davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TN)

Called Mr. Cooper spoke with XXXX in Loss Mitigation she was very rude and short during the conversation I explained I received 2 different payments statements for a payment. I contacted them today checking status of the mortgage assistance application that I submitted. I have resubmitted my request for mortgage assistance because I have not received a mortgage modification based on my income. 
I recently filed bankruptcy and I'm wanting to get my mortgage payments back on track.
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

On XX/XX/2019, I mailed the attached documents to Equifax Information Services, LLC. and asked that they provide an original, signed contract from XXXX  XXXX   car company. If they couldn't provide me the information, I demanded they remove the item under FCRA 609 ( a ) ( 1 ) ( A ). The returned my investigation results as the account being verified without providing me the original, signed contract.
Consumer complaint received 2020-01-29
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)

Problems with transUnion issue : THE XXXX  XXXX XXXX/ XXXX  - account closed. never used.- 10 point down. 

Between XX/XX/XXXX and XX/XX/XXXX, your XXXX   XXXX XXXX  automotive account balance decreased by {$390.00} from {$2500.00} to {$2100.00}. no increase in points XXXX XXXX XXXX- hard inquiry. 21 pts DOWN to XXXX To accounts closed and credit keeps going down because TransUnion notifies the bad but not the good! 

Please update the payments history and closed accounts How much will credit inquiries affect my score? 
The impact from applying for credit will vary from person to person based on their unique credit histories. In general, credit inquiries have a small impact on your FICO Scores. For most people, one additional credit inquiry will take less than five points off their FICO Scores. 

XXXX XXXX XXXX
Consumer complaint received 2020-01-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (FL)

My account with Navy Federal Credit Union was recently permanently restricted on XX/XX/XXXX without any notice. I was advised the account was restricted due to a loan descrepancy. I have had my account for over 1 year and it has been in good standing without any problems. I am disappointed that my account was restricted without notice and no additional information given to submit an accurate appeal. I am sponsored by my sister XXXX XXXX who is a veteran as well so my membership should not be in question. I had just recently applied for a credit limit increase and line of credit which were both approved and have not had any issues with my account since its inception. I had over {$5000.00} in my account which had to visit the branch several times and speak with the security team for them to release my funds. I had just paid my credit card account off in the amount of {$2500.00} right before the bank decided to close my account. No one from the security department has given me any information as to why my accounts have been restricted. They have been very evasive in their answers.
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (NC)

Looking into my files noticed that there are several things that are not correct. First up my name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX, NC XXXX my SS is XXXX-XXXX-XXXX. My DOB is XX/XX/XXXX. Please delete any variations of my name. There are SS numbers that are not mine XXX-XX-XXXX, XXX-XX-XXXXplease delete. 
Please delete the following addresses they are not mine : XXXX XXXX XXXX   XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX, SC XXXX
Consumer complaint received 2020-01-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PENTAGON FEDERAL CREDIT UNION (FL)

I applied for a checking line of credit for {$5000.00} from Pen Fed but was denied citing " Limited credit experience '' but I feel I have been discriminated against due to my age. I believe the baby boomers who are processing these applications are jealous and will not believe that a Generation X young woman is making more than any of them in their entire career. 
My credit score with XXXX is XXXX ; XXXX  is XXXX ; and XXXX  is XXXX. I have a 100 % payment history with all of my accounts. My car loan was just refinanced by XXXX XXXX  and went from 11 % to 5 % because of my favorable credit history. I have a XXXX XXXX credit card in excellent standing with a {$0.00} balance of a {$1500.00} credit limit. I have an XXXX store account in positive standing. I have a XXXX credit card in positive standing. And a XXXX XXXX card with a {$0.00} balance in positive standing. My student loan balance doesn't exceed $ 10k and they are in positive standing as well. I work as a XXXX XXXX for XXXX XXXX and my annual salary is $ XXXX. Prior to obtaining this position, I worked as an entry level XXXX XXXX for XXXX grossing $ XXXX annually. I have no issues with my credit, no issues with my payment history or my ability to repay any loan and significant income coming in monthly.
Consumer complaint received 2019-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

