davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-18
Product: Credit card or prepaid 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: CITIBANK, N.A. (CA)

XX/XX/XXXX Re : XXXX Continuing Dispute Dear Billing Disputes : Attached is a copy of your letter of XX/XX/XXXX and its attachments which included XXXX XXXX XXXX response in my favor as well as my initial dispute letter of XX/XX/XXXX. I have signed you letter of XX/XX/XXXX and returned it with my response as I continue to dispute the charge of {$1400.00} on my XXXX XXXX statement. 
I checked in on XX/XX/XXXX and was going to leave on XX/XX/XXXX XXXX XXXX swiped my card when I checked in for a total of {$1400.00}. But I stayed an additional day and checked out on XX/XX/XXXX and gave the desk person my card and was charged for {$1600.00}. The amount of {$1600.00} is the final bill. The {$1400.00} has disappeared from the XXXX XXXX system since it was NOT the final bill which was for {$1600.00} which I have paid and have received a receipt for on the day of check out on XX/XX/XXXX as well as another receipt emailed to me on XX/XX/XXXX from the XXXX XXXX which is attached. 
{$1600.00} was the total bill for the stay with a check in date of XX/XX/XXXX and a checkout date of XX/XX/XXXX. 
I called XXXX XXXX, Front Office Manager, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX California XXXX on Saturday, XX/XX/XXXX. XXXX XXXX, Front Office Manager, explained the final bill and the only bill owed was for {$1600.00} and has been paid. XXXX XXXX said my dispute is with AT & T Universal Card ( owned now by Citi Cards ) which has NOT corrected the credit card statement. 
Please re-read XXXX XXXX, Front Office Manager, letter, faxed XX/XX/XXXX to AT & T Universal Card ( owned now by Citi Cards ) see Citi pages 3-10 and remove the charge of {$1400.00} from my credit card bill. 
I am sending a copy of all this correspondence to the Consumer Financial Protection Bureau as my complaint.
Consumer complaint received 2022-07-19
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. (LA)

It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; US SM BUS ADMIN ODA - Inquiry Date : XX/XX/2020 ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX  XXXX, LA XXXX ; XXXX - Inquiry Date : XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX - Inquiry Date : XX/XX/2020
Consumer complaint received 2015-06-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc (TX)

I noticed a collection from Hunter Warfield on my credit report. I sent them a validation letter. They responded with a letter stating, at this time they do not have enough information to validate the debt and therefore ceasing all collection activity AND reporting. It was then removed from XXXX and XXXX XXXX but XXXX has not removed it and I believe Hunter Warfield has not notified them of this which I believe is a violation. XXXX is stating they verified the account even though I sent the letter from Hunter Warfield to them. Unless Hunter Warfield request it be removed then I do not think XXXX will remove. I believe both companies XXXX and Hunter Warfield are now in violation of the FDCPA and Texas Finance laws regarding reporting and XXXX party debt XXXX. This should have been removed 30 days ago and I am now having to take time out of my work schedule to file complaints. This should have been done along time ago. It is hindering my ability to purchase a home for my family and starting to cause a real problem.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (LA)

The credit reporting agencies XXXX, XXXX and XXXX is reporting a bankruptcy to my report after it clearly states and are governed by law that The United States of Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit file. Please remove the following from your records. Furnishing of this information violates The Fair Credit Reporting Act and my consumer rights to privacy.
Consumer complaint received 2024-03-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC (MD)

I am filing a new complaint in response to complaint # XXXX and the response provided by Fay Servicing XXXX Fay Servicing stated the following in regard to the most recent loss mitigation application. 
The most recent loss mitigation application was received and deemed complete on XX/XX/XXXX. Fay evaluated the account for loss mitigation options on XX/XX/XXXX. The account was approved for a Deed-in-Lieu of Foreclosure and the loss mitigation evaluation letter states that you have until XX/XX/XXXX, to accept the offer. However, the letter states that even if you timely accept this offer, you are not entitled to foreclosure protections until the owner of your loan approves the Deed-in-Lieu of the property and as stated above, the investor previously denied the Deed-in-Lieu request in XX/XX/XXXX. Our records show that there is a current foreclosure sale date of XX/XX/XXXX, which was scheduled on or about XX/XX/XXXX. 
This is the very definition of DUAL TRACKING per the CFPB ruling, Restricted Dual-Tracking : Under the CFPBs new rules, dual-tracking when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure is restricted. Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure, and that application is still pending review.
Consumer complaint received 2022-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MD)

To whom it may concern, I was approved for a loan with Sallie Mae ( Now Navient ) for a Private signature loan with a repayment plan including full principal and interest that was disbursed on XX/XX/XXXX The original principal amount for that loan was {$10000.00} at a now 9.000 % interest rate which is utterly ridiculous. It is now XX/XX/XXXX and my balance is only XXXX! Over the past 10 years ive only paid XXXX of that loan due to the interest rate and fees. 

Also may I add that i also have two additional Stafford loans 1-02 stafford Subsidized Loan that was disbursed on XXXX/XXXX/XXXX in the amount of {$2600.00} with a fixed interest rate of 6.8 %. 
as well as a 1-03 stafford subsidized loan that was disbursed on XX/XX/XXXX in the amount of {$570.00} with a fixed interest rate of 6.8 %. 
Both of these stafford loans took 10 years to pay off and were offically paid off with end dates of XX/XX/XXXX and XX/XX/XXXX. 

To add two more layers to this Navient nightmare The person who's name is on my loan as primary has been deceased since XX/XX/XXXX. Also the college that atteded where i received my loan for is XXXX XXXX XXXX ( XXXX ) - XXXX, Maryland in which the entire company closed all of their schools across the United States in XX/XX/XXXX. In which after all schools were closed XXXX XXXX was hit with thousands of lawsuits from students claiming that the college and its parent company are running a high-pressure sales racket cleverly disguised as higher ed. In a nutshell all campuses closed due to low enrollment levels and financial viability. 

With all that being said I feel my Loan should be forgiven and zero 'd out due to the mere fact that i can not afford to continue to pay this loan until my payoff estimate year of XXXX with a XXXX interest rate that ive Navient multiple times about with no resolve. The loan is also in a Deceased persons name. I have sent multiple copies of the death certificate to no avail and have yet to receive any help regarding what can be done with that. Lastly the loan is in a schools name who is no longer in business and I can not use my certificate in the field that i received the certification in because the employers do not recognize that school as accredited.
Consumer complaint received 2022-07-19
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. (NY)

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. XXXX XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research accounts I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2022-01-18
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. (NY)

15 U.S. Code 1681a ( D ) ( 2 ) ( A ) ( i ) and 1681a ( D ) ( 2 ) ( B ) states that ... .... except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; A authorization or approval of any account would be anything like a credit card, mortgage, auto loan etc should not be on consumer reports also transactions either discover has been reporting these account without my permission as well as they shouldnt be there anyways as it should not be included in a consumer report
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

For the past year, I have been trying to get the following taken off from my credit report due to being a victim of identity theft in XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) - XXXX XXXX XXXX ( I DONT KNOW WHAT THIS IS ) US Dept. of Education / XXXX  - All inquiries Last Dispute was XX/XX/XXXX
Consumer complaint received 2022-01-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2023-03-30
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)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-07-19
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. (PA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2015-09-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

I have been trying for months and months to get my mortgage caught up. I have a good rate, so I do n't think any refinancing would help. However, I just ca n't double up on my payments and they keep tacking on all these late fees. Then there is a section of " other charges '' to this day no one can tell me what those are or what they mean. I would just like a little help to give me a deferment or something so that I can keep paying every 30 days, but that it 's under 30 days past due and not incurring these fees for no reason, all while sending me threatening letters.
Consumer complaint received 2023-08-02
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: EQUIFAX, INC. (MA)

I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT 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 XXXX XXXX XXXX
Consumer complaint received 2023-03-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-03-30
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. (FL)

did not authorize or do any of these hard inquiries on my reports : 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 2018-10-13
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. (NV)

" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2015-10-09
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (NY)

Hello, I recently realized that paypal has made a hard inquiry for a credit card without my permission. Many people have experienced this same issue and there has been a lawsuit against paypal regarding this issue. The option to made a credit card inquiry was already checked for many people without permission. it was deceptive and lowered my credit score. I want it to be removed from my credit report.
Consumer complaint received 2022-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX* Balance : {$0.00}
Consumer complaint received 2021-10-08
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. (TX)

I have contacted and disputed the Public record Chapter XXXX Bankruptcy on my credit report several times with Transunion and XXXX and they have refused to remove the fraudulent inaccurante information on my credit report. 
None of my information matches the bankruptcy. I have submittedall documents to the credit bureaus and they still refuse to move the information. I have called daily for 3 months and still they refuse to help me. Also I have no accountson my credit that are negative that the bankruptcywould be attached too.Please help me resolve this urgently. I'm applying for a SBA loan to help my XXXX survive this COVID nightmare. 

XXXX has deleted the bankruptcy XXXX has deleted the bankruptcy
Consumer complaint received 2022-07-19
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: Experian Information Solutions Inc. (LA)

It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; US SM BUS ADMIN ODA - Inquiry Date : XX/XX/2020 ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX  XXXX, LA XXXX ; XXXX - Inquiry Date : XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX - Inquiry Date : XX/XX/2020