davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX 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 2017-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (VA)

I recently refinanced with my mortgage company Nationstar. During the process, I had to provide them with my current XXXX XXXX policy to be updated with the new loan number and for my escrow information. We completed the refi process and set up the escrow account. Prior to my first payment being due, I received a letter from Nationstar stating that they did n't have my Homeowners info and that they would be placing lender paid insurance on my account, causing my monthly payment to go up. I know that I provided the information or else my refi would have been approved. I refinanced another property that I have with Nationstar a few years and I ran into the same issue. One time is a mistake, 2 times is a trend of how they operate. It is my belief that they are doing this to unsuspecting homeowners and some how benefitting from the lender paid insurance. I ca n't prove this yet but its too coincidental. I tried to speak with my employees at Nationstar and they are promising to correct my situation, but I believe that it is bigger than that. I work in the mortgage industry and understand the process. If someone else did n't have that knowledge they could easily see their payments jump up and not know why or how to resolve it.
Consumer complaint received 2023-05-02
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. (KY)

I sent a letter to Experian, XXXX and XXXX on XX/XX/2023 my tracking numbers where for experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However they said that they completed the investigation and everything was 100 % accurate. According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. this account has several inaccuracies and this account needs to be deleted right now
Consumer complaint received 2021-06-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (IN)

Move out an apartment on XX/XX/ by the name of XXXX XXXX XXXX. Provided apartment personnel with keys and signed move out paperwork. Also provided office personnel with forwarding address. Security deposit was never sent so I figured they kept it even though they shouldnt have because apartment was nasty and infected with roaches upon move in. I couldnt take the XXXX any longer, I would turn on the lights in the morning and they would scatter every where. Cleaned entire apartment and relocated. As of today there is a collection on my credit and has been since XXXX of XXXX  not even 30 days from moving out. The collection is only XXXX. The fact that I wasnt made aware of this debt by the original apartments and a debt of a lousy XXXX was placed on my credit is sickening because something so small could have been paid if I were NOTIFIED because I provided a forwarding address. The original apartment company didnt even give me time to be made aware of the debt or time to had pay it. Ive contacted this company and got a response with a list of charges and the balance :
Consumer complaint received 2023-07-26
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)

In accordance with the Fair Credit Reporting Act ( FCRA ), I want to raise my concerns regarding the list of accounts provided below, as they appear to be in violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have already informed EXPERIAN about these accounts, namely ( XXXX XXXX XXXX XXXX ( Account Number : XXXX ) and ( XXXX XXXX Account Number : XXXX ) and requested a reinvestigation. 
However, to my disappointment, EXPERIAN responded that everything was accurate and complete. I find this puzzling, given that there are discrepancies in the reported open date, date of last activity, and other relevant details. As per 15 USC 1681i ( 5 ), consumer reporting agencies are required to correct and modify any accounts that are inaccurately reported.

Furthermore, under 15 U.S.C. 1681 Section 602 A, I have the right to privacy as a consumer. Section 604 A Section 2 of the same Act stipulates that a consumer reporting agency can not furnish any account information without my written consent, as stated in 15 U.S.C. 1681c. ( a ) ( 5 ) Section.

Additionally, according to the Act, no consumer reporting agency is allowed to include certain items of information in a consumer report, such as any adverse information, except records of convictions of crimes that antedate the report by more than seven years ( 15 U.S.C. 1681s-2 ( A ) ( 1 ) ).

It has come to my attention that the reported information is inaccurate and not in compliance with Metro 2 credit reporting standards. As per the FCRA, 15 USC 1681s-2 ( A ) ( 1 ), it is unlawful for any person to furnish inaccurate information knowingly or if they have reasonable cause to believe it is inaccurate.

I possess substantial evidence to support my claim. Therefore, I request a thorough reevaluation of these accounts in accordance with my rights under the FCRA. I believe that the information provided in the consumer report needs to be modified and corrected to reflect accurate and up-to-date information.
Consumer complaint received 2024-06-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Case # : XXXX Response to XXXX XXXX File : XXXX I, XXXX XXXX XXXX XXXX for reasons beyond my control, in XXXX had to leave this country and the whole family went to XXXX for XXXX few years because my husband at that time was given an XX/XX/XXXX for XX/XX/XXXXyears outside the country, due to this circumstance put us in a difficult economic situation that affected us and we lost XXXX properties here inXX/XX/XXXX XXXX and XXXX ) XXXX Also, caused non-compliance with payments on other debts that we obtained until that date. We started from scratch in XXXX and we could not stabilize ourselves economically there, we lived from day to day and were unable to meet or cover even the minimum in payments on our debts in the United States. 

I was not aware of this lawsuit because the correspondence was sent to the home of my sister, XXXX, and unfortunately, our family relations were broken for several years and no correspondence was ever delivered to me. Due to our economic situation in XXXX, I had to come to work in the United States for a few months to support financially my family. 

I am aware that I owed Citibank directly for around {$2800.00} in XXXX. I am opposed to accepting this lawsuit because they sold the debt to an agency ( XXXX XXXX, XXXX ) without my consent and after XX/XX/XXXX years it has increased significantly, indiscriminate and exaggerated to a stratospheric amount of {$14000.00}. 

I, XXXX XXXX XXXX, am willing to pay this debt contracted to Citibank for the original amount of XXXX and making monthly payments of {$50.00} since I only depend on my salary and sometimes, I must resort to using my credit cards to cover my expenses as well as my daughters. 

I ask you to reconsider my case and reach an agreement since I am not financially able to face this type of debt. Please definitively remove the XXXX on my XXXX XXXX house, located XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXXXXXX, or any other property. 