LoanCare, LLC is a mortgage lender who makes loans secured by real estate in New York, including the law requiring it to pay borrowers a minimum of 2% interest on money put in impound escrow accounts. LoanCare appears not to do so, and the complaint claim that the company has violated New York's Unfair Business Practices Act and breached its contracts.1) I kept asking Loancare to remove me from having an escrow account and wanted to pay the property taxes and insurance myself. They refused to comply with my request, stating it was mandated. When asked to show where this is specified, no one provided specifics and my follow-up requests were ignored.My account history shows the following:XX/XX/18 $XXXX Interest on Escrow applied and then deductedXX/XX/18 $XXXX interest on escrow, but it's not applied.I called Loancare stating that the escrow was not paid and asked they correct it and apply interest on escrow towards the principal. Specifically, to NOT place it in escrow, as I was continuously trying to get Loancare to remove me from having an escrow account, so that I can pay the taxes and insurance myself. They did not comply.
Consumer complaint received 2019-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

In XX/XX/2019 CitiCard sent me a new card--I did not ask for a new card.  The new card was never activated.  Nevertheless, my Costco membership in the amount of $XXXX was charged to the card.  As I did know the card existed and it had not been activated, I did not see the bills or pay for the unauthorized charge.  Eventually I started getting collection calls from CitiCard.  So, I paid for the membership, $XXXX, in XX/XX/2019 and asked that under these circumstances late fees and interest be waived.  They did so as of the date of my $XXXX payment.  On my check for payment, and in a letter enclosed with the check, I clearly stated that cashing the check would acknowledge that this was payment in full for all charges incurred to date. XX/XX/XXXX/XX/XX/XXXX or thereabouts CitiCard  sent me a letter saying they had waived as I requested.I am now getting bills for late charges and penalties/interest, etc. that accrued after they sent me the letter waiving same.  I have complained to Citicard and they say that I still have to pay (letter received).  They have ignored their own correspondence and my check noted payment in full for all charges incurred to date.I believe this is fraud, to charge a card not activated and pursue late fees, interest, etc. after waiving same.
Consumer complaint received 2022-11-02
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. (SC)

XXXX XXXX XXXX XXXX with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (AL)

I received a letter from XXXX XXXX Mastercard informing me of changes to an account I never opened. 
They fraudulently opened an account called XXXX XXXX Mastercard without my permission apparently back in 2017. 
The employee on the phone would not provide me with information about closing the account or resolving the issue.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

We are in the process of purchasing our first home. Since XX/XX/XXXX my lender has been trying unsuccessfully to pull my Equifax score and report. The response from Equifax is that no FICO score or information is available for me, but when my lender tries to get my Equifax score I get a notification about an inquiry from Equifax. After many calls to Equifax they asked me to fax my drivers license, passport, W2 and social security card to verify my identity and to be able to look further on the problem. Today XX/XX/XXXX I received a letter from Equifax confirming that all my information is correct but still my lender cant pull any type of information. Called again today and Equifax will look into the issue again. Also I have an Equifax monitoring service, I can see my report using the service but my accounts have not been updated since XXXX, my student loan was updated recently on XX/XX/XXXX. None of the information Equifax is providing makes sense. My closing date is 15 days away and as of today this issue seems that it will put an end of my home purchase since I cant meet my closing date. 
Please help with Equifax, I only need my info to be update and report it to my lender, I have been getting ready for this day for years and all my financials are in place. Thank
Consumer complaint received 2022-11-02
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)

Good day. 

