davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (GA)

Original loan was through XXXX XXXX, when it came time to repay my loan, my loans were then the property of Navient. They wanted me to pay {$1000.00} a month for my student loans and I did not have the income, they explained to me that I could pay deferments of {$150.00} for every 3 months to keep them in good standing. I did this, but of course I ran out of deferments and my loan amount went back up, I tried to set up an income bases or payment plan with them and they would not give me any amount less than {$800.00}. I tried to I did not have the money as I was just graduating from school and not landed a full time yet. my income was unpredictable. I asked for relief after paying something towards it, but they said since my account was in good standing there was no program that I could qualify for. So I had to let them go bad, by this time they were willing to work with me or so I thought, no they wanted XXXX dollars, again stressing to the and filing out monthly financial reports, they then begin to say you do n't have enough surplus income to pay these so we ca n't prove that you can pay them, therefore you do n't qualify for a relief program. I was so disgusted. Again, I had to let them go bad. Then, finally in XXXX I spoke with a nice lady who told me I had now been able to qualify for a 15 month, lower interest rate program, where I could pay {$260.00} a month for all of my private loans, and that they would lower the rate to 3 %. I had to set up automatic payments for the entire program, but could not be promised that after the 15 months, they would skyrocket again. I decided to take their word in hopes of raising my effected XXXX credit score due to these loans, and pay them so they would be in good standing. Well I received a call on XXXX XXXX stating that XXXX of the loans would not qualify for the repayment plan and they needed an additional XXXX dollars to satisfy the loan. " Wait, what? '' I said to myself, this can not be true, the whole reason I signed up for this program was to state repaying this loan, after Navient continued to attack my credit score and offer me absolutely NO RELIEF, I finally qualify for a program and they renege on our agreement! I am considering bankruptcy because I do not see an end in sight. I am XXXX years old with XXXX in private loans, and if they continue to treat me like a rag doll my credit score will be XXXX : ( I do n't know what to do!
Consumer complaint received 2016-08-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Systems International, Inc. (TN)

On my XXXX credit report states that I have accounts in collection that have been paid by insurance that I had when I was working. I no longer work for that company and I became homeless and was living out of my car from XXXX 2015 until XXXX 2015. I do not have the paperwork anymore because of living in the car. XXXX has removed the ones that XXXX still has n't removed and I would like to have them removed as I no longer owe them and the account is paid in full.
Consumer complaint received 2016-08-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NC)

We filed a Chapter XXXX bankruptcy that was discharged XXXX 2012 which did not include our home mortgage through Wells Fargo. This was included on the petition filed with the courts, however Wells Fargo did not respond to the request to reaffirm the loan. We continued to live in the house and make on time payments and even refinanced the home through Wells Fargo to take advantage of the HAMP program. However, Wells Fargo continues to report that the loan was included in our bankruptcy and show no payment records to all XXXX credit reporting agencies. We have contested this information several times only to be told the investigations were closed and that the information was reported correctly. I would like this corrected as this has been and continue to affect our credit file and is impacting our ability to gain a new mortgage.
Consumer complaint received 2016-08-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (LA)

There are XXXX accounts reporting with dispute comments. I requested that these accounts remove the dispute comments from all XXXX bureaus and I had no issues with XXXX and XXXX but Experian stated that they would have to file a dispute with the companies reporting in order to have the verbiage removed and it could take up to 30 days. Well, it did n't take 30 days but instead the two companies refusing to remove the comments denied my request even though I stated " I no longer dispute the account and I agreed with the way it was reporting '' I also contacted both companies and requested for them to remove the dispute comments themselves and both companies stated they would n't remove the dispute comments " UNLESS THE ACCOUNTS ARE PAID '' To me this is illegal because these companies are holding me hostage and preventing me from being able to purchase a home by reporting innacurate information on my credit file since I have specifically stated I 'm no longer disputing the accounts. It 's my right as a consumer to dispute an account and there are mortgage guidelines in place to decide whether or not I am approved for a mortgage and it should n't be up to anyone deny me this right by reporting inaccurate information in hopes of getting paid. Experian has stated there is nothing they can do unless the creditor reporting the information gives them permission to remove the comment. I had no issues with XXXX or XXXX and if Experian has to put the account in dispute to remove the dispute comment it 's extremely contradictory. I have clarified to both experian and the creditor reporting the information that I no longer dispute the information and I agree with the way the account is reporting and still I ca n't get them to remove the comments from my credit file. This is preventing me from being able to move forward with a mortgage and they are holding me hostage. XXXX XXXX XXXX and XXXX XXXX XXXX are the two accounts.
Consumer complaint received 2016-08-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

