davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-12
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: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I have these accounts that are not mine and i want them to be remove from my credit report asap.

1. Identity Theft SANTANDER BK Account Number : XXXX  This is not mine.

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

4. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

5. Identity Theft 08 XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

The following credit inquiries listed on my Equifax and XXXX  credit report are all fraudulent and unauthorized : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-09-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (IL)

The company I.C. systems is threatening and attempting to damage my credit By reporting the same credit for the same company on a weekly basis. I have XXXX XXXX and I am getting alerts each week since XX/XX/XXXX in which this company is hitting my credit each week for the same debt. I have the account in dispute from XXXX in which they are charging me for services in which they never rendered. I requested transcripts and the calls to be heard of the multiple times I called disputing the charges to the company for them not giving me the product I requested and was never able to use. The debt collector is now threatening my credit and doing illegal reporting weekly for the same debt. I see this as being abusive action.
Consumer complaint received 2019-09-05
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. (FL)

XXXX XXXX XXXX Balance increase by {$25.00} Between XX/XX/XXXX to XX/XX/XXXX account balanced was increase from {$4200.00} to {$4200.00} I called XXXX XXXX and they said they do not know. 
Equifax doesn't know So Who knows?
Consumer complaint received 2022-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trojan Professional Services, Inc. (VA)

This complaint is regarding accounts. Per tracking, its been several months no information given, no investigations performed and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting.
Consumer complaint received 2018-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Equifax has taken over 30 days to complete my investigation. To date, they still have not provided me with an update and have claimed to the XXXX that they are still working on it. However, when I initially reported and disputed through them about my identity was stolen and that the creditors listed on my credit report did not belong to me, they returned a decision ( without updating me ) that the files were updated as correct. They left the creditors on my credit report. Now, they have asked the XXXX for an additional 60 days after they did not complete within 30 days and did not update me. This should not take any additional time to complete because if the credit belonged to me, it would be able to be proven. The creditors are unable to prove that the credit cards listed belong to me because it does not. As listed in my previous complaint, my name is not listed properly and the addresses are incorrect. I have not resided at any of those addresses listed on my credit report. Equifax should not be granted any more additional time and that they should immediately remove the fraudulent credit/creditors/credit cards from my credit report, as my identity was stolen. They had enough/apt time to collect information and to investigate. They took 2 days initially to keep it on there. I had also sent Equifax, in my previous complaint, the official documents of my official report of stolen identity and the misspellings of my name and incorrect addresses that the creditors reported on my credit file, proving that it was not me. I have never authorize the creditors for any credit. I would like the following removed my credit file -including the inquiries. The following are : XXXX Bank, XXXX Bank XXXX, XXXX, and XXXX XXXX Bank. Also, XXXX XXXX Services is listed twice on my report for the same. One should be removed.
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Since XXXX of 2021 I have submitted numerous Letters to XXXX XXXX and Transunion in regards to a Bankruptcy on my consumer report, All letters have been sent certified mail with tracking yet after the 60 day period i have never received any response or update towards my consumer report. I have sent 3 letters asking for a investigation with proper methods of verification and have received nothing. I however did file a motion prior to filing my bankruptcy to seal all documents which i filed with the court and a debtors full social is filed with the the original petition, therefore the only information that could be released to third parties is full name, last four of social and address under the Federal rules of Bankruptcy.
Consumer complaint received 2022-07-26
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-06-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc. (OH)

My complaint is against Skrill. I had {$1000.00} deposit into my Skrill account and when I went to transfer my money over to my bank account they put my account on restricted and not allowing me to use or move any of money. When I asked why I was told I had to wait 72 hours to regain access. 72 hours later and still no access and NO help or answers from Skrill. I think theyre just keeping my money and hoping I forget about it because I cant get an answer from anyone. I want to close the account after this but I dont want them to be able to keep my money. I dont even think I could close it as I cant do anything under the restrictions.
Consumer complaint received 2022-08-17
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (CA)

I attended XXXX XXXX XXXX and had remaining school loans after they closed their doors in XXXX. My student loan was with Navient, looks like the CFPB reached a settlement in XXXX that forgave the student loans with Navient as well. At this point I still continued to pay because I didn't want my credit to have a negative impact. Will this money be refunded to me?
Consumer complaint received 2022-07-26
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (AK)

To Whom This May Concern, On XX/XX/2022, I made a complaint with the state of Alaska for Caliber Home Loans. My husband called Caliber to be put on their XXXX list but we kept on getting letters in the mail for two years. I finally reached out to file a complaint with the state of Alaska to have Caliber remove us from their mailers. I got a letter back from XXXX XXXX Alaska state regulator ) stating that the company would put my family on the XXXX list. Today, XX/XX/XXXX. 2022 I have received another letter from Caliber Home Loans. Their corporate office is in Texas, but they originate in Alaska ( XXXX XXXX XXXX : XXXX ). My husband has received many homes refinancing letters since we have lived here and apparently after I have reached out to the state to be put on their XXXX list. During these two years, he has called Caliber Home Loans directly to add us to their do not contact list for the branch and corporate letters. Unfortunately, he still receives advertising letters and phone calls. 

If you view their website www.caliberhomeloans.com at the bottom of the website there are no disclaimers regarding do not contact lists. We see one for Texas and California but nothing for the rest of the 48 states to submit their requests to not be contacted. I have also noticed there is no NMLS number, state license verbiage, or Caliber Home Loan disclaimer with the corporate NMLS number at the footer of the website. The ECOA logo is small, for the ECOA/Fair Lending regulation, the logo should be large in reference to the organizations logo. All are which are required for the state of Alaska. 

According to the XXXX XXXX XXXX organizations that offer goods or services by telephone need to be registered with the Federal Trade Commission. They are required to have a national and local company do not contact lists offered to all branches. Caliber Home Loans may want to include a searchable database for consumers to fill out to ensure they will not be contacted by the organization. 

The XXXX XXXX states that the opt-out option must be offered for at least 30 days after you send in the message. When we called in to be removed from being contacted, it was stated we would not be contacted. Even after 30 days, we have still received mailers and telephone calls. This is a violation of the XXXX XXXX. As previously stated above, on the branch and corporate website, there is no form that a consumer can fill out to be removed from being contacted. I went through their website again and there is still no XXXX information for those who do NOT live in California. 

I do NOT want to be contacted by Caliber Home Loans. I don't know how many times I need to report Caliber.
Consumer complaint received 2023-03-21
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. (TX)

In according with Fair reporting act XXXX  Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1682C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-07-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (GA)

I enrolled in a cohort program which offered a accelerated certification, the loan service provider Sallie Mae offered me support for the program yet the university did not allow me to move forward. After enrollment a month in a half into course I learned that the device that was being used was not compatible with the software needed to complete the course. Sallie Mae offered the extension for that yet the university would not allow it to be used they referenced it as " Pace compliance ''. I tried to communicate with both entities that the program specifications and requirements discussed and disclosed prior did not match what the experience of service was and accept the solution offered by Sallie Mae yet due to processing issues I have not been able to attend. Sallie Mae advised that a disbursement for the program was given to the university and it would have to be sent back yet the university declined. I was given the run around and now have a debt that has not been sourced for use on my credit report. The University states that they do not have funds to send back and that I was given misleading information from the lender. They state that the payment processing did not go through on there end. 

Course start date XX/XX/XXXX _ XX/XX/2022 anticipated completion XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : Sallie Mae Loan amount for program : {$4800.00} Equipment to complete program request : {$9800.00} total amount
Consumer complaint received 2019-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (SD)

We were paying off our mortgages ( we had a 1st and 2nd mortgage ). The payment was sent and accepted on XX/XX/2019. Payment was posted to the 2nd mortgage on XX/XX/19, but for some reason the other funds were " misplaced '' at PHH Mortgage. We did not realize this until we received a call stating we were 15 days late on our mortgage payment. We explained that couldn't be as we paid it off before it was due. They politely said thank you and that was that. We thought it was a bit weird that we even got the call, as the transaction had happened two weeks prior. We decided to check online. That is when much to my dismay we discovered the loan had not been paid off. We called, and after several minutes of waiting finally got to talked to a customer service rep, XXXX, he kindly stated I am sorry, but we do not show the funds were received. He asked if we could send proof that it was sent. I in turn called my bank to get actual payment date info. I then called back and waited several more minutes before customer service rep XXXX came on the line. We explain when the bank sent the money and if she would check, she would see the other loan had been paid in full. Several things were needed so we asked if our bank could call and talk to them as we did not want to be the in-between person, they could fault for relaying something wrong. On XX/XX/XXXX our bank called PHH and also sent verification that the funds were sent and confirmation that the fund were received. But no result was returned. And no reply to the bank if the payment was ever found and applied to the loan, as XXXX XXXX XXXX ( intermediary bank ) had not received the funds back or any information from PHH regarding this. They sent in a service request and after a week. After several calls the wire was released back to our bank. The funds were received by our bank ( XXXX XXXX XXXX  ) on XX/XX/2019. Our concern now was that is was coming up on 30 days past our payment date and our credit would be affected. Finally on XX/XX/19 we call PHH again, and asked for a supervisor. We wanted the rep to know they didn't do anything wrong, but really wanted to get something done and soon. After waiting we finally talked to a supervisor ( XXXX, who said he was XXXX ). Anyway we explained what was going on and time space we were looking at. He requested proof again, even though we stated it had already been sent. He gave us an escalation department number to have our bank call because they told them it would be up to ten business days to get a payoff. After our bank finally talked to them they agreed if payment was sent on XX/XX/19, they would be sure to post it right away, but they refused to backdate the interest to XX/XX/19. We were basically forced to pay an additional {$480.00} of interest. We don't think this is right. What did they do with the funds for a whole month? 

