified the accounts and information as accurate but the information for the account is still inaccurate and was not verified as I did not get any proper paperwork to show that the account belonged to me at all. The date opened, the date last active and the date last reported are all inaccurate still as well as high credit. The payment history is incorrect and also not reporting correctly and XXXX and XXXX does not report any payment history at all and Equifax only reports good payment history with no late payments at all listed. How can this account be verified as accurate when nothing is accurate or reporting correctly or consistently? This is grounds for immediate removal and they have also violated my rights under 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. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states that a consumer reporting agency can not furnish an account without my written instructions. I have not given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2023-02-14
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. (FL)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/, An address that does not belong to me appeared on my credit report. 

On XX/XX/, the following accounts were added to my credit report : XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$440.00}
Consumer complaint received 2023-04-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NV)

We resided at the XXXX XXXX apartments. My other half didnt pay his portion of the rent. We were given the option by upper management to vacate the unit and they would not process an eviction also stated that we would owe anything if we vacated the premises. We cleaned up The apartment the same way it was given to us and had the carpets done. We were told to leave the keys in the apartment on the counter. We vacated the apartment and did exactly as we were told and left the place emaculate. Even cleaned their nasty fridge they gave us. The apartment was in Prestine condition compared to when we moved in. Management rented the place the next day. They collected on our deposit XXXX and they charged us for back rent which they told us they wouldnt as long as we left and vacated the unit. We did exactly that.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MA)

I was late on a payment during 2020 due to no work because of Covid-19 payment was only about a week late and was told it would be forgiven due to immaculate payment history and no other late payment ever, also due to Covid hardships. Did not realize this was affecting my credit until I received a declined application stating missed payments and saying account was delinquent. Account was not delinquent and only changed recently, was paid always on time and is current. Have constantly contacted them to right this issue but to no avail. Was told they cant do anything because its not within 30 days of late payment which I told them I had contacted them numerous times including right after late payment and how I was told it would be forgiven, however the representatives have basically just been like nothing we can do contact credit agency to which credit agency said contact them.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts XXXX... below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2024-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (PA)

I had XXXXXXXX XXXX security system which was acquired from XXXX XXXX in XXXX. My contract was to auto renew in XXXX for another 5 years and per the contract I was to provide written notice of intent to terminate to prevent this from auto renewing. To which I mailed a termination letter to both the XXXX XXXX office and the XXXX XXXX, I called the XXXX customer service line several times, I sent emails requesting termination, and I also sent them text responses for termination. These were sent start 75 days before the contract renewed as evidence in the images provided. They did not terminate the contract and attempted to charge for additional months which I replaced the card it was charging to as the authorization for direct billing had been rescinded and the additional charges were now fraudulent. 

In XXXX I received a text message from Zion Debt indicating as shown in the images that they intended to report it to my credit by XX/XX/XXXX, if I did not pay the bill in full. This was deceptive and a lie as they had already reported the account to my credit in XXXX of XXXX. I requested all communication to be submitted via email and requested several pieces of validation as was my rights under Fair Debt Collection Practices Act as well as Fair Credit Reporting Act since I had followed the letter of the contract and provided more than the minimally required notification of termination. I never received any further communications from Zion Debt including not receiving the requested debt validation documents which made my request a legal dispute of the debt and they did not investigate, provide the documents required, nor remedy my dispute. 

My remedy is to have Zion Debt immediately and permanently remove the improperly reported collection account from all of my credit reports to include, XXXX, XXXX XXXX, and XXXX. To not report it as any change but a full and permanent deletion.
Consumer complaint received 2024-04-28
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 am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-12-19
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. (VA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

Overpaid charges to my loan .. unnecessary drive by inspections charges ... my loan stays the same for a long period .... doesn't look like progresses ... I have Green tree/Ditech since XX/XX/XXXX ... DITECH XXXX 2 years and half ..if not mistaken .I can submit papers ... but don't know how to do it onlineI can send by mail ... .to prove it ... phone number is XXXX ... .to cover up all this ... I was not aware they were been lawsuit ... they transfer just recently starting XX/XX/XXXX my mortgage loan to XXXX XXXX ... which by reading about them are no better than green tree, XXXX/Ditech, LLC ... it is like having twins ... of the same badness ... my phone nXXXX XXXX XXXX.
Consumer complaint received 2023-03-23
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. (NY)

COLLECTIONS/ CHARGED OFF ACCOUNT REPORT NEGATIVELY TO MY ACCOUNT THEY RESONDED BUT DIDNOT REMOVE NEGATIVE INCORRECT INFORMATION. 

