davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-20
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. (MN)

Equifax XXXX XXXX XXXX XXXX, GA XXXX Date XX/XX/18 RE : Account : XXXX XXXX XXXX  # XXXX  To Whom It May Concerns : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt.

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency.

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.

I look forward to an uneventful resolution of this matter.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Consumer complaint received 2018-04-20
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Reliant Capital Solutions, LLC (AZ)

XXXX XXXX has called me multiple times and hung up with out giving me any info. This mornings call at XXXX was XXXX calling me and hanging up after I verified that he was speaking to the correct party. It took me speaking with a manager to figure out what the debt was. The last time he called me a few days ago the same XXXX called and hung up on me after telling me I was " refusing to pay '' but I had NO IDEA what I was " refusing to pay ''. They also never read to me my Mini-Miranda before hanging up on me.
Consumer complaint received 2018-04-20
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. (GA)

XXXX XXXX XXXX XXXX is committing fraudulent acts in regards to reporting inaccurate information. I had a 3rd party company to dispute on my behalf, the validity of XXXX XXXX XXXX XXXX   claim over the student loan accounts on the week of XX/XX/XXXX. XXXX XXXX XXXX XXXX  responded by sending me a letter dated XX/XX/XXXX
The question is WHY is XXXX XXXX XXXX XXXX asking for more information from me to investigate, when they are supposed to allegedly have my information to report to the credit Bureaus on a monthly basis? The Credit Bureaus, myself, and XXXX XXXX XXXX XXXX  are aware that the accounts have been closed, transferred, and no longer in their possession since XX/XX/XXXX. How are XXXX, TransUnion, and XXXX accurately verifying this information presently when all parties mentioned knew the accounts have not been in their possession for almost 3yrs? XXXX XXXX XXXX XXXX has continuously reported the accounts closed and transferred since XX/XX/XXXX and was previously known as XXXX XXXX XXXX on my credit reports. But even that, the credit Bureaus are allowing this inaccurate information to stay on my credit report, continuously harming my economic wellness, in which is impacting my life.

Enclosed is a sample capture of 1 of many accounts, in regards to what is being reported on my TransUnion and XXXX credit reports. XXXX  is not releasing my credit report just yet. But I was able to confirm the accounts are on XXXX just as well.
Consumer complaint received 2018-04-20
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. (GA)

XXXX XXXX XXXX XXXX is committing fraudulent acts in regards to reporting inaccurate information. I had a 3rd party company to dispute on my behalf, the validity of XXXX XXXX XXXX XXXX   claim over the student loan accounts on the week of XX/XX/XXXX XXXX XXXX XXXX XXXX responded by sending me a letter dated XX/XX/XXXX.

The question is WHY is XXXX XXXX XXXX XXXX  asking for more information from me to investigate, when they are supposed to allegedly have my information to report to the credit Bureaus on a monthly basis? The Credit Bureaus, myself, and XXXX XXXX XXXX XXXX are aware that the accounts have been closed, transferred, and no longer in their possession since XX/XX/XXXX. How are XXXX, XXXX, and Equifax accurately verifying this information presently when all parties mentioned knew the accounts have not been in their possession for almost 3yrs? XXXX XXXX XXXX XXXX  has continuously reported the accounts closed and transferred since XX/XX/XXXX and was previously known as XXXX XXXX XXXX on my credit reports. But even that, the credit Bureaus are allowing this inaccurate information to stay on my credit report, continuously harming my economic wellness, in which is impacting my life.

Enclosed is a sample capture of 1 of many accounts, in regards to what is being reported on my XXXX and XXXX credit reports. Equifax is not releasing my credit report just yet. But I was able to confirm the accounts are on Equifax just as well.
Consumer complaint received 2022-11-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc (TX)

I had a conflict active with Affirm in Affirm 's conflict resolution center that was initiated XX/XX/XXXX of 2022. 

On XX/XX/XXXX and XXXX I provided evidence I was able to gather that Affirm asked for to settle the dispute with The XXXX XXXX for {$390.00}. 


I did not receive a response to the evidence I provided to Affirm. On XX/XX/XXXX I messaged Affirm through the Resolution Center for an update. 

I received no further communication about the dispute from Affirm until I called them XX/XX/XXXX [ 2022 ]. 

Affirm assured me my case would be visited and closed. Affirm then messaged me in the conflict resolution center asking me for evidence that I had already provided them. 

On the XXXX of XXXX, Affirm communicated to me via the resolution center that they sided with The XXXX XXXX. 

The XXXX XXXX, I believe is a fraudulent company that advertises false claims about their product. The XXXX XXXX also does not have an active contact channel for consumers to settle disputes. The XXXX XXXX also has a suspicious set of purchasing guidelines. 

