davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-24
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. (MI)

I have sent 3 letters to XXXX  and Experian requesting that they properly verify and conduct a reasonable investigation of a collection account on my report. They have stated that it was verified, but I have not received anything that proves the account is mine or that it is complete and accurate. I also requested validation from the collection agency ( XXXX XXXX ), they failed to properly validate the debt. 
I sent the same request to XXXX and they removed it because they could not properly verify the debt. I am requesting that the information be removed per the Fair Credit Reporting Act. If this is not removed I will pursue litigation.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2022-08-16
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. (TX)

This is my seven endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$1600.00} XXXX Inquiry Date XXXX XXXX XXXX date : XXXX Texas XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XXXX, XXXX Inquiry Date XXXX, XXXX Date : XXXX, XXXX date : XXXX, XXXX date : XXXX, XXXX XXXX date : XXXX, XXXX XXXX  XXXX  XXXX : XXXX, XXXX  Date : XXXX, XXXX XXXX date : XXXX.
Consumer complaint received 2022-08-16
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. (KS)

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2018-03-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I sent a {$300.00} payment in addition to the regularly scheduled payment {$410.00} on the student loan with Navient. I included a note with special instructions stating this {$300.00} was to be applied to principal only. Upon checking the account history, the {$300.00} was split {$110.00} to principal and {$180.00} to interest. This student loan was originated XX/XX/XXXX. I am trying to get the loan paid off. On XX/XX/XXXX I had submitted a {$4000.00} check with instructions for this money to go on unpaid interest and fees. Account history shows {$72.00} was applied to principal and {$3900.00} was applied to interest like instructed. Why are the special instructions not being followed? I am trying to get the loan paid off. 

Upon review of account history, the payments have alternating months when interest is greater than principal management.
Consumer complaint received 2022-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

At The Beginning Of The Year I Had A collection placed on on 3 bureaus from a 3 party Debt collection agency! 

I dug into it to figure out what it was & it was from a telephone company ( XXXX XXXX ) To an address in Louisiana! 

Ive Never lived in Louisiana XXXX XXXX XXXX Doesnt Even Service Texas From the research Ive done, so how could I possibly own this debt Debt Is For {$2400.00}! 

I deputed it & filed a police report with the XXXX, Texas police department & it was removed once the credit bureaus discovered it was fraudulent! 

Just yesterday it popped up on my credit again, but know through a different 3 party collection agency! 

New Agency : XXXX XXXX XXXX I WOULD REALLY LOVE TO FIGURE OUT IF I CAN RID OF THE FRAUDULENT ACTIVITY!
Consumer complaint received 2019-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC (MI)

I HAVE CONTACTED XXXX AT XXXX XXXX XXXX XXXX NUMEROUS TIMES REGARDING THESE 2 ACCOUNTS THAT ARE SHOWING UP AS COLLECTIONS ON MY CREDIT REPORTS. THIS COMPANY IS STATING THAT AN ELECTRONIC SIGNATURE IS MINE BUT HAS NOT PROVEN THAT THIS WAS INDEED ME THAT MADE THESE PURCHASES. THIS COMPANY HAS NOT SHOWN OWNERSHIP TO NEITHER PLATFORM THAT I HAVE MADE COMPLAINTS TO INCLUDING CFPB, XXXX  AND MI ATTORNEY GENERAL BY BILL OF SALE OR CHAIN OF ASSIGNMENT THAT PERMITS THEM TO REPORT THESE FRADULENT ACCOUNTS ON MY CREDIT REPORT.
Consumer complaint received 2023-01-26
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

Shellpoint has grossly mishandled my money. My mortgage transferred to them beginning XX/XX/23 and even though the welcome letter told me the auto-draft would remain in effect, when the payment due date passed by without a auto payment made I contacted them and the rep told me the auto-pay function didn't work during the transfer. She said I would need to pay a manual payment and set up the auto-payment again. I did so on XX/XX/23. The following day, Shellpoint still drafted the using the auto pay for the 2nd time. So now they drafted it twice. The amount they now held of mine was over {$6100.00}. I requested an immediate reversal and they said they can't reverse and would send a payment via ach right away and i would receive in 3-5 days. After 5 days I called and they said no, they actually sent a check and it would be there in 10-14 days. I said no, i needed it right away. They cancelled the check and resubmitted an ach. They assured me it was all set. After 5 days I called and the lady said it would be in my account by the following day. 2 days later and I still didn't get it. I called again and the rep said the ach was submitted in error and they needed to do it again. By now XX/XX/23, they've held my {$6100.00} for over 16 days. I finally got more testy and demanded an immediate resolution, i suggested i needed to speak with someone who could approve a same day wire as this whole process was unacceptable. Instead of being helpful, the person on the line set up the virtual wall that I can't go any further, that I can't get an immediate response, and that I'll have to continue to wait. If i could simply take my business elsewhere I would, but since I have no choice in who services my mortgage, the least I can do is write a poor review. Horrible company.
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have disputed the late payments on this XXXX XXXX XXXXXXXXXXXXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2022-08-16
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. (GA)

