davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-08
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: Experian Information Solutions Inc. (AL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-05-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (KS)

Last XXXX I made a payment and the interest went up {$6000.00} from the time Navient took it from XXXX  (? ), and I only have one loan and they have me down as two. They said the interest was only a little over a dollar a day. Previously they didn't even have the right ssn or birthdate and now they do. I thought through the pandemic that interest had stopped.
Consumer complaint received 2022-04-08
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. (AL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-05-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (MD)

Ive had 2 Netspend cards. 1 for several years and the other opened in XXXX. My tax refund for XXXX was deposited in said account. So again my XXXX refund was deposited in the same account. Fraudulent charges were made on the account and card is no longer in my possession. So I file a claim. While waiting for the claim to be investigated I had called in to check the status. I was then told I was not myself, XXXX XXXX. I then lost online access to my account. I was asked to provide identification, which I immediately sent in. The following day I received an email stating my account was closed. After that date of being told my account was closed, my stimulus payment was deposited. I later received a letter stating the claim is now closed. Errors were found and any provisional credits given to me were now permanent. I then contact the IRS because I was unaware it had been sent to Netspend. They advise me that it was and that its very odd they havent received it back of the account were closed that banks are to send any deposits made to a closed account back within 7-10 days. I contact Netspend regarding the money that the claims were made about and why I havent received a check. They have told me over 3 dozen times that it is being investigated by their fraud team. But the claims already been decided in my favor? They also are investigating my stimulus deposit. But my account was closed so it should have been sent back? 
So whats happening is Netspend is not able to differentiate the two IRS deposits and are leaving me without my money. They are also illegally holding deposits made to a closed account. Ive contacted them by email and phone around 70 times and no one is ever able to assist me. They will not release my money to me. Ive contacted corporate and they have not helped either. Netspend has been sued by the FTC for the same exact tactics. 
I just want my money from my tax refund returned to me and my stimulus payment returned to the IRS so they can mail me a check. Its disgusting that a company would hold citizens money at a tile when so many have been displaced from their jobs.
Consumer complaint received 2022-01-23
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. (GA)

To Whom It May Concern : I have recently been informed that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings I challenge the accuracy, compliance and reportability of these listings. 
XXXX XXXX XXXX ( Paid in Full ) {$1500.00} XXXX XXXX XXXX ( Paid in Full ) {$670.00} There are no contracts, no valid claim ... accounts were settled with original creditors, never late or went into collections Grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may followthis is unlawfuldebts can not be collected twice Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2022-01-23
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. (LA)

This account has been closed and charged off since XXXX. They illegally re-aged my account and have been inaccurately reporting this account. They have also refused to delete as a result of the inaccuracies. Instead, they are updating an account when it should be deleted. The open dates are wrong. They reported " payments or OK '' status in XX/XX/XXXX and XX/XX/XXXX when no payments or contact was made. The last reported dates are inconsistent and inaccurate. The high credit balance is inconsistent and inaccurate. As a result, this has re-aged the account to benefit the credit grantor for the charge-off statute of limitations. These are major violations of the FCRA and I respectfully request that this account is deleted immediately.
Consumer complaint received 2022-02-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (NJ)

I have been paying monthly on my Sallie Mae acount for awhile and they continue to call my cosigner, a XXXX XXXX XXXX woman, my grandmoher XXXX times daily starting at XXXX XXXX. I pay XXXX per month on the account. My grandmother is now having XXXX XXXX, possible XXXX or a XXXX XXXX. I have asked that they stop calling her and I have written to Sallie Mae and requested that they stop calling her.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-23
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. (LA)

This account has been closed and charged off since XXXX. They illegally re-aged my account and have been inaccurately reporting this account. They have also refused to delete as a result of the inaccuracies. Instead, they are updating an account when it should be deleted. The open dates are wrong. They reported " payments or OK '' status in XX/XX/XXXX and XX/XX/XXXX when no payments or contact was made. The last reported dates are inconsistent and inaccurate. The high credit balance is inconsistent and inaccurate. As a result, this has re-aged the account to benefit the credit grantor for the charge-off statute of limitations. These are major violations of the FCRA and I respectfully request that this account is deleted immediately.
Consumer complaint received 2022-01-23
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: Experian Information Solutions Inc. (GA)

To Whom It May Concern : I have recently been informed that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings I challenge the accuracy, compliance and reportability of these listings. 
XXXX XXXX XXXX ( Paid in Full ) {$1500.00} XXXX XXXX XXXX ( Paid in Full ) {$670.00} There are no contracts, no valid claim ... accounts were settled with original creditors, never late or went into collections Grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may followthis is unlawfuldebts can not be collected twice Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc. (CA)

Hi. 

We have confirmed our mortgage is owned by XXXX XXXX and was eligible for Covid-19 forbearance program starting XX/XX/2020 via the CARES Act. Per the CARES Act, all eligible mortgages were granted a maximum 18 month forbearance. 

On XX/XX/2020 we contacted our previous mortgage servicer ( Dovenmuehle Mortgage, Inc. ) about covid-19 forbearance. They gave us the run around from the start ( threating us with foreclosure ), but eventually transferred our mortgage service to XXXXXXXX XXXX in XX/XX/2020. 

Meanwhile, since we had a legally standing maximum forbearance of 18 months per the CARES Act, all servicers were prohibited from reporting any negative adverse actions to any credit agencies during this period. 

Recently we went to obtain our credit reports and Dovenmuehle reported our payment status as 120 days delinquent on XX/XX/2020 ; which greatly affected our FICO scores. 

How do we remedy this since they are no longer the servicer of our mortgage? 
Thanks.
Consumer complaint received 2022-01-24
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (PA)

In XX/XX/XXXX, I spoke with XXXX XXXX loan officer about refinancing my existing mortgage the property is located at XXXX XXXX XXXX XXXX with Loandepot. I gave XXXX XXXX my information to access my credit history. She informed me that Loandepot would be able to pay off my existing mortgage, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, My car from XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXXXXXX account. I was eager to begin the application process, and I gave XXXX XXXX permission to proceed with the refinancing application. I also communicated with XXXX XXXX. She asked me if I have homeowner 's association fees for the property located at XXXX XXXX XXXX which is the bearer of the home equity line of credit. I told her I did not have HOA fees for that property. She also asked for tax receipt for XXXX XXXX XXXX which I submitted to her. XX/XX/XXXX, I spoke with XXXX XXXX by telephone. She was going over the final paperwork before closing, and XXXX XXXX specifically said that XXXX XXXX XXXX, XXXX, XXXX, and other creditors will be paid. We never discuss cash-out until XXXX XXXX mentioned {$43000.00} on that day. Closing was signed on XX/XX/XXXX. I received an email a few days later. It stated that I should continue paying my bills until payment was funded to the creditors. I kepted checking my online banking accounts to see if my creditors were paid. On XX/XX/XXXX, I contact XXXX XXXX to inform her that my creditors were not paid. XXXX XXXX emailed me XXXX XXXX email address. I let XXXX XXXX know that my creditors weren't funded. She replied, " your mortgage is paid, and you receive cash out ''. I told her that the agreement was to pay off the creditors. I was misled through the entire refinancing process, and the ramification of their deception will set me back financially.
Consumer complaint received 2021-05-13
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. (NC)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2022-07-07
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: Experian Information Solutions Inc. (GA)

The following companies made inquiries into my consumer credit profile without my consent and without my authorization. I have disputed these fraudulent inquiries with the consumer credit reporting agencies, experian & XXXX but those agencies have not proven the validity of these inquires. I have also contacted the fraud departments of both agencies with zero progress made to remove these inquires. 


Experian XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX EXPERIAN XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX, XXXX & Experian XXXX XX/XX/2021 XXXX XXXX
Consumer complaint received 2019-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SIMMONS FIRST NATIONAL CORPORATION ()

To Whom It May Concern, My mother, the illustrious XXXX formerly known as XXXX passed away on XX/XX/2019 largely due to Simmons banking policies which made it impossible for her to access her bank account from overseas despite their misleading Bank Anywhere promotions to afford more potentially life-saving treatment, like XXXX XXXX XXXX for her XXXX. Even the kind intervention of her personal banker, Ms. XXXX XXXX could not help her to access her own money in her own account due to your lack of international policies governing access to accounts and/or confirmation of identity. 

Today many of my mother 's documents were ceased from her assistant in XXXX who was attempting to have her funds wired to me because they feared that Simmons Bank in Arkansas would not release her funds to anyone, either after their experience with Simmons Bank in trying to get access to her own funds for much needed medical treatment before it was too late. I learned that they tried to have the funds wired to my bank account, after we met them and had her documents returned to us here in XXXX.I might add that my mothers assistants have been of invaluable aid to my mother in her last days, despite their recent mistakes and mistake filling out her SS form some months ago. 

My mother 's bank account number is : XXXX Her SS end is : XXXX Mine ends in XXXX I WOULD LIKE TO RECEIVE INFORMATION ON THE PROCESS OF HAVING THE FUNDS IN THE ACCOUNT released to her next of kin/executor which I am. I have asked Simmons Bank to provide this information to me. 

I have provided a photograph of the death certificate for my mother to Simmons Bank.This document is issued only once to the next of kin in XXXX, so I can not send the original as it is irreplaceable. It is a picture that was taken with my phone. My mother was a XXXX citizen and I am here in XXXX after having buried her here as was her request. I am an American citizen living abroad, however I do have a US address and bank account. Again, I would appreciate it, if you would assist me in having Simmons Bank let me know the procedure that I must follow to take possession of my mothers funds as next of kin. After my mothers tragic experience with Simmons Bank, I expect them to be very uncooperative.
Consumer complaint received 2021-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against ENHANCED RECOVERY. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have been going back and forth with consistently trying to get things off my credit report. They first had my Information mixed up with someone named XXXX XXXX. Which I still feel its mixed. Because they are reporting information other places but when im sending disputes to them they are telling me the information is not currently reporting on Equifax credit file but its showing up everywhere else. I need this resolved as soon as possible this is really effecting my life and making it hard for me to get a house in the already hard complicated housing market.