davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-29
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. (OH)

In the summer of XX/XX/XXXX two collection accounts from XXXX XXXX  XXXX XXXX appeared on my credit report. One was for the amount of {$110.00} and the other for {$5.00}. 
1. I had never heard of this medical facility, let alone did I remember ever visiting there. I hadnt even received a billing statement from them or been contacted by them in any way. 
2. It seemed particularly odd that, if this information was correct, I would have been billed for two varying amounts. 

I disputed this information with XXXX and it was promptly removed from my credit report. On XX/XX/XXXX, I filed a dispute with Equifax to have it removed from that report. To my surprise, they denied the dispute on XX/XX/XXXX. In addition to the bizarre circumstances under which this collection appeared on my credit report in the first place, it is even more unbelievable that it could be found inaccurate by one credit bureau but not by another. 

If XXXX determined that this information should be removed from my credit report, Equifax should be required to do the same.
Consumer complaint received 2019-05-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (ME)

I sent a fax to the compliance dept on XX/XX/2019. I was not informed the fax could not be read. I filed a complaint with he XXXX  of SC, in regards to this matter. The fax was to prove that I am under a medical hardship, and this account should not be in collections, as I previously spoke with the original creditor, yet the account was sold to various companies before going to collections. This is the most likely reason the notation was " lost '' in the shuffle. I have attached the fax sent to XXXX, as well as Resurgent. This is not a frivolous complaint. I have provided new and material evidence supporting my complaint.
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent letters to Lexis Nexis asking for proper verification of two bankruptcies that are on my credit reports. Lexis Nexis is in violation of the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) as it has not responded to my letter dated XX/XX/XXXX to date. Lexis Nexis has not been able to provide direct verification from the US Bankruptcy Court in Texas. I have a letter from the bankruptcy court stating they don't provide information directly to credit reporting agencies. ( see letter attached to this complaint ). In fact the credit bureaus state on their dispute reports that they use LexisNexis which is a third party to verify this information. Outside of getting dispute result reports back, Lexis Nexis has not sent me anything in regards to how exactly they are verifying this information that is on my credit report. I have asked several times and they are unable or unwilling to provide additional information. I am asking that Lexis Nexis remove this unverifiable information in regards to the two bankruptcies it is reporting.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
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. (DE)

I went to a car dealership and applied for auto loan, I also applied for some credit accounts and my credit was shopped around, I ended up with XXXX hard inquires. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FB FINANCIAL CORPORATION (PA)

I sent a PMI cancellation request via email on XX/XX/XXXX. The company auto-replied that it will respond within 30 days. A month passes without a reply or resolution. I called in on XX/XX/XXXX. Customer Service said they can not transfer me to the PMI department nor could they provide direct contact info. They advised they will put in a request for PMI dept to call me back within 48 hours. No one called back. I called in again on XX/XX/XXXX. It was the same situation. They validated the phone number and could not transfer me to the PMI department. The supervisor did not allow a transfer request. 

To my knowledge, they must respond within 30 days to request for more information or to deny my request. I did not get any request for more information. It is my understanding that they can not deny my request at this point without being in violation of the Homeowner 's Protection Act.
Consumer complaint received 2017-08-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (NV)

On XX/XX/XXXX I received a notice on my door advising I was going to be forced out of my home in 5 days ( letter was dated XX/XX/XXXX ) due to delinquent taxes not being paid. I called my Mortgage company on XX/XX/XXXX when they first opened to find out why they had not been paying my taxes out of my escrow. They coukd not explain why and said they needed the tax department to advise me and that someone would call me back. I never heard from anyone that say, so the bext say I went to the county tax department and discovered I was {$4500.00} delinquent on property tax and that the mortgage company hadnt paid my taxes in 3 years and that I had 3 days to pay in cash or I woukd be removed from my home! I called back to the mortgage company that day and asked to soeak to the tax department and they would not let me and again told me someone would call back. I waited that day and no one called! I called back to the mortgage company on XX/XX/XXXX and told them I coukd not wait any longer for them to do something because I was getting kicked out of my home in less that 48 hours. The Customer service rep advised me I coukd just pay the taxes if I coukdnt wait and they would reimburse me. So I took all of my savings and bill money and paid the county in cash to stop my hone from being confiscated. Since that date Ive made weekly calls to the mortgage company to seek the reimbursement they promised me and Ive been unsuccessful with speaking with anyone in the tax department or getting a supervisor to call me back. Finally after numerous attempts I was able to speak directly with a supervisor XXXX on XX/XX/XXXX. She advised me she was going to contact the tax department about the XXXX reimbursement and get back with me. On XX/XX/XXXX she advised me the tax department was not going to reimburse me for the delinquent taxes I paid because it shoukd have come out of my escrow and that they woukd only consider reimbursing me for the amount I paid in penalties and interest in the amount of {$1400.00}. On XX/XX/XXXX XXXX advised me I would only be getting {$900.00} instead of {$1400.00} because they could not verify a breakdown of what I paid even though I sent then ( on numerous occasions ) copies of the certificate of sale and certificate of redemption for what I paid, and it was all signed by the county clerk. So now Im reaching out to you all for some help! The Mortgage company ( Pacific Union Financial ) to daye has still been unable to twll me why they were not paying my taxes or how this all will be resolved.
Consumer complaint received 2020-05-06
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. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2019-10-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MI)

