davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed. Additionally, some of these accounts are more than 10 years old and has to be removed per the FCRA laws.
Consumer complaint received 2019-11-02
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)

Experian, XXXX and XXXX have been sent 3 three disputes about the inaccurate accounts : 1. XXXX XXXX 2. XXXX These inaccurate items do not give me a fair and accurate credit report according to the Fair credit reporting act.
Consumer complaint received 2019-06-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TN)

Spoke with my mortgage servicer today, the additional documents and information that was requested XX/XX/2019 was submitted on XX/XX/2019. I was told by XXXX XXXX, Wells Fargo Customer Service Representative stated XXXX XXXX, the Relationship Manager received documents and verbal information by email and the file would be sent to underwriting. Today I was told by Wells Fargo Customer Service XXXX XXXX my file has set on the Relationship Manager desk and was never submitted to underwriting. They have not postponed the property foreclosure sale set for XX/XX/2019. I'm disappointed should I loose my home because Wells Fargo isn't processing my mortgage modification request, is this a practice to make the homeowner loose their homes by not updating the file with requested information.
Consumer complaint received 2019-11-02
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)

XXXX XXXX and Transunion have been sent 3 three disputes about the inaccurate accounts : 1.  XXXX XXXX 2. XXXX These inaccurate items do not give me a fair and accurate credit report according to the Fair credit reporting act.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NJ)

Navient has been servicing both my XXXX and XXXX student loans, but they keep changing payment methods descriptions, such as XXXX or zip code. My payments are setup to take place monthly via my bank account, so the payments go out ( and can be accounted for ) but the payments never land in the account where they should be paid. XXXX account will get over payment and another account will get no payment. Then they harass me about late payments, of which I resolve and explain their error and fix it. Then it just happens again. This has been detrimental to my credit.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-02
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)

I have disputed three ( 3 ) accounts with Equifax, XXXX and XXXX   on four ( 4 ) different occasions. Each of these accounts are false/inaccurate and each credit bureau has not corrected the issue.

1. XXXX 2. XXXX  XXXX 3. XXXX XXXX These are multiple violations of the fair credit reporting act.
Consumer complaint received 2020-10-22
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. (PA)

The following accounts are reporting Trunicated accounts : Alleged creditor reporting item : XXXX, XXXX  & TRANSUNION Alleged Account at issue : XXXX  XXXX  XXXX ( XXXX ), XXXX   XXXX  ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ( XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ), ( Original Creditor : XXXX ) ( XXXX ) Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information. ALL claims, true or not, must be proven to be currently and fully TRUE, CORRECT, COMPLETE, TIMELY, of my OWNERSHIP, of my RESPONSIBILITY, and or compliant to all applicable reporting laws and requisite standards, which is currently the FCBA, FCRA, FDCPA, METRO 2 COMPLIANCE STANDARDS and others.Per laws and requisite reporting standards, you or any entity are in infringement of my rights. Should you continue to retain and/or report any chicanery-based subterfuge even upon my declaration of a composed consumer complaint, therefore, eradicate immediately and in entirety any and all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant. 

**Please in addition eradicate any, if it even exists, claims of inquiry ( s ) associated with the above indicated illegally reported derogatory information.Per CDIA definition of YOUR electronic verification process, E-OSCAR, & quote e-Oscar is a web based, METRO 2 COMPLIANT, automated system ... & quote ; and I do and will CONTINUE to expect you to be able to PROVE just THAT in the LEAST.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX XXXX, 2017 I called Collection agency : XXXX XXXX XXXX. I had informed the Collection agency that I do not feel that I should have to pay a debt to a collection agency that I never signed a contract for. The collection shows on both my XXXX and Transunion Credit report. I filed a dispute with all 3 credit bureaus and it has been recently removed from my XXXX credit report. I would like for the collection account to be removed from my Transunion and XXXX credit report. It is very hard for me to lease an apartment or house in my name due to this account showing on my credit report.
Consumer complaint received 2018-09-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On or about Sunday, XX/XX/2018 I lost my wallet. It was left in a car that I rode in. I got my wallet back in my possession on or about XX/XX/2018. I notified my bank that I had some charges on my account that I do not recognize. Two from XXXX on my USAA account and one on my XXXX XXXX card. This total from XXXX on my USAA account was {$580.00}. USAA denied the claim and stated I made the transactions. I immediately filed a police report and sent it to them to reevaluate the claim. I called today, Thursday, XX/XX/2018 to get a update and I was told they are sticking with the decision and I am to be held liable for the changes.
Consumer complaint received 2018-09-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (SC)

