davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (MI)

On XXXX XXXX I received a notice of default letter from Fay Servicing LLC with a date on the letter of XXXX XXXX. XXXX days after that a certified letter of the same was put in my mailbox where no signature was even required. The letter is attached in this complaint. I also want to mention the investor of this loan is XXXX and I think they need to know about this as well. 

I was on a previous payment plan paying an astronomical amount of {$5500.00} a month. The plan was for 5 months. The last payment put me in default due to circumstances beyond my control. I never missed one payment over the 4 months. 

I have been trying to contact the account manager- XXXX XXXX XXXX assist in this matter because I am suffering a hardship ( loss of income due to XXXX XXXX ), current law suit from hospital requesting garnishment of wages, and emergency home repair where a furnace needed to be purchased ) All happening in the months of XXXX. I have been sending emails and phone calls with no call or email returned. The back of the default letter page XXXX of XXXX states " WE ARE INTERESTED IN WORKING WITH YOU ..... ''. This could not be further from the truth. I believe they are trying to take my home that I have been in for over 16 years. I WANT TO KEEP MY HOUSE I HAVE NO WHERE TO GO!!!! PLEASE GIVE ME A FINAL OPPORTUNITY!!!! 

While other representatives have answered they are either rude or giving misinformation, threatening ME WITH FORECLOSURE or plain just don't know what they are talking about. That is the purpose of speaking to the account manager. My questions are not addressed to my satisfaction. I DO NOT QUALIFY FOR STATE ASSISTANCE IN MICHIGAN. 

I also sought assistance from a XXXX XXXX XXXX which is a not-for-profit organization which provides resources to help a homeowners who are in danger of foreclosure. I want to mention an Account Manager by the name of XXXX XXXX Fay Servicing XXXX ). On a recorded line with myself, XXXX XXXX of homeowner alliance protection and XXXX, while is was asking a questions pertaining to my mortgage with my permission, she actually joked about my situation. Please listen to the message. The phone conversation was on Monday, XX/XX/22. 

I already know the person who will answer this complaint will say the same thing : WE ARE SORRY YOU EXPERIENCE THIS .... I am tired of hearing that XXXX. Start having compassion for people struggling in a bad economy. They need to train these employees. If you read all of the complaints on the XXXX  and XXXX, thousands of people are being threatened and speaking to unprofessional employees on a daily basis. 

I have the ability to pay and now back to work. I want the opportunity to keep my home.
Consumer complaint received 2024-03-04
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. (NY)

In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXXXXXX XXXX  Account # XXXX XXXXXXXX Account # XXXX XXXX XXXX Accounts # XXXX XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX. 
Account number XXXXXXXXXXXXXXXXXXXXXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account XXXX XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX Account number XXXX All these accounts Has violates 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 consumer reporting agency can not furnish a account with out my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the Following of information any other adverse item of information, other then records of conviction of crimes which antedates the report by more then 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 a reasonable cause to believe the information is inaccurate
Consumer complaint received 2017-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (DC)

I chose to refinance my Federal student loan with a private company for a better interest rate. Nelnet ( the Federal loan servicer ) was auto-debiting my account for the payments as previously arranged. The auto debit came out the day before my principal payoff paid off the loan for the amount that was due on that day, yet Nelnet shows I have a XXXX balance even though the original payment toward the principal should be refunded. In the principal payoff deposit from the private lender, they chose to take interest from that to XXXX out my balance and not give me a refund.
Consumer complaint received 2023-08-02
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Adjusters, LLC (TX)

National Credit Adjusters {$2100.00}. I have no idea who this comapny is. Can they provide me the original application, ssn #, copy of signature, DL #, & current address.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 


XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX Balance : {$760.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$8300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are old reports on background screenings that still shows up when applying for employment even after providing documentation from court as evidence that there was an error made by mistake. In XX/XX/2019, I was notified by certified mail from another XXXX XXXX XXXX in regards to a criminal case that occurred sometime in XX/XX/2019, and I was one of the victims listed for identity theft and my personal information including drivers license was compromised.
Consumer complaint received 2023-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NE)

My husband and I were forced to refinance our existing mortgage with your company after we fell behind on two payments due to a loss of income. We were threatened repeatedly with foreclosure and out of destitution of losing our home, we signed the paperwork. The refinance fees were astronomical, and our interest rate was outrageous. Our new mortgage payment was over {$2000.00} a month and it was only by the grace of God that we were able to cash out a retirement account to cover the expense. We would end up having to refinance the house again a second time just to get payments that were more manageable. We felt taken advantage of and misguided during this time period. We have not heard from Wells Fargo since the XX/XX/XXXX verdict.
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (AL)

I ordered an item off Costco.com with my Costco Citi ( surprisingly known as the best card, my foot ) on XX/XX/XXXX. Costco apparently ran out of the item before shipping the product, so they never shipped it and cancelled it XX/XX/XXXX ( after I called to confirm delivery date, they didnt have the courtesy to call or email me about cancellation. 

The payment was showing pending even a few days after so I filed a dispute on the pending charge, hopefully for it to escalate. I called Costco and they said the bank is holding the money. Called Citi bank and theyre saying Costco is holding. Theyre saying that its gon na take 30 days for it to come off or the transaction has to go through on the account. How will the payment go through if the order is cancelled and the vendor doesnt have the merchandise? I tried to see if there is any way to escalate by showing them ( citi bank ) proof of cancellation and they said no. 

