davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX DPT ED/XXXX  XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DPT ED/XXXX
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

In XX/XX/XXXX, being XXXX years old, I filed for chapter XXXX bankruptcy for the first time in my life, after losing my job with XXXX XXXX in XX/XX/XXXX due to illness, which I was finally approved for Social Security XXXX in XXXX, retroactive back to when I lost my XXXX XXXX XXXX. 
Just prior to losing my job, I bought a new XXXX XXXX XXXX on XX/XX/XXXX, financed by XXXX  XXXX XXXX. I have continued to make my {$550.00} per month payments on time. Since XX/XX/XXXX, XXXX XXXX XXXX removed my online access to my car loan account, and stopped reporting my on time monthly payments to the 3 credit reporting bureaus. I have called XXXX  XXXX XXXX bankruptcy customer support 3-4 times since my chapter XXXX bankruptcy was discharged in XX/XX/XXXX, although my XXXX  was never included in the bankruptcy filing. 
Even though my chapter XXXX was discharged in XX/XX/XXXX, XX/XX/XXXXXXXX XXXX still refuses to reinstate my online loan access, and even more importantly, reporting my monthly on time vehicle loan installment payments. XX/XX/XXXXXXXX XXXX also still has my account misclassified with the credit bureaus, as chapter XXXX and closed.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I reached out XXXX XXXX XXXX   along with Experian, XXXX, and XXXX  multiple times they have not responded with any debt validation. 

I have no contract with XXXX XXXX I do not understand how they are able to report that I have a debt with them if they do not have a contract. 

There are two accounts.
Consumer complaint received 2021-06-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

Hello, I have reached out to transworld systems regarding this debt and my request for validation they removed the debt from my report and than placed it back on there with no valdiation of the debt. I need someone to send me validation of this debt within the FCRA timeframe
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3 dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-06-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: East Coast Capital Corp (NY)

Back in early XXXX I applied with East Coast Capital to refinance my mortgage. I spoke with XXXX XXXX. He told me he would come by my house and pick up the required documents. In early XXXX he came by and got the documents. Then shortly thereafter he would not return my phone calls. I received an alert from my credit monitoring service about suspicious activity. I called XXXX XXXX literally 19 times and called his company several times and they brushed me off and sent me to voice mail many times. I explained to the them that he has taken my documents and is now unreachable. After I left a message with XXXX that I was going to report him he called me one time. I called him back within 5 minutes and went into voice-mail all over again. I called him at least 4 times afterwards and still have not gotten a response. I am concerned that my personal information has been compromised and his company is not doing anything about it. I eventually spoke to Mr. XXXX XXXX and he also stated that he would get to the bottom of the matter and would call me back. He also did not call me back.
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I disputed a bankruptcy on my Equifax because it is fraudulent back in XXXX, it is not XXXX and it is STILL under reinvestigation which is WELL past the 30-45 day mark. I have sent countless letters and have even tried to call to speak with someone to understand wy this reinvestigation is taking so long and who have I not gotten any letters or information about it after the countless letters I have sent. I have not gotten a response at all and am very upset about this and how long this had taken. This is very detrimental to my credit score.
Consumer complaint received 2020-03-19
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: EQUIFAX, INC. (NJ)

I HAVE SENT OUT DISPUTE LETTER TO ALL 3 CREDIT BUREAUS ( XXXX, EQUIFAX, AND XXXX  ) MORE THEN 60 DAYS AGO AND STILL NOT A WORD. 
THEY ARE DISREGARDING THE LAW BY NOT RESPONDING TO CONSUMERS DISPUTES AND HOPEFULLY THIS WILL BE THE LAST TIME THIS HAPPENS.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, I am trying to submit a credit freeze for my daughter. After going onto Transunion website to learn the protocol for how to do so I mailed in all of the necessary information ( XX/XX/2011 ). After not receiving a response from them I then mailed in the necessary information again back in XXXX. I have still yet to hear back from them regarding this issue. 

