davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-01
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ( Date of Birth ) XX/XX/2022 Experian To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On ( insert date of report ), I retrieved a copy of my credit report from XXXX and discovered inquiries that I have no knowledge of. 

Because I did not apply for credit with any of the creditors, I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into all creditors inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if the creditors are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. There is XXXX inquires in all and I am attaching my credit report for you to validate Thanks in advance for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-09-04
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. (SC)

To Whom It May Concern : On XX/XX/XXXX, Equifax and XXXX are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For EQUIFAX 1. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule For XXXX 1. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 3. Validate Account XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft.I 've attached FTC report. Remove from my credit report immediately.
Consumer complaint received 2022-11-17
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. (MS)

YOU ARE BREAKING THE LAW!! It is illegal to furnish income on a consumer report! A charge-off, according to the IRS is defined as gross or ordinary income and income is not supposed to report on my consumer report! You HAVE NOT sent me a 1099C! 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.I demand you remove the following information from my consumer reports immediately ; XXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX for {$1100.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$27000.00}, XXXX opened XX/XX/XXXX for {$11000.00}
Consumer complaint received 2021-07-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (NC)

I was on the covid deferral. I spoke with someone on XX/XX/2021, who told me that my first mortgage payment after coming off the plan would be XX/XX/XXXX. I have sense spoke with 4 different people in regards to the bank stating I missed my XXXX and XXXX payment. I have also paid {$2000.00} on XX/XX/2021, that should have been applied to XXXX payment. They distributed {$1100.00} to XXXX and put {$890.00} in suspense, and are saying I owe XXXX and XXXX now. I advised that per the convo on XX/XX/2021 my mortgage shouldnt be due until XX/XX/XXXX and the rep advised she was sorry that I was told that and that we are human and make mistakes but that isnt true. If I was told this and it is recorded, why is this not being honored. Now I am worried that my home is going to be foreclosed on and This is going to impact my credit file.
Consumer complaint received 2020-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

I have sent NCA two letters, one on XX/XX/2020, and the last letter on XX/XX/2020. The verification is needed for the debt totaling {$1400.00}. The company has failed to respond to verify.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

This all started on XX/XX/year>. I had a business account through XXXX and I would run at least 3 ads that year, which I used my Chase business credit card. On XX/XX/year>, XXXX permanently closed all of my accounts, personal and business for good. I no longer had access to any of them. When I went to make a payment on my Chase business, there were a total of 34 transactions from XXXX Ads starting on XX/XX/year>. I immediately called Chase and asked why these charges were not caught in advance and their response was that they do not monitor the account and that it is my responsibility to catch these. I immediately cancelled the card and disputed the charges. She removed all the transactions. I thought this was taken care of until I went to pay on the next statement and Chase had put all the charges back on my account. Their reasoning was because XXXX told them that they had my name and email ( which XXXX requires this information in order to set up any type of account ), therefore it was me authorizing these charges. In my continue fight to explain that I had no access to XXXX as of XX/XX/year>, I could have not been able to authorize 34 transactions. So, I had to re-dispute the charges and write a letter to Chase dispute. I sent them my dispute, the email I sent to XXXX inquiring about my account on XX/XX/year>, and the screenshot I told of the only explanation XXXX gave me when trying to access my accounts. After many weeks of waiting and calling, Chase credited 2 transactions that totaled {$30.00} and I was told the rest of the charges are my responsibility because again, XXXX had my information even though I showed proof that I didn't have access to XXXX XX/XX/year>. Chase explained that these charges didn't look like fraud to them, even though I never had any type of activity like this since I have been with Chase. I asked how do I continue to fight these charges when I know for a fact they were not me. Chase said they would have to have it come from XXXX that these were fraud charges. I have tried contacting XXXX my email and they do not respond and they do not have a phone number to where you can actually talk to a live person. I have closed my account with Chase since I can no longer do business with a company like that and also was forced to pay for these charges so I wouldn't collect interest and/or eventually ruin my credit. I am asking that someone please help because I don't know what else to do and feel like a victim who can't receive justice.
Consumer complaint received 2021-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have submitted a pervious complaint in regards to this matter, now on top of the XXXX they initially took, my account is now overdrawn by {$160.00}. I would like my account to be refunded the overdraft fees they have charged me. this is ridiculous. They continue to charge me overdraft fees, when they are the reason my account is overdraft. This is ridiculous. I am attaching the screenshots of my account to this complaint.
Consumer complaint received 2021-05-04
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. (FL)

To whom it may concern, I am writing this complaint because I have been bullied by the credit bureaus. I have been trying to dispute with the creditors ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ) and credit bureaus ( XXXX, Transunion, and XXXX ). All three Beurues have been unresponsive and have failed to properly verify my information with the creditors. I just finished getting off the phone with XXXX  and I was told that I had no idea what I was talking about and that their responsibility as a credit reporting agency was not to verify the information by the creditor but to report the information that the creditor had on file. That to me was a slap in the face. I need help with these monster companies. I have specific documentation attached to this complaint that shows that I have tried everything with these companies and have gotten no responses. Please help me. I am frustrated and tired of being taken advantage of by these companies. Like I mentioned before, XXXX, Transunion, and XXXX do not verify my disputes and they refuse to verify my hard inquiries as well. 

