davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
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)

This is my Fifth 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 inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-05-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (DC)

Mediation was done in court between NationStar attorney and borrower at the beginning of XXXX 2016. The agreement was to get the modification packet request to Nation Star.Modification request was sent by there due date. Left message with account manager on XXXX/XXXX/16 also spoke to XXXX who advised of other docs needed. These were faxed. Left another voicemail with acct manager on XXXX/XXXX/16. As of to date no return call from account manager. I spoke to a representative today, XXXX/XXXX/16 who advised me that the account is closed and house went up for sale on XXXX/XXXX/16
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-11-28
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)

This letter that was submitted to the credit bureau shows it was a paid-for deletion account, and they are unwilling to delete the account from the credit report. XXXX has removed the account, but XXXX and Equifax failed to comply
Consumer complaint received 2023-02-16
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. (MD)

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 incorrect personal information. 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 2023-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX. A victim of identity theft a long time ago. After that incident there were incorrect and inaccurate items that appeared in my report. Please delete all of the following ACCOUNTS and INQUIRIES from my credit report immediately. Besides these items, also delete the incorrect addresses that I did not live in and I do not go by. They are all a result of ID theft. Please remove these items which are not as soon as possible. Please see attached IDENTITY THEFT REPORT.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy. 

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX : Account XXXXXXXX XXXX XXXX XXXX : Account # XXXX
Consumer complaint received 2022-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I have been having a difficult time making my monthly payments on my loan with  XXXX . In  XXXX , I had several  XXXX  student loans consolidated which at the time had a principal balance of {$95000.00}. I, unfortunately, was diagnosed with several medical issue s ( i ncluding  XXXX   XXXX   ) a nd have had an increasingly difficult time making the loan payments.  XXXX  apparently bought the loans from  XXXX  and started calling me several times. When I explained to the customer service representatives that I was unable to make payments, they reassured me that they were sensitive to my circumstance and they suggested I go into loan forbearance as it would not adversely impact me but would give me ample time to repay my loan when my circumstances hopefully improved. After it was agreed to loan forbearance, I noticed a few months later that my principal balance was increasing despite the fact that I was assured the forbearance plan would simply delay my payments until I can pay them. I was not aware that I was being charged interest or fees during this period and that my principal balance would be increasing. The customer service representative made it sound like they were doing me a favor by forbearing the loan given my circumstance. Instead, I learned that they duped me and were instead charging me over {$400.00} per month in additional principal. I was literally duped by  XXXX .  <P/> When I finally realized what was going on ( because I had my son try to help explain the matter ), I reached back out to Navient and spoke to a gentleman named  XXXX  on  XXXX / XXXX / XXXX . He, unfortunately, confirmed that I am being charged these fees that I was unaware of. Unfortunately, I still dont have the ability to make the monthly payments. The company should be fined for misleading me. I would be surprised if they have n't done the same thing to countless other customers. They literally try to take advantage of people like me who have been ill or can not make the payments by encouraging us to go into loan forbearance without properly explaining that we are going to have to pay a huge amount of interest or fees. Its wrong and unfair.  <P/> Id appreciate any assistance you can provide and if you could please call me at  XXXX  to let me know what is the best way to resolve this matter. Thank you in advance for all your assistance.  <P/><P/>  XXXX
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (PA)

US BANK HOME MORTGAGE - I WAS UNDER CARES ACT UNTIL I PAID OFF MY MORTGAGE IN ONE LUMP SUM. US BANK REPORTED AS A DELINQUINT ACCOUNT. I WAS NEVER ONCE LATE ON A PAYMENT OUTSIDE OF THE CARES ACT IN 20 YEARS - MY ACCOUNT WAS CURRENT UNTIL I QUALIFIED FOR FORBEARANCE. I THEN PAID OFF MY MORTGAGE/ ACCOUNT AT THE END OF MY FORBEARANCE. US BANK REPORTED AS " DELINQUINT WITH XXXX BALANCE '' AND DROPPED MY CREDIT SCORE OVER XXXX POINTS. I HAVE REACHED OUT US BANK TO DISPUTE AND RECIEVED A LETTER THAT I DID PAY DURING THE FOREBEARANCE TIME AND SO THEY REPORTED IT AS DELINQUENT.
Consumer complaint received 2017-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

i tried contacting this company zillions of times and left voice messages never recieved a call back there trying to collect on a debt and ruin my credit i never opened with them and i sent them the police report multiple times throguh XXXX and XXXX they keep verifying this account, i never lived in ohio or been there where this account was opene
Consumer complaint received 2023-05-29
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. (MD)