According to Affirm, " Affirm will resolve all disputes in favor of the party that best substantiates their claim ( XXXX ). If Affirm resolves a dispute in favor of the merchant, the merchant will not be liable for any amount of principal or interest related to the disputed transaction. '' However, Affirm never disclosed to me whether they were able to contact The XXXX XXXX. I assume that they were not, given that The XXXX XXXX is not contactable. Yet, Affirm decided to side with the company after not once acknowledging the evidence I provided. 

On XX/XX/XXXX I called Affirm to understand the decision. I was transferred to a supervisor who hung up on me mid-sentence. When I called back, I was led to a dial tone. 

To resolve this. I would like Affirm to cancel the loan, refund me the amount I have paid, and fix their flawed resolution system.
Consumer complaint received 2022-07-21
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)

This uncertain accounts listed below continue to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the Equifax Credit Bureau XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee this account. Please follow the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2018-04-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (CA)

My pay ment is {$400.00} A month and only {$90.00} actually goes toward the principal. 
It has been this way for over 4 years and the balance will not go down. Ive tried to contact the bank to ask them to assist me but the bank won't communicate with me.
Consumer complaint received 2022-07-21
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. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. The Experian credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX XXXX XXXX : {$110.00} XXXX XXXXXXXX XXXX XXXX : {$910.00} XXXX XXXXXXXX XXXX XXXX : {$170.00} XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXXXXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$230.00}
Consumer complaint received 2018-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

Dear CFPB, I have asked Nationstar Mortgage, now Mr.Cooper, to send me XXXX XXXX payment history from XX/XX/XXXX-XX/XX/XXXX but they had not yet done so. They have only supplied that info for time after which they took over XXXX XXXX in XX/XX/XXXX so I am still contesting the additional # XXXX they tacked on to our loan for, they say, non-payments from XX/XX/XXXX-XX/XX/XXXX. My faxed documents show that the mortgage was paid during that time. I have also written the IRS for those documents since, to date, I have not received them from Nationstar ( Mr. Cooper ).
Consumer complaint received 2022-10-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (TN)

On XX/XX/2022 I XXXX XXXX XXXX XXXX file for a Modification with SN Servicing Corporation, I was denial because SN stated that the lend holder XXXX XXXX XXXX XXXX XXXX, as XXXX XXXXXXXX XXXX  XXXX. Doesn't do modification. I have has modification before from the previous mortgage company like XXXX XXXX who transfer my mortgage to XXXX XXXX which is still the same servicing as SN Servicing under the holder. I will be providing document of the application and denial.
Consumer complaint received 2022-07-21
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: Experian Information Solutions Inc. (NY)

I submitted a complaint last XX/XX/2022 to remove XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX BANK ) XXXX Balance : {$670.00}, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX and XXXX and I am including these accounts again.
Consumer complaint received 2018-04-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MA)

SLS - XXXX XXXX XXXX denied recent loan modification on XX/XX/XXXX after referral from Attorney Generals office affiliated community agency. The home modification affiliated agency attempted to assist me. SLS had promised me last year and in XXXX that they would give me a modification with a lower interest rate of 2 % and balloon payment at the end, when I was struggling with work related injuries, discrimination since XXXX at work resulting in a civil case filed last month. SLS stated I owed {$190000.00} dollars and total principle is {$570000.00}. I had chapter XXXX filed. In XXXX. 
I contacted Hope program on XX/XX/XXXX after getting the loan modification denial from SLS. Hope program told me that my loan was neither generated from XXXX XXXX or XXXX XXXX and referred me to a Hud affiliated agency on XX/XX/XXXX. The Hud Agent took my income information and found a surplus of over $ XXXX monthly and was surprised I had been denied a modification by SLS. 
The Hud affiliated Agent got my permission and made a 3 way phone cal, to the SLS Representative in attempt to assist. The SLS was arrogant and would not budge and kept saying that I had an interest rate of 2 %, to which I replied no, my interest rate is currently listed as 4.75 % on all bank mortgage statements from SLS. The SLS agent then resorted to mentioning a supposedly prior modification done in XXXX which had fluctuating integrate from2 % during first year to 3 % ; to 4 % and then kept climbing. 
I told the Gentthat SLS had not been honest and led me to believe that I qualified for a loan modification after completing my Chapter XXXX plan / discharged in XXXX in a very satisfactory manner. They ( SLS ) waited and dropped the terrible news of a loan modification denial and they are sneaky about what they are actually planning to do so that time lapses. I have lived in the home for XXXX years and worked hard prior to my work related injuries and now I have a good income to cover all expenses with more than a {$1800.00} monthly surplus. I have 2 cases related to my work injuries in state court and 1 in federal court. Please help me and my family. Thank you. 
Conclusion : SLS can show their commitment to serving communities and struggling home owners by following through with their promise to modify my home. Just because I received XXXX loan modification by a different servicer, XXXX then XXXX XXXX XXXX, should not be a factor according to law. It has been more than 8 year to date. Their terms can be looked into so that they lower my interest rate to 2 %. Deceptive practices hurt communities and the very foundation of building our lives from the bottom up through hard work.k
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Every month I have been pulling my credit report and all the information was wrong, I sent in my ID and Proof of address. They haven't corrected or updated it yet. I also seen that there is wrong information on my credit report that shouldn't be there when it comes to my account. I circled all the incorrect information and asked them to prove it, and I know they cant because it is actually incorrect. Now Im at the point where I am waisting money doing this and now Im seeking reparations, and to correct the late payments on XXXX and remove the other accounts XXXX XXXX and XXXX.
Consumer complaint received 2023-03-16
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. (VA)

