davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OH)

I had a car title loan wi th Springleaf Financial  on a  XXXX   XXXX   XXXX  in 2013. I lost my job and was unable to make the payments. They took my car and my account was turned over to a company called  XXXX  ,  XXXX . They sued me for {$1000.00}. I paid this to this company and have satisfied this debt. I asked this company to remove this negative item from my credit report but was told that they bought the account so they could not remove it from my credit report. I have contacted Springleaf that was listed on the credit report was not the original account holder and they would not remove the negative item because I paid another company. This was done by phone. I have sent Springleaf ( to the address on my credit report )  2  letters with no response. I have tried to dispute this with the credit bureaus but I have not gotten anywhere with them. How can I get a negative item removed when I pay the debt when everyone keeps telling me that they ca n't do it because they do n't " own '' that debt anymore. I am trying to buy a house and this is causing me to be unable to qualify for a mortgage. If you pay off a debt then it should be removed from your credit report.
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

On XX/XX/2017, I contacted XXXX XXXX and All 3 Credit Bureaus regarding the information they had reporting to my credit reports. The information was incorrect and inaccurate and needed to be removed from my reports. 45 days later the 3 bureaus reached out and stated that the accounts were " verified '' with any supportive documentation to show. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX detailing XXXX XXXX business practices. 

It has come to my attention that XXXX XXXX has had some improper business practices conducted within the last year. I was unaware of this information until researching when my credit report showed the inaccuracies. I'm not sure if my complaint has anything to do with the before mentioned sanctions, but it is clear that my account needs some attention. 

The information is inaccurate and incorrect and needs to be removed promptly. Thank you.
Consumer complaint received 2018-03-28
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)

On XX/XX/2017, I contacted XXXX XXXX and All 3 Credit Bureaus regarding the information they had reporting to my credit reports. The information was incorrect and inaccurate and needed to be removed from my reports. 45 days later the 3 bureaus reached out and stated that the accounts were " verified '' with any supportive documentation to show. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX detailing XXXX XXXX business practices. 

It has come to my attention that XXXX XXXX has had some improper business practices conducted within the last year. I was unaware of this information until researching when my credit report showed the inaccuracies. I'm not sure if my complaint has anything to do with the before mentioned sanctions, but it is clear that my account needs some attention. 

The information is inaccurate and incorrect and needs to be removed promptly. Thank you.
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit score has gone down XXXX points in the last month - from the mid XXXX 's to the mid XXXX 's. I requested and reviewed reports from all XXXX credit reporting agencies and I can not find a significant reason for the significant decrease in my score. Please help me.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PHH Mortgage Services Corporation (FL)

For myself and my wife, XXXX is showing a balance due still for this mortgage that we had a completed Deed-In-Lieu for. As of XX/XX/XXXX the owed balance should be {$0.00} no more late payments after that date. 

They however still show a balance due of over 28K and over 5K as " past due '' PHH Mortgage Service and XXXX have been contacted numerous times but ignore the problem. I need it fixed so we can get a new mortgage starting XX/XX/XXXX of this year ( 3 year waiting period )
Consumer complaint received 2018-08-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIZENS FINANCIAL GROUP, INC. (MO)

Got a letter saying I owed {$14000.00} on XX/XX/XXXX. After calling found out it was from XXXX. I filed bankruptcy in XXXX this said account should have either been discharged or frozen until after my chapter XXXX bankruptcy ended. XX/XX/XXXX my bankruptcy ended I never got any bill from account holder. Now 6 months later they are either trying get money from an account discharged from my bankruptcy or mishandled my account during my bankruptcy. I want this account withdrawn as it goes against federal bankruptcy laws! They should have by law sent me a bill to resume payments not sent it straight to collections.
Consumer complaint received 2018-03-09
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. (IL)

I received an alert that XXXX made an inquiry on my credit. I called XXXX to inquire as to why and I was told they had not made an inquiry on my credit. It is on my credit report that on there was an inquiry made on XX/XX/2018. I did not apply for anything with XXXX. This inquiry was also made in Washington state, I do not live in Washington.
Consumer complaint received 2018-03-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (GA)

XXXX XXXX hasn't sent any correspondence in reference to this debt and hasn't responded to the letters sent. The debt was opened XX/XX/2015 for {$630.00}. I've sent correspondence requesting original contract/signature and no response.
Consumer complaint received 2018-03-09
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. (AL)

I have spent an enormous amount of money and time writing, Certified Mail cost and hours on hold to all three credit reporting agencies trying to clean up credit reports. Two of the hard inquiry complaints once were removed only to re-appear. 

While XXXX is the worse company to deal with, my experience with Transunion has generally favorable. XXXX has been very helpful. 
I have recently had a had experience trying to get unauthorized hard inquiries removed.

