davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In XXXX 2017, I requested assistance of my current mortgage servicer Capital One, after complete a full Request for a Loan Modification Package with my HUD Certified Housing Counselor, including evidence of my hardship as the XXXX XXXX illness of my daughter and my reduced income as a XXXX XXXX, my mortgage servicer, requested so many times, so much more information, including almost daily phone calls even they already had all explanations why I had fall behind on my mortgage payments. Trying to act responsibly, I been sending during this last 8 months as much money as I can from my XXXX XXXX XXXX ( I am XXXX years old ) and my activity as a XXXX XXXX ; reason why, until today I am only two months behind on my payments. However, my commitment and responsibility never were accomplished by Capital One, this week, they denied my request for a Loan Modification and instead only offered me the option of Short Sale or Deed in Lieu of my property. NO REASONS OF DENIED WERE STATED. In addition, this case in the opinion of my housing counselor has some weird facts, like a letter received from Capital One, where they referred to my ownership rights ( this letter was immediately responded by my counselor, stating that I never had or have the intention to transfer my home ownership rights. Also, there have been several questions initiated in a persisting way from Capital One, Account Manager, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX. XXXX ) in regards my race and nationality, still I ask myself if that is an important piece for a mortgage decision??? XXXX XXXX XXXX from Capital One, never respond the many phone calls made by my housing counselor. Today, a complaint was initiated with XXXX XXXX, my mortgage investor in regards of this unfair procedure of my mortgage servicer. My housing counselor and I consider that a loan modification approval is a common sense decision, that my current finances evidence my hardship, but at the same time allows me to stay on my property if my case receives a fair review. This is why I am asking for ... ... ..
Consumer complaint received 2017-08-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CA)

Hello, I 'm not sure if this is the way to handle this, but I 'm not sure what other resource to use. I had my mortgage with the charming Flagstar Bank. They took my home, and this is after me attempting four times to refinance it. They lost my documents every time, told me to resubmit, etc. etc. I did receive a settlement from them ( you ), twice. My question is, am I going to receive any other money? Because I lost over {$150000.00} ( cash ; the house was worth more! ) and I have only received back less  than approximately {$40000.00}. The most recent check number I have received is XXXX in the amount of {$1800.00}. The tracking number is XXXX. It was issued regarding the civil penalty fund third-party administrator regarding Flagstar Bank. I appreciate all that you have done so far, I really was n't expecting anything, and I think it 's horrible that they 've gotten away with what they have and they are still even allowed to be in business when all the rest of us have lost our home that we worked so hard to get. Frankly I think every little last dime they have should be given to consumers and they should be put out of business as a penalty. However, evidently things do n't work that way in America and the small guy, the consumer gest XXXX. That said, again, I appreciate every single thing you 've done. I would however like to know if this was the final payment or if there will be more disbursement in order to help me recover from what has been a horrible experience and which ruined my credit and of course lost my home. If you would please let me know as soon as possible I would really appreciate it. Thanks for being on the consumers side.
Consumer complaint received 2017-08-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Bastion Consumer Funding I, LLC (TX)

Original Creditor is : Bastion Funding, then transfered to XXXX XXXX XXXX. The payday loan is balance credit and they are killing me with high rates and fees. I am struggling monthly to payoff the loan and I can no longer afford to due to loss of job. I took out a loan for {$400.00} and they are asking me to payup {$2000.00} ( according to the information provided to me by the collection agency-National Credit Adjusters ). I do n't know what to do at this point because I want to pay it but it 's too much for me to handle.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (DC)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2017-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I submitted my deferral paperwork in a timely manner ( prior to deadline ) and I followed up with them several times via telephone. I was told they had the paperwork and that it was in process. I was shocked to find out that it was on my credit report. I was reassured many times that it would be processed timely and not be reported on my credit.
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Creditrepair.com, Inc. (LA)

i was told that credit repair would be able to remove all of my negative items within 9 month and it has been much longer than that. i was not told i had to get stuff notarized in the beginning of me joining.
Consumer complaint received 2017-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NRA Group, LLC (NY)