I spoke with XXXX in the fraud department at XXXX. She refused to remove inquiries off my report that was reported as fraud. All the inquires were connected to the fraud accounts. 
Per the FCRA, inquires can be opted out in which she refussed to do so. I had been hung up on twice while trying to correct my consumer report.
Consumer complaint received 2022-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been submitting multiple letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : 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 2022-07-21
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. (NY)

On XXXX/XXXX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days i request these items be removed, if not I will file for litigation due to the stress this has caused me.
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX XXXX provoked a dispute with me in late XX/XX/XXXX. I discovered that even though it resolved in my favor, they continued to mar all three of my credit reports with a statement about it. I asked XXXX to stop reporting it via a phone call in XX/XX/XXXX. They did not. I have detailed what happened under the complaints XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, and XXXX XXXX XXXX - TransUnion. I am complaining again because I was not satisfied with any of the responses. 

In the case here of Transunion, though they corrected the report I continue to be aggrieved because when you review this case why did they do this in the first place?
Consumer complaint received 2019-03-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: GMA Investments, LLC (CA)

XXXX called from SummitRecievables and left a voicemail on my phone. He does not ask indicate who he is calling for. He is collecting debt. The call is harassment, any debt has to be mailed. Don't know who Summit Receivables is calling for, and the legitimacy if not providing paper documents.
Consumer complaint received 2019-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (VA)

Hello, I have been made aware of a debt that a collections company alleges I owe for an account that I did not authorize. I dispute the validity of this debt and have tried to resolve the issue with the collections company that bought the debt.
Consumer complaint received 2018-04-19
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (FL)

In XXXX hey girlfriend at the time and I got an FHA refinance loan on the property we have lived on for 3 years to pay off homeowner and a lien. I stated numerous times prior to closing and throughout the process to add my name to title. The girlfriend at the time had no job, zero income, and no credit. My job history and credit qualified for the loan. We both did separate applications and both of us stated in our application that title will be held in both of our names. Since my credit in job history qualify for the loan I should have became primary borrower not a cosigner for FHA rules and guidelines do not permit co-signers unless they are blood related or married. Throughout our whole closing documents I am not mentioned as a cosigner only borrower. Trusting my lender and Title Company in  good faith that they took care of all that we requested before closing. Come to find out summer of XX/XX/XXXXmy name was not on title. FHA requires all borrowers and co-borrowers to take title at closing. I've been fighting with them for many many months to correct this and they keep giving me the runaround saying that they made a phone call to her and ask her how she wanted the the deed too big 3 months before closing and she stated just keep it in my name only. I never knew about this and quite frankly it sounds made up. I've heard that this is an illegal practice. I have made 100 % of all the mortgage payments and 100 % of all the payments 3 years prior to our mortgage and now my children and I are being evicted out of the house on an unlawful detainer when she found out her name was the only one on there. I have spent thousands of dollars and many many hours trying to correct this and Quicken Loans nor Title Company will do anything. They did not follow FHA rules and guidelines for all borrowers and co-borrowers must take title to the property at closing I think I should have been told about the phone call since it was my loan or I never would have gotten the loan. Now I'm stuck on a tenants-in-common mortgage and we still liable for the debt but have no ownership rights and have no place to go. Neither title company or lender will admit their wrongdoing and handling our mortgage process. I how to put tens of thousand dollars into this property and have to walk away for the cops will be here any day to remove me from the home payments are all current and I've lost all equity I spoke with them today to do a scrivener 's error to correct this they refused. They have also appraise the property at application for times higher than what it was worth. I don't know what else I can do they will not budge. They need to correct this problem immediately before more damages occur if I have no home for my children I will lose custody. This is a huge colossal mess that they have caused in my life. They have denied any wrongdoing everything in closing documents are signed and initialed stating I should be on title and they're telling me a phone call changed all that. This needs to be resolved immediately thank you.