The following two hard inquiries were once removed and we're unauthorized. I never applied or signed a credit application. Unless Transunion has a signed application for these two and the others then they should be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX ( Auto Dealer ) XXXX XXXX XXXX / Inquiry Date : 1XX/XX/XXXX ( Auto Dealer ) XXXX XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX ( Bk. Credit Cards ) XXXX XXXX  / Inquiry Date : XX/XX/XXXX ( Bk. Credit Cards ) It is not right to punish a person for unauthorized hard inquiries. 

XXXX XXXX 3XX/XX/XXXX
Consumer complaint received 2018-08-20
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: JPMORGAN CHASE & CO. (GA)

JP Morgan Chase Card has been making unauthorized monthly inquiries in my credit reports since XXXX, with the latest being XX/XX/XXXX. I have complained to the credit reporting agencies and Chase Bank to no avail. I did not authorize these inquiries and I would like for them to stop accessing my credit reports.
Consumer complaint received 2018-03-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MN)

they deninded a modification and state it was due to title issue however again the county and everything is showing only myself on title which was done back in XX/XX/2016 when the modification was in process. I am not understanding how when everyone/everything shows only myself on title how you can denine the modification. they did not answer this question
Consumer complaint received 2018-03-08
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

To Whom It May Concern.. 

XX/XX/XXXX XXXX approved XXXX six year loan.. ... ... New XXXX XXXX XX/XX/XXXX After XXXX XXXX XXXX payments I decided to sale ... I owed approximately {$12000.00} to XXXX. 

XX/XX/XXXX Contacted XXXX informed them of buyers offer, and car will be sold in less than 30 days. 
I was advised that If payment was not made in 30 days penalties will be assessed. 


XX/XX/XXXX Receive check from buyer ... .... {$18000.00} ... XXXX profit.. Car sold.. 

XX/XX/XXXX New buyer in route ... ... .Check in hand.. 

XX/XX/XXXX Car repossessed ... ... No communication refuse to talk.. 

XX/XX/XXXX Bank auctions car for {$12000.00} ... .. Charges me {$7500.00} and destroys my credit ... 

This was a crime.. 

Please help ... 

XXXX XXXX
Consumer complaint received 2018-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MI)

I called Wells Fargo Home Mortgage on Thursday XX/XX/2018 because Wells Fargo had charged me {$1700.00} for home owners insurance. I explained that I did have home owners insurance. The representative insisted that I had to get my insurance policy reinstated or I would be charged the fee to get my house insured. I gave the rep the name of my home insurance company name, policy number and amount that I paid. The rep said I would have to reinstate my policy and hung up the telephone.
Consumer complaint received 2018-03-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WA)

XX/XX/2018 & XX/XX/18 Having problems with Navient applying payments to the right loans to the to avoid them saying payments are late and applying late charges and getting harassing phone calls say I am delinquent. 
XX/XX/2018 & XX/XX/18 Changing due dates without consulting with the borrower to confirm that is a good due date and then applying late charges. 
XX/XX/2018 & XX/XX/18 Talking to supervisors and representatives about fixing the problems and nothing ever gets fixed. 
XX/XX/2018 & XX/XX/18 Not having the correct loan payment amounts on account to pay the loan without having to go through a Navient employee to get things fixed. 
-Being transferred to a million different employees before getting to one who can actually fix the current issue. 
-Told they will fix said problem, but then it is never done. 
-Spending up to a hour in a half to get to someone who will fix the problem. 
-Account showing late fees and employees telling me there are no late fees that were put on. 
-Told I needed to contact the XXXX XXXX XXXX XXXX XXXX to solve issues with Federal garenteed and subsidized loans that they were the one to anwser questions about those loans when really it was just another department within Navient. After call Department of Education they tell me that it is the responsibility of the loan holder to handle all loan problems that they have nothing to do with them any longer. Same problems when having to fill out the yearly income driven plan paperwork. 
These are just the tip of the iceburg of the numerous problems we have had with navient since they took over my student loans.
Consumer complaint received 2017-06-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (OH)

In  XX/XX/XXXX , we began the process of obtaining a loan modification for the mortgage on our home through Citimortgage. On  XX/XX/XXXX , they emailed a copy of the loan modification agreement that listed the unpaid principle of our existing loan as approximately {$90000.00}. The documentation also listed the new amount of the loan modification as approximately {$92000.00}. When I asked why there was a difference in the unpaid principle amount of our current loan and the modification amount of the new loan, I was given several different and contradictory answers verbally and no answers in writing. When I asked the person declared as our " single point of contact '' for the modification process to put in writing the reason that the loan amounts were different, she outright refused saying that she could tell me over the phone, but was unable to put those same statements in writing. I asked to speak to her manager and left more than one voicemail that have not been returned. I have had several conversations over the last month and they have all ended similarly. We have been working to get this loan modification for over a year an d Citimortgage is threatening that if we do n't complete the documents as they are quickly, we may lose  the opportunity for the offered loan modification, which could potentially risk foreclosure on our home. I view their tactics as adding an additional {$2500.00} in fees to our mortgage with absolutely no disclosure or notification of what the fees are related to and they are using the fear of foreclosure to push this through. I have asked for documentation about the additional {$2500.00} in loan principle many times and have been told there is nothing else that can be done for me. I am hoping the CFPB will be able to assist in getting me answers.
Consumer complaint received 2017-04-17
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (TX)

