davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-21
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. (LA)

At this point I am absolutely speechless at how I am being treated with my disputes. I have completed a FTC for the issue and submitted a CFPB complaint before. I have given the company plenty of time to contact me with any results but they have failed to do so. According to the Fair Credit Reporting Act, I have completed my portion by completeing the FTC and CFPB, but still this item remains on my account with out proof of a wet signature. I would like this to be my final time trying to get this issue resolved. Remove the account immediately because the company has had plenty of time to recover and provide documentation. The FTC was filed at the end of XX/XX/2021 and the first CFPB was completed in early XXXX, as a result of being ignored, by these same companies. I have rights as a consumer and these companies must respect that.
Consumer complaint received 2022-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to XXXX or eliminate the item certainly. 
CAPITAL ONE BANK USA ***** Opened XXXX XXXX, XXXX Balance {$670.00} CAPITAL ONE BANK XXXX ***** Opened XXXX. XXXX, XXXX Balance {$460.00} CAPITAL ONE BANK USA XXXX Opened XXXX. XXXX, XXXX Balance {$460.00} CAPITAL ONE BANK USA XXXX Opened XXXX XXXX, XXXX Balance {$670.00} CAPITAL ONE ***** Opened XXXX XXXX, XXXX Balance {$670.00} CAPITAL ONE ***** Opened XXXX. XXXX, XXXX Balance {$460.00}
Consumer complaint received 2021-09-13
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (NC)

We are currently trying to close on a VA Mortgage with PNC Banking. As of XX/XX/2021 we are 13 dates past our closing date with no closing date in site. PNC has repeatably asked for the same documents multiple times. At one point we were told after two weeks of re sending documents they said they finally found them in a file that was done by another processor. Our appraisal was done in XXXX and we finally received the notice of value Friday XX/XX/XXXX, I was told this is a federal violation by not sending it 3 days after. We have not received a copy of the full appraisal even though we have been repeatably requesting it. The slow response to giving the notice of value and appraisal is an issue since the house did not appraise at value and the contract needed to be amended and renegotiated. They have told the seller 's agent they had all documents needed from them and then for weeks are requesting documents from us that should be coming from the the seller. They refuse to return any phone calls or take any phone calls from our real estate agent so that she can get documents and corrections to them. Tomorrow XX/XX/2021 we are breach of contract and in danger of losing our {$5000.00} in due diligence and are we are having to spend money for rentals on because we are so far past our closing date. We have been told by processing agents during conversations that they will just let our loan seat on their desk for a week. We have to call customer service lines because the loan officer, loan processing agent and the loan processing manager do not pick up their phones nor do they return phones. Any help would be greatly appreciated. We were told by our real estate agent this was our best option for assistance.
Consumer complaint received 2021-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXXand XXXX XXXX XXXX  XXXX. I have attached a copy of the ID Theft Report with this complaint. The report number is XXXX plese review.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Three credit bureaus are together not improving my credit score all account has been paid off and charge off which means no further interest charge on them. 

Kindly remove all the old and relevant information from my credit report and please help me to get a better picture of my credit health.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

My complaint is with Experian credit agency. I have submitted a Letter of Good Standing from XXXX my school loans. I have nine accounts all under the same number. I spoke with XXXX a supervisor last week my information have been received and I was told this by several employees. I was told the Letter of Good standing would be placed next to these accounts as of todays date that information have not been added. Potentially negative should not have been placed by my school loans ; the last missed payment was in 2015. 

I checked my credit profile and XXXX student loans are in dispute. Thats not what I asked for when I spoke to XXXX. XXXX sent the Letter of Good Standing on these accounts. Im beginning to feel like Experian is deliberately sabotaging my credit profile. I also have a problem with them correcting two other accounts that I filed a complaint against those companies and the decision was one was to be removed and the XXXX said to enter dispute/ fraud. 

On this complaint with Experian I want In Good Standing added next to my nine XXXX accounts. They have the letter from XXXX. Instead they just open a dispute and do nothing. 

Assistance in this matter will greatly be appreciated. I will file two other complaints against Experian for deliberately entering incorrect information on my credit profile.
Consumer complaint received 2021-09-21
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: Medical Data Systems, Inc. (AL)

I AM ATTACHING A COPY OF A POLICER REPORT FILED AS WELL AS MY CREDIT REPORT. I DO NOT RECOGNIZE THE ACCOUNTS LISTED IN THIS REPORT AND FOR THAT REASON THEY SHOULD BE REMOVED DUE TO IDENTITY THEFT. THESE ACCOUNTS ARE PREVENTING ME FROM PURCHASING A HOME AND MY LINE OF WORK REQUIRES A CLEAN CREDIT HISTORY.
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (LA)

My student loan servicer is Great Lakes. I work in public service. I am trying to get a mortgage. The lender needs to see a non-zero payment amount on my credit report, so on XX/XX/XXXX, I contacted Great Lakes and was told they would report my correct monthly payment of {$230.00} if I took my loan out of the COVID freeze. 

