davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The following accounts are incorrect, and they are adversely affecting my livelihood. 

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
Consumer complaint received 2023-10-11
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. (TN)

I am a victim of identity theft. I filed all the correct paperwork according to the FCRA and filed a FTC report. I submitted this all to the credit agencies and nothing has been done and the disputes I filed are not being filed correctly.
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2022-11-24
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: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/2022
Consumer complaint received 2023-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NC)

Applied {$4300.00} on XX/XX/XXXX in order to pay off ALL outstanding accrued interest. Only {$2700.00} was applied to the interest, {$1600.00} was applied to the principal. I have attempted to call MOHELA XXXX  times since the payment posted on XX/XX/XXXX. The wait times are ridiculous and when I did manage to get a live person to pick up on XX/XX/XXXX at XXXXXXXX XXXX. they said they could not hear me and HUNG UP. 

I can not get a live representative on the line to attempt to re-apply my onetime payment that is the FULL AMOUNT of my outstanding interest.
Consumer complaint received 2023-10-11
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: Ria Envia, LLC (NJ)

Ria transfer money this company are using to send money to my country. They usually deposit the money in less than an hour, but in this case they are telling me they gon na hold it for four days but when I made the deposit they did tell me it was going to take the longer.

Now they are saying if I cancel it can take 10 days to the refund my money even though I told them theres an emergence I dont understand why theyre holding in for so long when I always made the deposit through my bank now they say that I need to send it through my debit card to get it in less the one hour and he steal them more than me. They are getting is through my bank. No matter is a my debit card. I think they are holding the money for so many days so they can use my money to make more money because their rates change every date.
Consumer complaint received 2017-04-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (IL)

In 2012 this nightmare began, I had become ill and could n't get any assistance from Nationstar. Fast forward, now I am XXXX and still fighting with them for what is fair. They should have helped me in 2012 and none of this would have happened this way. Please see my timeline explanation for more details.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am a victim. of Identity theft. 
By checking my credit report I have found two fraudulent accounts I have listed on the FTC report. Someone has stolen my personal info and used them to apply for some creditors.
Consumer complaint received 2023-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I noticed inquiries that I do not recognize and believe to be fraudulent. 

See below : -- -TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I am filing this complaint to the EQUIFAX. I sent them a letter and called them even regarding the alleged debt of the account reflected in my credit report wherein I was never notified of this alleged debt. Under the CFPBs new Debt Collection Rule that become effective XXXX XXXX XXXX this collection agency is illegally reporting an unsubstantiated debt and never provided proper notice before reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction. 
I have included my FTC report with the number XXXX as proof of this complaint.
Consumer complaint received 2016-06-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

I purchased my townhome in 1999 and the loan servicing since changed hands to Litton and now to Ocwen. I received a letter from Ocwen stating that flood insurance is now required. Please note it is now 17 years later. 
I contacted the holder of the master insurance policy for the entire condominium property and they advised that there is no flood insurance on the property because only some portions of the property were in a flood zone, others were not. She further sent a document stating that my unit was not in a high-risk flood area. I sent this documentation to Ocwen. 
I received a letter from Ocwen stating that their research shows I am in a flood zone. I think they need to provide me this " research '' specifically the designation of my unit # XXXX as being in a zone in need of flood insurance. 
The response I received was from XXXX XXXX in the Ocwen Office XXXX XXXX XXXX XXXX. I am sending this complaint because I should n't be getting a demand for flood insurance 17 years after purchase. Furthermore, Ocwen was not my original servicer. This seems to me that the demand is outside of the original requirements for my mortgage since flood insurance was not a requirement to initiallyl establish the mortgage. I 've read where mortgage companies are praying on homeowners in this way because they 've receiving kickbacks for the flood insurance charges.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently pulled my report and verify accounts that should not be reported as late payments since I always make sure that I am paying on time. I demand these accounts be updated and remove the Late Payment notice. Attached below are the accounts I am reporting : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-11
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. (IL)

I have recently checked my credit report and noticed these accounts that do not belong to me. 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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
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 had reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I have recently checked my credit report and noticed these accounts that do not belong to me. 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. 
Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
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 had reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WSFS FINANCIAL CORPORATION (PA)

This account was opened when child was XXXX. He admitted to the crime. I had no involvement. XXXX XXXX would like to be100 % responsible. The bank is trying to get me to pay back crime money because I have good credit.
Consumer complaint received 2023-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

Please see this complaint - XXXX, I was overseas for work for multiple years, during that time frame XXXX Resurgent Services illegally collected on a debt and took me to court. They illegally obtained a judgement against me and did not perfect service on the attempted collection. 

