davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-22
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)

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 below. 

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 ( Original Creditor : 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 and XXXX XXXX XXXX
Consumer complaint received 2019-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (UT)

I have overpayments being directed to my lowest interest loans instead of my highest interest loans, which is contradictory to my overpayment Directions. This is causing me to not get the full benefits of my overpayment.
Consumer complaint received 2019-08-22
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. (CA)

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 below. 


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 ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX   ; XXXX XXXX ; XXXX XXXX and XXXX XXXX XXXX ;
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (FL)

There are five unauthorized inquiries on my credit file from XXXX. I have contacted the company in the past to inform them about the matter but I never get a response. I have no business with company and they shouldnt be accessing my credit file.
Consumer complaint received 2020-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. ()

I am a foreign citizen and I don't have a social security number. I took a mortgage from XXXX in XXXX, where I have a company. 
Some years ago XXXX transferred my mortgage to MR.COOPER. Then started a real nightmare. The company did not aloud foreign citizens without social security number to have a web account. So it was very difficult to have an Auto Pay but after several months I got it. 
At the beginning of this year with the pandemic situation, MR COOPER offered 3 months of suspended payments and I accept it. After these three months I called to autorize the Auto Pay again. They said it was impossible to do it by phone. I am outside the country and explained that. They follow the rules and kept saying that. So I start to have problems with the payments. Every month I need to call. Sometimes they charged late fees and sent threatened letters. I kept calling trying to fix this. Last time they send me a form and ask to enclosed a voided check from my Bank. I could not do it. I am out of the country, I can travel, but they are worried with my problems. 
I can't believe the USA Government keeps a company like that working in the financial market. They should be prohibited to work with foreign citizens or to take their mortgages. In a Global Market like actually we can't accept this kind of treatment. Please help me!!!
Consumer complaint received 2022-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XXXX of XXXX I was in a car accident. They representative asked me for all my info for the car and I had sent a payment for that current month due. I did not know any better given the fact I had purchased XXXX coverage I thought I was going to be fine. Insurance claim for the other party paid car and I was then claim and coverage would pay off the car, leaving me with no car and they were paid then I received notification my credit showed it as profit and loss for an unknown amount. Then out of nowhere I received a XXXX check from XXXX XXXX XXXX and now they report it as negative and had I had all the documentation I would of taken care of this then, I was left with no vehicle this ding on my credit report and they have never sent me the documentation of the end result of my car note.
Consumer complaint received 2020-12-03
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: SYNCHRONY FINANCIAL (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, SYNCB add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my THIRD DISPUTE LETTER Recently I reviewed one of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. Some accounts that are being reported does not have account numbers, which can indicate fraud. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

When I filed for bankruptcy, my lawyer included my car loan in the bankruptcy against my directions. The loan was paid in full. I have the title and the letter from the bank that states these facts. I have filed a dispute with Experian and they still have not changed the info on my credit report. This is very, very unfair. I paid the loan off either on time or maybe 1 month late. I am not sure. Please Help!
Consumer complaint received 2021-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Fidelity Services, LLC (AR)

XXXX XXXX XXXX in the amount of XXXX from Midwest fidelity service. This is not my debt. I told them that I never lived at that address and I lives in XXXX XXXX at the time of this incident. The constant call and Harassed me over this.
Consumer complaint received 2020-12-03
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: JPMORGAN CHASE & CO. (WA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, XXXX - WASHINGTON add a hard inquiry on my credit report per XXXX The report does not include information about the creditor. On XXXX. XXXX, 2019, JPMCB - CARD SERVICE add a hard inquiry on my credit report per XXXX  and XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-12-03
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: AES/PHEAA (OH)

On XX/XX/2020 I submitted a letter to Fedloan Servicing that I would like to make arrangements to settle the referenced matter. 
I asked them to provide me with a statement of the amount owing as of together with their assurance that they will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. On XX/XX/2020 I was provided with what was owed but not the what I asked for which was the the original instrument of indebtedness in its original form. 
On XX/XX/2020 I sent them a follow up letter where I stated It is apparent that you have overlooked or ignored my request to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form. 
Accordingly, unless I receive your written confirmation that you will accept payment from me in consideration of your delivery to me of the original instrument of indebtedness in its original form within 30 days I will conclude that they are either unable or unwilling to comply, and I will thereafter consider the matter between us to have been legally and financially settled. They never responded. I then sent this to all 3 credit bureaus who all said the debt was " verified ''. They did not do any due diligence. These are being reported incorrectly and should be removed.
Consumer complaint received 2021-10-11
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION (DC)

I have received via US Postal Mail, a letter from SunTrust dated XX/XX/XXXX. I objected to the response for the following reasons : A. I sent, an email, a full loss mitigation application to SunTrust on or at XX/XX/XXXX and XX/XX/XXXX. To date, SunTrust hasnt decisioned, replied to, acknowledged, or processed that loss mitigation application.