XXXX XXXX is a collection agency that continues to report an account that is a result of identity theft. I did authorize the account they're are attempting to collect nor do I own or have the vehicle connected to this debt. I have submitted an identity theft report and disputed the account as fraud with the credit bureaus but XXXX XXXX continue to verify a debt they have not and can not validate with my signature in a contract owning up to this debt. it has caused me damages and continues to ruin my credit and defame my character.
Consumer complaint received 2018-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Portfolio Recovery is reporting a debt that is a result of fraud. I have made the original creditor as well as the collection agency aware of this fact. I also took the necessary steps to file an identity theft report with the FTC and forwarded to all 3 bureaus and the account holder. Yet they continue to report this negative and harmful item on my credit report. the balance, status, and payment history is inaccurate and I'm not responsible for paying a debt amount I did not add or owe. They have not updated my account properly and I'm to the point where I don't know what else to do to clear this up. i know it's a violation of the FCRA to report any information that is inaccurate, incomplete, or unverifiable. This account is all of above. the only thing they can prove is that someone assumed my identity to open this account and forged my name on whatever contract that was formed
Consumer complaint received 2023-01-31
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: First Federal Credit Control, Inc. (FL)

I filed a complaint on XX/XX/2023 with First Federal Credit control in regards to XXXX separate collections they have been reporting on my credit report. They stated they would send me the requested documentation of my debts for {$560.00} and remove the collection for {$300.00} as they couldn't provide documentation I requested. However, i have not seen the one for {$300.00} be removed and the documentation that was sent to me for the debt of {$560.00} was not complete. The breakdown that was sent does not show any proof as to what was paid and what was not. What portion of payments went to what and what is still outstanding. I would like this in detail as well so I'm able to verify what is outstanding and what's been paid for already. 

I requested proof of my authorization given to you by the original debtor and was NOT provided this. I am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request was twofold -- validation of debt and XXXX authorization. I asked for you to Provide a copy of my signature with the provider of service to release my medical information to you and you did not provide this. 

If you are unable to provide all requested documentation then you are not following proper the FDCPA. 

So again, I request documentation of my original signed authorization from the provider of the service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it XXXX be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent, XXXX. I will await your reply with the above requested proof. Upon receiving it, I will respond by certified mail. 

If you are unable to provide what I'm requesting in full I will expect to have the debts REMOVED from my report.
Consumer complaint received 2020-10-12
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE ()

I would like to bring your attention to a serious issue I have with Western Union wires that first took place on the XXXX of XX/XX/2020 to a FRAUD SCAM Broker : XXXX XXXX XXXX. 

I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX XXXX - the XXXX. 

The funds were transferred utilizing Western Unions services in the total amount of XXXX EUR! I would also like to point out that on the XXXX of XX/XX/2020 - I filed a dispute with Western Union. 

My money was not in use for any actions ; it was simply transferred to the owners wallet account. Since I did not purchase anything and I did not invest in anything, my money was not in use for anything, and it was simply pocketed by the beneficiary account holders. 

With the worsening situation of the COVID-19 in XXXX, I am very worried, as these scammers have affected my well-being and my hard-earned money. I have financial hardship and I am finding it difficult to meet my obligations. I need to get back all the money that XXXX XXXX   XXXX has taken from me. 

These types of scam operations are ruining people 's lives. Nobody has acknowledged me as a victim. All my savings were stolen, depleted due to the Western Unions unlawful conduct. Western Union has not acknowledged me as a victim. It seems like the bank and the scammer think that what happened to me was OK and I should take all the responsibility for being scammed. 

All I wanted was to be able to afford to put a deposit down on a home for my family. I was vulnerable, alone, and had never made an investment in my life until I was defrauded.
Consumer complaint received 2020-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (AL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Lane Bryant XXXX XXXX XXXX XXXX, OH XXXX Dear Credit Department I am writing to you today regarding my credit card account XXXX. The purpose of my correspondence is to see if you would be willing to make a goodwill adjustment on the reporting of this account to three credit agencies. During the period of the late payment XX/XX/XXXX. XX/XX/XXXX, I was diagnosed with XXXX XXXX. XX/XX/XXXX. 
During this period, this account was established and had was extremely happy with the service, however not the ideal customer. With the mistakes with my handling of the account, my record-keeping failed to comply with the company and I take full responsibility. When obtaining my credit report, did not realize the impact of my credit score.  At one time I had good to fair credit. 

