davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX
Consumer complaint received 2022-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

My mortgage with Mr Cooper ( a.k.a. Nationstar Mortgage ) has yet to receive a 1098 for 2021. My loan # is XXXX. I have contacted their customer service call center numerous times and had three " cases '' opened to request the 1098, all without successful resolution. The case numbers were XXXX, XXXX, and XXXX. As of XX/XX/XXXX, neither the mortgage portal shows my 1098 nor have I received one via USPS mail. To be explicit, the missing 1098 from loan # XXXX should include interest for about XX/XX/2021- XX/XX/2021. The loan was then refinanced and I received a XXXX for the new mortgage, but not yet for this prior one. As I have reached out multiple times, the interest amount is over the {$600.00} IRS requirement, and Mr Cooper is still unable to produce the required document, I request assistance in resolving this. This is not the first issue I've had with Mr Cooper and it is sad that I have now opened up three CFPB complaints to try and resolve simple issues that Mr Cooper 's support process seems unable or is unwilling to resolve. These have not been weird esoteric issues, so it is surprising that an organization has such issues in processing the seemingly simple requirements of being a mortgage servicer.
Consumer complaint received 2022-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (AL)

someone used my identity to open an account with XXXX XXXX XXXX XXXX out of XXXX Texas. I have never lived or visited XXXX Texas, the address in question is XXXX XXXX XXXX, XXXX Texas XXXX. I have contact the collection agency ( Transworld Systems ) XXXX XXXX XXXX onXXXX XXXX and the Federal Trade Commission on XXXX XX/XX/2022. Transworld Systems case number is XXXX, Federal trade commission report number is XXXX this obliviously fraud committed against me, and I would like this removed from my credit report immediately.
Consumer complaint received 2021-08-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GreenSky, LLC (FL)

Last year, I filed a complaint with the CFPB for a Rooms to Go debt that was agreed to be settled and paid. The amount originally owed was {$300.00}. The amount was settled for less than the amount owed. See the attached. Also, please reference the CFPB complaint from last year. 

However, this debt is still being reported to XXXX  and XXXX, but as a delinquent charge off for a {$3000.00} credit line, which is entirely inaccurate. Additionally, they have an old address for me, which is also inaccurate.
Consumer complaint received 2021-04-16
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. (MD)

I have two accounts with XXXX XXXX XXXX XXXX XXXX. Both accounts start with the account number XXXX. One had a high credit of {$100.00} and the other has an existing balance of {$370.00}. 

I submitted a dispute to have the {$100.00} high credit account updated to " included in my bankruptcy ''. The XXXX account with the {$370.00} was NOT included in my bankruptcy. I disputed that one to get the " affected by natural disaster '' updated for my late payments in 2020. The bureau didn't get anything right. 

They did not put the bankruptcy notice on the {$100.00} high credit account and they DID put the bankruptcy notice on the {$370.00} balance.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AR Resources, Inc. (SC)

XXXX XXXX in XXXX SC turned me into collections after I paid the bill have approx XXXX infractions of collections on credit report after bill paid in full, history of paying since day one over contractual amount hospital wanted ( XXXX a month but paid above and over this amount ) continue to be on credit until XXXX this year
Consumer complaint received 2021-12-09
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-12-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (IL)

Navient has a " Document Upload '' form on their site that never accepts documents that you absolutely need to upload, requirements for things like an Income-Driven Repayment Plan. I have tried using this form on multiple computers and it's just not working. They also have no general customer service email to get help with the situation. Not to mention that a form I have already given them in the past has the information they are looking for now. They seriously try to make everything increasingly difficult. I have been working to upload a single form for the last hour and a half. Something that should have taken 1 minute.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CBE Group, Inc. (SC)

XXXX XXXX in XXXX SC turned me into collections after I paid the bill have approx XXXX infractions of collections on credit report after bill paid in full, history of paying since day one over contractual amount hospital wanted ( XXXX a month but paid above and over this amount ) continue to be on credit until XXXX this year
Consumer complaint received 2022-12-16
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. (MD)

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this single account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX BALANCE : {$230.00}
Consumer complaint received 2022-03-26
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. (FL)

I requested that the company XXXXXXXX XXXX XXXXXXXX, XXXX provide me with documentation that I owe them the debt that they are collecting for on TransUnion and XXXX. I have sent a response to them in reference to the documentation they provided on XX/XX/2022. They did not respond to this letter and have chosen to ignore the matter while still reporting erroneous information to my credit files with TransUnion and XXXX. I request that TransUnion and XXXX effectively remove this collection from my respective reports as they have failed to respond appropriately to my request on XX/XX/2022 and are violating the FCRA by doing so. See below for the claim I have submitted to XXXX XXXX  XXXX XXXX XXXX through the CFPB XX/XX/2022. 

