davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-03
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: Commonwealth Financial Systems, Inc. (TN)

This collections that are appearing on my account are invalid. I sent the previous collection company that held these accounts a debt verification letter on XXXX XXXX, 2017. The previous company was unable to valid the debt and they deleted these accounts from my credit report. Recently, these accounts have reappeared on my credit report under a new collection agency.
Consumer complaint received 2017-11-06
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. (WI)

I am disputing an account on my Experian credit report that is inaccurately reporting. The inaccurate account is XXXX and today, XXXX/XXXX/XXXX, I received an alert that a new collection was added to my credit report. I have been disputing this account for about two years so this is not a new collection. I want this error corrected immediately! It seems as if this collection was just added to my report today when it has been reporting for about two years. This has caused my score to drop. Despite this inaccurate information reporting I have continued to build good credit and increase my score. I should not be losing points due to an account reporting inaccurately. Furthermore, I have no business with this company and this account should be deleted altogether. Experian continues to say this account is verified, however they refuse to provide information on how this account was verified as accurate. Experian said in their own words that information was supplied from the creditor and I quote " Experian supplies this information upon request to qualified users of this information. '' I have requested method of verification numerous times to no avail. Experian always gives me some bogus, generic response that does n't make any sense and does n't have anything with what I requested. Per FCRA Section 611 I have a right to request method of verification and if not I do not receive a response within 15 days this information must be removed from my credit report. Well if you count all the times I have requested method of verification this should have been removed from my credit report. I was a victim of identity theft around the same time this account reported hence why there is a fraud alert on all of my reports with all three bureaus. With this data breech and XXXX knows what else is going on, I would think this company would take my disputes more seriously and be cautious of the information reporting in my file. I know mistakes happen but it should not be at my expense. Please remove this inaccurate information from my report and send me an updated copy of my credit report once this has been completed. Thank you.
Consumer complaint received 2017-11-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (AL)

I received a Notice of Default and Notice of Intent to Foreclose via USPS from ( SLS ) on Thursday, XX/XX/XXXX. I have questions and concerns about the actions that are being taken concerning my mortgage. I was not aware that a Servicer ( SLS ) can foreclose on your home if you have applied for a modification, and I havent heard or received anything in the mail on the status of the modification. Can you please clarify this matter for me?
Let it be noted that on XX/XX/XXXX I applied for another loan modification due to me not getting the other papers notarized in a timely manner which was a result of me being out of town at the hospital ( XXXX ) with my daughter. In your letter that was sent to me, it stated that if missed the deadline to reapply, and thats exactly what I did. So, I sent in another complete application with a letter attached explaining why I was reapplying, and I listed that I included two recent bank statements, a recent pay stub, and the XXXX in the packet all of which had the loan number on each of the documents and these were the same exact items that I had to submit before.
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I had a medical bill that was assumed by myself in the amount of {$420.00} that was paid in full. I disputed the claim after the creditor agreed that I would pay the amount to delete from my credit report. After waiting 60 days, I contacted the bureaus ( XXXX, Transunion, XXXX ) again. The reason am I now filing a complaint is they have notated my account falsely and severely hurting my chances of obtaining new credit. 

They have put remarks into my account that I have received " Personal Receivership - Repayment by Court Trustee '' in paying this debt. NOT TRUE. I have NEVER even been to court, let along filed bankruptcy. I have no record of any other collection except for this account amounting in {$420.00} that I paid and submitted receipt for from my XXXX card. 

When I bought my vehicle 2 months ago, they came back to me about a bankruptcy!!! I was appalled! I have called the bureau several times, and disputed this account 4 times now. I will be obtaining a lawyer and moving forward with this, as this is hurting my livelihood. I have worked hard to earn the credit that I have, and now this is slamming me and my integrity into the ground. I have attached receipt to original debt that I paid with my XXXX card.
Consumer complaint received 2018-05-20
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I applied for Capital One Spark Business Card. When I applied I never put my personal social security on the application I only put my EIN number on the application and Capital One pulled my personal social security without my consent. I would like for capital one to remove there inquire on my personal credit report for the date of XX/XX/18. How they got my personal information I do not know because I did not put my date of birth nor my social security number on the application.
Consumer complaint received 2018-05-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (IL)

I want to start off my stating that I have very much enjoyed Nelnet 's  assistance regarding my loan and have never had any issues until JXX/XX/2016, I did not receive word from Nelnet that my forbearance was to expire. I looked through my emails and found no correspondences. Which is unlike Nenlet because they have always contacted me with any concerns regarding my loan. 

It seems I have about 12 missed payments? These missed payments are around the time I had lost my cousin and my family fell on hard times. I was the main breadwinner considering my cousin and my dad whom is XXXX lived with me so there were so many changes going on within the family. When I saw the missed payments, I was so upset. I had never missed any payments. I mailed in a letter for deferment but it seems it never reached Nelnet. 

Ive recently acquired a decent paying job and will be actively paying off my loan debt. As you see, the last couple months I have been paying off the loans on time and I've even paid off an extra amount.
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I

completed a 36 month lease agreement for a XXXX XXXX XXXX   with XXXX XXXX XXXX XX/XX/XXXX. Vehicle was turned in with 0 payments due. 45 days later While XXXX XXXX XXXX   had possession of said vehicle, XXXX XXXX XXXX   was given a detailed inspection list of wear and tear for end of lease damage. XXXX XXXX XXXX in returned billed me XXXX. I wasnt offered a new contract stating the terms of repayment for the end of term damage. I PAID the XXXX and a negative report was still reported to all 3 credit bureaus. The 45 days it took to create the damage report would definitely show that the XXXX bill wasn't a monthly payment. I've disputed error and I'm told account is mine, which I never denied being the leasee of the XXXX XXXX XXXX.

as of XX/XX/XXXX XXXX XXXX XXXX still reports to the credit bureaus a car payment that was 60 days late. This is not fair. 7 years later I am still requesting they delete all history good or bad of this account from my credit report. Im requesting new laws on how fees accumulated at end of lease are collected.
Consumer complaint received 2017-11-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (CA)

Hide termine in contract {$2600.00} in XXXX XXXX/XXXX/XXXX, but the rates is to high is impossible because i have XXXX XXXX i do n't have te money is more {$200.00} every 2 week rate is almost {$8000.00}
Consumer complaint received 2018-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Massachusetts Educational Financing Authority (NH)

MEFA loans and XXXX mailed me four physical letters ( I have four open accounts with them ) dated XX/XX/XXXX. These laters stated information about my repayments such as the payment options, estimated monthly payments, and when my first payment due date would be. It was stated in writing that my monthly payments were to begin on XX/XX/XXXX. 

Recently, XXXX XXXX XXXX acquired XXXX and sent me four new physical letters that now claim my account is 60 days overdue and has now been sent to a collection specialist. When I reached out to them about this issue I was told that they have " no idea why MEFA would send me anything about payment options when it is not even them who I am repaying '' but that it was also not them who sent the letter. I was told to call MEFA so that they could explain it to me as I " just was n't listening '' to what the XXXX specialist was saying. The " specialist '' I spoke with refused to believe that MEFA would send me a letter even though the new letters from XXXX are also stamped with MEFA in the letterhead. 

I am now aggravated that I have been preparing to begin making payments in XX/XX/XXXX only to find out that I owe thousands more for past due payments. Even more so, XXXX refuses to even hear me out on the situation or help me come up with a plan so I can reasonably pay back my loans.
Consumer complaint received 2018-05-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC. (TX)

Around XX/XX/2014 I obtained a loan from Exeter finance to acquire an XXXX XXXXXXXX XXXX. Months after I obtained the loan my parents house was about to get foreclosed on. I called Exeter finance and asked if I could make 2 late payments due to unforeseen  circumstances. The customer service representative said that she could do better than that. She told me that she would put my next 2 monthly payments at the end of my lease so that I don't accumulate late fees. It seemed like a very simple task until not even 6 weeks later my car was repossessed for non-payment, a payment in which was agreed would be moved to the end on the loan. I called and tried to get everything sorted out and they told me they didn't receive my agreement, I sent them the information showing them the agreement and the representative told me it was too late and that I would have to pay almost {$4000.00} in fees that were assessed. The company illegally repossessed my car for purposes that were the fault of the company and weren't willing to take the blame or make it right by returning my vehicle even though they acknowledged their fault in it. The company therefore broke an agreement made between the company and consumer and it needs to be remedied. I have contacted XXXX  as this item should have never went on my credit report, it is a fraudulent loan due to agreement terms being broken by the company. If this item isn't removed from my credit report, I will be pursuing charges and contacting the FTC to pursue fines for unfair and unethical practices.
Consumer complaint received 2017-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP (TX)

On my XXXX XXXX Mortgage Statement, I had a charge of {$18.00} for taking photos of my home. I have never seen that, so I turned the statement over and it stated that photos are taken of your home is your home is in default. PROBLEM! MY HOME IS NOT IN DEFAULT NOR HAVE I EVER MISSED A PAYMENT. I looked into my account online and it was noted that the transactions of {$18.00} occurred twice. I never received a phone call or email from the company regarding the mistake, only the that someone from Bank of Texas has been in my account twice.
Consumer complaint received 2017-11-05
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. (WV)

Equifax says my credit file is blank. On XXXX XXXX they fixed the problem while i was on the phone. 2 days later on XXXX my credit file is blank once again. XXXX and XXXX is fine. I also signed up for their trusted premier service. This has been going on since XXXX XXXX i have 5 new credit inquirys that say credit report not found.
Consumer complaint received 2017-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (DC)

