davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX
Consumer complaint received 2019-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA Bank ; with whom I Bank with, issued me my USAA automobile insurance check for a total loss accident. They did not want to close the account and tried to collect fees as if the account wasnt closed however I received the check and they must now close the account. They had someone contact me but they keep stalling after I received the check. Proof of this is the fact that they refused to upload the check on their app because it would show that the account had to be closed. Attached is proof of payment please make them close the account. They dont have integrity at this Bank. They keep taking money from my account for payment when the auto policy has ended and check was issued. Please read the check date. They must close the account.
Consumer complaint received 2018-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

SLS mortgage company XXXX XXXX XXXX assessed 2 {$25.00} fees when I used their automated system to request a payoff quote. I made the two separate requests in the month of XXXX - on XX/XX/XXXX and again on XX/XX/XXXX. As of XX/XX/XXXX at XXXX PST, I still have not received the payoff quote. At the time that I requested the payoff quote, I was never warned that a fee would be assessed for preparing the payoff. My statement disclosures say that a fee may be assessed in " certain states '' but does not list an amount. When I didn't receive the payoff after the first request ( XX/XX/XXXX ), I attempted reach a customer service rep by calling the customer service number at XXXX on XX/XX/XXXX but was advised by automated system that the hold time to speak to a representative was more than 20 mins at which time, I elected to simply submit a second automated payoff request because I was unable to hold for that length of time and needed to return to work. Again, had the fee been disclosed to me by the automated system, I would not have made a second request. 

Still with no payoff quote, I contacted SLS again today, XX/XX/XXXX, and thankfully only had to wait 4 minutes to speak to a representative. I explained to the customer service representative that I had not received a payoff quote and had been assessed 2 {$25.00} fees, which had already collected from a large payment that I made toward principal on XX/XX/XXXX ( {$8000.00} payment ). When I objected to the fee because it was not disclosed to me and because I have still not received a payoff quote, the CSR offered to waive one of the {$25.00} fees and to fax the payoff quote that she had in front of her to me directly but noted that the payoff quotes are only good for 30 days and therefore, the one she would be sending me would only be good until XX/XX/XXXX. I advised the CSR that I do not have a fax machine and asked that they mail the quote to me. I voiced my concern that I would not receive the payoff quote by mail before it was no longer good and the CSR again asked me to provide a fax number, ( which I again told her I do not have ) and advised that if I could not provide a fax number then I would likely need to order a THIRD payoff quote, for another {$25.00}, because the one they had already prepared was about to expire. I again objected to the fee given that I still have not received a payoff quote and asked to speak to a manager. I was refused a manager, instead, after a hold, I was told by the CSR that she would submit a request to credit back the two {$25.00} fees that I had already been deducted from my last payment but noted that I would have to wait until XX/XX/XXXX before the fee credits would reversed and applied to my principal. After that, the CSR told me that I would have to call back again, after XX/XX/XXXX, to request the payoff for a third time and that they would add another {$25.00} fee to the payoff quote for the new request at that time.
Consumer complaint received 2022-06-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I sent a loss mitigation application and all requested documents to Carrington Mortgage. I was in contact with them throughout the process and sent in everything when asked. I really thought they were going to help. Soon after, I receive a denial/cancelation letter with no reason as to why. I called and was told to reapply, which I did. Not a week later I get a Notice of Intent to Foreclose demanding all arrears due when I am not even 60 days late yet. Now they won't respond to emails and customer service can't assist. I even told them I'm willing to accept the 3 month payment plan an agent said they offered which wouldn't even need a loss mitigation application. Now I can't even get that. I thought there were laws protecting borrowers and sending a notice to foreclose after only 45 days shows the true motive. It really seemed they cared at first, but to try to take a house from a single parent with a young daughter when I'm trying and able to pay what I owe is truly awful.
Consumer complaint received 2021-02-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (VA)

I was laid off XX/XX/2020 and have been unable to return to my previous job. 
Ive had several interviews but nothing has resulted in employment yet except for one offer that fell through because of the pandemic. Ive explained this to my loan service company several times. I can not make any payments right now but they continue calling and mailing threatening letters and trying to ruin my credit.
Consumer complaint received 2019-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Summer of 2018 I was denied a mortgage loan due to a company named XXXX XXXX stating that I owed them a debt. In full disclosure I have used there service in the past and have paid them in full with no issues. I was surprised to see them multiple times and reached out to the company in person and via mail for validation of this debt. None has been provided. All three credit bureaus state that XXXX XXXX, XXXX, world acceptance etc. Has provided them proof of this debt and even they have not provided me proof.
Consumer complaint received 2022-07-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AZ)

