davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
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: EQUIFAX, INC. (FL)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
Account Number : XXXX Delete this account.
Consumer complaint received 2015-07-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

We transferred title on property encumbered with XXXX mortgage and note serviced by NationStar Mortgage , LLC. XX/XX/XXXX, on the same day the closing agent, title company paid off the mortgage balance.. 
On XX/XX/XXXX we requested in writing to NationStar a written and recorded proof of Release and Satisfaction of Mortgage, as of this date no response. Our credit reportswith XXXX credit bureaus show said mortgage balance unpaid. Escrow account not involved. 
We are attempting to correct our credit scores prior to purchasing another home. 
Also need written proof the mortgage is recorded as Released and Satisfied.
Consumer complaint received 2020-12-13
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. (MI)

I am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering my abilities to become more successful.
Consumer complaint received 2020-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

Hi, I have something listed on my account named XXXX. However, Ive never had an account with these people. I reached out to the number listed and they said they can not give me access to account details because I am not the owner of the account. Makes no sense if its on my credit report in my name but I can access. I tried to dispute as fraud but I can not because they wont even send me any documentation to dispute. Ive been a victim of identity theft since 2007 please remove as I was never contacted and have no knowledge of this account and why its on my report. I attached my fraud alert and the account listed.
Consumer complaint received 2020-12-13
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX  sued by Cfpb before for not applying payments to consumers accounts correctly?
Consumer complaint received 2024-04-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ALLY FINANCIAL INC. (TX)

Good Afternoon, Once again, I am reaching out for assistance with late fees erroneously applied this account. The due date on this account was the XXXX of each month. I use my online bill pay through XXXXXXXX XXXX and as you can see the payment is sent out well in advance of the due date to Ally Bank. One Ally Bank representative even told me that they have a 3-day Grace period before applying a late payment charge. Ally Bank claims the Postal Service in their area is subpar and therefore the payments dont arrive when they should, however they are refusing to update the timeframe with XXXXXXXX XXXX to allow for the extra time through the online bill payment option or work with XXXXXXXX XXXX to have an ACH option that would allow payments to arrive withi

n 1 business day. As you can see below and from the attached Proofs of Payments fro
m XXXXXXXX XXXX The XXXX payment should not have been charged a late payment fee as it was received by Ally Bank on XX/XX/XXXX, the due date was XXXX, meaning it was received 2 days before the payment was due. 
Date Payment was sent Date Payment was Received Date Payment was Deposited Date of Late Payment Charge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attempted to reach out to Ally Bank several times in order to have the late payments waived. 
XX/XX/XXXX at XXXX CST - Called Ally Bank 's customer Service and asked to be transferred to a supervisor. The hold time was over an hour and I had a previous engagement that I had to attend and could not wait that long. 
XX/XX/XXXX at XXXX CST - Called Ally Bank 's Customer Service XXXX XXXX, spoke with a Customer Service Representative but the call dropped as the representative was reviewing my account after 35 minutes on the phone. However, I was told that Ally Bank has a three ( 3 ) day grace period on payments before a late payment is charged during this call. 
XX/XX/XXXX at XXXX CST - Called Ally Bank and spent 14 minutes reverifying my account and then requested a call back from a supervisor/manager. 
XX/XX/XXXX at XXXX CST - Spoke with a manager that was very rude and condescending regarding my account. She accused me of trying to tell her how to do her job which was not the case at all. I made the last payment on my account of {$110.00} and ask that she waive the late fees. She told me that she could only request one be waived. 
Once all three of these late fees are waived, this will conclude my business with Ally Bank now and forever more. 
Thank you for your time. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-07
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)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-14
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: CCS Financial Services, Inc. (NC)

To whom it may concern : Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : Credit Collection Service Account Numbet : XXXX Account name : XXXX XXXX XXXX Account number : XXXX You're reporting this collection as a " OPEN ACCOUNT '' which isn't under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-07-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Our loan was with XXXX, which was a horrible experience. we never been late and we 've always paid our property taxes. So we asked that no escrow account be set up. they proceeded to stick a XXXX. + charge on us and no one can explain the charges so we continued to pay ONLY our mortgage. NOW, XXXX companies later, and so many calls later, we are still trying to get this charge removed. We 're not able to get anyone at Nation star to help. I have copies of our taxes being paid the year they 're claiming. please help.
Consumer complaint received 2023-02-22
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. (FL)

I have a agreement with WITH XXXX XXXX XXXX {$41.00} monthly and the account will never carry late fees until paid off. Ihave been paying the agreed amount automattically each month without fail. They are reporting me past due. I am NOT past due.
Consumer complaint received 2024-04-13
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NJ)

I purchased XXXX XXXX cards, {$50.00} each, late XXXX or early XXXX of 2023 as holiday gifts for my son and daughter in law in XXXX Va. I live in New Jersey. 

My son and daughter in law informed me that when they tried to use the cards, there was no money on it. They were drained. They called the number on the card and were informed that the cards were used at a XXXX store in California. They continued to call and ask for the cards to be restored but got nowhere. The last XXXX numbers on the cards were XXXX and XXXX. 