Thank you, XXXX XXXX
Consumer complaint received 2023-05-17
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)

There are MULTIPLE FRAUDULENT inquiries on my credit report. I have reached out to these credit bureaus and companies MULTIPLE times in regard to the fraudulent inquiries and they're still reporting on my credit report. 
I'm reaching out regarding these inquiries and for assistance to REMOVE these inquiries from my credit report immediately.
Consumer complaint received 2020-03-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (NM)

On XX/XX/2020, I contacted credit acceptance to discuss temporary financial hardship due to NM state closing various businesses and allowing only essential personnel to work with 10 employees or less due to the coronavirus. When I spoke with the gentleman, he stated they still expect payment but they will stop all collection calls during this natural disaster. They state they can not defer payments and have no intention to do so even though people are affected due to layoffs and inability to work. There are no contingency plans for this disaster with this company during a national crisis. I was also informed that they will still report your late payment after 30 days but will help by using a special code reporting its due to a natural disaster. Ridiculous.
Consumer complaint received 2020-03-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (FL)

From XX/XX/2020 to XX/XX/2020 I applied for a mortgage with Pentagon Federal Credit Union. The loan officer was eager to do business and pre-qualified me with no issues. As we proceeded through the loan approval process I was told that the credit union would not move forward unless i committed to the appraisal and paid the fee online. I did that as they requested. The appraisal went fine and everything went off to underwriting with no issues. I called the Loan officer on XX/XX/2020 to check on things since the funding contingency was coming up in a week ; I also wanted to check the rates. After 24 hours the loan officer called and left me a message that loan program she quoted me and the details of which were fully described in the Loan Disclosure was a mistake on her part and now I would have to double my down payment in order to qualify for any program. 
I was notified of this 5 days prior to mortgage commitment due date for the purchase. I called to talk to the loan officer and she would not let me speak to a manager. She said a manger would call me, which did not happen. I asked that the appraisal fee be refunded since it was their mistake and not mine. Also, in order to meet my deadline I had to go to another vendor and pay to expedite the appraisals, which was 3x the cost. This lender misrepresented their product and requirements. They then admitted it was their fault, however it is my loss.
Consumer complaint received 2021-06-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: FC HoldCo LLC (TX)

the consumer, has documentary evidence that FLAGSHIP CREDIT ACCEPTANCE LLC has willfully and purposely violated my federally protected consumer rights and pursuant to 15 U.S.C. 1640 and 15 U.S.C. 1611, FLAGSHIP CREDIT ACCEPTANCE is both criminally and civilly liable to pay the consumer damages.

Fact, FLAGSHIP CREDIT ACCEPTANCE LLC failed to inform the consumer that the insurance premium was to be included in the financing charge and would not let the consumer leave the car lot with the consumer goods without purchasing a separate insurance. ( twice the financing charges in damages for each ) Fact, FLAGSHIP CREDIT ACCEPTANCE LLC failed to inform the consumer that the financing charges are to be the sum of all charges leading the consumer to believe that thy are obligated to pay an alleged debt. Furnishing Deceptive Form 15 U.S.C. 1692j recieved letters stating the Consumer owes a debt. Two violations of 15 U.S.C. 1692b ( 2 ) T
wo violations of 15 U.S.C. 1692b ( 5 ). Using language or symbol in the contents of communication Two violations of 15 U.S.C. 1692f ( 8 ). Using any language or symbol other than debt collectors address
Consumer complaint received 2020-03-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

I consolidated two large private student loans through XXXX   which select the loan provider as Navient. Their whole website is catered toward educational loans, so I was under the impression that a private student loan consolidation meant taking another private student loan out with Navient that would pay off the previous two loans and create one private student loan with a lower or averaged interest rate. However, now Navient is telling me this is only partially true. I called to inquire about this and they are saying my new loan is not a private student loan anymore but a consolidation loan which is a non-educational loan. They do not send me a 1098-E and say it is not tax deductible like all other private student loans. I feel that Navient never disclosed this information and is trying to prevent borrowers from receiving the benefit of a tax write off or any national laws regarding private student loans by recategorizing the loan as a non-educational loan, even though the ultimate reason for the loan was educational and all verbiage around the consolidation implied it was an educational loan.
Consumer complaint received 2020-03-19
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: AMERICAN EXPRESS COMPANY (FL)

Hello, I hope all is well in the midst of all of the chaos we are currently experiencing all over the world. 

In an effort to protect myself and loved ones, I wanted to make sure my finances were in order, to make sure my family and I are prepared for the worst. I have not checked my credit score since XXXX, but upon reviewing my report I have noticed several accounts that have been opened in my name that do not belong to me. One of the accounts was removed, and the other account I disputed online through XXXX  XXXX. The account that I am disputing is American Express. This account was said to be opened on XX/XX/XXXX. The balance is supposedly {$1500.00}, with an amount past due of {$530.00}! I have never opened a credit card account with this company, and I have never inquired about getting debt with this company. I do not believe in the use of debt to obtain financial freedom. It also seems that payments were made under my personal checking account, although i don't see how that could even be possible. I learned throughout this process that my information was breached and used over the dark web. Please assist me with this issue. American Express has verified an account that I am not responsible for, and will never be responsible for. This is not right at all for me to be held liable for a crime I did not commit.
Consumer complaint received 2022-07-13
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A : I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-06-18
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

On XX/XX/2021 the company informed me they are starting with foreclosure. On XX/XX/2021 I responded to email that I received from XXXX XXXX on XX/XX/2021 and I asked her why she asked me to make a mortgage payment when I am in a forbearance plan for XXXX and XXXX and I also asked her if I do as she says in her email if I make one payment she will bring my account current. Same I have called her many times and sent her extra few emails for the same question but she never responds to my email. And my forbearance was confirmed on XX/XX/2021 by XXXX XXXX. So I do not understand why this company are making me stress. One person telling me one thing and another telling me other when they are working for the same company and they need to follow the same rules. Because they are going by the account and they see what the status of the account is. When they know I am affected by COVID-19 hardship. And the company needs to follow the Governments rules. They know that before forbearance plan end they can not start with foreclosure process. What ready make Shellpoint Mortgage servicing ( " Shellpoint '' ) need to correct mistake. Like I said before they need to follow Government rules. Not to make people more depressed in this difficult times. And also I have 4 properties and it is valid for all 4 of my properties loan numbers are : XXXX, XXXX, XXXX and XXXX. Because I do not want to file 4 of the same complaints, because it is the same mortgage provider Shellpoint Mortgage Servicing ( " Shellpoint '' ) for my 4 properties that are in the same position.
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Credit Bureau Services Inc. (NE)

INVESTIGATION RESULTS - VERIFIED AS ACCURATE The disputed item was verified as accurate. 
CREDIT BUREAU SERVICES # : XXXX XXXX  XXXX XXXX , XXXX XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. 
Placed for Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$0.00} DateUpdated : XX/XX/XXXX Last Payment Made : : XX/XX/XXXX Original Amount : {$5300.00} Original Creditor : XXXX XXXX XXXX DBA XXXX ( XXXX XXXX ) Pay Status : >Account Paid in Full ; was a Collection< Date Closed : XX/XX/XXXX Date Paid : XX/XX/XXXX Remarks : >PAID COLLECTION< I had made {$100.00} payments per month and more when available. on XX/XX/XXXX I made the finale payment of {$880.00} with confirmation # XXXX. the whole time I was making the payment I was under the assumption from Credit Bureau Services that this would be marked for deletion off of my credit report once paid in full. on the day that I had made the finale payment I had called to make sure that that was still the case. I was then informed that once it hits my credit report as paid in full that I would then need to file a dispute with XXXX XXXX to have it deleted off of my credit report. I filed this dispute on XX/XX/XXXX and got the above report back today XX/XX/XXXX. I then called XXXX XXXX and asked why it was not deleted as I was informed from Credit Bureau Services that was the way to do so. XXXX XXXX informed me that they do not do the deletion and that Credit Bureau has to do the deletion. I then called Credit Bureau and they said they don't do the deletion on accounts as they only report paid and not paid to XXXX XXXX. This is very frustrating for me since neither one seems to know what is going on or how to handle this and I was lied to through this whole process of paying the amount back and am trying to rebuild my credit score from this and start a family.
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.