I called XXXX and spoke to them and expressed my financial struggle. I also explained to them that I am going to apply for the Biden forgiveness loan. She explained to me that she didnt have information on that and I could call back for more information. I spoke to them a second time prior to credit reporting, and I am sure the call is recorded and I was not informed as a matter of fact misguided and misrepresented with the information. Now I am showing 90 days past due on all my student loan information without a true representation of my conversation with them.
Consumer complaint received 2020-01-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo I am in to 10 of 24 payments to pay them off thrumy XXXX XXXX XXXX   program I simply want them to reflect my progress of paying them I have asked previously and on the countdown in resolving my debt which I am proud of my program in helping me thru my progress Thank freedom debt relief.I want Wells Fargo on my credit report to show paying off please!!!!
Consumer complaint received 2020-01-29
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (HI)

Due to injury since XX/XX/XXXX, I wasn't earning an income and could not pay my mortgage. Chase Bank agreed to grant me a Forebearance Plan until I returned to work full time, then proceed with a Modification. 
I have faxed the entire required application on XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX - expressed mailed on XX/XX/XXXX. Each time, the entire application EXCEPT our signature page was received. The entire application has been again sent, by email today XX/XX/XXXX. Chase has not confirmed this receipt. 
To date, I have spent nearly {$100.00} on copies, faxing services and postage to Chase for my Mortgage Modification Application and to make time to send my documents. 
I am very angry and betrayed knowing our SIGNATURE PAGE HAS GONE MISSING EVERYTIME! I have always responded to Chase in good faith and in a timely manner regarding this Modificationm process I do not understand why the Signature page goes missing EVERYTIME! One would believe it should have been received and processed on the above dates or afterwards as it has been sent to Chase via different methods! 
I have asked many times for advice or a solution to ensure receipt of documents by Chase and was not offered any solution except to keep resending the entire application. 
I am utterly frustrated and don't know where to turn for assistance! 
I hope you can resolve my problem. 
Sincerely, XXXX XXXX Chase Mortgage Loan # XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (TN)

While viewing my credit report I noticed an inquiry that I didnt authorize! Ive never applied for any product with this company, nor have I entered into any contracts, provided any signature, or ID! This inquiry is damaging my credibility and should be removed immediately!
Consumer complaint received 2020-01-29
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. (GA)

The XXXX XXXX XXXX XXXX ( XXXX ) is currently reporting my consumer account between 30 and more than 120 days past due for four months to all three ( XXXX, TransUnion, and XXXX  ) credit reporting agencies. The resource ( a XXXX XXXX XXXX XXXX ) for  this account has been associated with a civil litigation matter since XX/XX/XXXX. My commercial encountered a breakdown in XXXX XXXX, Arkansas and my Emergency Roadside Service dispatch a towing and wrecker service versus a certified repair mechanic who caused additional damage to my commercial vehicle. The towing and wrecker company was negligent in the mechanics repairs and performed deceptive maintenance practices in their explicit charges for the repairs ; they attempted to charge me more than {$8000.00} for two tows and a single-axle ( right rear ) repair. As a result, I was required to stay in a hotel for more than 2 1/2 month as I attempted to rectify this matter through local agencies ; but, caused me a severe financial hardship and the inability to make payments ( over {$800.00} ) on this account for four ( 4 ) months. To prevent the account from going into foreclosure and eventually repossession, I have been able to make payments on the account for the previous seven ( 7 ) months through my personal financial account. Fortunately, the Representatives of the XXXX XXXX XXXX XXXX have worked with me and allowed me to make payments at the end-of-the month versus on the XX/XX/XXXXof the month. However, they haven't been willing to remove the negative reporting for the four-month negative reporting ; even as I have informed them of my circumstances. In addition, the XXXX is holding a check ( more than {$3000.00} ) which still requires my signature ; and are only willing to post the check to the principle of the outstanding loan since the check was issue for repairs. In reverse, the truck is still not repaired and I would not trust any additional maintenance by the towing and wrecker company as theyre mechanics are not certified diesel mechanics ; nor is the business a certified repair facility. Yet, the truck is still not repaired I will have to transport it to a true repair facility upon completion of the litigation process. Also, XXXX  four-month negative reporting is causing my inability to obtain credit which is much needed for financial support for additional attorney fees and other legal expenses.
Consumer complaint received 2019-11-17
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: EQUIFAX, INC. (IL)