My husband and I were with another mortgage company. It was bought out by PHH Mortgage Services. We sent in one check to be applied to two loans with the company. After PHH had received three of our checks we received a notice in the mail about foreclosure on one loan. We called and talked to someone and they said it would get fixed. My husband was told that we had to submit another check for the other loan acct so we did. Next month after another notice of foreclosure showed up. When I tried calling they said i wasnt on the acct so i couldnt do anything until my husband called in to get this fixed. So he did and he talked to someone about fixing the issue of the supposed debt. PHH reps have told us over and over at least 20 times if not more that this will get corrected and it hasnt been corrected. I just spoke to a lady 2 weeks ago and she said we missed the first payment. Even though the other loan was paid. So upon talking to her she told me the payment for the default loan was just gone and there was no proof that the money was there to pay it. So i told her the check number and told her to look up the other acct and see what was paid toward that the first month. So she finally saw that there was extra money put on that acct. She said she would correct it. Well just today received yet Another statement from them saying we have a late charge applied to our acct. I have tried 4 times today to contact them and there is technical difficulties with their phone. I know our credit is being affected by this along with our home. We can't afford an attorney to take care of this and we shouldn't have to it is PHH 's Fault on this.
Consumer complaint received 2021-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (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 2020-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

I opened an account with XXXX XXXX XXXX, with two transfers from Wells Fargo XXXX. A transfer of {$100.00} to open a checking account, and a transfer of {$500.00} to open a savings account, about Wednesday of last week. The checking account was opened, but then, Wells Fargo withdrew the deposits on Thursday. The receiving bank does not have the money, and Wells Fargo can not explain where the money is. As far as I am concerned, Wells Fargo is committing financial fraud, and has literally stolen {$600.00}. And that money was deposited in cash, not credit or anything other than real money.
Consumer complaint received 2017-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

We purchased our new vehicle from XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX our credit union sent a payoff of the vehicle to the dealership. On XX/XX/XXXX we received a statement from Toyota Financial Services indicating we still owed the $ XXXX. I called Toyota Financial Services on XX/XX/XXXX and they informed me they had n't received a payoff from the dealership. I immediately called the dealership and was told they would email the Finance Director who would take care of it. On XX/XX/XXXX I followed up and found nothing had been done. I spoke with the Finance Director who assured me the check would be sent to Toyota Financial Services. They sent me a copy of the check and the tracking number. The representative at Toyota Financial Services could not find the check with the information I provided and instructed me to fax a copy of the check and tracking information to the escalation department which I did. She also suggested that if I did n't want it to affect my credit I should make the payment of {$760.00} which I found totally ridiculous. I was just contacted by XXXX XXXX XXXX and was told that the check has not cleared and they are sending me proof that the check was signed for by someone at the company. Now I 'm having to jump through hoops to try to track down this payment and have been told there is nothing that can be done re. my credit and that I would just have to dispute any negative marks. This unacceptable and should not be tolerated especially when I 've done nothing wrong. Please help,
Consumer complaint received 2020-09-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX I wired the sum of {$73000.00} to Bank of America, NA to pay off the HELOC loan for their customers. That payoff included a figure for recording of a discharge the HELOC at the local County Registry of Deeds. By law, Bank of America had 45 days from that date to record the discharge ( that means the discharge should have been recorded by XX/XX/XXXX ). Today, XX/XX/XXXX I checked with the Registry of Deeds and the Discharge still has not been recorded. It is now 52 days since Bank of America received the payoff funds and agreed to record the discharge of the HELOC at the local County Registry of Deeds. I called the Bank of America XXXX number and after waiting nearly one-half hour, I was told by the representative that the loan had in fact been paid in full and that the account had been closed out, but they could not discuss the issue of a discharge with me without written consent from the customer to me. This is obviously just a delaying tactic ; if the account has been paid in full and closed out, then the customer is no longer their customer. When I presented this logic to the representative, she repeatedly stated that I needed the customer authorization to talk to them about recording the discharge which they are required to do by law.
Consumer complaint received 2017-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OH)

