davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

In XX/XX/2007, I attended the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, FL. It was funded by Sallie Mae, and I was not provided with complete copies of Sallie Maes contract. I only attended one semester, and that school has been salvaged into XXXX XXXX college. It was hit with affect of the housing collapse. Since the transfer to Navient, I now have both old Sallie Mae information and Navient information reporting on my credit file. I made a simple request :  please provide me with a copy of the original instrument of indebtedness in its original form, and after 2 months of waiting, I receive a questionable looking promissory note that has NO SIGNATURES, just a typed Robo-sign. Its not notarized and it also looks to have had white out used on it then re-copied and mailed. They also show no chain of custody paperwork between them and Sallie Mae. There is nothing to verify these figures they are reporting against me.
Consumer complaint received 2024-03-08
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: EQUIFAX, INC. (IN)

Notice To Sue XX/XX/XXXX Subjet : Final Request To Remove Or Delete disputed accounts and Resolution Dear Equifax Credit Bureau, I am writing regarding the continued over the accounts detailed below, for which I have received yet another generic response, the same response as usual from Equifax Credit Bureau. 
XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter marks another attempt in a series of communications aimed at resolving this issue. The lack of a thorough investigation in this matter by Equifax Credit Bureau is not only frustrating, but also suggests a disregard for the CFPB laws designed to safeguard individuals like myself. Given the history of these disputes and the documentation of all related correspondence, I am seriously considering the involvement of my consumer rights attorney to assess potential violation of my rights. This is a final appeal for Equifax Credit Bureau to correct or remove the inaccurate information on my credit report. Failure to address this issue satisfactory, will compel me to pursue all available avenues, including filing complaints with the Justice Department, Office of the Comptroller of currency, XXXX XXXX, XXXX XXXX XXXX XXXX, Division of Credit Practices, XXXX XXXX XXXX XXXX as well as my State Senator, Congress, the XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX The resolution of this matter now rest with Equifax Credit Bureau to take appropriate and immediate action. I have sent all the proper documentation into Equifax Credit Bureau as they requested to get these disputed accounts removed from my credit report and they still did not correct my credit report. I hope to receive a response within 15 days of Equifax Credit Bureau receive this letter. My attorney is watching closely for a resolution in this matter. 
Sincerely. 
XXXX XXXX
Consumer complaint received 2021-06-14
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)

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 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please remove the following fraudulent inquiries off my credit report XXXX XXXX XXXX   XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX   XXXX XXXX XX/XX/2018
Consumer complaint received 2020-02-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (MD)

On XXXX XXXX, 2020, I was at home recovering from a bad cold. I received a call from TD Bank at approximately XXXX along with a text with the message : Did you make a purchase at XXXX for {$180.00}? I immediately said NO and then a phone call immediately followed from TD Bank. After identifying myself as the account holder, your fraud specialist concluded that someone was using our account maliciously. They ran off several charges that were being made within a 1.5-hour time slot. TD Bank cancelled the card immediately and determined that neither myself nor my husband was using the card. BTW while your banking person was notifying me of this fraud, my husband was in the car driving from XXXX. At that moment, it was determined that FRAUD had been done. 

On XX/XX/XXXX, I received a letter from your Disputes and Claims department stating that after your investigation, you determine that NO FRAUD DID NOT OCCUR. Seriously! We all knew that fraud was occurring, has occurred and yet you sent this ridiculous letter saying there was none. 

I took the liberty of forwarding this letter to XXXX XXXX XXXX XXXX, a television program that exposes and helps victims like myself with issues of this nature. They will televise and interview me as well as your bank to get to the bottom of this. I will also forward this to the Consumer Financial Protection Bureau to alert them of this practice. My husband and I work very hard to make ends meet. We sometimes must work more than the normal 8 hours because of how the economy has gotten more expensive to live. The last thing we needed to see is that {$310.00} was removed by some criminal using a card that was lost and now it seems like we are getting the same type of disregard from TD Bank. Shame on you! Ill await your response. 

Regards, XXXX XXXX Account Number : XXXX XXXX Mobile
Consumer complaint received 2022-07-06
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I opened a Bank Account with HSBC on XX/XX/2019 with {$10000.00} ending in XXXX. 

The had a promotion that keep {$10000.00} in account for 90 days and receive {$350.00} Bonus. now it has been 126 days since I opened the account and still haven't got {$350.00} bonus in the Account.
Consumer complaint received 2022-07-01
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. (GA)

I have a 30-day late payment status on my mortgage account listed on my credit report, called XXXX XXXX XXXX XXXX XXXX which date was opened on XX/XX/2018. I have disputed this account with Experian and they have not removed/updated this account to reflect a " never late ' payment status from my credit report and Experian and XXXX XXXX XXXX XXXX is violating the fair credit reporting act by reporting inaccurate information on my credit report. Please remove this 30-Day Late Payment from my mortgage account immediately and if it is not removed, then I will be filing a lawsuit against Experian and XXXX XXXX XXXX XXXX for not removing this inaccurate late payment status from my credit report. I have attached a copy of a letter which I received from the creditor, which I already reported to the credit bureaus already. In the letter they stated that this 30-Day Late Payment Indicator is an error on their end and for the credit bureau to update the record to show pays as agreed and a never late status. Therefore, I have attached it to this complaint.
Consumer complaint received 2022-07-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MS)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-06-14
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HW Holding, Inc (MD)

I have been charged an amount when I previously paid the amount in full. I also notified the company which submitted documentation as a law firm and not a debt collector. This inaccurate information was still placed on my credit file of all three credit bureau which has significantly affected my credit score. The rental contract was scheduled to end on XX/XX/2020. I departed and submitted all keys on XX/XX/2020. Also per the documentation I have provided all fees had been paid as of XX/XX/2020. Please view that the amounts owed were addressing the dates from XX/XX/2020 until XX/XX/2020.
Consumer complaint received 2015-05-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (NY)

I consigned multiple loans with XXXX XXXX for my daughter starting in 2009. She has finally been XXXX and she works part time for minimum wage and is unable to find a full time job so I 'm paying. Navient is horrible to deal with. I get multiple bills every month and I do n't know at this point how much is owed for what loan. When it was will XXXX XXXX it was simpler my XXXX loan of XXXX was almost paid up but now Navient takes your money and applies it as they will even though debt companies say you should pay off asap. They have taken that choice from me. Furthermore I was paying some of the loans before they were due while my daughter was in school and all of that acceleration seems to be wiped out. I have asked them to mail me an accounting of all the loans over and over again but they route me to a website which is difficult for me. I feel as if I am being exploited for them to make as much money from me as possible instead of allowing me to pay off the smaller earlier loans earlier.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Loqbox US Inc (IL)

I am writing to file a complaint against Loqbox Finance LLC that has violated my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. The company in question has failed to provide me with the right to opt out of reporting information on my consumer report, which is a direct violation of 15 USC 6802. 
Furthermore, the company is using my information for their own benefit and has inaccurately reported information on my consumer report with XXXX and XXXX XXXX. The last verified section is inaccurate, the date opened is inaccurate, and the date of last activity is also inaccurate. This is a clear violation of 1681n, which states that any person who willfully fails to comply with any requirement of the FCRA with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure. 
In addition, I have sent multiple correspondences to the company regarding their violation of 1681a ( d ) ( 2 ) ( A ) ( i ), stating that my consumer report excluded information solely as to transactions or experiences. However, the company has failed to respond to any of my inquiries, which has caused significant harm to my financial standing and creditworthiness. 
I am requesting that the Consumer Financial protection Bureau investigate this matter and take appropriate legal action against the company for their violations of my rights under the FCRA and the Privacy Act of 1974. I also request that the inaccurate information on my consumer report be corrected immediately.
Consumer complaint received 2022-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

Convergent Outsourcing has sent me a debt collection letter on a debt that has been proven unverifiable recently and deleted from my consumer report in the past. this debt is from t mobile who used a different collection company in the past to try and collect but was deleted from my report and now sent this unknown debt to convergent outsourcing. company has not provided me with any details in regard to this account and is in violation and I will take further action if they do not cease there debt collecting acts
Consumer complaint received 2024-03-08
Product: Credit reporting 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. (NJ)

I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. 

However the credit bureaus said the completed the investigation and everything was 100 % accurate.

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation? This is considered fraud and against the law.
Consumer complaint received 2022-07-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-02-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Everest Receivable Services Inc. (MD)

This company Everest Receivable Services calls my phone number every single day, from multiple numbers beginning with XXXX area code. This has been going on for about a month now. A few times a day they call. They just called this morning XXXX/XXXX/20. Only once have they left a message looking for a lady named XXXX. I called them and explained they had the wrong number my name is XXXX and to please not contact me again. This was a week ago. They still persistently call at least 5 times a day.
Consumer complaint received 2022-02-16
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. (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX XXXX XXXXXXXX XXXX is reporting on my personal credit file with Equifax, XXXX, XXXX ( Credit Reporting Agencies ). Reporting agency ( CRA ) is reporting inaccurate information on the listed account below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this account from my personal file ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-06-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Unitas Lending, LLC (FL)

I, XXXX XXXX, contacted Mr. XXXX XXXX at Unitas Lending LLC to refinance my mortgage in an attempt to remove my ex-husband from the mortgage of my house. I expected to obtain a refinance of the mortgage loan for myself and my boyfriend XXXX XXXX at this address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL. XXXX. I gave Unitas all necessary information to obtain the mortgage in my name, using XXXX XXXX as a co-borrower. XXXX XXXX from Unitas Lending contacted me on a Sunday night to rush me to watch a video that explained a loan estimate that they required me to sign to go forward with the refinance process. I have the video saved if you need the link, which clearly indicates the online signing of my name and XXXX XXXX 's name is for just a high loan estimate only, not the actual refinance of the mortgage. After the video, XXXX XXXX and I were rushed by XXXX XXXX to sign the so call estimate. The next day, XXXX XXXX received a large packet of documents in his name with a loan number # XXXX from XXXX XXXX XXXXXXXX XXXX. Nowhere in the documents was I listed as a borrower! The documentation shows the complete mortgage with dates due and a payment schedule among many other details. There was no closing, no finalization of the refinance, and no final discussion of approval of any loan. I attempted to contact Unitas Lending but they had failed to respond as of yet. They told me they would call me but after a week, they had not called. They had not explained to me what is going on. This is fraud as I did not authorize any of these actions to finalize this loan, which is an equity loan. I would never sold my place of residence to XXXX XXXX and not be on the Loan myself. I would never had signed any documents had I known this was going to happen. i am a senior and i am XXXX and i was manipulated and taken advantage of because of my XXXX. Please can you help me stop this company from taking advantage of XXXX people. thank you for your time and Help.
Consumer complaint received 2019-08-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SN SERVICING CORPORATION (FL)

On XX/XX/2019 XXXX XXXX transfer my loan to SN SERVING CORPORATION to collects payment but SN SERVING CORPORATION never filed the transfer of ownership in the mortgage records. On XX/XX/19 via Certified Mail a request for RESPA QUALIFIED WRITTEN REQUEST; COMPLAINT; DISPUTE OF DEBT; VALIDATION OF DEBT; AND TILA REQUEST.I received a letter from the Attorney At Law XXXX XXXX. XXXX  on XX/XX/19 said he was enables the servicer to identify the borrower and list information sought by the borrower.(see attach). I need the truth from SN SERVING CORPORATION ABOUT THE DEBT.I need the FBI and other Federal organization Investigate this type of fraudulent.
Consumer complaint received 2022-07-06
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: Velocity Portfolio Group (IL)

In accordance with the fair credit reporting act, CKS Prime Investment has violated my rights. 15 U.S.C 1681, Sec. 602A states I have a right to privacy. 15 U.S.C 1681 Sec. 604A Sec. 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-21
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: JPMORGAN CHASE & CO. (NV)

On XXXX, XXXX, 2022 I received 2 notifications about hard inquiries into my credit file. One was from JPMCB, and the other was from XXXX. Ive placed all credit bureaus accounts on freeze and also placed an alert.