I sent a police report in to XXXX and XXXX quickly contacted them and received it and began updating my credit file and removed fraudulent information. When I tried to get Equifax to do the same, they blocked my online privileges to do so online and made it impossible for me to upload supporting documents by disabling site privileges on my end. The sites code would be disabled whenever I logged on via my equifax account. I asked them to update my information and they refused to even after mailing evidence in from homeland security, FTC, and asking them to contact the other agencies for a police report. I kept asking them to dispute the fraud and errors on my report and was ignored. Instead they added a false account this week to my credit file trying to prevent me from accessing higher education loans a week before enrollment. While there is no payment history for the fraudulent account they have ignored my requests to remove it even after providing evidence of apparent fraud. The other 2 agencies removed it and I kept asking them to update their credit file accordingly and I was ignored. I asked for a copy of my credit report to be sent three times and never received one. Please assist me in this matter as I am being provided poor customer service.
Consumer complaint received 2020-01-29
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. (GA)

The XXXX XXXX XXXX XXXX ( XXXX ) is currently reporting my consumer account between 30 and more than 120 days past due for four months to all three ( XXXX, XXXX, and Experian ) credit reporting agencies. The resource ( a XXXX XXXX XXXX XXXX XXXX for this account has been associated with a civil litigation matter since XX/XX/XXXX. My commercial encountered a breakdown in XXXX XXXX, Arkansas and my Emergency Roadside Service dispatch a towing and wrecker service versus a certified repair mechanic who caused additional damage to my commercial vehicle. The towing and wrecker company was negligent in the mechanics repairs and performed deceptive maintenance practices in their explicit charges for the repairs ; they attempted to charge me more than {$8000.00} for two tows and a single-axle ( right rear ) repair. As a result, I was required to stay in a hotel for more than 2 1/2 month as I attempted to rectify this matter through local agencies ; but, caused me a severe financial hardship and the inability to make payments ( over {$800.00} ) on this account for four ( 4 ) months. To prevent the account from going into foreclosure and eventually repossession, I have been able to make payments on the account for the previous seven ( 7 ) months through my personal financial account. Fortunately, the Representatives of the XXXX XXXX XXXX XXXX have worked with me and allowed me to make payments at the end-of-the month versus on the XX/XX/XXXXof the month. However, they haven't been willing to remove the negative reporting for the four-month negative reporting ; even as I have informed them of my circumstances. In addition, the XXXX is holding a check ( more than {$3000.00} ) which still requires my signature ; and are only willing to post the check to the principle of the outstanding loan since the check was issue for repairs. In reverse, the truck is still not repaired and I would not trust any additional maintenance by the towing and wrecker company as theyre mechanics are not certified diesel mechanics ; nor is the business a certified repair facility. Yet, the truck is still not repaired I will have to transport it to a true repair facility upon completion of the litigation process. Also, XXXX  four-month negative reporting is causing my inability to obtain credit which is much needed for financial support for additional attorney fees and other legal expenses.
Consumer complaint received 2019-12-31
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: Alpha Recovery Corp (WA)

I have a credit alert on my credit and a bill for {$8900.00} from Alpha Recovery Corp popped on my credit. I called and I spoke XXXX XXXX and her supervisor XXXX XXXX and confirmed that they had the wrong person, by way of social security number and date of birth. The last four of the social are similar but the full social is not mine. I put a dispute through XXXX and with Alpha Recovery Corp and they are fighting me on it. Please help me to clear my name with this company thank you. When I spoke to them they mailed me a copy of the rental application ... The information attached doesnt belong to me. I have attached the application.
Consumer complaint received 2022-11-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

This is a follow up to three prior complaints submitted against this company. I am under a 12 month repayment plan. I have one final payment to make and then I am expected to make a $ XXXX balloon payment. A loan modification was provided as an option when I began this repayment plan. I have applied for this loan modification twice, and was denied, without explanation. The customer service representative, XXXX, was clear that the investor has provided no reason for the denial.