I wrote on several occasions to the CEO of XXXX I'm reasonably sure he never got the letters. The answers I got were that XXXX is not responsible. I have to talk to the bank. I contend that XXXX  is the enabler in these thefts as their name is on the front of the card. No one would buy these cards from some unknown bank. They buy because it says XXXX  or XXXX or XXXX. i got nowhere. I have also written to XXXX XXXX and my Representative XXXX XXXX concerning this. 

I did call the service provider Incomm and after several hours of waiting and talking I got someone who said they would send me a new card. And they did but not only did it have no money on it the card said it was non reloadable so it is useless. Although it is good The last XXXX of the card is XXXX. All cards were issued by XXXX XXXX XXXX. The cards are distributed and serviced by Incomm Financial Services Inc. 

Also, I emailed the city attorney of XXXX XXXX who has a lawsuit against Incomm and Vanilla because they do not have the proper security on these cards to prevent them from being drained.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (FL)

To officially notify Chase Bank XXXX, XXXX and XXXX maintained information on my report as a consumer reporting to companies what was knowingly false : Example XXXX XXXX XXXX Creating a mixed member file block. Wrong name still posted ( XXXX ) and wrong data ( XXXX XXXXXXXX files ). Preventing an accurate financial picture. 
Per XXXX XXXX the correction is inhibited and a ticket was created to fix mixed member and remove XXXX. 
A followup was made on this and XXXX was to correct this in XXXX hours due today Saturday XX/XX/13 ; the issue is not resolved.
Consumer complaint received 2020-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently filed a report with XXXX, Transunion, and XXXX  of inaccurate items being reported on my credit reports. XXXX  and Transunion removed the above mentioned item once an FTC Report and documents to verify my identity were sent. XXXX  did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2020-12-13
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. (CA)

I recently filed a report with Experian, XXXX, and XXXX  of inaccurate items being reported on my credit reports. Experian and XXXX removed the above mentioned item once an FTC Report and documents to verify my identity were sent. XXXX did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2020-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, I have something listed on my account named XXXX. However, Ive never had an account with these people. I reached out to the number listed and they said they can not give me access to account details because I am not the owner of the account. Makes no sense if its on my credit report in my name but I can access. I tried to dispute as fraud but I can not because they wont even send me any documentation to dispute. Ive been a victim of identity theft since 2007 please remove as I was never contacted and have no knowledge of this account and why its on my report. I attached my fraud alert and the account listed.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank (GA)

The underlying company XXXX XXXX XXXX XXXX  is currently listed on my credit report as a debt of XXXX. I have no recollection of ever doing business with this company. I have also contacted this establishment in the past as well and advise them of this incident. However, they have not complied. I have ask for any instrument bearing my signature that constitutes my involvement with them.. I have not receive a response.
Consumer complaint received 2023-06-01
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts 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, 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 has reasonable cause to believe that the information is inaccurate.

Also, Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (CA)

Please be advised that I have tried since Wednesday, XXXX XXXX, 2017, to obtain a letter of mortgage reinstatment from our mortgage company, Seterus , Inc, XXXX XXXX XXXX, XXXX, CT, XXXX. There contact number is XXXX. 

I have spoken with several Seterus representative 's asking for this document. I have asked that the document be faxed to my attention. The representatives state it takes 5 days to mail. I have waiting five days and it still has not arrived via fax. Then I was that it had been mailed instead of faxed to which I have not received in the mail yet. I find it unacceptable that it would take this long to fax a document. I have read customer reviews indicating the same complaint with delay in receipt of documents. 

In conclusion, I have attempted to work with Seterus by being patient, making several calls, but no documents. I have even been told by Seterus representatives that this matter has been escalated to administration. However, no resolution. I am in the process of finalizing a loan to pay my mortgage current, but can not obtain the funding without this reinstatement letter. Please help. 

Thank you XXXX and XXXX XXXX XXXX XXXX Loan # XXXX
Consumer complaint received 2020-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

This is the XXXX time disputing this frivolous information on my credit report. I have sent letters certified mail XXXX different times. I have also sent om XX/XX/2020 a transcript from XXXX of our entire conversation stating THERE IS NO BANKRUPTCY ON MY CREDIT FILE. Equifax is reporting XXXX bankruptcies on my credit report. Their 3rd party verification department is XXXX. XXXX XXXX " DE ; ETED '' all the bankruptcies because they did not belong to me. Also I have spoken with XXXX and they have also disputed the information with Equifax to have it removed immediately. Equifax " refuses '' to delete the information even though i sent them proof that it has been deleted. I also spoke with XXXX a Consumer supervisor at XXXX she stated and I quote " Equifax has not requested any verification from us since XXXX of 2020, If they would have requested it the would have know there is no bankruptcy in your file. '' Why is CFPB and FTC still allowing this to happen? why are you not enforcing the law? I will again submit a copy of the XXXX report showing the deleted bankruptcy. Also I will send over the letter i just received from Equifax showing they verified it as accurate