davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-11
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. (GA)

There are many accounts open on my credit report, they use a different name because they provably didn't know my real name, They use XXXX, XXXX and other names my real name is XXXX XXXX and I was XXXX in the XXXX XXXX in XXXX, XXXX XXXX and XXXX XXXX I have my XXXX orders all the data is incorrect please assist. I am in town for the next 2 months.
Consumer complaint received 2021-07-15
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: Navient Solutions, LLC. (PA)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2023-08-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc. (CA)

I have a {$55.00} XXXX XXXX from XXXX ( this account was canceled early XXXX ). XXXX is switching over to XXXX, I've called XXXX several times however no one is able to locate my account or bill and I've been told that XXXX currently doesn't have a billing department. I've attempted to pay this online and by phone several times, with no success. Now XXXX has sent the outstanding bill to collections, which I believe is unfair, since they don't have the proper system to allow me to pay the bill. The bills were also sent to my old address and I did not receive them in a timely manner.
Consumer complaint received 2020-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (GA)

On XX/XX/20 I called direct express to change my address. Instead of changing the address they put a fraud alert on my card. Its the only income I have and now I cant access my money anymore. Since then Ive tried to call 10 times but no one will answer the phone. The longest I waited on hold was for two hours and still nothing.
Consumer complaint received 2020-02-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

On XX/XX/2019 I sent a dispute letter to dispute inaccuracies. It has been over 30 days and no reply from the credit bureaus. Credit bureaus are refusing to comply with the FCRA!
Consumer complaint received 2019-01-15
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: National Credit Systems,Inc. (TX)

I saw on my credit report I have a debt with an apartment complex called XXXX XXXX   for XXXX  and it was taken over by National Credit System.I was never notified of this before going on my credit report and nothing was sent to me.The original creditor has no proof of this debt and nothing had been sent to me with my signature.Or anything showing charges as well.This is effecting my credit and future for myself.Ive been back and forth with this company due to not showing proof or my signature or any information with my signature of ID.
Consumer complaint received 2023-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

To Whom it may concern, On XX/XX/2022 insurance agent XXXX XXXX provided an evidence of property insurance under XXXX XXXX XXXX XXXX. The insurance was wrongly made in the name of an individual. After finding the error the policy was effectively canceled on XX/XX/2022 with a flat rate fee of {$0.00}. Several month later XXXX XXXX XXXX company ( an XXXX  ) claimed unpaid amount of {$52.00} and requested payment. No amount was due as per the signed and executed document on XX/XX/2022. After a couple communication of the same information to both the creditor and the debt collector, this alleged amount of {$52.00} was sent to collection. The amount requested was sent to collection using inaccurate documents and without consideration to the agreed upon cancelation flat rate of {$0.00}. The company initiating the debt collection is CCS COLLECTIONS. After sharing this information by phone and by mail to CCS collections, they still are enforcing the debt and submitted to the credit bureau. 
In short, this policy was never properly put in the correct name and therefore was canceled. Also, during the same period another insurance policy was entered. No monetary consideration or deposit were paid to activate this insurance, and any services thereto alleged was unauthorized as it was promptly canceled within a short amount of time for a flat fee rate of {$0.00}. 
Thank you for your time and consideration.
Consumer complaint received 2020-02-05
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. (PA)

Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my Identity Theft Report, proof of my identity, and a copy of my credit report showing fraudulent accounts. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when reporting information to credit bureaus. When you receive a request like this with an Identity Theft Report, you must stop reporting fraudulent debts to credit bureaus. 
The Notice also states that if a credit bureau notifies you that information you provided may be the result of identity theft, you must stop reporting the inaccurate information and you can not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please send me a letter explaining your findings and actions.
Consumer complaint received 2024-06-02
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC (CA)