This company was involved with LVNV Funding LLC and XXXX XXXX XXXX colluding and illegally conspiring to collect a debt that was not valid. Using proof of an XXXX spreadsheet with my social security number does not result in affirmation of debt. 

The company now has caused harm to me, and their solution is to send me out a fraud affidavit - without recognition of the illegal summary judgement they obtained.
Consumer complaint received 2023-10-11
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)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-11
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC (GA)

Believe this is Illegal loan in XXXX of XXXX Lender is not listed in XXXX XXXX Charged very unreasonable interest rates making impossible to pay back. Without having to get more loans. I have requested to stop further ACH payments from my account.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

My student loan with XXXX has been forgiven. It still shows up on my credit report months later. I have disputed it with Experian but they have not cleared it. When I contact XXXX via phone or online, they can not even view my account anymore to assist with this since there is no balance.
Consumer complaint received 2021-08-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

We were in forbearance as a direct result of Covid-19. I contacted SunTrust and requested to have my missed payments pushed to the back of the loan, and I received the " Subordinate Deed of Trust, had it notarized and returned to SunTrust. However, SunTrust is requiring a lump sum payment ( see attached ) for all the payments missed in the forbearance period.

Per the Subordinate Deed of Trust ( see attached ), my missed payments are payable in XXXX. My first payment was due on XX/XX/XXXX and I made the payment online ( see attached ) on or before the due date. However, SunTrust has blocked me from making payments on my mortgage account for XX/XX/XXXX. This payment is due on or before XX/XX/XXXX. As such, I contacted SunTrust via phone for assistance with making the payment, and I waited a total of over TWO HOURS ( see attached ) without speaking with a representative.

SunTrust also states it has arranged for an inspection ( see attached ) of my home ( a cease and desist is on file ) at my expense and is also threatening foreclosure.
Consumer complaint received 2023-10-11
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-11
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I contacted TransUnion to advised them i was a victim of their inquiry issue and the representative advised me that based on their information they would not help me take care of the negative inquiries reported on my credit report. I never gave the following companies authorization to run my credit ; XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX/ XXXX XXXX ( XX/XX/XXXX ). The representative was short and didnt want to help me rectify my problem. I thought the credit bureaus werw here to help, but it appears that they rather then keep you as a victim of poor credit because they PROFIT more from those with BAD CREDIT.
Consumer complaint received 2018-05-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CA)

On XX/XX/XXXX of this year I discovered a {$380.00} charge to my XXXX XXXX ( NetSpend ). This charge was not of my doing and I immediately reported the fraudulent transaction to the debit card company. I was told by customer service that the vendor ( a company named XXXX ) would have to cancel the transaction prior to the money being released from " pending '' status. At this time I was told that such releases normally happened after three to five days. It was also at this time that the card was cancelled and I was furnished with a new card within a matter of two days. 

Since no efforts to resolve the situation were undertaken by the XXXX, I contacted XXXX via chat found on their website. My initial contact occurred on Thursday, XX/XX/XXXX, with a follow-up occurring the next day to inquire when the company 's security team would contact me. I was initially informed that a security rep would be in touch by the end of the XXXX, however I've never spoken to a security rep but was told on Monday, XX/XX/XXXX by an XXXX customer service rep named XXXX that the transaction was canceled and the status of the transaction should be lifted within three-five days. 

The communication between myself and XXXX occurred via email ( provided ) and each of these were provided to XXXX, however they would not accept them as proof. The company stated they required an official response by XXXX on letterhead before they would lift the pending status of the funds. It has now been 15 days since I first brought this issue to the attention of XXXX and it appears their intention is not to do anything ; to leave the issue unresolved for an indeterminate amount of time. XXXX ( NetSpend ) has done nothing to help and seems bent on treating me as if I instigated the initial transaction, which I did not.