We dont understand why Wells Fargo acknowledged that we are victim of identity thief yet dont want to do wants right and give us all our money back. We been trying since XXXX XXXX. We hope you can help. Wells Fargo gave us this information XX/XX/2021 to XXXX XXXX, XX/XX/2021 XXXX XXXX, XX/XX/2021 XXXX XXXX and XX/XX/2021 XXXX XXXX all {$1000.00} each. We do NOT know any of this people and we did not send them money NOR authorized anyone to send them money.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-03-23
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. (IL)

XX/XX/2018 I was denied a mortgage loan due to a company named XXXX XXXX stating that I owed them a debt. In full disclosure I have used there service in the past and have paid them in full with no issues. I was surprised to see them multiple times and reached out to the company in person and via mail for validation of this debt. None has been provided. All three credit bureaus state that XXXX XXXX, XXXX, world acceptance etc. Has provided them proof of this debt and even they have not provided me proof.
Consumer complaint received 2018-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (IN)

XXXX XXXX XXXX XXXX, sent a letter which was received on XX/XX/18, being the first communication with the company claiming it was collecting on claimed debt, on behalf of Indiana University. They claim a total debt of {$5200.00}, which I plan to fully dispute. As of Today, XX/XX/2018, I have not received a written notice containing information of a 30 day period to write the collector back for validation of the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ), 809, ( a ) Notice of debt ; contents, Subsections 3 through 5. The initial communication letter did not contain the proper notice either. I have not taken any action as of writing this complaint.
Consumer complaint received 2018-04-24
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: NCC Business Services, Inc. (GA)

On XX/XX/XXXX, I notified the credit bureau that I am a victim of Identity Theft, ( police report, identity and theft affidavit ). I provided the legal documentation required along with identifying information. I requested they remove the following accounts. This information is still reporting. I was first violated when they failed to verify the information and then when they reported it. The original creditor has deleted the account but the collection agency and credit bureau accounts are reporting The credit bureaus and the collection agency has ignored the laws that was set-forth to protect me. It has exceeded the 30 days to investigate and delete the account. 
The companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The only address that should be reporting i s XXXX XXXX XXXXXXXX XXXX, XXXX Ga, My Name should be reporting as XXXX XXXX XXXX XXXX No variations and no AKA I did Not authorize the following Inquiries : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

XXXX Initial complaint filed. I have filed multiple requests for updates. I have faxed, emailed and mailed my identification including my driver 's license and social security card. My banks are still unable to pull my credit report and score. I have been told on multiple occasions including the above listed complaint that this has been resolved and it has not. Each day is costing me a risk of higher interest rates and delays the progress on my project.
Consumer complaint received 2019-03-23
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. (MI)

In 2017, I filed the proper ID Theft report # XXXX, including all required documents & affidavits, I even had Senator XXXX XXXX office contact the Credit Bureaus.After months and months of fighting and perseverance, the ID theft Accts. were finally blocked.

A XXXX card, which was the result of that ID Theft and was BLOCKED from my transUnion Credit Report is back on my TransUnion credit report.

As a result of the ID Theft I had requested XXXX  to conduct a full and proper investigation and forward every document concerning this account and results of XXXX investigation. XXXX  did none of this and I have received XXXX documents as required by law.

However, and incredibly shocking These XXXX at XXXX  continue to break and ignore the rules of law. XXXX   has placed this account back unto my XXXX, XXXX and TransUnion credit reports, dropping my credit score over 100 pts, resulting in my insurance cost being raised. THIS IS THE ONLY NEGATIVE ACCOUNT REPORTING TO THE CREDIT BUREAUS.

TRANSUNION MUST BLOCK THIS XXXX  ACCOUNT again IMMEDIATELY. Otherwise I will hand this over to my attorney to file a lawsuit against TransUnion in Federal Court.
Consumer complaint received 2019-03-23
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: EQUIFAX, INC. (MI)

In 2017, I filed the proper ID Theft report # XXXX, including all required documents & affidavits, I even had Senator XXXX XXXX office contact the Credit Bureaus.After months and months of fighting and perseverance, the ID theft Accts were finally blocked. 