If you have any clarifications or questions, do not hesitate to contact me at my cell phone ( XXXX ) XXXX.
Consumer complaint received 2023-07-26
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. (MI)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.
Consumer complaint received 2022-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (IL)

I paid off all my student loans during the forbearance period while they where with XXXX. XXXX transferred all federal student loan accounts to EDFinancial sometime late XXXX. I want a refund for payments made during the forbearance period but EDFinancial claims they can not find any of my information despite being listed in FASFA.gov as my loan provider. This is what I've tried : I called a month ago on XX/XX/XXXX to ask why I couldn't set up an account on EDFinancial, was told none of my information was found, that a support ticket was initiated, and that I would be called back within two or three business days. I received no call. I called XXXX that day as well to check that EDFinancial should have my information despite my loans being paid off and they confirmed this would be the case and that they no longer have my information. I sent an email to EDFinancial around late XX/XX/XXXX and received no response. I chatted with an agent via their new chat feature XX/XX/XXXX. The agent told they me would submit a request to look for my information but could give no case number for the incident or updates. They suggested I reach out via chat again to check in but seemed to have no record of my previous attempts to find my account information.
Consumer complaint received 2023-06-07
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. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I notified XXXX XXXX XXXX and TransUnion on XX/XX/2022 to let them know that the information in the report was reporting incorrect. I was notified by TransUnion on XX/XX/2022 that the account was now opened which is incorrect
Consumer complaint received 2023-04-22
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. (GA)

In accordance with the Fair Credit Report Act 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 an account without my written instructions. 
This account is a fraudulent account, I did not open any account with this company.
Consumer complaint received 2023-06-07
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 am writing again to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.
Consumer complaint received 2018-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

There is no option for my complaint. Below is my belief in wrong doing. 

I am XXXX XXXX military. As such, I XXXX  and move constantly. Which I have to get a new place every time, usually about every year. With that being said, I have to get my credit pulled for housing, cable/internet, power, phone etc. every single time. The general population/ consumer, do NOT have to do this as they do not move nearly as much as military personnel. I do not believe this is fair to me, nor any other military service members. Our credit is affected tremendously because of this and believe this should not negatively impact our credit. PLEASE review my credit history. I have NEVER been late on any payments, but since I have a ton of inquiries, it is hurting my credit score.
Consumer complaint received 2022-11-27
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. (GA)

ON XX/XX/2022 I SENT OFF A VERIFICATION LETTER TO CHECK ALL MY OF MY ACCOUNTS WAS CORRECT. THE CREDIT BUREAUS ACCOUNT 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 WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE ADDRESS IS INCORRECT AND THE OPEN DATE IS INACCURATE THE LAST DATE IS INACCURATE. THIS IS GROUND FOR REMOVAL. THEY ALSO VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 604 A SECTION 2.

THIS LAW CLEARLY STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MT WRITTEN INSTRUCTIONS. 

I HAVENT GIVEN THESE ACCOUNTS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT
Consumer complaint received 2023-08-10
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I have a checking account with the Citizen Bank that I don't check very often. This week when I logged in to my online banking I realized that in XX/XX/XXXX, XXXX XXXX transferred {$5000.00} from my checking account, but I don't even have an XXXX XXXX account, this was an unauthorized transfer. 
In XX/XX/XXXX, XXXX XXXX XXXX and XXXX XXXX transferred in total of {$2300.00} from my account, also unauthorized. 
In XX/XX/XXXX, XXXX transferred {$5000.00} from my account, but I have never opened an account at the XXXX. In XXXX, the XXXX deposited {$5000.00} back to my account while I was not aware of. In that month, someone used " Step transfer '' to transfer {$3100.00} from my account and I don't even know who and why did this.
Consumer complaint received 2017-02-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

NATIONSTAR is manipulating the numbers ( costs ) shows on my ESCROW ANALYSIS. I received my escrow analysis on XXXX/XXXX/17 and it was incorrect because it showed PMI. I requested an updated escrow analysis be performed on XXXX/XXXX/17. With the new analysis, to my surprise, the result is the same : " There is a shortage of $ XXXX '' ; however, the new anticipated annual disbursement without PMI is nearly {$1000.00} less. So I need NATIONSTAR to explain to me what calculation do they do to estimate the lowest projected balance and the minimum required balance. I have both escrow analysis for review upon request.
Consumer complaint received 2023-07-26
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-09-23
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. (IL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/2022 -XXXX XXXX XX/XX/2022 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX  XXXX -XXXX XXXX -XXXX  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 an account without my written instructions.
Consumer complaint received 2023-11-10
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. (AZ)

I discovered these alleged hard inquiries. I do not recall authorizing these inquiries and I would like to see these deleted immediately. 

RXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Uplift, Inc (NY)

Tried to log into their payment portal multiple times to make a payment prior to it being 30 days late. The only way to pay is with a debit card that requires text sent to your phone before it will let you log in. I was unable to log into their site and tried to resolve this with the company- no one was able to assist me. This lead to my payment being processed a day later than expected and to a " 30 day late '' payment on my credit report despite my multiple efforts to pay prior to this with no resolution. The company has no response to me in regards to their website repeatedly failing resulting in me not being able to access the code to log in. This does irreparable damage to my credit report.
Consumer complaint received 2023-01-20
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 XXXX XXXX XXXX XXXX  Balance {$460.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$400.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} ; XXXX XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX XXXX XXXX Date Filed XXXX. 
XXXX, XXXX Reference Number XXXX ; XXXX XXXX  Bankruptcy : Bankruptcy Date Filed XXXX. XXXX, XXXX Reference Number XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ;