davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

XX/XX/2022 hired a law firm to save my house. I roughly paid them {$9000.00}. When I started seeing my house was going into auction I called them up XX/XX/2022. They told me they checked into it and told me it was not. When I have been paying them every month and they assured me that while paying them that that amount goes to the mortgage company to get this loan modification done. XX/XX/2022 my house was auctioned off. I have till XX/XX/2022 to evacuate from the property. Now my family of XXXX is having issues of finding a place to rent and stay.
Consumer complaint received 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AZ)

Equifax have blocked my credit report account for months and I am unable to see my credit report account having faxed to Equifax Dispute all copies of my personal information These are: copy of my driving license,  social security number, utility monthly billing statement with a letter requesting to unblocked my credit report. My personal information was faxed as requested to Equifax Fax  #  XXXX XXXX XXXX XXXXI have called Equifax Customer Services at Consumer Care telephone XXXX to expedite my request, but their e-mails to set a new password have failed several times.I believe Equifax is incompetent to set customer requests within a reasonable time.My request to set a new passport were denied stating that my four digit of my social security number XXXX  and date of birth XX/XX/XXXX are incorrect.I feel I cannot longer spend my time and expensive cellular phone calls trying to resolve this issue by telephone.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

XXXX why are you serving the University XXXX XXXX XXXX XXXX XXXX XXXX in my identity? XXXX XXXX and XXXX have always been private lenders. XXXX XXXX and its entities has never been a Federal Lender. XXXX XXXX could consolidate their originated only private student loans thru Direct Consolidation with the Department of Education thru their joint collaboration am I correct? Then the Consolidation loan would become owned by the Department of Education. Then the Department of Education would find a different servicer for the new Department of Education Direct Loan Consolidation am I correct? For all the credit Bureaus XXXX has been falsifying reporting as Educational Loans but actually has falsifying made documents as a consolidation loans. XXXX has not sent me one Promissory Note with XXXX XXXX XXXX as a private Lender of their consolidation loans. XXXX is currently a servicer to student loans in my identity without my permission. XXXX will only pick and choose questions but will not answer all of my questions. XXXX will state repeated question but will not answer all of my questions. Watch this Credit Bureaus. XXXX send thru the CFPB portal those 9 Stafford Loans and {$7000.00} Perkins Loan from the University XXXX XXXX XXXX from your Private Lender XXXX XXXX XXXX. Do not send any loans from XXXX XXXX, XXXX XXXX  or any other federal lender because they are not written in your consolidation package. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX could only purchase consolidation loans after they had been consolidated by a federal lender XXXX why are you reporting Educational Loans to the Credit Bureaus when you should have been reporting Consolidation Loans? Be prepared for rebuttal. XXXX XXXX could only consolidate with the Department of Education then loans would become the Department of Education ant XXXX not the servicer?
Consumer complaint received 2021-09-27
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. (MI)

XXXX why are you serving the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX in my identity? XXXX XXXX and XXXX have always been private lenders. XXXX XXXX and its entities has never been a Federal Lender. XXXX XXXX could consolidate their originated only private student loans thru XXXX XXXX with the Department of Education thru their joint collaboration am I correct? Then the Consolidation loan would become owned by the Department of Education. Then the Department of Education would find a different servicer for the new Department of Education Direct Loan Consolidation am I correct? For all the credit Bureaus XXXX has been falsifying reporting as Educational Loans but actually has falsifying made documents as a consolidation loans. XXXX has not sent me one Promissory Note with XXXX XXXX XXXX as a private Lender of their consolidation loans. XXXX is currently a servicer to student loans in my identity without my permission. XXXX will only pick and choose questions but will not answer all of my questions. XXXX will state repeated question but will not answer all of my questions. Watch this Credit Bureaus. XXXX send thru the CFPB portal those 9 XXXX XXXX and {$7000.00} XXXX Loan from the XXXX  XXXX XXXX XXXX from your Private Lender XXXX XXXX XXXX. Do not send any loans from XXXX XXXX, XXXX XXXX  or any other federal lender because they are not written in your consolidation package. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX could only purchase consolidation loans after they had been consolidated by a federal lender XXXX why are you reporting Educational Loans to the Credit Bureaus when you should have been reporting Consolidation Loans? Be prepared for rebuttal. XXXX XXXX could only consolidate with the Department of Education then loans would become the Department of Education ant XXXX not the servicer?
Consumer complaint received 2021-09-27
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. (NY)

XXXX bank refuse to fix the one late payments they put me in when I was never late with this account I made every payment since its been open on time with no problem. Since they refused to fix I closed the account I refuse to do business with someone who doesnt fault and Flaws of their own. I spoke to numerous reps who all promised me to fix this on their end and months later since no results.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

To whom this may concern, This is my 3rd attempt to respectfully request that the CFPB contact the credit bureau in question to reinvestigate my request to have inaccurate, erroneous, and potentially harmful non-validated items removed from my credit report. It is now my belief that Transunion is attempting to initiate stall tactics by responding to the CFPB that The company needs authorization from you to proceed with your complaint.. PLEASE BE ADVISED THAT I DO NOT HAVE A 3RD PARTY ENTITY SUBMITTING ANY DOCUMENTATION OR THIS CFPB COMPLAINT REQUEST ON MY BEHALF!! THEREFORE, NO AUTHORIZATION OF ANY KIND IS NEEDED!! YOU HAVE FULL AUTHORITY TO CONDUCT THIS INVESTIGATION PER MY REQUEST!!

I sent a request to investigate inaccurate accounts on my credit profile on XXXXXX/XX/2021. At the time of this missive, it has been more than 60 days since I've sent my inquiry but I have yet to receive a response. I am looking forward to making some major purchases very soon for the betterment of my family but these inaccuracies on my credit profile are stopping me from achieving my dreams.
Consumer complaint received 2021-09-27
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: LEXISNEXIS (PA)

I am XXXX XXXX. I am submitting this complaint for myself. I have been disputing a public record for several years. The agencies continued to send back a verified status on my reports. A bankruptcy has been showing on my reports stating verified with LEXISNEXIS. A letter to LexisNexis was sent certified mail/USPS on 9/20/21. The letter states that theyre in violation of my consumer rights according to U.S Code 1681a ( 4 ) - Consumers Right to privacy. This company hasnt verified any of my information to ensure its accuracy. Furnishing both personal or public information has been detrimental to my well being. As well as U.S.15 1681b ( a ) ( 2 ) -Permissible Purpose. LexisNexis never had my written consent to furnish any of my information. According to USPS tracking my letter has been received.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXXXXXX Balance : {$8600.00} XXXX XXXX XXXX Balance : {$370000.00}.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2021-09-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Complaint- XXXX Continued : Thank you for the referral to XXXX XXXX XXXX XXXX In addition thank you for holding Wells Fargo accounatble . 

More complaints : 1. 
Mr XXXX XXXX can be reached at : New Construction Specialist NMLSR ID XXXX Office : XXXX Fax : XXXX Mobile : XXXX He answered his mobile number. The loan that I started with WF is fruedulence from inception. Please address the issue with Mr. XXXX and provide recourse for the loan etc. 

2. 
I was in the action of restructuring my loan when the $ XXXX determination by CFPB was innitiated. Let the record show that I spoke to at least 6 employees of WF. No mention was made to the agreement of compensation to consumers. My losses from the restructure was coarsed and I suffered financial loss. 

3. The initial loan was on a loan to value balance that was not justifiable, and should not have been initiated. The stated appraisal value is not correct. I was forced to close. 

4. Please assist in providing a path to monetary compensation from Wells Fargo as delineated in the arrangement made by CFPB and Wells Fargo. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XXXX, 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on XXXX ( Original Creditor : 14 SANTANDER CONSUMER USA INC ) ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2024-02-21
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: Experian Information Solutions Inc. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2021-09-27
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: EQUIFAX, INC. (AL)

i have disputed with equifax by mail several times about the 12 inquiries on my report i also disputed on equifax website. i called and spoke with the fraud department also these are not my inquiries and i want them removed. Also there is a XXXX XXXX XXXX on my equifax report that is inaccurate along with another one called XXXX XXXX XXXX both are inaccurate there not even on the other credit bureaus due to inaccurate reporting i want them removed open and close dates are wrong, amonuts are wrong i want this removed! i have also filed a complaint with the XXXX.
Consumer complaint received 2022-09-14
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: EQUIFAX, INC. (SC)

reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX My contact information is provided below and I have included proof ofI My identity. 

I contacted Equifax initially into the same probpem and they still are being fair and partial violating my rights. A proper reinvestigation was not done on my behalf and the items are neagtively affecting my credit health and i am unable to extend credit due to them not following federal laws. 
Instead of deleting the negative items that aren't mine, Equifax keeps sending me the same letters in the mail. I have several letters of the same thing.
Consumer complaint received 2021-02-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I Have complained and disputed twice now with Trans union about an Error with a lender ( XXXX XXXX ). They have not been in communication me nor has resolved the issue. This issue was resolved almost immediately with XXXX and is currently being disputed with XXXX. They have all relevant documents needed to rectify the matter and not sure what the hold up is.
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TN)

As I prepare to apply for a mortgage, I pay everything off and wake up to a fraud alert on my experian which has spread to all three bureaus. I spent in excess of 8 hours calling the bureaus to remove this alert. The alert started with experian. I called with a 2-2.5 hour wait on hold to even reach the first person, to be asked questions from an unknown period in my life to prove my own identity, only to be hung up on and have to call back wait 2.5 hours to speak to the first person to have this fraud alert removed, assured it was taken care of to allow 48 hours for the removal. 48 hours later, the fraud alert comes back. I can not spend 8 hours every 48 hours to fix an erroneous fraud alert placed on my credit. My current lease is about to expire and I cant not have this on my credit report to apply for a mortgage. It is very frustrating and I have no idea where else to turn to get this issue resolved once and for all. They do not give me the information of where this is happening or what I need to do to fix this completely.
Consumer complaint received 2019-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (PA)

I paid this bill through XXXX  XXXX XXXX on XX/XX/2019 in the correct amount of {$140.00}. I have the emails and proof payment was made. 

Debt collector states {$140.00} and is saying the wrong amount. I have never been contacted by this MRS Company. I recently started a new XXXX account due to a move in XXXX and she reviewed my previous account and EVERYTHING was paid and to date. She opened the new account with no deposits or fees necessary. Thus, I would not have been allowed to open a new account if I still owed money. 

I have everything needed to prove this was paid in full and that this collection person never even attempted to contact me and I DO NOT OWE IT