davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have contacted XXXX, Transunion and XXXX to request that any Security Freeze be lifted from my credit reports immediately. A month later XXXX XXXX  requested copies of my scores for a credit card account and I was advised that they are unable to pull my scores due to a security freeze. 
I need assistance as I am being given conflicting information.
Consumer complaint received 2023-10-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WESTSTAR MORTGAGE CORPORATION (TX)

We have been having trouble making payments online via the portal. We have been calling repeatedly and emailing for weeks, but we can not get anyone to take our payment. We continue to be redirected to our loan servicing representative, who will not return our calls or email requests to service our loan. We have been told that we do not qualify for forbearance because it has expired, yet we have been trying to get loan servicing help to get it done for all of those months. 

Our insurance was also canceled stating non-payment, yet we received a letter from the mortgage company stating that they were never billed by our insurance company. The escrow account is fully funded, so this was not our error. 

We can not get any of our issues resolved due to our roadblock of a servicing agent, and the process that forces us to use only her with no online resources or alternative contact person. We are just trying to get a new presentative who will actually help us and service the loan. 

This is a VA account and we are surprised at the treatment of a veteran. It feels like an attempt to take our home.
Consumer complaint received 2023-04-18
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. (OH)

It is ridiculous how unfair the reporting process is. When you create debt it appears within days on your credit report. When you pay it off XXXX XXXX and Equifax fail to ever update it even after several disputes. They should call it the Unfair Credit Reporting Act.
Consumer complaint received 2023-10-05
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. (VA)

Account info Account name XXXX XXXX  XXXX XXXX Account number XXXX 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 2024-07-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

I recently filed a complaint with the CFPB over my private student loans currently serviced by Navient. All of my loans are for XXXX XXXX XXXXXXXX. Recently, the federal government discharged all federal loans due to fraudulent behavior on the part of XXXX XXXXXXXX XXXX and XXXX XXXX/Navient XXXX This prompted me to file my initial complaint with the CFPB which led to Navient sending me a School Misconduct Application. I carefully filled out the application and attached as much information/evidence as I could find online. All XXXX of my loans were denied. The only 'reason ' provided was as follows : 'Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. ' This is not good enough for me. I want the reason for the denial. I want a chance to appeal this decision. Considering how quickly they responded to you after my last complaint, I decided to file another with you. My next step was to reach out to Navient and to try to get more clarification. In addition, I have reached out to a wonderful organization, The XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), for more guidance. I appreciate your help in this matter and look forward to your response. Thank you
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it 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 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MS)

I have tried to remove fraud alerts via phone with no luck. I keep getting the run around when trying to remove these fraud alerts by the phone agents. I'm unable to remove them online and this is making it impossible for me to apply for a car loan to provide for my family.
Consumer complaint received 2023-10-05
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: Experian Information Solutions Inc. (TX)

Back on XX/XX/23 I sent a letter to experian to dispute some items on my credit that i did not agreee with. i have yet to receive any information that my dispute has been processed and this is the second time they have ignored my request.
Consumer complaint received 2023-08-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MO)

: CFPBTo I made a previous complaint case # XXXX against Wells Fargo for extra-legal business practices. We currently have litigation in the Federal Courts. Case # XXXX. 

At this time Wells Fargo has not been able to provide any documentation to back up claims to the effect that I asked for any changes to the original loan dated XX/XX/XXXX loan number ending with XXXX. They claim that the changes made were made for a refinance dated XXXX the new loan # XXXX. 

They then transfererred service of said loan to XXXX XXXX XXXX as of XX/XX/XXXX. After they had opened an estate case against XXXX XXXX estate in XXXX XXXX. Again Im not a party to said loan nor did I agree to any such changes to the original loan which, has been paid in full at this time.

Im currently seeking for this governmental agency to step in and make both companies named not only change their illegal business practices, but also ; provide me with at the very least compensation for my legal fees.

This entire situation has been one of constant frustration for the last several years. I have done everything asked of me in a timely manner and still havent had any solution to the situation.

Please advise me as to what can be done to provide me with some way of this entire situation being finished. I feel that both companies have preyed upon the fact that they can and do have endless means to hire as many attorneys as they choose in an attempt to simply slow down the legal process and in hopes that me being the little guy will either give up or simply fail. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX
Consumer complaint received 2024-07-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NC)

On XX/XX/year> I submitted an application for loan forgiveness. I attended the XXXX XXXX of XXXX and had been awarded federal loan forgiveness. Navient now has a program for private loan forgiveness. I clearly articulated how I was defrauded, submitted documentation showing my federal loans were forgiven, as well as proof that I was awarded money through a class action lawsuit brought against Navient by my state attorney general. Today on XX/XX/year> my application was denied with no explanation why.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

This is XXXX XXXX XXXX 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 2023-03-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Phoenix Financial Services LLC (OK)