Knowing payment was my responsibility and I am not attempting to justify this breach of my user agreement, requesting Lane-Bryant to review the circumstances under which this non-payment occurred and reconsider removing the negative trade line associated with this account from all three credit reports. 

As soon as I became aware of the balance, contact was made and will pay the unpaid balance in full. I provided this not to justify why the account became delinquent, but rather to show that the issues with Lane Bryant are not a good indicator of my actual creditworthiness. Please consider working with me on erasing remarks on my credit reports. 

I would like to STRESS the information reported is accurate ( not disputing anything with Lane Bryant am simply asking for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report. I do recognize this is a unique request. Please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account of its chooses from the credit report. Im praying this request will be granted for this account. 

Your kind consideration in this matter is greatly appreciated. 
XXXX XXXX
Consumer complaint received 2023-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

I have been making payments to Navient through the XXXX XXXX XXXX in the monthly amount of {$67.00}. Every year I do apply for the renewal which includes the current income at the time of the application. In my application dated XX/XX/XXXX, my pay stubs showed an increase of my salary from {$38000.00} to {$43000.00}. This is an increment of {$5000.00} which represents 13.1745 % increase from the previous salary. I have explained to Navient this simple math by applying 13.1745 % of {$67.00} which will result on an increment of {$8.00}, therefore my new IDR payment should be {$76.00} and not the amount being asked by Navient of {$110.00} per month which represents an increase of 63.8683 %. My increase of salary is 13.1745 % not 63.8683 %. I have made contact several times with Navient customer service since XX/XX/XXXX with no resolution by them. Also, I have written 2 letters, being the last one on XX/XX/XXXX.
Consumer complaint received 2020-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (UT)

i refinainaced a mgt and loan was paid in full XX/XX/XXXX i waited for escrow refund check which never arrived. i have placed many calls into to find out where check is with call dates and NO follow back from them. calls were placed on : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX ( hung up on ) XX/XX/XXXX ( with MGR ), XX/XX/XXXX, XXXX, XXXX ( with mgr ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( with mgr ) XX/XX/XXXX was told check was cashed by someone else on XX/XX/XXXX i have sent in Affidavit of Unauthorized endoresment or atlered item on XX/XX/XXXX and was told check will be reissued and has NOT been. today was told would take XXXX months and still might not get escrow refund back.
Consumer complaint received 2020-10-12
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. (MS)

Contacted the XXXX in regards to civil report filed on my credit report, I submitted the supported documents needed to help the matter. Instead after a few days of researching TransUnion XXXX XXXX XXXX   reported back that the civil matter was indeed accurate but also noted that the matter was dismissed which doesnt show on the report like they stated it would! This information is hurting my rental approval because instead of deleting the report ; they fail to update the matter where it shows the case was dismissed/thrown from court
Consumer complaint received 2018-09-19
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. (NY)

My credit report included fraudulent student loans that were unpaid. I filed a police report and sent a letter to equifax. ( My information was included in the equifax breach in XX/XX/2017 ) They sent a letter back that says they have investigated and found the loans to be mine. That is ridiculous as the person who took out the loans did not have my current address, my current email or my current phone number. They only had my social security number and old addresses - I found this out when I called each university. I am working to discharge all 3 loans with the universities but equifax should be able to remove these from my credit report in the interim.
Consumer complaint received 2020-08-19
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. (CA)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$20000.00} XXXX {$4000.00} XXXX XXXX XXXX XXXX {$7300.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXXXXXX {$900.00} XXXX XXXX XXXXXXXX {$320.00} XXXX XXXX XXXX {$500.00} XXXX XXXXXXXX {$120.00} XXXX XXXX  XXXX {$460.00} XXXX XXXX XXXX {$9400.00} XXXX XXXX {$800.00} XXXX XXXXXXXX XXXX XXXXXXXX {$1100.00} XXXX  XXXX {$8200.00} XXXX XXXXXXXX {$3300.00} XXXX XXXX {$420.00} XXXX XXXX XXXX {$11000.00} XXXX XXXXXXXX {$500.00} XXXX XXXXXXXX {$900.00} XXXX XXXX {$3700.00} XXXX XXXXXXXX {$1700.00} XXXX XXXX {$8100.00}
Consumer complaint received 2020-10-12
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: American First Finance, Inc. (GA)

On XXXX XXXX, a report on my credit appeared On my XXXX XXXX   app about a loan I never received nor even applied for. I immediately disputed it and it was not removed. After numerous attempts to dispute and not clearing it, I called the company who supposedly issued the loan and made no progress over the phone regarding whats happening.