We have attached documents that were sent to PHH, along with a letter that we wrote to them as well. 

Thank you
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022 I submitted a dispute and a complaint with the CFPB about The 3 Consumer reporting agencies XXXX and XXXX and Experian are reporting and furnIshing inaccurate Information on my Consumer report. All 3 are reporting inaccurate and different information FRCA States all Information Reporting Must be Accurate in 4 days from todays date which is XX/XX/2022 it will be almost 60 days since I submitted my dispute and complaint with the CFPB to all three consumer reporting agencies only XXXX has responded since XX/XX/2022 which is XXXX and XXXX in the qualified time Frame. Now I have not heard a not one response from ( Experian ) at all whatsoever though i understand that each consumer reporting agency does not communicate with each other I do not see why it is taking so long for them to produce results to this inaccurate information i that i found from Experian when i placed the same dispute and complaint with XXXX and XXXX at the same time. 

I WANT TO KNOW WHAT IS THE VALIDATION VERIFICATION METHOD USED TO VALIDATE THIS INFORMATION __________________________________________________________________________________________________________________________________________ ENCLOSED BELOW IS PROOF OF EACH INACCURATE ACCOUNT IN PDF FORM EVERYTHING THAT I HIGHLIGHTED IN XXXX IS INCORRECT AND INACCURATE AND BY LAW MUST BE REMOVED!!!
Consumer complaint received 2018-11-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAVALRY INVESTMENTS, LLC (FL)

XXXX recovery {$1800.00} Was close and pay off As of XX/XX/2018 They remove from my credit report then now back in XX/XX/2018 they add it back into my report from all three reporting companies
Consumer complaint received 2018-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MI)

On XXXX XXXX, XXXX I applied for loan consolidation through studentloans.gov. Navient was my servicer at the time so they processed the consolidation. I selected all existing loans on studentloans.gov for consolidation. I didn't leave one out. I wanted everything consolidated. On XXXX XXXX I called Navient and spoke to XXXX to cancel the consolidation process due to error in selecting intended servicer. I had selected XXXX XXXX by mistake. I wanted XXXX to service my loans after consolidation. XXXX told me I had a loan summary letter produced on XXXX XXXX informing me of the details of the consolidation. I had 10 days from date of letter produced to make any changes. I was well within the 10 days. XXXX submitted a request to the back office to cancel the consolidation, and informed me I should get a letter in the mail once it has been canceled. 

I never got that letter. Instead I got a welcome letter from XXXX XXXX dated XX/XX/XXXX. They had processed the consolidation and completely ignored my request to cancel. 

The consolidation didn't include all the loans as I had originally applied for. 2 separate loans were later consolidated on XX/XX/XXXX. I don't know why this occured, outside of the original consolidation process, nor was I notified of it taking place until it was finalized. I had called 2 days earlier and spoke with XXXX to have the consolidation canceled and yet the isolated loans still were processed. 

I then tried to file a complaint within their site, but to no avail. I called on XX/XX/XXXX and spoke to XXXX, a consolidation loan specialist from Navient. She could not resolve my situation despite confirming my request made weeks earlier on XX/XX/XXXX. XXXX informed me she would submit another request to higher ups. 

I also called XXXX XXXX to cancel the consolidation but they could not help me. They told me to call Navient. 

All Navient has done is spin me in loops. Give me the phone number to XXXX who would in turn have me call Navient to cancel the consolidation. I can never get anyone from Navient with authority to cancel or resolve my situation on the phone. All they have been able to do is submit requests to higher ups or back office, whom I never get any response from, ever. They have me wait and wait, for nothing.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (PA)

Im not sure of dates ... but I have disputed this account numerous times with all 3 credit report agencies wells fargo card services is on my credit report with a balance of {$3200.00} credit card limit being {$3300.00} i have absolutely no knowledge of this account. Im not sure if its fraudulent or a mistake. I did open a secured credit card with Wells Fargo in 2014 with a {$300.00} dollar limit but that was taken care of on my report. How can I get this removed and how can I figure out if it was fraud?