i been dealing with this company not blocking fraudulent accounts and public records from my file for the past almost 3 years as i been going through identity theft. i have sent them countless numbers of official police reports and i also have attached a copy of my FTC fraud identity affidavit which includes every company that i know of that someone used to steal my identity i cant even move forward in my mortgage process for my family because they are also reporting XXXX public records that was filed in error under my name. It 's XXXX bankruptcies XXXX from XXXX and XXXX from XXXX those need to be removed permanently immediately. i have only filed bankruptcy XXXX time which is in XXXX of XXXX. All these errors on my credit report is stressful and depressing and me and my lawyer is thinking of filing a lawsuit for emotional distress due to all this untrue information on my file. it 's hard to even live or get a job with all this identity theft. I demand that all accounts and public records be blocked immediately or i will proceed with the lawsuit against this company in the amount of XXXX XXXX dollars. i have disputed all these items several times and nothing has been done. I have never had a phone account with XXXX never filed bankruptcy in XXXX or XXXX those are filed in error under my name. i have attached a copy of all the information that this company asked for and told me that all this information including the public records would be blocked. I do n't see how they are investigating these items when the companies that im disputing are sending me letters saying they are removing these items but this company still wo n't update my report and let me live a regular life it 's very frustrating and they are breaking federal laws in the process while hurting me and my family.
Consumer complaint received 2016-08-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (WA)

This is a complaint/escalation due to homeowner being misled by XXXX XXXX - said he was a mediation rep - ph # XXXX. 

The reason we ended up speaking with XXXX XXXX in the 1st place is that he agreed to the XXXX phone call meeting that he said was too late for but he would do a conference call in place of it ( the foreclosure process had already begun on XXXX/XXXX/2016. XXXX said he was legal mediation for Seterus and would be happy to have the call. 

XXXX talked like he was offering her the terms of a modification so homeowner jumped at it. XXXX said a 40 yr term. 3.75 % and NO balloon. They have to add the late in the balance or they can suspend money or forbear if they are upside down. The homeowner jumped on it. 

Now we 've been going round and round with documents since XXXX/XXXX/2016 and it seems as though XXXX XXXX 's offer is nothing but words? Granted the homeowner was having issues with her printer and getting me docs but it was n't so long to get them. 

Now I called Seterus today to check on load mod status. 

Called Seterus to check on loan mod status - spoke with XXXX XXXX - said on XX/XX/XXXX was denied XXXX review but reviewing again. Was denied DTI for HAMP being below the XXXX %. 

On XXXX/XXXX/2016 XXXX was told Seterus had a complete package but then an NOD Posted to the homeowner 's property on XXXX/XXXX/2016 leading to unnecessary fees incurred by the homeowner. 

XX/XX/XXXX letter - facially complete - now 3-45 day review period. Based on new docs received. 
Check back in 2 weeks. 

I 'd like to escalate this file to you due to XXXX XXXX 's offer that meant absolutely nothing apparently.
Consumer complaint received 2016-08-08
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Texas Guaranteed (TX)

Hello- Upon reviewing my credit report attached, I see I 'm still being affected by accounts that have been fully paid over 7 years ago that are obsolete, outdated and too old to be on file. I have paid this accounts in FULL. 