A XXXX card, which was the result of that ID Theft and was BLOCKED from my credit reports is back on m credit reports. 
As a result of the ID Theft I had requested XXXX to conduct a full and proper investigation and forward every document concerning this account and results of XXXX investigation. XXXX did none of this and I have received zero documents as required by law. 
However, and incredibly shocking These scumbags at XXXX continue to break and ignore the rules of law. XXXX has placed this account back unto my XXXX, Equifax and XXXX credit reports, dropping my credit score over XXXX pts, resulting in my insurance cost being raised. THIS IS THE ONLY NEGATIVE ACCOUNT REPORTING TO THE CREDIT BUREAUS. 
XXXX, EQUIFAX AND XXXX  MUST BLOCK THIS XXXX ACCOUNT again IMMEDIATELY. Otherwise I will hand this over to my attorney to file a lawsuit against XXXX, Equifax and XXXX in XXXX XXXX.
Consumer complaint received 2022-06-14
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: JPMORGAN CHASE & CO. (FL)

In accordance with the fair credit Reporting act XXXX  Account " XXXX XXXX '', " XXXX XXXX XXXX XXXX XXXX  " JPMCB CARD '', " XXXX XXXX & XXXX '', '' XXXX XXXX XXXX', has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (GA)

Nelnet is in violation of FDCPA and negligence.

FDCPA Nelnet has never responded with verification of Debt following all inquiries and allegations. Under 1692g ( b ), if a consumer notifies the debt collector in writing within thirty days of receiving the 1692g ( a ) notice that he disputes the debt or any portion of it, the debt collector must stop collecting the debt, or the disputed portion of the debt, and obtain verification of it and mail that verification to the consumer. This information has never been obtained from Nelnet. Nelnet has engaged in False or misleading representations, Other prohibited unfair practices as Debt collection agencies may not : collect an amount greater than what you owe. If they do not have validation of the debt and have not provided that it stands that the amount due can not be known. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, -- - XXXX XXXX -- - ( XXXX Cir. XX/XX/XXXX), 2014 WL XXXX XXXX XXXX Cir. Mich. XX/XX/XXXX XXXX, XXXX U.S. App. XXXX XXXX, the XXXX Circuit expanded the requirement for how a debt collector must respond to a debtors request for verification of a debt under the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. ( FDCPA ) Nelnet has violated FCRA and GBLA laws by the inability to produce records. There are multiple months with missing information not reported or reported incorrectly. This formation has been been provided to Nelnet on Multiple occasions. Nelnet does not have the requested records and is therefore unable to show this information to credit agencies effectively. They report NO DATA for multiple months on all 3 credit reporting agencies. This violates fair credit reporting and because it has happened over the course of 5 years on Multiple occasions it is not longer negligence but intentionally misleadingly. This violation is the second reported by the company against for violating FCRA as the first regarded violation of privacy laws under FCRA and GBLA. The fact that they are violating multiple sections of FCRA concerning Accuracy and Privacy on multiple occasions is not a call for concern but a call for action. This action has led to breach of contract under Nelnet Terms of Service when they were to have verified the actual debt before buying it from XXXX and other companies. They are unable to very the data missing and have therefore failed to report it to the Credit agencies. This violates FCRA and GBLA laws. Nelnet purchase my Loan from another company. When a company purchases a loan they are required to very that ALL details of the loan are valid. Nelnet did not validate the debt before purchase and violated FDCPA guidelines. Nelnet has been asked in CFPB complaints to verify debt by asking about the lack of reported information to CRA 's.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

There is a late payment reporting on my XXXX XXXX  account. As you can see I have had this account open for years and never made a late payment and there is not one single other late payment reporting. I care about my credit and have a great relationship with all my creditors. Please remove this remark.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

There is a late payment reporting on my XXXX XXXX  account. As you can see I have had this account open for years and never made a late payment and there is not one single other late payment reporting. I care about my credit and have a great relationship with all my creditors. Please remove this remark.
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 — Account information incorrect
Company: EQUIFAX, INC. (NV)

There is a late payment reporting on my XXXX XXXX account. As you can see I have had this account open for years and never made a late payment and there is not one single other late payment reporting. I care about my credit and have a great relationship with all my creditors. Please remove this remark.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to FCRA 605B, we're supposed to get rid of incorrect accounts from reports. Can you check the documents? The accounts listed on my report are wrong, and it's making me feel restless.
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: ENOVA INTERNATIONAL, INC. (LA)

I think Im being declined for multiple inquiries. I have no clue what they are. So my inquiry Adds to it and isnt mine I never had a XXXX  checking account, we dont even have a bank around my area
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am a natural person. I am a living human being. I have rights under USC 1681.

Equifax is govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts below to be removed because : According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account -XXXX  XXXX XXXX XXXX Charge Off, {$10000.00} XXXX XXXX  XXXX XXXX XXXX XXXX, {$300.00}
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CT)

EQUIFAX is improperly reporting my XXXX XXXX cards, they are not reporting them at all on my report therefore my credit score is wrong with them. I contacted XXXX XXXX and they ensured me they report to Equifax, therefore my credit score, amount of available credit and total credit cards reported by Equifax is WRONG.
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've always ensured timely payments on this account, never letting them become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX XXXX Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX, 2020 XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/2020 XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, 2020