File a Complaint against XXXX XXXX XXXX XXXX : submission succeeded Thank you. Your complaint has been submitted. 

Your complaint case number is XXXX. If you provided an email address, you will receive an email with a link to your case within approximately 48 hours. You may click here to print a copy for your records. XXXX  acts as an impartial third party between you and the business in an effort to resolve your complaint. 

Feedback from consumers is vital to XXXX. We appreciate your willingness to report this information to us. We look forward to helping you and the business work toward a resolution. 
I filed a complaint to Self with the XXXX  since on my Experian report and is not reporting correctly for my Self Secure Credit Card and is impacting my credit score lower than what it should reflect. I stated please provide Experian the updated Secure Credit Card limit along with credit usage. Attached is the incorrect reporting to Experian. Account XXXX I need someone to contact me from XXXX. XX/XX/2022 XXXX AM I received a Notice of Adverse Action My account was closed for no reason stating Description of Action Taken : Termination Account closed - unable to verify customer information. I have not been asked verify my account all my information is correct. I have been making excellent payment history on time never have been late.
Consumer complaint received 2018-11-15
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. (CA)

There is a hard inquiry on my credit report from XXXX XXXX XXXX in XX/XX/2018 that should be removed. I have not signed up for telephone service and dont have an account with the company. 
I have disputed the inquiry but it has not been removed from my credit report.
Consumer complaint received 2019-01-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (AL)

Flagstar Bank has erroneously reported on my Form XXXX the amount of property taxes that was paid from my escrow account for tax year XXXX. Background - Refinanced mortgage on XX/XX/XXXX, with XXXX XXXX XXXX XXXX, XXXX ( XXXX ). At closing {$220.00} was collected by the closing attorney for the property taxes owed for XXXX. Attorney forwarded the {$220.00} two days later to XXXX County, AL. In XX/XX/XXXX XXXX sold the new mortgage to Flagstar Bank and forwarded {$630.00} to be deposited in an escrow account associated with mortgage. On XX/XX/XXXX, Flagstar Bank forwarded {$220.00} to XXXX County, AL, as payment for property taxes causing a double payment to be made to the county. On XX/XX/XXXX, Flagstar Bank received a refund for the XXXX property tax over-payment from XXXX County, AL, which was deposited in the escrow account, but instead of noting that it was applicable against XXXX taxes, Flagstar Bank applied it toward XXXX taxes. On XX/XX/XXXX, Flagstar forwarded {$550.00} to XXXX County, AL, for payment of the XXXX property taxes. After that the account showed that only {$320.00} was paid toward XXXX property taxes and when the Form XXXX was issued the amount of property taxes shown as paid was also {$320.00}. I have requested several times that the amount of taxes paid toward XXXX property taxes reflect the {$550.00} but Flagstar has refused to make the correction.
Consumer complaint received 2019-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (LA)

I already reached out to the credit bureaus and to XXXX XXXX XXXX  XXXX for the account numbe XXXX and notify them of their error posting for this account. I DO NOT OWN THIS DEBT, I NEVER HAD A XXXX XXXX XXXX XXXX ACCOUNT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied to the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.
Consumer complaint received 2019-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I wrote 2 checks. Each was for {$54.00}. The payee was the Treasurer, State of New Jersey with regard to filing fees for a Small Claims Court lawsuit being commenced by my beloved wife XXXX and me. The checks were never cashed. The Court never filed our 2 complaints. And so I placed stop payments on the 2 checks. 

The Bank of America charged me {$30.00} in stop payment fees FOR EACH CHECK! This is an exorbitant amount of money to charge me! 

I had no choice but to stop payment on the 2 checks because they were never cashed and the 2 complaints for the 2 cases never filed by the Court. 