XXXX is not reporting payments made to my Student Loan. XXXX has not reporting any of my employments. Also XXXX just dropped my credit score by XXXX points with no indication as to why it dropped so dramatically. Also through XXXX there is a hard inquiry for XXXX which I have never iquired about. I also have XXXX open collections which have been paid off that XXXX has not removed from my credit report. XXXX is truely the worst credt bureau to have to deal with.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

I need my address updated. I have asked XXXX, Equifax, and XXXX  to delete these ASAP. I only live at XXXX XXXX, XXXX, MI XXXX. I have lived at this address more than 2 years. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXXXXXX XXXX XXXXXXXX, MI XXXX, XXXX XXXX XXXX XXXXXXXX, MI XXXX, or XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MI XXXX
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AL)

Like so many consumers throughout the USA, I am enslaved by the Credit Reporting Agencies Their intent is to keep consumers credit scores as low as possible and making it difficult to remove any negative items from their personal credit reports.

Experian is the number one choice of most Credit Card Companies and the number one violator of consumer rights under the FCRA. I like millions of others have worked for months and years of time and spent thousands of dollars to correct our credit reports. It would take pages and pages to document dates and actions.

I had finally got all of the incorrect information from my reports incurred by Identity Theft when I was hit by a rash of hard inquiries on primarily my Experian Credit Report. I had a 7 year Fraud Alert on my Experian report effective XX/XX/XXXX. Despite this 7 year Fraud Alert, Experian continued to allow hard inquiries.

I contacted Experian and spoke with a call center in XXXX XXXX  and a portion of the hard inquiries were removed. There remains some hard inquiries that is hurting and denying me credit opportunities.

The Hard Inquiries that Experian has not removed after disputes by phone are as follows : 1 ) XXXX Inquiry Date : XX/XX/XXXX ( Bank Credit Cards ).

2 ) XXXX. Inquiry Date : XX/XX/XXXX ( Bank Credit Cards ) 3 ) XXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX ( Bank Credit Cards ) If have not signed a credit application requesting credit from these companies and Experian violated the terms of my Fraud Alert.

Unless Experian has a signed and dated Credit Application they must be removed. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-03-08
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: Experian Information Solutions Inc. (CA)

My XXXX XXXX XXXX Acct # XXXX Was reported in error 30 days late XXXX and XXXX fixed the problem but Experian didn't which is causing me financial stress and hardship where i can't refinance. 
Please help me with this situation. Thank You.
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

Complaint is against Experian credit monitoring service. Good luck cancelling I called customer service and had to wait for 1.5 hours to reach a customer service representative and cancelled my membership at the end of XX/XX/2018 with a statement that my service would be available until XX/XX/XXXX when the monthly cycle was to end. On XX/XX/2018, my bank account was charged in full ( {$26.00} ) for a new month of service. On XX/XX/2018 my bank account was charged in full ( {$26.00} ) for a new month of service. When I attempted to call again on XX/XX/XXXX, the estimated wait time on their multiple customer service phone numbers were all over 2 hours. I have subsequently sent an email request with hopes of getting my membership cancelled.
Consumer complaint received 2018-03-08
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: EQUIFAX, INC. (AL)

Creditor : XXXX XXXX Credit Bureau : Equifax XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Equifax on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted XXXX XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to being told that they would only make a soft inquiry that would not appear on my credit profile in XXXX. I have yet to receive a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX or Equifax who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this hard inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX
Consumer complaint received 2018-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (TX)

As explained and ignored in the previous complaint filed with CFPB XXXX on XXXX the XXXX payment MidAmerica claims to have received on XX/XX/XXXX was paid to them through XXXX directly by me. The documentation was provided in the previous complaint along with all documentation to show the loan should not be past due. They claim to have received funds from XXXX to bring the loan current but it does not appear they have done so. I have since spoken directly with XXXX ( XXXX Agent ID XXXX ) on XXXX and they have stated they can see all the documents I provided and have yet to receive correspondence back from MidAmerica as supposedly MidAmerica was not in receipt of any of my loan docs from previous servicer. I have once again attached the XX/XX/XXXXpayment received by XXXX on MidAmericas behalf showing this was paid by me and not an adjustment of funds from XXXX. The loan should only be due for XXXX which was mailed by my bank on XXXX.