davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TN)

XXXXXXXX XXXX XXXXXXXX financed my new house in XXXX, TN with the " Intention '' of servicing the mortgage themselves. 
Instead they sold the mortgage to PHH Mortgage. 
In and of itself, that is not an issue. The issue is that I made monthly payments and the XXXX payment seems to have not been recorded as paid. ( sold XX/XX/2021 ) I submitted the XXXX  XXXX XXXX XXXX 30 days ago via fax and email indicating the payments had been made, but so far, PHH has not responded and are still showing me late for XXXX when in actuality, XXXX was made on time and they credited the money towards XXXX.
Consumer complaint received 2021-11-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CLGF Holdco 1, LLC (MT)

XX/XX/21 : Multiple calls to my employer from XXXX stating they are attempting to serve me paperwork at my place of employment. Gave me an XXXX to contact for further information. Contacted the individual so called XXXX XXXX from XXXX XXXX XXXX? Claimed he was a legal administrator trying to collect a debt for {$550.00} for an indigo mastercard. Explained I have never owned such a card and he became abusive stating to take it up with judge. Refused to give me information re debt and hung up on me. I called back asking he give me the correct spelling of name, work place, address. States he is not interested in being my penpal and hung up on me. I called back again and asked for business name, state and city license number. Stated he would only give it to an attorney and asked that I quit wasting my time and his and hung up on me. I called back and stated I have the right to self represent in court of law. He said see you in court and hung up. At this point I have no idea what company I am dealing with, the legitimacy of the debt, nor how to move forward since I have only been threatened of being served at my place of work and have not. Meanwhile, I have found a {$300.00} debt on my credit report and have disputed the account. Please help
Consumer complaint received 2021-11-14
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: NAVY FEDERAL CREDIT UNION (GA)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2022-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (NY)

I had an account with XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX when I cancelled my service and moved from that apartment, but they turned it back on, I'm guessing for the new renter but they kept it in my name and the people renting the unit never had it corrected.This was sent to collection company, XXXX XXXX XXXXXXXX XXXX This was the first I had heard about it and asked them to send me the paperwork because I knew I had cancelled and paid my final bill.Which they did and it clearly shows that it was cancelled and they stopped collection efforts and deleted it from my credit report in XX/XX/XXXX. Then I pulled my credit report in XX/XX/XXXX and the account had been sold of to National Recovery. I went directly to this collection agency and asked for the proof, they ignored me. I wrote to the bureaus where they also ignored me. I went back to the new collection agency, National Recovery, and sent them the paperwork that I had been provided by XXXX XXXX XXXXXXXX, showing proof that I had paid it. I have yet to hear back from them so I sent XXXX XXXX a letter directly asking them to please pull the account from the collection agency because this was their fault. I did not receive a response so I called them directly they claim they have never heard from me and would not look into the account.
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (NC)

On XXXX of my accounts, ending in XXXX and XXXX, Citi bank decreased my credit card maximums and it lead to a decrease of in credit score, when I have not used or abused the credit cards. The decrease card limits lead to balances exceeding the 80 % of usage and decrease my score roughly XXXX points. The reports from a credit agency came back as revolving credit cards, but this did not decrease my score. Also, I would like to say the credit card companies continually offer specials on balance transfers and it seems rather unfair to decrease a credit score by taking advantage of a service that is offered or even report it since they are offering a product like this. Why offer a product and them punish someone for taking advantage of it. " " '' '' The reporting, which again, did not decrease my score, was picked up by Citi bank and they decreased my maximums by {$1300.00} on my XXXX account and {$5400.00} on my XXXX account, then my credit score decreased by XXXX points. '' '' '' '' From about XXXX down to XXXX. Also, I have not used these cards in nearly a year and there has been no late payment or even any usage on my part to warrant anything from to say or imply I did not make my payments and Citi had given my the account limits over a year ago. In actuality, I have been an excellent to Citi bank and they continually try to find a way to abuse me and that is evidence of the last complaint I filed nearly a year ago when they refused to give my the transfer balance rate that was quoted over the phone. I have called the executive service team for Citi, Citi took another look and denied the original maximums that would have upheld my credit score. I find it hard to believe they would do something like this to decrease my score and to a customer that has been current on all payments.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am writing about the inaccurate information that continues to report on my credit file because of the negligence of the Experian representatives. This is my XXXX and final attempt. I am a victim of identity theft and I have supplied an enormous amount of documentation to support the deletion of fraudulent accounts. I have requested on numerous occasions for validation and verification that the Experian employees have received to show these fraudulent accounts are mine and have received nothing. This is because there is nothing as these accounts were opened fraudulently. However, Experian reports that they have verified these accounts are in fact mine. Who at XXXX verified this account? Who did they verify with? At this moment, these fraudulent accounts are only reporting on my Experian credit report as the others have deleted this incorrect information. I also have several other accounts where I have submitted the police report to show they were fraudulent accounts. Once again, Experian is still reporting these accounts and the other bureaus have deleted after investigation. These accounts are ( XXXX XXXX XXXX, and XXXX XXXX XXXX, ) These accounts have been deleted which I will attach, due to not being mine after investigation, but is still on my report. I have been fighting these accounts with Experian for almost XXXX years now. This is beyond ridiculous and negligent. I have also placed a fraud alert on my account to stop fraudulent inquiries and I have well over ( XXXX XXXX credit, XXXX, XXXX ) fraudulent inquiries on my credit file. How is this happening? How are I being protected?
Consumer complaint received 2021-11-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (FL)