XXXX I took out a title loan on my XXXX XXXX. The representative of this company stated to me over and over I would pay x amount for x months. I asked him over and over to be sure. During the payments I noticed the pay off amount wasn't going down. I called and asked why they stated because of the high interest. Which made the conversation between me and the sales rep a lie. The interest should have been included in the x amount above to pay off the loan in the x amount of months. They repoed my car in XXXX during the covid pandemic when times were really hard. 
I " m not sure how many payments were made but according XXXX  it was about XXXX payments ( I could be off ) at XXXX, this is for a loan less than XXXX, about XXXX. I contacted the company about a set price they refuse to stop the interest, I told them I can not pay this loan for ever. 
They are now sueing me for XXXX and trying to garnish my pay check. This company new I wasn't rich because I constantly asked did I only have to pay the x amount over and over. 
This company wilshire consumer is still at it. I've read reviews that states they're still charging hi interest on loans. I am not a rich man I can not afford to pay XXXX XXXX dollars for a XXXX dollar loan.
Consumer complaint received 2024-05-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY (SC)

I was scammed by a friend on XXXX. Impersonating my friend. Sent money via XXXX. Realized instantly. Called bank. They could not decline charge. Refused to stop payment. Refused to help. Refused to send me my dispute document that I requested. Said I would not receive my money back. Spoke to a manager, he also could not help or provide anything I requested.
Consumer complaint received 2022-08-17
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)

You are hereby put on NOTICE. 

Your credit reporting agency is reporting incorrect / inaccurate information my status of the charge off XXXX account has been filed with my 1099C and its now considered income. 

The status has changed of this XXXX account. It was charged off and I filed the 1099C and it's now earned income and income isn't reported on my consumer report. 

REMOVE IMMEDIATELY. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal purposes. Your credit reporting agency is inaccurately reporting has damaged my livelihood and my financial reputation. 

As defined, by the IRS. Even if you didnt receive a Form 1099-C, you must report cancelled debt as GROSS income on your tax return. 

The IRS clearly defines a charge off as GROSS or Ordinary Income, INCOME DOES NOT GET REPORT ON MY CONSUMER REPORT! Which in fact, makes your reporting of this account inaccurate. By definition, the IRS clearly says a Cancelled or Charge Off is income. The reporting of this account as a debt is inaccurate. I DEMAND you to Cease and Desist the reporting of inaccurate / incorrect information immediately. 

I've included and attached my 1099C on my income taxes which is now considered income. Income does NOT get placed on my consumer report. 

Charge Offs The IRS says if the amount of over {$600.00} 1099C cancellation of debt. 
I filed taxes as realized as Earned income with my 1099C. 
Income doesnt get reported on my consumer report. 
So if I got my 1099C how is it being reported as a debt. 
So if I file it as income the status of the account has changed. 
It's not debt anymore it's income I filed my taxes. If it's income it's an inaccurate account. 

According to as it pertains to FCRA is inaccurate you must take it off my consumer report. 
15 U.S. Code 1681e ( b ) - Compliance procedures | Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Note : The status has changed what you reported is inaccurate. So how is your consumer reporting agencies maintaining maximum possible accuracy when in an incorrect item. 

DELETE this XXXX account immediately. 

I demand XXXX and Equifax to follow the law. XXXX recently removed it or I will have to enforce in monetary with state attorney. 


I've also included a factual dispute chart with discrepancies : High Credit : XXXX {$16000.00} vs. Equifax {$30000.00} Date Last Active : XXXX XX/XX/XXXX vs. Equifax XX/XX/XXXX Date of Last Payment : XXXX XX/XX/XXXX vs. Equifax XX/XX/XXXX
Consumer complaint received 2019-01-15
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. (MO)

I have sent disputed documents in XXXX, XXXX  and XX/XX/XXXX to all three credit burueas XXXX, XXXX  and Equifax disputing information that is incorrectly being reported on my credit report. The account in particular is XXXX XXXX   acct # XXXX, account opened on XX/XX/XXXX and was closed and charged off in XXXX for XXXX! This account is reporting incorrectly and each month after the account has been closed still reports monthly that the account is passed due! How is this so, when it is closed and charged off since XXXX! The account per my credit report was last updated XX/XX/XXXX yet up until now XX/XX/XXXX it was reported past due and late! This is in direct violation of fcra and I am demanding that this account is removed from my credit report and all points low because of it be restored to my account!
Consumer complaint received 2021-04-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Credit bureaus failed to positively verify collection accounts. Credit bureaus did not provide me a copy of verifiable proof for alleged accounts listed below Equifax ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX  XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I previously submitted an Affidavit to update my personal information : My name is : XXXX XXXX - DOB : XX/XX/1971 - SS # : XXXX All other name variations are not accurate : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX My current and only address is : XXXX XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX PL XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current telephone number is : XXXX - All other numbers are not accurate. Please REMOVE/DELETE these numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I AM CURRENTLY RECEIVING BWC : All other employers are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX XXXX, XXXX XXXX, XXXX XXXX FOLLOWING HARD INQUIRIES WERE NOT AUTHORIZED : XXXX, XXXX XXXX  XXXX via XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX via XXXX
Consumer complaint received 2021-07-15
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 8 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 2nd 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 2023-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Navient Corporation regarding their failure to update my account information and the inconsistent information provided by their representatives. 
To provide some context, my account with Navient has been in forbearance for a or XXXX and XXXX, during which I expected my account to be reported as " current '' or " paid as agreed '' on my credit report. However, my account being forbearance due to XXXX XXXX has failed to update my account accurately, resulting in a negative impact on my credit score. 

Furthermore, I did receive the notifications of any late payments or delinquency on my account. As a responsible borrower, I have always been diligent in managing my finances. It is concerning that Navient did not inform me about any issues with my account, as I have the right to be promptly notified of any changes or concerns regarding my loan. 

In an effort to rectify the situation, I have contacted Navient multiple times to request that they update my account information. However, during each call, I have received conflicting and inconsistent information from their representatives. This lack of clarity and inconsistency has further exacerbated my frustration and made it difficult for me to understand the status of my account. 

I appreciate your attention to this matter and I kindly request your assistance in resolving this issue. 

Thank you for your time and consideration. I look forward to a satisfactory resolution to this complaint. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2019-03-31
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. (MI)

I wrote a letter in XX/XX/2019 to the three credit bureau equifax, XXXX and XXXX. of the items i were disputing.none of the items were verified.they did not follow protocol.
Consumer complaint received 2024-03-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (MT)

I purchased a home using Va guaranteed loan in XXXX, in XXXX my business was struggling, I filed bankruptcy, I kept the home, I didnt reaffirm the loan, only due to not being aware of it being an option, I tried modifying the loan a few times between XXXX with a lot of troubles. After the discharge Wells Fargo would only talk to my attorney, take my payment and that was it. My attorney was done with the transaction, in XXXX I put the house on the market, I had several offers that would bring in right at pay off. Wells Fargo, still not talking to me, I had to bring my attorney in again, stalled and refused some deals eventually taking a below loan payoff and too my whole Va entitlement. I dont believe that they were fair at all in the process and I have struggled ever since, I saw that they had the settlement going on, and tho mine wasnt foreclosure they didnt I felt it would of if they didnt get the Va entitlement. I tried working with them and. They wont work with me.
Consumer complaint received 2022-07-15
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. (FL)

This was not sent in error i am a consumer by law and my information is missused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my report.
Consumer complaint received 2023-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CT)

I disputed this information and asked for debt validation and verification and do not receive it from credit collection services. Not my account I do no owe this debt. This information is listed falsely and inaccurately across the credit agencies. This is inaccurate incomplete inconsistently wrongfully not truthful not while not complete please remove from My report
Consumer complaint received 2019-03-31
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. (MI)

I wrote a letter in XX/XX/2019 to the three credit bureau XXXX, transunion and XXXX. of the items i were disputing.none of the items were verified.they did not follow protocol.
Consumer complaint received 2024-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (TX)

My home closed on XX/XX/year>. I had ~ {$4000.00} of an escrow surplus to be returned. They sent XXXX checks for the amounts. They were not received. I informed them multiple times. They then said it could be wired. I had instructions sent from my bank. I followed up and they said to check back. I now can not check back as they are impossible to get someone on the phone and their chat has been down. They had 30 days after close. It has been much longer. The money needs to be wired back to my account as it is rightfully mine and they are in illegal custody of it.
Consumer complaint received 2020-07-30
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. (OH)

I informed XXXX that the XXXX XXXX credit card account found on my credit report was fraud and they still didnt take it off they keep running me in circles I have sent them letters from bank and collection agency saying its fraud. I want it removed off of my credit report immediately