I bought a new coop unit in XXXX. I have repeatedly asked PNC Bank to set me up for paper statements and they have yet to do so two months later. My mortgage loan is # XXXX. All I need is for them to mail me paper statements to the property address.
Consumer complaint received 2023-05-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2018-05-20
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. (NY)

XXXX XXXX reported a charge off for XX/XX/XXXX payment and failure to pay I paid that account amount XXXX every month they continue to report both account one which is paid off delinquent and negative and bad credit charge off Ive been with XXXX XXXX for 27 years with out a miss payment a disagreement over a statement and payment cause them to bring me to court I never reicieved a court order in mail paid a lawyer who took my money had to deal with XXXX and XXXX law firm even them knowing I had a lawyer also payments were made out of my XXXX check which is XXXX dollars I tried in vein to make payment to the point off having someone call in payment s to law firm so payment date various due to them the collection law firm putting the payment through this ruined my credit and my life 32 years of credit 100 % payment history ruined and still XXXX XXXX n law firm continue in tased practices
Consumer complaint received 2017-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX shows a drop in my credit score from XXXX XXXX, XXXX through XXXX XXXX of 31 points without any explanation. In the past I 've been able to review if any credit applied for or other activity that would cause a decrease or increase in my score. I call XXXX and they sent a summary, but did n't address the reason for the drop in points. Transunion later drop my score XXXX XXXX, through XXXX, XXXX 32 points without any explanation through XXXX XXXX. I just want to know what cause my score to be effected.
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Siggi LLC (TX)

This company keeps reporting on my credit an account that I do not owe them on. I have contacted this company numerous times requesting information ( identification used, signatures, ect ) that was obtained in establishing this bogus account. This company has not removed this item from my credit, now have they provided any identification or signatures used to establish this account. The company is involved in illegal practices including re-aging credit. The company told me that they are not bound by the same fair credit reporting as any other agency and do not have to take false items off my credit report. I have disputed this item with XXXX  and they are not doing a thorough investigation because if they have, it would be removed from my credit as this item is false and this company is irrational, uses unfair practices against consumers, and thinks that they are above the law.
Consumer complaint received 2018-05-19
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: Riverwalk Financial Corporation (MO)

XXXX XXXX XXXX. XXXX Texas, is trying to collect money from me that is fraudulent. Opened no new accounts in XX/XX/2018. They say I owe XXXX but I have receive any letters or phone calls from this company telling what this false debt is about. It is currently on my credit rating. Liars. How can they do that with no proof or documentation? Guilty until I prove myself innocent?
Consumer complaint received 2018-05-19
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)

XXXX XXXX XXXX XXXX is reporting that i am 115 days pass due on an auto loan. They submitted the incorrect information to my gap insurance that is refusing to pay for a vechile that has been declared a total loss. In XX/XX/2018 they mailed me a letter stating that my report has or will be suppressed until they receive payment from my GAP insurance company, but they have been reporting anyway. I have contacted all three credit bureaus that they are reporting incorrect information. I submitted the letter for them to delete the information and they refused to delete it. It is hurting my credit tremendously, by showing that i am 115 days pass due.
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hello, For the past couple years I had 2 credit cards from Capital One together with my wife, I'm having this problem that the SS # that I have is an GHOST, nothing is been report to the credit. 
I have paid off both of those credit cards - now I have another credit card with capital one and again not reporting to the credit I'm the credit card holder and my wife is the authorized user it has been over 5 months, I'm not able to buy an house because of this problem. 
I don't know what to do anymore because of this issue is affecting my life. 
Please guide me what should I do about this, me and my wife have contact capital one several time and nothing have been done. 
me and my wife have contact the 3 credit bureaus about this issue and again nothing can be done the credits says that under the credit my SS # is a GHOST.
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have called each Bureau numerous times to correct my name and address.They are reporting my name incorrectly also my address. My names has the incorrect spelling. They have address I have never lived. I asked to just update with current address and delete those that I have never resided and nothing happened. I called and sent in letters. I have also sent in 609 letters requesting accounts to be verified and they mail me back a report stating updated. I requested each bureau proof on paper to be mailed to me of each account showing to be verified and updated. If they can not provide that proof they should delete it immediately. All this is what i sent in my 609 letter. I received no verification from any account. I want all to be deleted and my name and address to be correct. This is taking a toll on my financial situation. I want what belongs to me and everything that is not mine to be deleted. I want accuracy. I am fighting for my report to be correct and they are ignoring me. I want proof of every account they have, that is supposedly mine. I want my name to be correctly spelled. i want my address to be correct and every address not mine gone. I want the correct social security number on there. I just want accuracy.