Please reach out if you have any questions. 

XXXX XXXX XXXX
Consumer complaint received 2021-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

XX/XX/2021 : Principal payment of {$20000.00} was not credited to my mortgage account until XX/XX/2021. Amount was withdrawn from my credit union on XX/XX/2021. 

XX/XX/2021 : Principal payment of {$20000.00} was not credited to my mortgage account as of XX/XX/2021. Amount of {$20000.00} was withdrawn from my credit union on XX/XX/2021. Wells Fargo continues to accrue interest on outstanding balance.
Consumer complaint received 2021-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2020, I sent a letter to XXXX XXXX regarding two inquiries on Transunion under their named. They reply that the inquiry will be removed as a hard inquiry to a soft inquiry. And the request was submitted to the credit agencies on XX/XX/2020, and per the letter sent on XX/XX/2020 ; it could take up to 60 days for processing. On XX/XX/2020, I sent the letter to Transunion requesting to remove those inquiries ASAP. However, they didn't reply back. Kindly see letter of XXXX XXXX attached.
Consumer complaint received 2021-02-01
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)

I just do everything on my credit report big except it was my student loans my student loans no no erase every last one of my student loans due to my XXXX and XXXX  Trans Union and XXXX us laugh did not report my right score all my credit report after youre still loans was erase
Consumer complaint received 2021-02-01
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. (PA)

I just do everything on my credit report big except it was my student loans my student loans no no erase every last one of my student loans due to my XXXX and Equifax XXXX XXXX and XXXX  us laugh did not report my right score all my credit report after youre still loans was erase
Consumer complaint received 2017-12-18
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. (TX)

Equifax continues to violate the FCRA by submitting unverified information to my credit file without my knowledge. I have recently had an unverified item deleted from my Equifax credit file and it was reinserted without my knowledge. The information still has not been validated or verified by Equifax, yet they have allowed a third party collection agency that is operating Illegally to submit this information to my file. The third party company XXXX XXXX XXXX is operating illegally because they are not licensed in the State of Texas as a Collection Agency. Despite all of these things Equifax, still reinserts the information to my file without my knowledge, and knowing that it has already been previously deleted for not being valid.
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (NC)

This is a formal complaint regarding these items that have been violating my consumer rights to privacy and confidentiality under 15 USC 1681 section 602 A and the HIPPAPrivacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160,162, 164. A consumer reporting agency can not furnish account without my written permission under 15 USC 1681 section 604 A Section 2. 
The list of accounts below has violated these rights. 
XXXX XXXX ( Only reported to XXXX ), XXXX XXXX XXXX XXXX ( Only reported to XXXX & Experian ), XXXX XXXX XXXXXXXX ( Only reported to XXXX & Experian ), XXXX XXXX XXXX, ( Only reported to XXXX & Experian ) XXXX XXXX XXXX ( Only reported to XXXX & Experian ), XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX ( Only reported to XXXX & XXXX ), XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Only reported to XXXX & XXXX )
Consumer complaint received 2021-02-06
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ZuntaFi Corp (TX)

I received a letter from the ZuntaFi company about how my student loan servicer has changed to them and not XXXX. I am currently up to date and paying my student loans with XXXX. The account manager XXXX XXXX, stated that I owe {$17000.00} and if I pay {$3500.00} my student loans would be paid in full. I told her that I am paying my student loans with XXXX and have no other federal or private student loans. She insisted that I was wrong and has been sending me letters, emails, and threatening to damage my credit. I have confirmed my student loans with XXXX and the Federal Student Aid ( government ) website. None of this information she has is correct. She mailed me my original promissary notes, that has been refinanced with XXXX. I am still paying them off. I have asked her to stop contacting me and to cease all communication and harassment. I would like to report her ( XXXX XXXX ) and the company ZuntaFi Corp XXXX XXXX XXXX for illegal business practices and scamming. She has sent me a letter stating that she will send the dispute to the credit reporting agencies and may take up to 30 days of longer to update the reports. There address is XXXX XXXX XXXX XXXX XXXX, SD XXXX. Please look into your student loan balances on the Federal Student Aid website to very all student debts owed. If I didn't do this, I would have paid {$3500.00} on a debt that I am still paying on. Please be careful out here.
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (LA)