I took my loan out of the COVID freeze and started making payments. However, Great Lakes has continued to report my monthly payments as {$0.00} rather than {$230.00} that shows on my Statement of Loan Obligation. I have repeatedly contacted Great Lakes and been told to wait until the end of the month and see if it fixes or to file a dispute. I did file a dispute, and Great Lakes again reported my payment as {$0.00}. I have records of call, chat, and email dates. 

Great Lakes has left me in a position that I'm making payments that are not in my interest to make ( I'm XXXX out of 10 years into a public service position and will presumably qualify for PSLF ) but unable to get a mortgage. I am unable to purchase a home. 

Please help.
Consumer complaint received 2021-09-21
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: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I AM ATTACHING A COPY OF A POLICER REPORT FILED AS WELL AS MY CREDIT REPORT. I DO NOT RECOGNIZE THE ACCOUNTS LISTED IN THIS REPORT AND FOR THAT REASON THEY SHOULD BE REMOVED DUE TO IDENTITY THEFT. THESE ACCOUNTS ARE PREVENTING ME FROM PURCHASING A HOME AND MY LINE OF WORK REQUIRES A CLEAN CREDIT HISTORY.
Consumer complaint received 2021-09-21
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. (AZ)

I have a couple of account that are not mine, I have reached out to them to have it removed as fraud. 
XXXX XXXX XXXX was tricked into paying them., Have no idea who that is. 
XXXX XXXX XXXX XXXX was tricked into paying them., Have no idea who that is. 
XXXX XXXX, Have never done buisness with them, Completely Fraud. 
Inquiry From XXXX XXXX Not familiar with them. 
Inquires From XXXX XXXX XXXX The information is not matching, I have sent a validation letter to them more than 30 days and have not received any updates.
Consumer complaint received 2022-06-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

This complaint is in regard to my private student loans with Navient. A couple of years ago I tried to work with Navient on a payment plan. What they were asking at the time was not affordable to the point I wouldn't even be able to pay my rent. I contacted them to see if they had any programs or could assist me with coming up with a payment that I could afford. The representative said he would need to discuss it with his team, but if I could make a " good faith payment '' then it would buy me some time and will show the company that I am serious about working something out. I made the payment and tried to contact the representative several times to inquire about the status without success. All of a sudden, I receive a letter from XXXX XXXX XXXX, stating that my loans have been turned over to them from Navient and to reach out to them to work out a plan. I was devastated because that's what I was trying to avoid. I soon learn that Navient charged off the accounts and reported my accounts as derogatory, which is still the same status they are reporting today, which is incorrect. I wasn't sure what to do or my options, and felt like I had been tricked, so I just went ahead and worked out a plan with XXXX XXXX XXXX and have been paying them faithfully for over a year now and they send the money to Navient, which Navient has confirmed. Navient also refuses to update the status of my credit report as well as they are reporting a past due balance. I have been making payments for over a year, but they stated that they dont update statuses when they are derogatory. However, how is it derogatory if I have been making payments? There should not be a past-due balance as well. Their negligence in not providing me with options for a payment plan, falsely making an agreement and conning me into making a payment in hopes of working something out, and not accurately reporting to the bureaus has negatively affected me and my family tremendously. I am not able to buy a home due to their negligence and I am hoping to come to some sort of resolution via an investigation and at least have my credit report information reporting accurately.
Consumer complaint received 2020-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2020, I called Chase to request a credit line increase since the holidays are approaching. The representative stated that there will be a hard pull from my credit report. For the record, my credit score with XXXX is XXXX, XXXX is XXXX, and Experian is XXXX. I even have a XXXX Bankcard Score 9 of XXXX which is exceptional. The representative placed my call for a long hold. When she came back she indicated that the request was denied and could not tell me the reason. She also indicated that I will get a letter in the mail indicating the reason in writing. I got the letter and the latter states : " Too many installment loans other than mortgage, automobile or student loans. '' I disagree with this since my credit behaviors speaks loudly that I am a low risk customer and I also have excellent credit across all bureaus. I have never missed a payment and to me this is not acceptable. I get mailers all the time to open savings and checking accounts with Chase, after this rejection ; I will not even entertain such offers from an organization that rejects excellent paying customers.
Consumer complaint received 2022-04-05
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. (FL)