I am writing this letter in because I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, and I saw another debt reported by JEFFERSON CAPITAL SYSTEMS for XXXX in the amount of {$540.00}. Since I do not believe I owe this debt, I am requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation proving that I owe this debt ; and ( 4 ) A copy of your license to practice debt collection in my state. I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. Please notify me when you have done so. If you need to contact me in the future, I insist that you do so by mail. I am not allowed to receive personal telephone calls at my place of employment. I also prefer that you not phone me at home regarding this debt. All future contact should be by mail. Thank you.
Consumer complaint received 2022-05-02
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

Follow up Shellpoint replied letter dated on XX/XX/2022. Attached please find the posting date from XXXX XXXX Bank, receipt record, it showed that the fund of {$3000.00} had been deposited to Shellpoint company s bank account. 

Due to the time essential, and I am still waiting for the final re-finance closing date for the payoff from my lender. Since, I have paid off the {$3000.00} for the P/I payment on XX/XX/2022. 

At your convenience, I requested Shellpoint to make the adjustment and extend the final payoff date to end of XX/XX/2022. If they have any concerns, please contact me at XXXX XXXX XXXX my email : XXXX. 

Please acknowledge receipt of this letter/email and the payment of {$3000.00} Your prompt response will be appreciated.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX, XXXX, and Experian are all reporting inaccurate information on my credit profile, which is causing major damage to my credit history. The credit bureaus have stated they did a thorough investigation, but I find that hard to believe because I am still finding inaccuracies being reported. They are reporting different information, and this is illegal. If an accurate investigation was done, why are the account balances, dates of last activity, high credit limits, monthly payment balances, and account numbers different from the other? Shouldn't they all be reporting the exact same information if it was deemed accurate and properly investigated? I have attached screenshots along with the inaccuracies I found are highlighted. I am requesting the following accounts be removed immediately due to inaccurate reporting, proving the credit bureaus did not properly verify the inaccuracies that I have recently disputed.
Consumer complaint received 2021-11-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION (IL)

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and the original creditor of an open ended credit plan, was denied my right of credit by Navy Federal. I was notified of this transgression of my rights specifically 15 usc 1601- The Truth in Lending Act, I as a natural person possessing an open ended credit plan was harmed by Navy Federal adverse action against me denying my rights, of which the Civil damages pursuant 15 usc 1640 ( a ) ( 2 ) ( A ) ( i ) are up to {$5000.00}.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (UT)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2022-03-09
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: Experian Information Solutions Inc. (TX)

This is a formal complaint against XXXX XXXX XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2022-07-07
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (DE)

So I bought this car in XXXX. I traded in my cruze for it. I didn't know what the interest rates were this was my first time buying a car with a lease. My interest is 22.99 % if my calculations are right I pay {$340.00} a month and only {$100.00} goes towards the actual cars price the rest goes to interest. Right now XXXX months later this car doesn't work. XXXX of last year I tried to see if they could refinance my payments. They said they don't do that. The woman was very rude didn't care to help. All she kept saying was find another finance company that will take your loan. By the tone I new XXXX would. And I've called dozens XXXX will. Because of the high miles. I bought this car at XXXX XXXX will take this loan apparently when it's more then XXXX miles or more. I have put thousands into this car. XXXX days after I bought the car I got pulled over because I had no headlights. I had to replace the covers also because they were so fogged up I couldn't see driving at night. I had to fix the control arm I've had to fix the CV axle. Now my ignition doesn't work. XXXX can figure out why. My loan in XXXX months has only gone from XXXX to XXXX. I make XXXX payments a week. I just can't keep up with the high interest rate. I looked at how much a XXXX XXXX XXXX is going for its only going for less then {$8000.00}. Now I'm at a point where I can't keep paying for a car I can't even use. And it doesn't seem I will be able to get out of this loan anytime soon to either fix the car or get a new one.
Consumer complaint received 2022-01-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My Personal Information was compromised and there were a number of inquires I did not authorize. Have contacted Credit Bureaus on numerous occasions to have these fraudulent inquires done without my consent to be removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2022-07-07
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: Experian Information Solutions Inc. (VA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-07-07
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I am pursuing PSLF and had my payment history reviewed under the limited PSLF waiver. I believed I had a fairly clear cut case, and was expecting my qualifying payments to increase significantly. However, after review my number of qualifying payments have actually decreased from the update I received last year. Also, I lost three qualifying payments when I was given misinformation from a FedLoan rep in 2019 ( I was advised to put my loans on forbearance for the three months I was out of work from a work related injury because I was " technically not working at a qualified employer during this time '' - I later learned that I was still technically qualified as employed and missed out on qualifying payments ). This is incredibly stressful, I am so burned out from community XXXX XXXX XXXX ( which is what nonprofit work in my field is ), and am struggling to hang on for the less than 3 years ( now, according to FedLoan, over 4 years ) I was expecting to have left. I can not get in touch with FedLoan 's customer service or the ombudsman. When I call FedLoan, I wait on hold indefinitely ( my record is over 2.5 hours ). When I request a callback, no one ever calls back.
Consumer complaint received 2022-01-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

Hi, I can't believe you guys are taking advantage of me. I am really upset the credit bureaus have not responded back to me about my investigation. I sent a letter and it's more than 60days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : Bankruptcy court name : XXXX XXXX XXXX OH XXXX XXXX