In reference to CFPB claim XXXX and the documentation, I received on XX/XX/2022. The documents are unresponsive to my demand. I requested proof that I owe XXXX XXXX  XXXX, XXXX money. However, the documentation sent to me refers to an Internet, TV, and Phone company named XXXX. I sent a letter to XXXX XXXX  XXXX XXXX XXXX on XXXX, requesting they provide me evidence that I owe XXXX XXXX XXXX, XXXX money. If they can not provide such documentation, they should remove the erroneous collection from my credit file with TransUnion and XXXX. They chose to ignore this letter and did not respond. I am now invoking my right to have the account this erroneous collection removed/deleted from my credit file with TransUnion and XXXX. I have not been provided proper documentation showing that I owe XXXX XXXX  XXXX, XXXX anything, and they have not responded to my letter for over 45 days.
Consumer complaint received 2021-12-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (PA)

I opened an account with Commenity Capital Bank in XXXX, 2021. I forward my payments every month, but they have been posting the payments to the wrong account. I have made five payments ; they have posted three of them to the wrong account. They then call me repeatedly asking for the payment. I have sent numerous letters to them in response, but they are still posting the payments to the wrong account. This account was set up to be paid in 24 months, and as long as all of my payments are received in time, the bank can not charge interest or late fees. I am in jeopardy of being charged interest and late fees because the bank continues to post the payments to the wrong account. Also, I am being harassed by their employees calling demanding payment, which I have sent.
Consumer complaint received 2022-12-06
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. (NV)

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please have these accounts corrected : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Upgrade, Inc. (TX)

My payments were originally due on the XXXX of every month. I made my payment on XX/XX/XXXX and attempted to change my payment towards the XXXXXXXX XXXX of the month. The ONLY option was the date XX/XX/XXXX. Apparently I selected that date in error which made an additional payment due again on XX/XX/XXXX. I tried to call immediately and get it corrected it am unable to get it resolved and was told I would need to make double payments every month to prevent from being reported as late to the credit bureaus for the duration of the 36 month contract
Consumer complaint received 2022-12-16
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. (MD)

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this single account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX BALANCE : {$230.00}
Consumer complaint received 2023-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (FL)

XXXX dated XX/XX/23 indicates XXXX, XXXX received your XXXX XXXX XXXX ( XXXX ) plan application from XXXX. 

I see the account is past dues. How can it take more than XXXX business days to process a application so my account would not be past due?
Consumer complaint received 2021-04-16
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)

Ive been Disputting my XXXX XXXX I opened this account and someone got my information and used my card, I contacted XXXX over and over, they removed the negative reporting from my XXXX report but still reporting it negative on my XXXX and Expean this is very unfair to me because Im a victim of identity theft
Consumer complaint received 2021-08-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

On XXXX, I received an email stating that XXXX was sent via XXXX from my checking account. I called Chase to let them know that I did not authorize that transaction and I was told a claim would be filed and that I would receive a confirmation email. On Sunday I noticed that I still hadnt received the emailed and called chase customer service who stated she saw no claim filed in the system and that I would have to call back on Monday when they reopened. I called and filed a claim. They reversed the money temporarily. I received a letter approximately 10 days later stating that my claim was denied and that the money will be removed from my account. I called to dispute the claim and was told there was nothing else that could be done for me. I have banked with chase for over 20 years and this is the level of customer service I receive. I am very upset that chase allowed someone to steal XXXX of my hard owned money with no assistance of returning my funds.
Consumer complaint received 2020-11-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I sent certified letters to Equifax over 45 days ago and still haven't received any response. I'm really stressed out about these bogus accounts on my report and I've been trying to get my credit repaired since the found out my information was affected by the Equifax data breach.
Consumer complaint received 2022-10-08
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. (IL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-12
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. (PA)

My credit shows a car loan that is in repossession status. I previously spoke to XXXX explaining that the car wasnt mines and I was a victim of identity theft. I received a letter in the mail once the car was successfully recovered and the car was sold & the remaining balance was satisfied, As of XX/XX/2022. Ive be disputing this multiple times through XXXX XXXX  and Im not sure if thats the issue or what. Im unable to actually do anything for myself because somebody took advantage of my credit before I ever had a chance to and I still have no idea how! XXXX shows my SSN is on the dark web so Im not sure if thats how or what but this is completely ridiculous! I just want to be able to actually obtain something with my credit for myself and take advantage of credit so it can be used in the proper manner! I have a repossession and so many late payments its a crying shame for things Ive never had or seen a day in my life!
Consumer complaint received 2023-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (OH)

Nelnet is charging daily interest on my loan after I applied for XXXX plan and was approved back in XXXX. Currently has me on standard repayment and has failed to process my XXXX application in a timely manner. Keeps putting me on administrative forbearance and applying interest to my loan. Two hour hold times to speak to customer service. This should be illegal
Consumer complaint received 2023-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (SC)

I filed a dispute for unauthorized transaction and the dispute was entered incorrectly and interpeted incorrectly as the company outsource their agents. the claim was filed incorrectly twice and the banks acknowledges this and the banks fail to correct the issue and issue credit which has caused my account to be over drawn and a hardship with operating my business. 
calls have been disconnected and I have been bullied during the calls
Consumer complaint received 2023-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2021-08-24
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: EQUIFAX, INC. (FL)

I have consistently been denied access to credit by more then 10 banks because according to my credit report inaccurate items are on there that are tarnishing my reputation. Which is a violation of 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. I have tried reaching out to have this problem fixed. Nevertheless these inaccurate items are still being reported which is another violation because according to 15 U.S. Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors ; A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency. Those along are enough listed violations to equate to over {$5000.00} in fines. I am a single parent that is trying to support a family of XXXX. I have paid my dues in society all I am requiring is to be treated fair. Attached is evidence provided in the FCRA book, FDCPA book, and Proof of Equifax Data Breach Victim.