I have never submitted any written consent for a bankruptcy to be reported on my credit report. I asked all three credit bureaus to remove this information as it is in direct violation of my consumer rights and severely affecting my ability to live. With countless attempts to address this issue, the credit reporting companies continue to ignore my concern and abuse my rights. They claim the account is verified by XXXX XXXX and the district court but I have a letter from both stating is not reporting a bankruptcy or they do not provide such information. The XXXX major credit reporting companies are unwilling to cooperate with the laws given to US citizens.
Consumer complaint received 2019-01-08
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: Credit Central Holdings, LLC (GA)

On XX/XX/XXXX this company took out another hard inquiry on my report as if I was opening a new account. Prior to this inquiry on my report, I was NOT trying to get any line of credit with them, open an account, or refinance my account. I already have an open account from XXXX from them. The company is using this as a way to get back at me since I am a few weeks behind on my payment. Instead of just updating my open account and marking it as late. They attempted to open another account without my permission, knowing that it would make my score down some more. The company reports when you are behind ONLY, but NOT when you make payments on time.
Consumer complaint received 2022-04-05
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (GA)

I came out of XXXX forbearance in XX/XX/XXXX. I promptly filled out a loss mitigation application with my mortgage servicer, Freedom Mortgage. I have email confirmation that they received my application. They sent me a letter stating that they needed the IRS form XXXX and a letter explaining the extra income sent in. I promptly sent in their requested additional documentation, and have email confirmation that they received the additional paperwork. Every time I called in to check on my status, I was told " it takes a while and to be patient. '' In XX/XX/XXXX, I was finally told that the time ran out on my application in XX/XX/XXXX because they did not have a properly filled out IRS Form XXXX. I had filled out this form and they never told me other than the confirmation of receipt that it was wrong or missing. I went back and forth several times with their customer service personnel and escalation specialists. However, I was never given a reason as to why this oversight happened and no one from this company has ever communicated with me or followed up with me. This seems to be a very clear violation of 12 CFR 1024.41 ( b ) and subsequent subsections concerning Loss Mitigation Procedures under RESPA. 

I spoke with them again today to inquire about my NEW application for loss mitigation assistance. I was told AGAIN that they were missing IRS Form XXXX as well as several other documents. This was the first anyone had communicated with me in two weeks and I was never notified that the application was incomplete. Again, in violation of RESPA. To make matters worse, I submitted all of these documents and application through Freedom 's own website application process. You can't continue through their web-based applicaiton process without uploading the proper documents and filling out the application completely. I feel that Freedom is purposely running out the clock on these applications to be able to foreclose on customers so that Freedom can profit off of the large increase in housing value over the last two years. This is unconscionable and immoral and their violations of RESPA are illegal.
Consumer complaint received 2019-03-19
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: Experian Information Solutions Inc. (IN)

XX/XX/2019 Experian XXXX XXXX XXXX XXXX, Texas XXXX To Whom It May Concern, On XX/XX//2019 I  requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XX/XX/2019 your agency responded to complaint submitted to the CFPB ( Complaint # XXXX ) stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. I have sent multiple request to XXXX for validation of debt, they have yet to validate this debt by showing my an instrument of indebtedness.

This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on XXXX2019. 
To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ),  you were required to forward all of the relevant information I provided you to the creditor for their investigation of my dispute. 
Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative items, as originally requested.

Below are the items that do not belong to me that you continue to report illegally. 
XXXX Loans : XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately. 

I DO NOT BELIEVE AN INVESTIGATION WAS DONE. I DO NOT BELIEVE EXPERIAN APPORPIATELY APPLIED MY EVIDENCE AS REQUIRED BY THE FCRA. I DEMAND TO SEE A CONTRACT/ INSTRURMENT OF INDEBTEDNESS BEARING MY SIGNATURE. I DEMAND TO SEE DOCUMENTATION EXPERIAN USED TO VERIFY THIS ACCOUNT AND TO KEEP THIS ON MY REPORT WHILE IGNORING MY SUBMITTED EVIDENCE.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX account has been closed for a year but TransUnion is allowing them to report the account as " late payment. '' XXXX placed a penalty on my account some time after it was closed and sent that penalty to collections. 

A closed telecom account can not have a late payment, as dictated by FCRA
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (AZ)

I had a payment arrangement with GM Financial to pay off the remaining balance of my XXXX lease. I paid the balance off in full XX/XX/2021. GM Financial negatively reported 30 days late for XX/XX/2021 and 60 days late of XX/XX/2021. These payments were on time. GM Financial said that there was inaccurate reporting and a discrepancy on my account. I had to send in bank statements showing proof ; even though their records indicated that I was indeed correct. As a result of the negative reports, I had another account close because my score was reduced significantly. I have worked very hard to pay off debts and repair my credit. This has impacted my ability to find and establish housing. This was not my error and it needs to be corrected and rescored. I would like the closed account to be reopened as that was contributed to this inaccurate reporting on GM Financials ' system.