I have been working with XXXX since XX/XX/XXXX. They successfully removed several negative items from my credit report. Within the last 30 days XXXX XXXX XXXX has put 5 collection accounts back onto my XXXX and XXXX credit report, and 2 accounts back on XXXX that were removed. That is 12 negative collections that were removed, that were put back onto my report ... ..They changed that Account numbers, but they are identical accounts, amounts, and open dates .... Removed From on : XXXX XXXX XXXX XXXX XXXX XXXX - {$4300.00} - XX/XX/XXXX XX/XX/XXXX No date listed but removed XXXX XXXX XXXX - {$890.00} - XX/XX/XXXX XX/XX/XXXX No date listed but removed XXXX XXXX XXXX - {$110.00} - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX - {$120.00} - XX/XX/XXXX XX/XX/XXXX No date listed but removed XXXX XXXX XXXX - {$110.00} - XX/XX/XXXX XX/XX/XXXX No date listed but removed I know three accounts were removed from XXXX around XX/XX/XXXX, but i 'm not sure which ones as i am waiting on XXXX XXXX to send me a more detailed report then what i currently have access to. I can provide that report once I am in possession of that. XXXX XXXX added these removed accounts back onto my credit reports under different account numbers on : XXXX XXXX XXXX XXXX XXXX XXXX - {$4300.00} - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX - {$890.00} - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - {$110.00} - XX/XX/XXXX NA XX/XX/XXXX XXXX XXXX - {$120.00} - XX/XX/XXXX NA XX/XX/XXXX XXXX XXXX - {$110.00} - XX/XX/XXXX NA XX/XX/XXXX This is UNETHICAL and harassment ... ..I have worked very hard to get these medical collections removed from my credit report, and I have paid a lot of money to XXXX XXXX to do so. XXXX XXXX confirmed that the origional accounts all started with 3 ... .Now the duplicate accounts all  have account numbers starting with 8 I am attaching a credit report from XXXX XXXX XXXX with the original accounts numbers starting with a 3, and a report from XXXX XXXX showing that this company created duplicates of these removed accounts with different account numbers starting with 8 .... I want XXXX XXXX aka XXXX XXXX XXXX to be investigated, and to take every step possible to shut this type of company down!!!
Consumer complaint received 2017-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Despite an account being closed for over a decade, XXXX XXXX XXXX is reporting a CURRENT foreclosure for the month of XX/XX/XXXX on my credit reports at the XXXX, Experian and XXXX consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, the account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over ten years old and must be removed from my credit report.
Consumer complaint received 2017-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

In XXXX XXXX, I decided to pull my credit report. I found that there was a debt listed from National Credit Systems in the amount of {$5200.00}. I disputed this with the credit bureaus and asked that they send me supporting documents as to why this debt is listed on my credit report. They responded by saying that the debt has been verified with no actual verification documents. I was simply confused because this is not my debt and I was not sure what to do. I finally looked at my credit report again and noticed it was from XXXX XXXX XXXX XXXX and shows that the account was opened on XXXX/XXXX/XXXX. I had just moved out of a property XXXX/XXXX/XXXX but this lease was under XXXX XXXX XXXX and NOT XXXX XXXX XXXX XXXX. I moved out of XXXX XXXX XXXX on XXXX/XXXX/XXXX and signed a lease for my current residence on XXXX/XXXX/XXXX. I moved out slowly and made sure the residence was in top shape before vacating. I have never broken a lease nor have I damaged any properties. I am not sure why XXXX XXXX XXXX XXXX and National Credit systems has this massive debt listed on my credit report but I would like it removed as soon as possible. I have attached for your convenience the notice to vacate receipt that was sent to me from XXXX XXXX XXXX, my lease renewal for my current residence showing when my lease first started, and a page of my credit report that shows this collection from the collection agency National Credit System and the original creditor XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-06
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. (CA)

XXXX, XXXX, TRANSUNION are showing late payments where none existed. Documents attached include ; 1 ) XXXX CUSTOMER STATEMENTS, SHOWING ZERO LATE CHARGES AFTER XX/XX/XXXX AND SOONER WHEN ... .... . 2 ) XXXX REFUNDED 100 % OF LATE CHARGES AS SHOWN ON THIS XXXX STATEMENT ON XX/XX/XXXX ... .. AS SETTLEMENT OF 100 % OF LATE CHARGES AND ALSO PRIOR TO XXXX ... .AS ... SETTLEMENT OF A LONG RUNNING DIPUTE, 3 ) A LETTER FROM XXXX CONFIRMING WAIVER OF ALL LATE FEES ON THE XXXX 4 ) Not clear they have not confused account numbers, the enclose statement from XXXX HAS CORRECT AC #
Consumer complaint received 2017-08-08
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. (CO)

I have XXXX along with XXXX at XXXX XXXX since XX/XX/XXXX at which day failed to provide me with information on the income based repayment program as well as Ombudsman group advise them to remove all credit reporting on payment history prior to my bankruptcy on XX/XX/XXXX and they still after 2 years of complaints have failed to do so which is causing a negative effect on my credit bureau as well as fifteen years now in late fees repayment for XXXX 's deferment they never once advised me of the option of income based repayment program which makes my account balance a XXXX amount owed every month due to the fact of being a single mom of XXXX children. So I want to file an official complaint against baby and in regards to never vitamin all information which could have assisted in repayment options for the last 15 years as well as increase balances of {$5000.00} in the last 15 years as well as late fees and they refused to advise me of the information in regards to trying to include myself in the mass litigation against XXXX
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