CREDIT BUREAUS STATED THEY DID AN INVESTIGATION BUT HOW I THAT POSSIBLE WHEN THE OPEN DATE THE DATE LAST ACTIVE AND DATE LAST REPORTED IS NOT ACCURATE THIS IS GROUND FOR REMOVAL. THEY ALSO VIOLATED MY RIGHTS UNDER 15 U..C 1681 ECTION 604 A SECTION2 : THE LAW CLEARLY STATES CREDIT CREDIT CANT FURNISH A ACCOUNT WITHOUT WRITTEN INSTRUCTIONS I HAVE NOT GIVEN THESE BUREAS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT AS WELL
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

Credit collection agency reporting medical bill due. I did not have a XXXX XXXX XXXX XXXX  bill this year. They show I had a charge in XX/XX/2023. I have medical insurance anytime I go to hospital. They are incorrectly showing collection and date of balance. They are violating FCRA rules of reporting medical collection before 365 days have past and I do not owe debt. In addition, they are violating my HIPAA rights. If it was for treatment on some other date, they have failed to provide information and bill, more importantly billed my health insurance.
Consumer complaint received 2023-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2024-03-02
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

This is regarding case XXXX. CFPB has closed the dispute despite the company Transunion ( I have written my feedback as XXXX by error ) had sent incorrect information and against extensive proof including the company to which collection was sent XXXX XXXX a subsidiary of XXXX who has reported the collection dismissed that collection as not owed as service was not provided and many times unusable and we should not owe any money. 

I believe the case was closed without opportunity to point the continued error of Transunion despite all facts showing otherwise - citing that the vendor says so, A CFPB associate I talked to before making complaint against TransUnion looked/listened to previous material sent as complaint against XXXX saw the extent of scam XXXX went to including the financial part that CFPB helps US citizens on and said though no action can be taken against XXXX, CFPB can get the credit agencies to remove the incorrect collection annotation in my credit report removed citing the extent XXXX did finance and service violations and harassments.
Consumer complaint received 2024-01-28
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EdFinancial Services (CA)

Monday, XX/XX/XXXX Name : XXXX XXXX XXXX ( Automatic//Full Discharge Group : XXXX XXXX XXXX  ) Borrower Defense Application # : XXXX Borrower Defense Application School : XXXX University The XXXX XXXX Officially Imploring The Intercessory Assistance Of The US Department of Education to fulfill the law and its own policies : pertaining to the Sweet v. Cardona as illustrated in XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Special Emphasis On : All federal loan servicers have until XX/XX/XXXX, to effectuate settlement relief for Class Members in the automatic relief group. Now past XX/XX/XXXX deadline, ED Financial Services is unable/unwilling to adhere to the Honorable Senior District Judge XXXX XXXX XXXX XXXX ( In XXXX XXXX XXXX XXXX XXXX and the Department Of XXXX XXXX XXXX XXXX XXXX In Default/Disservice ) XXXX 
XXXX. Though XXXX XXXX XXXX did receive the discharge of all Relevant Federal Student Loans ( completed XX/XX/XXXX, Student Aid Portal ), ED Financial Services has not completed the credit reporting repair to all credit agencies, as pertaining to the XXXX XXXX XXXXXXXX. 
XXXX. Though XXXX XXXX XXXX did receive from the US Department Of Treasury a refund check ( XX/XX/XXXX, US Mail ) for {$5400.00}, ED Financial Services provided an incorrect amount to the US Department Of Education ; Ed Financial Services never contacted XXXX XXXX XXXX prior to verify the accuracy of the refund ; Ed Financial Services also changed XXXX XXXX XXXX account number without notification from XXXX to XXXX. XXXX XXXX XXXX provides the collected amounts paid, related to XXXX University, totaling {$8800.00}. Still owed refund check to XXXX XXXX XXXX -- {$3300.00}. [ Copies provided in trust and good faith ] Again, all loan servers, not in compliance and engaging in lawlessness with the misuse of guile/subterfuge, delay/stall tactics, and sending only generalized information, need to be closed for good -- they have lost all trust and good faith. Also illustrated, Ed Financial Services demonstrated further below minimal banking standards : received a CFPB fine for deceptive practices XXXX XXXX XXXX XXXX XXXX  ), and received a US Department Of Education fine for XXXX XXXX ( XXXX XXXX XXXXXXXX ). Please, take further action now. 

Sincerely, XXXX XXXX XXXX A Constituent Of House XXXX XXXX XXXX : California 's XXXX Congressional District Previous Contacts XXXX XXXX FTC XXXX FDOE XXXX
Consumer complaint received 2023-01-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying XXXX using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2023-09-01
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)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX