davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-10
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc. (TX)

I have sent a certified green receipt letter requesting for Nelnet to validate all 18 of my loans that they have with their servicing company. The received the letter on XX/XX/XXXX, I also included in my letter the laws that the company has to abide by with verify my loans for all 18 loans. They sent me a generic form letter which I have a copy of saying everything is accurate and verified, sent to by mail XX/XX/XXXX. How can servicers company verify 18 different loans, that are dated back as far as XXXX? I have also disputed with the credit report agencies asking them to validate the debt and getting no answers. They have received my second and final letter advising that their 30 days will expire on XX/XX/XXXX and I am requesting that they delete all 18 accounts of all XXXX reporting agencies. This company is not following the new laws that you CFPB put in place when validation of a debt is requested. I am going off Consumer Financial Protection Bureau regulation F subpart B 1006.34 Notice for validation of debts. ( a ) Validation information required. 

( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : I am going off your laws ( CFPB ) and requesting information from this company only to receive a letter saying verify and nothing unless that the law said they are required to send.
Consumer complaint received 2022-06-10
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this 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 XXXX 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 XXXXdays n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The Fact that all three credit bureaus do not collect all data real time and allow third parties to access and use their information right or wrong presentls a fraudulent reporting environment that they seem to have no desire to correct. Here is the facts as defined by XXXX and extracted from their site. What You Need to Know This credit score is a XXXX XXXX based on XXXX data. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness. '' It is almost identical to other disclaimers by the other two major credit reporting agencies. The fact that this has been reported numerous times and ignored by the CFPB. Is by opinion and example a potential collusion to defraud people through presentation of varied calculating practice and different reporting data. To boot the information is access and maintained by NON CITIZENS WITH OFF SHORE ACCESS
Consumer complaint received 2021-12-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgent Capital Services L.P. (AZ)

This company sued me at the address of my former wife in a State I no longer reside. They keep updating the lawsuit and they purchased a debt and continue to report it to the credit bureaus when it is older than 7 years. They purchased this debt only a few years ago
Consumer complaint received 2021-12-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

This company sued me at the address of my former wife in a State I no longer reside. They keep updating the lawsuit and they purchased a debt and continue to report it to the credit bureaus when it is older than 7 years. They purchased this debt only a few years ago.
Consumer complaint received 2021-04-09
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. (TX)

I would like to make a complaint against the Equifax. I really think this credit reporting company has a huge issue with my credit score being in the excellent category. I mean every time my score goes up, Equifax always manages to knock it down drastically. Can you please investigate Equifax as to why my score dropped 54 points? I mean they have the same data as XXXX does but they felt the need to drop my score by a great deal of points. No explanation was given. As an American consumer I have a right to know why Equifax has damaged my credit. I really need some answers. Please investigate them, I feel its about race.
Consumer complaint received 2021-12-04
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. (GA)

I written 2 certified letters to resolve the situation of inaccurate information reported. The tracking numbers for both are XXXX and XXXX. I requested the original contracts on the said debt and havent received anything. The amounts of the debts are {$510.00} and {$470.00}. 
Equifax XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Ga XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : Untitled Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The account that I am disputing is ( XXXX XXXX  ) I have disputed this account on several occasions, and I have been told that this account has been verified! I sent in a letter from the courts that this account was dismissed, and they are still reporting this account on my consumer report. This account is outside of the statute of limitations for me sued, and therefore I want this deleted from my report.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-24
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)

It has been nearly two months since I mailed letters to the credit bureaus but I have received no response from them. It is my understanding they have thirty days to respond so they have gone far past the deadline at this point. I sent the first letters XX/XX/20. I sent more letters on XX/XX/20, but at this point I don't believe I will receive a response so I am asking for assistance. I will attach the first letters with this complaint.
Consumer complaint received 2023-06-07
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. (NY)

I recently disputed these items listed and I don't believe a proper investigation was done. You have failed to properly investigate and remove these frivolous inquiries and have not provided validated proof of any findings that prove these inquiries was authorized by me. I request per FCRA requirements. These inquiries should be deleted immediately. I also attached a copy of the FTC report including these fraudulent inquiries.
Consumer complaint received 2020-06-03
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Specialized Loan Servicing Holdings LLC (CA)

On XX/XX/XXXX I sent a letter to SLS ( Specialized Loan Service ) to provide information so as to clear an apparently debt they say I owe. I have spoken to XXXX on several occasions and was informed that the information I requested was sent on XX/XX/XXXX and XX/XX/XXXX but as yet ( XX/XX/XXXX ) I have not received any information. According to YELP and even comments on SLS Website indicate that SLS is not responsive to customers request and I beginning to believe this is true. The following is the information I requested from SLS. 

Provide the amount which was assumed from XXXX in XX/XX/XXXX. 
What is my payoff balance as of XX/XX/XXXX? 
What is the daily interest rate on this loan? 
I would like to speak with someone whom I can discuss the amount that is claimed I owe and see if this amount can be reduced. As I have mentioned previously I contacted SLS in XX/XX/XXXX to discuss this loan, which I didn't know I had, and was told there was no record of me nor that I had a loan with SLS. I believe that I should not be libel for any further interest or late fees from that time forward. 

Thank you for your attention in this matter.
Consumer complaint received 2022-06-10
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)

The Credit Bereau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigations
Consumer complaint received 2022-06-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WV)

This goes with my earlier complaint XXXX. PHH Mortgage services has hit my XX/XX/XXXX and XXXX but i missed the calls because i was at the hospial with my father. I called them back on XX/XX/XXXX to see why they were trying to contact me only to get told there is nothing noted on my file and they have no knowledge of anyone trying to contact me. Hopefully you can help me find out the reason they were calling my phone.
Consumer complaint received 2022-06-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC (AZ)

I used XE.com in order to send money to my father in law down in XXXX. First, I sent a test transaction of {$1.00} to ensure it would transfer, and my father in law did receive that transfer. Then I sent the full amount I needed to transfer, which was {$1400.00}. The money was taken from my XXXX XXXX bank account on XXXX, and according to the XE.com website, it was delivered to my father in law on XXXX. But my father in law never received it. So, on XXXX I started working with XE.com to try and track it. So far, I have provided XE with my father in laws XXXX  number and his ID number. I even had to send copies of my father in laws bank statements in order to prove he hasnt received the money. I found that offensive and invasive, but I complied with XEs request. Now, its been well over a month, and I still dont have any resolution. I either want the transfer to go through or my money back. I have been asking them for updates, but XE has stopped replying to my emails for the past 4 days! At this point I dont know what to do, please help!
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The credit bureaus such as TransUnion, XXXX, and XXXX are reporting inaccurate information on my credit file. They are reporting a derogatory account XXXX from XXXX XXXX XXXX as past due for {$21000.00} and this is inaccurate. The account has been settled and PAID OFF IN FULL. I would like this account corrected and the derogatory status removed from all of the credit bureaus database. I have disputed with the credit bureaus both by phone and letter and they refused to delete the information.
Consumer complaint received 2018-04-10
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc. (GA)

A collection account was added to my credit report on XX/XX/2017 by a collection agency named XXXX XXXX XXXX at address XXXX XXXX XXXX XXXX, MA XXXX and telephone # ( XXXX ) XXXX. I am reporting this collection agency due to the fact that XXXX XXXX XXXX does not currently have a valid license in the state of GA to collect on debts. This information on the Georgia Secretary of state website states that their license is currently dissolved or expired. I am requesting that you investigate this matter or have XXXX XXXX XXXX to please provide me with proof that they are licensed to collect debt in GA. Thank you so much.
Consumer complaint received 2020-07-24
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. (LA)

TransUnion is still reporting money lion on my account I have tried to contact them sent letters and called disputed multiple times online
Consumer complaint received 2021-12-05
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. (NC)

I TRIED TO GET EXPERIAN TO REMOVE FIVE ITEMS IN MY CREDIT FILE WITH THEM WITH NO AVAIL, THEY LIED, SAID THAT WOULD INVESTIGATE, THAT WAS A LIE, I KNOW THAT THEY DID NOT INVESTIGATE, BECAUSE I HAVE TWO ACCOUNT WITH XXXX XXXX, ONE WAS JUST ISSUE TWO WEEKS AGO, THEY NEED TO REMOVE ALL ACCOUNTS THAT ARE ON THE BOTTOM REPORT # XXXX DATED XX/XX/20 THAT HAS BEEN UPLOADED TO CFPB.
Consumer complaint received 2021-12-05
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. (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
My request for the correction and removal of the erroneous information about my accounts has been diligently neglected by TransUnion. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received a check from my mother for a family emergency and deposited it in my Bank of America account. Bank of America made the funds available immediately. I then started to use the money to pay bills. My mother 's bank, XXXX XXXX decided to flag the check as fraud and stopped payment after saying the check was cleared. Bank of America then reversed all of the payments and charged me a total of eight {$35.00} NSF fees even after the money had been but into my account a few days later. I tried resolving the issue, but no one at bank of america seemed to care.
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I filed a complaint with XXXX XXXX AND EQUIFAX about hard inquiries on my CREDIT REPORT that are not mines PERIOD. The ( ONLY ) hard inquiry that is mines is the ( XXXX XXXX ) that's showing on my XXXX only. I also called the fraud departments on ALL the other hard inquiries on my 3 CRA 's and THEY sent over requests to have them DELETED yet they are still there. And XXXX AND EQUIFAX both have yet to provide me with ANY/ALL documents they have with my signature on it that gives them the right to have a Child support LOAN showing on my CREDIT report.
Consumer complaint received 2022-11-18
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MS)

On XX/XX/2022, we, XXXX XXXX XXXX XXXX were advised by XXXX XXXX that the repair check made out to XXXX XXXX ( our lessee ) and XXXX XXXX XXXX XXXX was cashed without the endorsement of XXXX XXXX XXXX XXXX and without our permission. The strange part it, XXXX XXXX XXXX XXXX had possession of the repair check. It was somehow mobile deposited through Wells Fargo on XX/XX/2022. So, the check was deposited before we got possession of the check. 
We submitted an affidavit of forgery to Wells Fargo bank, through XXXX XXXX. on XX/XX/2022. That same day, we got an email with a new affidavit of forgery for XXXX XXXX  and we were informed that was the insurance company 's bank. So, we did the new form, submitted everything that day. We have not heard back from the insurance company. We have attempted to reach them by email and by phone. And its the manager we are contacting. We have received no response.