As I described in a earlier complaint XXXX about XXXX and their unfair reporting by allowing ANY ONE OR ANY BUSINESS ENTITY CHECK MY PERSONAL CREDIT WITHOUT MY CONSENT OR KNOWLEDGE THE COMPANY STILL ALLOWS THE INQUIRY TO STAY ON MY REPORT FRAUDENTLY. I had to go to the local police agency and file a police report on fraud that these inquiries were checked without my consent or knowledge. I had to fax in a cover letter and the report and the listed complaint number I made with this agency on XXXX 's unfair business practices. Now, this complaint is on Experian and is even worse of a business practice. I called XXXX today on X/X/17 and told her the way XXXX fraudently checked my personal credit with out my consent or knowledge and that i did not even know the other company springleaf financial services at all what so ever and that from my past experience with XXXX I needed to obtain a fraud police report indicating that these were on my hard inquiry as fraud and needed to be removed asap because these false inquiries lower credit scores. I was told by XXXX at the Experian fraud department that I would have to go ask the companies in question to remove these inquires. I told her I have and have spent hours on the phone with XXXX and called XXXX XXXX and XXXX just put me on hold and switched me from department to department ultimately they hung up on me. XXXX when I called said they knew nothing of me and they could not do a thing to help me because a signature or some kind of authorization would be needed and I was not able to be found in thier system. So, Experian will not accept any other method of removing these fraudently made hard inquiries with out XXXX OR XXXX FULL CONSENT TO DO SO. I have to admit this is very very bad in light of all the idenity theft and abuse going on. I would like this Federal agency to refer this to the FTC ON BOTH XXXX and Experian on thier bad and unfair business practices. What I mean by unfair is that since anyone or anybody can pull anyones credit without consent or any penlity and hurt and diminish the innocent and now a victims credit score is very unfair to say the least. Please investigate Experian and XXXX on these unfair and bad business practices. the only thing I noticed the credit reporting agencies will do is sell the victim a idenity theft package for money and protection. I think that since these reporting agencies know and allow this unfair behavior go on and do nothing about it, they should have some obligation to validate the truth and what or who is trying to check and pull credit reports. These reporting agencies sure have alot to sell you, so maybe that is why they do not do a thinf to help you when the tax paying citizen becomes a victim.
Consumer complaint received 2017-12-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (CT)

We moved from an apartment ( XXXX XXXX, XXXX, CT ) XXXX 2017 and were told we 'd receive a statement that identified what had to be repaired prior to leasing the apartment again. ( We had the walls painted while living there and were told we have to pay to have them repainted white. ) That was fine - the office at XXXX XXXX said we received an statement that included the itemized cost. Then we were told the carpet would have to be replaced as well. ( I thought this basic maintenance but okay ). We kept the apartment in excellent shape and were told by the XXXX XXXX Office Manager, XXXX, that cost would properly not exceed {XXXX}. Plus we had our security deposit to apply. 

After we moved I called the office at XXXX XXXX ( XXXX - Lease Manager ) told me I 'd received an itemized bill with the breakout of cost and that my security deposit would be applied. The office had my new address along with my email address so I figured I 'd received something soon. I never received anything and had called the office in XXXX or XXXX to let them know nothing had been received. I confirmed again my address and assumed I 'd receive a bill with the security deposit applied to the total cost. I never received anything. 

In XXXX I received a notice from Rent Recovery Solutions that I owed {$XXXX}. I am still waiting to receive the itemized breakdown from XXXX XXXX as to exactly what is owed and where my security deposit was applied. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Consumer complaint received 2018-09-30
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: Movement Mortgage LLC (NC)

My credit was pulled by Movement Mortgage on XX/XX/18 and I received an email from the agent on XX/XX/18 informing me that I did not meet the required XXXX required to qualify for a mortgage loan. He further went on to advise that the next communication I would receive would be from an agency advising what I needed to do to increase my credit score. I was initially upset about this, because I was opposed to having my credit pulled and I was basically urged by Movement to have it pulled. I have a very clear picture of my financial position, and I informed the agent that I didnt want my credit pulled at that time because I wasnt in a position to buy a home at that time. I was encouraged to call Movement Mortgage in regards to a credit repair program. Nevertheless, there was no follow-up with any further information as promised. I was then asked by a buyer 's agent if I would mind speaking to someone else in another Movement Mortgage Office. I said sure, whoever is going to be able to guide me and get me the help I need. 

I received a call within the next day or two from another agent. I was upfront with this individual just as I was with the prior agent. The new agent ask me several questions basically confirming information I provided on my previously submitted loan application but never did we discuss submitting a loan application or pulling credit, because the other office had already pulled credit on XX/XX/XXXX. I am disputing both credit inquiries and would like them removed immediately, because the services that Movement presented and the end-goal was totally misrepresented as presented to me. 

The second agent asked me several questions during our phone conversation, and any information obtained was for the sole purpose of identifying me so that he could retrieve my credit file in Movements system since he did not work in the same physical office as the prior agents. There was never a discussion, nor did I express an interest in submitting a new application. The main concern that I expressed was trying to determine how the middle score was obtained through the first office in my denial with no explanation, because I knew my credit score should be higher. I simply wanted to know if credit scores for mortgages were determined using a different method than general credit applications, and I clearly explained that to the agent. I authorized the credit pull on XX/XX/XXXX however the XX/XX/XXXX pull was completely and totally unauthorized.
Consumer complaint received 2017-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (DE)

Navient on several occasions has redirected me to use forbearance rather than provide me with a low-based payment option.     Anytime I tried to submit my request electronically it would repoint me to the forbearance options.     I have negative reporting on my credit that includes excessive fees and charges of interest on the loans.