Theses companies are violating my rights reporting in accurate information on my credit report can you please remove I already contacted the furnisher and requested to remove theses accounts XXXX account number XXXX XXXX XXXX account number XXXX 15 U.S.C 1681 Section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1666B 15 U.S.C 6802B
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I was charged overdraft fees when I didnt allow a third party to charge my account in the first place but they were still able to even when I told my bank to not allow them to charge my bank account. I was charged {$35.00} of overdraft fees numerous of times. Once on XX/XX/2021 on my checking account with Wells Fargo. I was charged over {$75.00} from the third party called XXXX XXXX  on the month of XXXX, XXXX, XXXX, and XXXX which they had already terminated my contract with them. I seeked for a resolution from the third party and they told me to take it up with my bank since they cant do refunds and when I asked my bank for help they told me to talk to the party that charged me. It was very inconvenient since at the time I was barely making a livable wage.
Consumer complaint received 2023-02-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

This complaint is for a home equity line of credit ( HELOC ) with Specialized Loan Servicing ( part of the XXXX XXXX ) at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. 

XX/XX/XXXX : I received a payoff quote of {$120.00}. There was no previous balance due on the account, and the payoff amount was for fees to release the lien. 

XX/XX/XXXX : I submitted a letter to SLS requesting that they freeze my account to so that I may pay the payoff amount and close the account. I submitted this letter per instructions from an SLS rep. 

XX/XX/XXXX : I paid {$120.00} per the payoff quote. 

XX/XX/XXXX : I received an email confirmation from SLS that my payment had been applied to my account. 

XX/XX/XXXX : I called XXXXLS to request that my payment be applied to my account and for the account to be closed. I was told that the payment would be applied within a few days and that by XX/XX/XXXX I should receive a letter from SLS that the lien has been released and account closed. 

XX/XX/XXXX : SLS generated the monthly account statement on this date and the {$120.00} payment is still unapplied. 

XX/XX/XXXX : I did not receive a letter from SLS about releasing the lien and closing the account. 

XX/XX/XXXX : I have still not received a letter from SLS about releasing the lien and closing the account. I called SLS to ask about the status of closing the account. I was told that I needed to submit a letter requesting the account to be closed and a copy of my drivers license. I was not told this information when I requested the payoff quote or when I called SLS in XX/XX/XXXX. The SLS rep said she would escalate my complaint to a supervisor who would call me back to also tell me that I need to submit a letter requesting the account to be closed and a copy of my drivers license. 

I believe the company is intentionally not closing the account and changing the requirements to close the account in order to keep the account open as long as possible and stop from losing a customer.
Consumer complaint received 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX transunion and XXXX have all said that my credit report was true and accurate and it is not. 
They are also under several XXXX violations. 
15 USC 1681b 15 USC 1681c 15 USC 1681n And now 15 USC 1611.

15 USC 1681b- states that any consumer reporting agency May furniture Consumer report under following circumstances and no other '' in accordance with the written instructions of the consumer to whom it relates ''. XXXX TransUnion nor XXXX can produce this document because none of them had my written instruction to put these accounts on my credit report. 

15 USC 1681c- states that 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 conviction of crimes. '' 15 USC 1681n- I have received actual damages because of XXXX XXXX and transunion. I can attach the documents for proof as well. I want to be compensated as well. 