Ive been on the phone for the last 2 hours back and forth. Now theyre holding XXXX dollars on my card which only has a XXXX credit limit. I cant afford to buy any XXXX presents. Now I have to wait 30 days for this. This is ridiculous.
Consumer complaint received 2022-11-04
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)

I have not applied for any new credit or authorized anyone else to run my credit in the last 3-4 years. I recently downloaded a credit tracking app and was surprised to see the number of unauthorized inquiries on my report. This has greatly impacted my confidence and ability to apply for anything because I know I will either be denied or receive a high interest rate.
Consumer complaint received 2023-06-16
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. (FL)

I submitted a letter to the Credit Bureaus to delete this suspicious information. I think you have not validated this account 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 XXXXXXXX
Consumer complaint received 2023-02-01
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. (NY)

I am making this complaint by my own free will not with a third party but me myself and I so please do not close it down. Please submit it to the credit reporting agencies. so i was looking at my credit report and i noticed that there were some accounts i didn't recognize so i wrote to the credit bureaus asking them to remove the accounts that didn't belong to me and i never heard anything back and the accounts are still on my credit.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (MN)

It is unjust that 3 businesses can have access to such personal and potentially damaging information such as my Social Security Number, and be so careless with the security of these sensitive materials. Even more unjust is that in the wake of their negligence, we the consumer, must pay $ XXXX {$10.00} simply to institute a credit freeze, which at this point is a syringe of water to extinguish the forest fire that is our lack of adequate protections. 

If a credit freeze is my only option in the wake of these companies ' negligence to properly secure our information, then it should at least be free.
Consumer complaint received 2023-05-20
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: Experian Information Solutions Inc. (SC)

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. 

XXXX : XXXX, XXXX XXXX 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.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

1.15 U.S. Code 1681i states I have the right to my privacy it also states a consumer reporting agency can not furnish a account without my written instructions. Code 1681s 3. 15 U.S. Code 1681b 4. 15 U.S. code 1681 a a person shall not furnish any information relating to any consumer reporting agency if the person know or has any reason to believe the information is thus inaccurate I ask that the accounts listed below are fairly removed from my credit report since the information is incorrectly reported. 

Before doing so i would like to state that the Name XXXX XXXX XXXX Is not my name! 
My name is XXXX XXXX and only XXXX XXXX The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bills Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Considering the fact that this information is Incorrectly reported on my credit report I ask that it is removed. 
Thank you
Consumer complaint received 2023-05-20
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: Experian Information Solutions Inc. (AL)

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX  XXXX XXXX XXXX AL XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX 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 2023-05-31
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)

To XXXX XXXX EQUIFAX : This document is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified. You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the lack of evidence in this complaint. I don't think your report is accurate. I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate.
Consumer complaint received 2023-07-15
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My ex-wife stole my identity and social security number to purchase a car. She did it as a co-owner without my knowledge. She wrote false information on the loan documents. She purchased a XXXX XXXX XXXX from XXXX XXXX XXXX on XX/XX/XXXX. I was unaware until XXXX of XXXX when I was looking at my credit report and noticed it. Once I noticed it, I asked her to return the vehicle and get it paid off. I reported it to the police but they told me that they were unable to take it on as it is a civil case. I reported it to Capital One Auto, however, they denied my claim. The total amount stolen was {$29000.00}. She stopped making payments and I felt frustrated and like I had no recourse and my credit was taking a hit so I made a few payments. I have made a fraud report with XXXX and Capital One Auto. I had a court date where she did not show up. so the judge didnt do anything because he didn't hear from her.
Consumer complaint received 2023-03-23
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: EQUIFAX, INC. (FL)

I mailed by certified mail to Equifax, XXXX, and XXXX ; ( 1 ) appropriate proof of the identity of me as the consumer ; ( 2 ) a copy of my identity theft report ; ( 3 ) the identification of such information by me the consumer, and ( 4 ) a statement by me as the consumer that the information requested to block is not being made in error nor is the information requested by me the consumer is on the basis of a material misrepresentation of fact by me as the consumer relevant to the request to block. The information to block is not information related to any transactions by me as the consumer. 
The certified mail was received on XXXX  by the three consumer reporting agency.I have not received any notice that the alleged information was blocked within 4 days of the receipt and I have not been able to view my credit reports. 
































92 )
Consumer complaint received 2023-05-31
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 account shows inaccuracy in the report of the 3 credit agencies showing in equifax that in XXXX and XX/XX/2018 late payments were made, and in XXXX XXXX and XXXX. thing in which I never had any late payments, and this report is negatively affecting me.
Consumer complaint received 2023-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (MO)

Today, XX/XX/XXXX, I got a call from XXXX XXXX XXXX saying that I have a XXXX charge that I need to pay but it's under the name XXXX XXXX. My social sec card and driver lisrnce was stolen in XXXX and someone may be using my identity. I don't even own a XXXX account.
Consumer complaint received 2022-11-10
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: Specialized Loan Servicing Holdings LLC (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor SPECIALIZED LOAN SERVI XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2022, I received a text message from Bank of America stating, " < # >BofA : DO NOT share this Sign In code. We will NEVER call you or text you for it. XXXX XXXX. Reply HELP if you didn't request it. '' I also received several emails regarding a newly opened bank account with associated applications pending and approved. I called Bank of America and began a claim to close this fraudulent account. My social security number was used for this account, as well as my maiden name. However, my address was not utilized. I want to ensure my identity is not stolen and my credit remains intact.