Nelnet is refusing to assist me in completion of the forms needed to process the annual determination. Their own website is confusing so I have problems figuring out which payment plan is right for me. The plans offered are : Income-Driven Repayment Plans and Income-Sensitive Repayment. The explanation of the two do not coincide with these explanations : The Income-Contingent Repayment ( ICR ) Plan, Pay As You Earn ( PAYE ) Repayment Plan and Revised Pay As You Earn ( REPAYE ) Repayment Plan are for Direct Loans only. The Income-Based Repayment ( IBR ) Plan is for both FFELP and Direct Loans. 
Because of this I believe Nelnet has offered to mail me pre-populated forms in the past and now they 've declined and also have refused to accept my faxed signature page that they 've accepted in the past. I 've gone through telephone verification and uploaded tax documents yet they continue to pursue past due payments for {$600.00} when my payments were determined to be {$46.00} or so. They 've ignored requests to send me a pre-populated form so I can use the signature page only to give a physical signature. I think they are creating a hardship for me by the confusing language for the available plans ; ignoring already submitted documentation of income and household size in pursuit of a much higher payment ; no offer of forebearance while the newly needed physical signature page is required ; refusal to give me a pre-populated form to eliminate the mistake of applying to the wrong plan.
Consumer complaint received 2022-01-08
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. (PA)

Transunion ( " the CRA '' ) has committed multiple FCRA violations against me. 

Transunion has consistently stamped my disputes as " verified '' and " accurate '' without conducting reasonable investigations. The CRA has returned investigation results noted " updated '' with no updates. They have reported late payments on accounts of mine that are paid and closed. 

The CRA has violated my rights and completely ignored any procedural rules required by the FCRA. 

I have attached, in detail, an initial review of at least 10 accounts that should have been removed from my credit file because they were not corrected or updated. Instead, the CRA stamped these accounts " verified and " accurate '' and repeatedly re-verified as accurate, with absolutely no proof. ( see attached document ) Here are the violations I am seeking remedy for : 1. Failure to properly investigate my disputes 2. Failure to update, correct or delete inaccurate information on my Transunion report 3. Failure to disclose information to me that is relevant to the investigations 4. Failure to send me complete and accurate reports 5. Knowingly falsifying my credit report with negative information 6. Knowingly inserting late payments on accounts that were paid and closed 7. Failure to conduct a reasonable investigation 8. Extending the investigation period for me longer than legally permitted 9. Failure to consider and review all relevant information in my disputes 10. Failure to remove inaccurate unverifiable information
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Fraud alert placed on my account with XXXX. I Recognized inquiries on my report that I did not give permission to pull credit report. I Called the fraud department, the agent representative refused to investigate and delete unauthorized inquiries, although by law I have a right to an accurate credit report. 
The following are several inquiries transunion is allowing incorrect and unauthorized reporting to my credit. 
XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

IN 2019 MY PURSE INCLUDING MY PERSONAL INFORMATION WAS TAKEN FROM A EVENT. ON SITE AUTHORITIES WERE NOTIFIED. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I ALSO SEE SOMEONE ATTEMPTING TO ACCESS LINES OF CREDIT IN MY NAME, THERE ARE INQUIRIES FROM CREDITORS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I HAVE NOT GIVEN ANY CONSENT FOR THESE. I CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING VERIFICATION AND HAVE YET TO RECEIVE A FORMAL RESPONSE MAKING THESE ACCOUNTS UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY, AND I HAVE NOT GIVEN ANY WRITTEN CONSENT WHICH IS IN VIOLATION OF 15 USC 1681B ALSO FURNISHING ACCOUNTS TO MY PROFILE IN RESULT TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2020-09-21
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. (CA)

I called XXXX in XX/XX/2019 to update my address. Unfortunately it was not updated and I was over 30 days late on my Payment in XX/XX/2019. I contacted XXXX l, they apologized for the inconvenience and credited me the late fee of {$39.00}. They also said they would remove the 30 days late off my credit reports. I recently looked at a copy of my credit report and its still on there.