The accounts I discovered that are obsolete, outdated and too old to be on file : TEXAS GUARANTEED STUDENT TEXAS GUAR STUDENT LOAN Please help me delete this account immediately as it is too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated. I 'm trying to buy a house and this has completely messed up my finance options.
Consumer complaint received 2016-08-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (IL)

I moved out of XXXX six years ago ( XX/XX/XXXX ) and closed all utilities accounts upon moving. I have had no calls, emails, or communication of any kind from XXXX ( utilities service ) or any collector since ... I come to find that they have opened a collections account XX/XX/XXXX for XXXX with " Transworld Systems Inc, '' another company I have not heard at all from.
Consumer complaint received 2016-08-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

When I purchased the home at XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX on XX/XX/XXXX, the house was overpriced and divided into XXXX mortgages. XXXX of them was an adjustable rate loan of {$290000.00} with an interest rate of XXXX. The other loan is a balloon note for the amount of {$73000.00} with an interest rate of XXXX. 
My present rate under the American Servicing Company ( Wells Fargo ) is presently 7.250 with the majority date of XX/XX/XXXX with a monthly payment of XXXX with an unpaid balance of {$270000.00}. On the balloon note, the present outstanding balance is {$66000.00} the current interest rate is 11.450. Monthly payments are {$720.00}. 
I have tried on various occasions to have this refinanced, and it has been impossible. 
In as much as I wanted to be the cosigner for my daughter and her husband at the time. My wife and I ended up being the buyers and they told us that in six months that would change. It never happened. 
I need help! 
Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting 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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

Account # XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (NY)

due to unforseen issues, we took out an equity line on our home in XXXX at a rate of 4 % interest only the loan matured in XXXX and was purchased by flagstar bank we then applied for a loan modification with flagstar because we have suffered a financial hardship the monthly payment on our current 1st mortgage is approximately {$4700.00} including taxes and insurance flagstars offer for the modification was a 240 month note at an absurd rate of 6.5 % which is ridiculously above the current lending rates ... .and the monthly payment would be approximately {$3300.00} We had sent them all documents for our full financial disclosure and there is no way that we can afford more than {$8000.00} monthly towards mortgage commitments based on our net income flagstars only alternative was to press us to pay the full amount of the note which of course we can not afford and has not provided any alternative options we are stuck in our own mortgage crisis
Consumer complaint received 2016-08-08
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP (IL)

Elan Financial Services closed, I faxed a letter twice on XXXX/XXXX/16 and XXXX/XXXX/16 I was told they would reopened the account. I was told it was closed because there was cease and desist on the account, the supervisor never informed back in XX/XX/XXXX that they placed the account in no contact status. I found out today the account is still closed both faxes went through on the account. This has been a nightmare and it is affecting my credit, I have never been 30 days later or bounced any checks with them my last payment of {$180.00} posted to my checking account today. I gave the bank permission per my fax letter to contact me but now they are claiming I faxed in paperwork back in XX/XX/XXXX that states I cease and desist which I did not. I have a good customer but I ca n't get a straight answer from anyone, I have a copy of the faxed letter at home which I faxed twice. The account should have never been closed.
Consumer complaint received 2016-08-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NY)

Debt Collector ( s ), Obligors, Debtors XXXX and XXXX XXXX are attempting to collect an alleged debt of the Consumer. The named debt collectors are engaged in illegal acts by simulating a judicial court affiliated with the United States. The debt collectors were served numerous notices under federal consumer statutes but fail to comply. The debt collectors are attempting to seize the private property, consumer goods of the Consumer under the guise of Foreclosure which is not being performed in a competent judicial district under 15 USC 1692i. The debt collectors are not exempt pursuant to XXXX, XXXX under federal law. This debt collector is taking illegal non judicial actions in violation of the FDCPA, 15 USC 1692, Identity Theft, XXXX. The FTC has a report by the consumer.
Consumer complaint received 2016-05-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (NC)

I contacted Ditech, my current company, about refinancing my XXXX mortgage and the service rep that I was assigned to said I qualified for a XXXX refinance. And he stated that the only documentation that I would need would be a home owner 's insurance policy XXXX page. I currently have a 3.5 % interest rate with Ditech. I only owe 20 more years, and XXXX. They are quoting me a rate of XXXX, 30 year fixed, in which I have to buy down my rate??? ( which is higher than my current rate ) and tack on {$4400.00} in fees to save a measly {$110.00} a month and pay for 10 more years than I currently owe. This makes no sense. When I look online it says XXXX rates are XXXX percent not, XXXX percent. And on the XXXX website it says I should expect around 1.5 % in fees associated with the refinance, which would only be {$1700.00}, not {$4400.00}. I have sent them several emails asking why the rate is higher than posted rates ; I have asked why they are adding in {$4400.00} in costs, and they have not responded. I do n't think they should take advantage of homeowners in this way.
Consumer complaint received 2016-08-08
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MD)

After the demand was made for the necessary interior BPO for the short sale on my house, Ocwen hired XXXX XXXX XXXX XXXX XXXX ( not XXXX ) to do a mock appraisal of it. I had to beg the young ( XXXX year old ) non-broker ( who was probably not an inspector of any kind ) to take pictures. ( I saw the young man delete pictures from his phone before he left the premises, and they definitely looked like my interior house photos. [ Although, it may be that he did so after uploading them to a server ] ). I scheduled the BPO not realizing that our real estate agent could n't be there at that moment. Our broker-salesperson said based on the description of the incident and the very, very incomplete submission she and the buyer got word of, that he was probably a " runner '' ; a non-appraiser hired cheaply by the actual inspector to " run though '' the dirty work for that person 's convenience / opportunity to close more inspections in a shorter period for a higher income. Our broker and the buyer came in a couple more times to take their own pictures to be submitted to the bank and my XXXX Hope Program attorney. A pending complaint was launched with the DLLR. We know that Ocwen will try to get what they want ( as opposed to what 's equitable ) by any means. The inflated price they attached could have scared off the buyer had he not been able to negotiate skillfully. What 's at the crux of this is that we just found out that no one gets a copy of the BPO except for Ocwen and the bank, XXXX. We would have ( despite the expense ) put in for a BPO with someone we hired had we known that Ocwen could / would doctor the results to fit their own agenda. And the revised sale contract for the new amount on the house removes the provision of up to 90 days given at the buyer 's discretion for us to vacate the property. The previous contract made that provision. Also, we have found out about Dual Tracking, which definitely appears to have been done in our case.
Consumer complaint received 2016-08-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

I disputed inaccurate information to equifax in regards to my payment history with an auto lease ( XXXX ) acct # XXXX. I have never paid this account late. I just received a response that the disputed is finished and the results are ready to view. This information is still wrong. It is showing as paid as agreed with no past due but have negative remarks reporting on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX with a status code of XXXX on each month. This is wrong as the status codes should be removed. I 've disputed it with the other XXXX credit reporting agency 's and so far XXXX credit reporting agency has corrected it and removed the status codes. I am submitting this complaint to the cfpb because I ca n't get through to equifax and keep receiving the same response. This information is incorrect and I am complaining about it because it is affecting my credit score in a negative way. These XXXX negative code remarks should be removed. I was never late in paying this account.
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

The name of the bank is suppose to be XXXX XXXX XXXX XXXX instead on my equifax credit report it lists at XXXX XXXX XXXX. There is no contact information for this creditor on my equifax credit report.
Consumer complaint received 2024-08-30
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. (CA)

I have been a victim of identity theft and some of my accounts were compromised. After finding out about this, I immediately reported the concern to the credit bureaus. Some of the accounts on my reports are not even mine, some were used fraudulently causing unauthorized charges and negative remarks on my reports. Please delete this account and hard inquiry, they are fraud and not mine : XXXX XXXX XXXX - XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XXXX - XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. Fraud inquiry : XXXX XXXX XXXX XX/XX/XXXX These accounts were compromised and are reporting late because of unauthorized charges. I need your help in removing the negative remarks on the account due to identity theft. The compromised accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have attached my generated FTC from http : //reportfraud.ftc.gov/ as instructed by the bureaus. I have also included here my ID, social security card, and proof of address.