I did not stop the checks for any mistake on my part. I stopped the checks because, to repeat, they had not been cashed and the 2 complaints-1 check for each-had never been registered or filed by the Court. 

Yet Bank of America refuses to reverse the stop payment charges or make any adjustment at all even though I stated I would complain to the CFPB if they were not reversed which I am now doing. 

I even offered to pay a lesser stop payment fee such as {$10.00} but again the Bank of America refused to do so! 

Outrageous! And I am a senior citizen of advancing age who should not have to be put under such stress as the Bank of America is causing me by their adamant refusal to refund the {$60.00} in stop payment fees or agree to any lesser sum at all!
Consumer complaint received 2023-04-01
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 sent several disputes to XXXX, XXXX, Transunion stating that an account was not mine and it was due to fraud. I showed proof that this fraud was done by an apartment complex and I showed proof of taking them to court to sue them over fraud. Transunion and XXXX deleted it off my credit report but XXXX refuses to remove it. I even hired a credit repair company to dispute it and they still denied the dispute. I will like XXXX XXXX of {$270.00} removed from my credit report. Also on XXXX XXXX XXXX I sent all 3 credit bureau my accurate name and address along with social and employment and phone number. I asked that any inaccurate information on my credit report to be removed because I fear for future fraudulent activity. I am trying to correct my credit so I can be able to purchase a home in my near future. I sent letters to XXXX, Transunion, XXXX. 
XXXX still has inaccurate information on my credit report even after me showing proof. I also will like this inaccurate information removed. It has reached the 30 day mark for all corrections since the disputes.
Consumer complaint received 2022-08-16
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. (MD)

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 XXXXXXXX : FORMAL COMPLAINT TO DELETE INACCURATE AND UNAUTHORIZED INFORMATION. 
THE FOLLOWING INQUIRIES LISTED BELOW ARE INACCURATE AND MUST BE DELETED FROM MY CREDIT REPORT. THEY WERE NOT AUTHORIZED. 

XXXX XXXX XX/XX/XXXX NOT AUTHORIZED XXXX MORTGAGE SERVICE- XX/XX/XXXX NOT AUTHORIZED XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLUS- XX/XX/XXXX NOT AUTHORIZED According to fair credit reporting act, 609. disclosures to consumers [ 15 u.s.c. 1681g ], you have 30 days to investigate these accounts and delete them if they are not verified correctly from the creditor. I demand a signed contract with my signature in ink from the creditor. I demand the name, account number, the payment terms, the status of the account, the amount past due, the payment amount, the date the account was opened, date of the last activity on the account, and the balance due on the account sent to me.

The fair credit reporting act 611. procedure in case of disputed accuracy [ 15 u.s.c. 1681i ] states an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 u.s.c. 1681i ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

I DEMAND ALL UNVERIFIED AND INACCURATE INFORMATION TO BE DELETED FROM MY CREDIT REPORT. 

PLEASE SEND AN UPDATED COPY OF MY CREDIT REPORTS, PERMISSIBLE PURPOSE, PROOF I INITIATED INQUIRY, SIGN DOCUMENT OF MY SIGNATURE FOR INQUIRING THE LOAN, AND THE RESULTS OF YOUR INVESTIGATION NO LATER THAN 5 DAYS AFTER DELETING THE ACCOUNT.
Consumer complaint received 2023-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2018-03-01
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. (PA)

XXXX XXXX has reported that my credit card is overdue and that I have missed two payments. They have sent this information and as a result my credit score has dropped significantly. I explained to XXXX that I am a member of the United States XXXX XXXX and that I was unable to make payments due to being away from home for extended amounts of time. Also I was not aware of the autopay feature when I applied for the card. I believe that XXXX took advantage of this and as a result my account went delinquent. I have never missed a previous payment and I am a loyal customer.
Consumer complaint received 2019-01-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (CT)

This is in reference to DIVERSIFIED CONSULTANTS. I recently noticed an open collection account on my consumer credit report from DIVERSIFEID CONSULTANTS and I do not know this company nor was I ever contacted by this company to pay or make an arrangement with this company. I noticed the same account from DIVERSIFEID CONSULTANTS on my credit report last year but then it disappeared. Now I see this company show up on my report again AND again without any formal written notice and this time the collection debt has a different opening balance date. This company DIVERSIFIED CONSULTANTS is playing around with my credit information and I am afraid my identity has been compromised because of it. I have also submitted a letter of debt verification to this company which they have yet to respond to.