B. The loss mitigation application submitted again to SunTrust on XX/XX/XXXX via email has similar treatment by SunTrust-It hasn't been acknowledged by or processed by SunTrust. 

C. The XX/XX/XXXX from SunTrust letter seeks to reply to both a QWR/NOE/RFI to SunTrust AND request that I submit a new loss mitigation application without replying to or decisioning the XX/XX/XXXX application as deficient, declined, adjusted, modified, or any activity of the same. 

D. SunTrust. on XX/XX/XXXX, notes that my documents submitted for loss mitigation are over 90 days old BUT SunTrust doesnt provide a reason why it hasnt processed the loss mitigation application timely or acknowledged receipt or anything. SunTrust is defiant of and not complying with CFPB rules for processing loss mitiation and defied the XX/XX/XXXX CFPB rules on processign loss mitition applications. 

E. Since SunTrust has determined that I do not have to pay Mortgage Insurancde Premium, ( MIP ), I wish to know if the desk review noted by your lawyers that asserted that the loan isn't like to be approved for loss mitigation options, included the deletion of MIP as part of the payment declaration. Secondly, since I asserted as part of the QWR, that that item should have been deleted as far back as XXXX, will SunTrust recover such amounts and adjust the escrow and payment matters.

F. SunTrust denied and would not delete negative credit information from credit agencies and is in direct opposition of the CARES Act and Presidential Executive Order as well as Executive Order of the Mayor of DC. 

G SunTrust hasnt addressed all of the items noted in my QWR/RFI/NOE and the same is attached for your review together with documens and declarations to the same of your review. Please comply with the QWR duly submitted.

H. SunTrust asked its lawyers, contrary to a representation to the Superior Court of DC, that they would remove my loan from loss mitigation contrary to CPFB rules, and inferred that they would start foreclsoure proceedings in defiance of an order not to do so by the Mayor of DC.
Consumer complaint received 2021-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2021-05-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (WA)

someone hacked into my XXXX  and created a Xoom account, I have never had/used xoom prior to the incident that happened on XX/XX/2021. someone wired money to themselves in XXXX in the amount of {$240.00}. I did not authorize the transaction XXXX. When I went to check my email someone created this Xoom account at XXXX XXXX  PST and made the transfer at XXXX XXXX  pst. By the time I went to log in and change my password this transaction had gone through I tried calling Xoom and was on hold for over an hour and still no answer I have called multiple times since then but its the same thing. I have emailed them and they denied my claim as a fraud because " The transaction ( s ) claimed as unauthorized are consistent with historical records ''. But I don't know what historical records they're referring to when I have never used this company and I didn't have an account through Xoom. I currently live in Washington and the login for Xoom was first made in Arizona. After XXXX  I saw that many others had this situation happen to them as well. I am now getting email that they're trying to collect a debt in the amount of {$240.00}
Consumer complaint received 2021-05-01
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. (FL)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2019-08-22
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. (HI)

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 below. 

XXXX XXXX XXXX
Consumer complaint received 2019-08-22
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. (HI)

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 below. XXXX XXXX XXXX
Consumer complaint received 2020-12-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account # XXXX Transworld Systems Inc is on my credit report about an alleged debt that I owed. Due to Transworld Systems Inc, has not responded to non of my letter 's that I've have written to them about this debt. I've have not gotten any type of verification that this debt is mines. I've gave them long enough to respond and correct this alleged debt. I've will provide all letter 's that have been sent to Transworld Systems Inc.
Consumer complaint received 2020-12-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hi good day this was a paying account I got my car reprocessed due to the covid struggle in I happened to make a payment in for some reason the bank tough it was false transaction in turned back the check but was over XXXX in the bank to cover for the check had problems with the bank account at the time in my belongings that was built in to the car i wasn't given back in they reprocessed the car wrongful cares is in affect till XXXX XX/XX/2029
Consumer complaint received 2019-08-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (HI)

Please reverse the late payments reported on the following accounts : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX  ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.