I want the accounts listed below to be removed from my credit report for not being true and accurate. I also want them remove for being under several USC violations. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (AL)

There was an account opened wit h PayPal.com i n  XXXX  of  XXXX  by someone other than myself I was made aware of it on  XXXX   XXXX ,  XXXX  when my actual account was " limited until we hear from you '', I immediately contacted  PayPal.com  and was made aware of the fraudulent account with a balance owed of {$1100.00} that after several attempts to dispute was deemed to be a valid account, and I would be held responsible for the balance. The only thing on the account that was mine was the social security number the name was incorrect which I uploaded AND faxed  4 ( four ) f orms of ID to verify. The address which I had once lived at when I was very young was no longer correct nor was it correct at the time the account was opened. The email address is unknown to me, yet I am still being held accountable for this debt. The legal department w ith PayPal.com has y et to respond to my Fair Credit Reporting Act ( FCRA ) request for the information that I am entitled to as an identity theft victim which is crucial to me being able to prosecute whoever has done this to me. Be wary of this company they have treated me like a  XXXX   XXXX  refusing to give me information, hanging up on me and stating that I have absolutely no alternative other than to pay this debt that I do not owe.
Consumer complaint received 2017-05-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On   XXXX    , I submitted a request to Experian that they provide the method of verification on  XXXX  inaccurate accounts listed on my credit profile. This request was sent via certified mail and Experian received my request on   XXXX  . As of  X/X/17   , I have not received the requested information from Experian and the inaccurate accounts still remain on my credit profile and the results still remain as pending.
Consumer complaint received 2023-02-06
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: Bread Financial Holdings, Inc. (TX)

Hard credit inquiry not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-12
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. (TX)

This is my 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 inaccurate 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2022 XXXX bank withdrew {$2400.00} from my account for check # XXXX written on XX/XX/2022 to XXXX. On XXXX XXXX XXXX bank withdrew {$180.00} from my checking account for my check # XXXX made out to XXXX XXXX. The checks were deposited at Bank of America and cleared through XXXX. In both cases the endorsements that Bank America cashed were not the payees I had designated. Check # XXXX was endorsed by " XXXX XXXX '' and check # XXXX was endorsed by " XXXX XXXX ''. I filed claims to get both amounts back ( as I was told would happen by XXXX ) in early XX/XX/2022. I have called XXXX just about every week since then and get the same answer each time that they can't do anything and I have to wait until Bank AMerica responds to their letters. There has been no response from Bank America other than they acknowledge getting the claims. It has been 5 months now with no action.
Consumer complaint received 2016-07-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

NATIONSTAR MORTGAGE HAS FAILED TO CORRECTLY MAINTAIN OUR MORTGAGE ACCOUNT. XXXX 2016 REVEALED THAT THEY ADJUSTED OUR MONTHLY PAYMENT DOWN BUT UPON PERSONAL DISCOVERY LOCATED THAT THIS WAS DONE IN ERROR DUE TO THE COMPANIES ILL ATTENTION AND RESEARCH WITH OUR LOCAL COUNTY TAX BOARD TO CALCULATE THE ESTIMATED PROPERTY TAX AMOUNT. THEY ISSUED AN APPROXIMATE {$8500.00} REFUND AS A RESULT AS WELL. AFTER AN APPROXIMATE 6 HOURS ON THE PHONE TO CORRECT THE ISSUE, AN AGREEMENT WAS MADE WITH NATIONSTAR THAT US/THE CONSUMER WOULD ISSUE 2 CHECKS. 1 FOR THE MONTHLY PAYMENT AND 1 TO CATCH UP THE ESCROW ACCOUNT THAT THEY HAVE NOW SHORTED AS A RESULT OF THE ABOVE ERROR. INCLUDED IN THE OVERNIGHT PACKAGE WHICH INCLUDED THE ABOVE SAID 2 PAYMENTS WAS A TYPED LETTER OF HOW THE PAYMENTS WERE TO BE CREDITED IN ADDITION TO A NOTE IN THE MEMO SECTION OF EACH PAYMENT SAYING " PAYMENT '' AND " ESCROW. '' UPON ARRIVAL OF OUR XXXX MONTHLY STATEMENT, " NATIONSTAR '' HAS YET AGAIN FAILED TO SERVICE OUR ACCOUNT CORRECTLY AND APPLIED THE " ESCROW '' PAYMENT TO PRINCIPAL.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive reached out in writing requesting debt validation from XXXX, XXXX and Transunion. 

All agencies are posting inaccurate information on my credit reports. 

XXXX XXXX XXXX. has two accounts on my report. I have never done business nor am I in any contract with this company. 

XXXX isnt my account. They arent my carrier.

In addition I have 12 inquiries on my reports, and Ive not given any company or agency permission to pull my credit. 

Ive requested that the agencies comply to the FCRA and remove this derogatory information and hard inquiries immediately.