IN XXXX AND XXXX OF 2023 I CONTACTED VANCE ABOUT INACCURATE CREDIT REPORTING. THEY HAVE FAILED TO REPORT THE ORIGINAL CREDITOR OR ACCOUNT NUMBER MAKING IT IMPOSSIBLE FOR ME TO VALIDATE THE DEBT AFTER THEY HAVE CHOSEN TO IGNORE MY REQUEST. THEY ARE REPORTING OUTSIDE OF COMPLIANCE AND HAVE EVEN LEFT SOME INFORMATION BLANK FILLED THAT SHOULD BE REPORTING COMPLETELY AND ACCURATELY. PLEASE HELP ME. ALL PARTIES HAVE FAILED TO PROTECT ME AND I READ YOUR ARTICLE WHERE YOU ARE READY TO HELP ALL CONSUMERS BEING TAKEN ADVANTAGE OF BY DEBT COLLECTORS.
Consumer complaint received 2022-04-27
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. (NC)

This is a formal complaint regarding these items that have been violating my consumer rights to privacy and confidentiality under 15 USC 1681 section 602 A and the HIPPAPrivacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160,162, 164. A consumer reporting agency can not furnish account without my written permission under 15 USC 1681 section 604 A Section 2. 
The list of accounts below has violated these rights. 
XXXX XXXX ( Only reported to XXXX ), XXXX XXXX XXXXXXXX XXXX ( Only reported to XXXX & XXXX ), XXXX XXXX XXXXXXXX ( Only reported to XXXX & XXXX ), XXXX XXXX XXXX, ( Only reported to XXXX & XXXX ) XXXX XXXX XXXX ( Only reported to XXXX & XXXX ), XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX ( Only reported to XXXX & Equifax ), XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Only reported to XXXX & Equifax )
Consumer complaint received 2024-03-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (OR)

My Loan Servicer Nelnet will not take my payments on the student loan towards the SAVE plan.

This is what happens : 1. I submit a payment on Nelnet 's online website, which my bank account is mapped to.

2. I get a confirmation of pending payment from Nelnet in an Email.

3. I check on the following days to see if the payment is applied, and the pending payment disappears from the website, and nothing comes out of my bank account.

3. Nelnet registers the payment as missed when the due date passes, and my total loan keeps going up in balance. This happens every month since XX/XX/XXXX. 
4. I can never get through to Nelnet when to get to the bottom of why they will not take my payments. They flat out ignore my payments. They give me a confirmation, and then never try to take the payment from my XXXX XXXX bank account. 

In the attachment you can see some payment confirmations that I have received, but the payments never go through.
Consumer complaint received 2022-04-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

Hi I called loan care who services my loan which transferred me to lake view who has my mortgage. They gave me the runaround but finally sent me to someone who was supposed to help answer questions regarding refinancing. This man was really agitated and said it didnt matter what questions I had because I would not be able to qualify because I am on forbearance. I let him know, I know but I was asking for the future once I was making my payment, so I can remove privarte mortgage insurance in the future. He said I should worry about making my payments and would not answer any questions regarding refinancing. I told him I needed this information to make an educated decision on wether I was going to do a partial claim or modification when my forbearance ended and he said to just pay my mortgage on time, or I wont qualify for anything. This call was done XX/XX/XXXX XXXX Ca time and the entirety of the call including being transferred was XXXX minutes.
Consumer complaint received 2021-09-04
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. (TX)

Good morning, XXXX failed to notify all 3 major Credit Bureau ( XXXX, XXXX  and Equifax ) that the account is now {$0.00} and is closed. Ive filed a dispute with all 3 Credit Bureaus but the account remained open showing a balance. Im approved for the Public Service Loan Forgiveness that erased the entire debt! XXXX sent a letter stating approval and showed the account is {$0.00} but did not notify the 3 Credit Bureaus.
Consumer complaint received 2021-05-04
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. (LA)

remove : fcra violaitons XXXX XXXX XXXX I XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX I XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX I XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX  Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Consumer complaint received 2021-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (FL)

I was charged interest fee of {$26.00} and I always pay my credit card in full and also it is set as autopay. 
I tried to reach them and they told they can waive the fee, and also they know that was not my fault, so that doesnt make any sense for me. 
They said it was not my fault but they dont wan na give my money back. 
Id like the refund since I always paid my credit card in full.
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (MO)

Guess this new company bought this from someone if it is spectrum I never have had thier service I have XXXX XXXX if it is another company I have no knowledge of this keeps popping back up after it was removed the dollar amount has been the same