On Monday, XX/XX/XXXX I received a letter from Phoenix Financial saying that they had been hired to collect a medical debt from me that originated in XXXX. I ignored the letter thinking it was a scam because I applied for XXXX XXXX bankruptcy relief on XX/XX/XXXX and had the bankruptcy discharged in XX/XX/XXXX. Case number XXXX. 
I received notification that Phoenix Financial went ahead and reported a collections account to the credit bureau XXXX on XX/XX/XXXX in the amount of {$1300.00} with the original creditor being reported as XXXX XXXX XXXX. This was reported to XXXX with an open date of XX/XX/XXXX despite the debt originating in XXXX. All debt was discharged in the XXXX XXXX bankruptcy and this debt was not reaffirmed. This company seems to be in violation of the bankruptcy courts order of discharge by attempting to collect on this debt.
Consumer complaint received 2023-10-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fig Tech Inc. (TX)

In XXXX, 2021 a loan for {$100.00} was taken out in my name from Fig Loan. I emailed them that I did not ask for this loan, I was a victim of Identity Theft. They responded that I would have to file a police report, which I did. I emailed and called them with no response. I have since hired XXXX XXXX lock and they can't get them to respond either. XXXX requested I submit this to your agency.
Consumer complaint received 2023-10-05
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. (AZ)

I requested an investigation and update to my credit reports, the Credit Bureaus claimed they did a full 100 % accurate investigation and update my reports, yet items remain inconsistent. 


The following information is outdated. I would like it removed from my credit history report XXXX XXXX  Account Number : XXXX Statue of limitation expired Furthermore, based on the confirmed State of Arizona Statute of Limitations in respect to Auto Loans and repossession limited at 4 years of reporting, the item listed below has expired. I have attached a screenshot of the Arizona Statute of Limitations in respect to Auto Loans and repossessions.
Consumer complaint received 2023-10-05
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. (AZ)

I requested an investigation and update to my credit reports, the Credit Bureaus claimed they did a full 100 % accurate investigation and update my reports, yet items remain inconsistent. 


The following information is outdated. I would like it removed from my credit history report XXXX XXXX  Account Number : XXXX Statue of limitation expired Furthermore, based on the confirmed State of Arizona Statute of Limitations in respect to Auto Loans and repossession limited at 4 years of reporting, the item listed below has expired. I have attached a screenshot of the Arizona Statute of Limitations in respect to Auto Loans and repossessions.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (TX)

Hello, My best buy store credit card put a 30 day delinquent notice on my credit report, of all the loans and credit cards I have for the last 16 years, this is the only late/negative mark on my credit report. 

My XXXX XXXX account was hacked, causing me to have {$10000.00} stolen from my account. It was soon recovered but my account was closed and a new one created. However, my best buy card was on auto pay on the original account, I had switched ALL my other accounts, but somehow missed the best buy store card. I travel, and did not get the letter stating payment was not made and i was in delinquency... I had to spend alot of time and effort to switch bank accounts and update my security on all acounts, I would greatly appreciate it if I could have this negative mark removed from my otherwise perfect credit history, and help me forget about my hacked account incident. Thank you
Consumer complaint received 2022-12-09
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: Experian Information Solutions Inc. (CA)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. I found that under section 605b ( a ) Experian and XXXX 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service,
or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1900.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXXXXXX  Balance : {$0.00}, and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-12-09
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. (NV)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on
Consumer complaint received 2023-10-05
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. (TN)

XXXX XXXX XXXX is reporting that I have past due accounts of greater than XXXX days starting in XXXX and XXXX. XXXX XXXX XXXX put these accounts in a past due/delinquent/charged off status when I was in a XXXX  XXXX plan. The Trustee was making payments on XXXX XXXX XXXX account while I was in XXXX XXXX. Both the Trustee and myself were following the legal ramifications of the XXXX XXXX. XXXX XXXX XXXX is unwilling to correct my account and remove the past due/delinquent/charged off status. My credit report is inaccurately reflecting the XXXX XXXX XXXX account status as past due/charged off now and while I was in XXXX XXXX. I have also filed a dispute with Experian and XXXX. The credit bureaus responded that XXXX states they are reporting accurately and therefore my credit report status for XXXX XXXX loan remains the same.
Consumer complaint received 2023-10-05
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. (TN)

XXXX XXXX XXXX is reporting that I have past due accounts of greater than XXXX days starting in XXXX and XXXX. XXXX XXXX XXXX put these accounts in a past due/delinquent/charged off status when I was in a XXXX XXXX plan. The Trustee was making payments on XXXX XXXX XXXX account while I was in XXXX XXXX. Both the Trustee and myself were following the legal ramifications of the XXXX XXXXXXXX. XXXX XXXX XXXX is unwilling to correct my account and remove the past due/delinquent/charged off status. My credit report is inaccurately reflecting the XXXX XXXX XXXX account status as past due/charged off now and while I was in XXXX XXXX. I have also filed a dispute with XXXX and Equifax. The credit bureaus responded that XXXX states they are reporting accurately and therefore my credit report status for XXXX XXXX loan remains the same.