davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2023-07-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc. (MS)

I was given a deferral with Carmax Auto Finance in XXXX of XXXX, due to my daughter becoming, and continuing to be, severely ill. They are reporting that deferred payment as a 60 day late payment on my credit reports and refuse to remove it. When the deferral was e-signed, they rescinded my ability to see the document so I have no proof. I have spoken to them weekly about deferring the next few payments and they refuse. I've asked if the loan could be restructured and they refuse to do that either. I've even asked if we could delete the negative reports on my credit so the vehicle could be traded in on a less expensive one. Carmax Auto Finance, as of today, called to inform me that unless I could make a payment my vehicle would be repossessed because I haven't made payments for 12 consecutive months. My first account with them opened XX/XX/XXXX, and I traded that vehicle in on the new loan on XXXX. I can't refinance because they have damaged my credit, and I can not trade it in because of the balance owed, and I can't make the payments and feed my family to. I emailed the CEO and Finance Manager begging for assistance of any type- which is what resulted in the phone call today that gave no new resolutions other than pay or don't.
Consumer complaint received 2017-02-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (DE)

I originally took a student loan out through XXXX XXXX, which was transferred to Navient a few years ago. With the help of my mother, we entered into a payment agreement. We provided a substantial sum up front, and set up automatic monthly payments. Two years after the payments were withdrawn regularly, they stopped. I received no correspondence from Navient, and discovered the money was not being taken out when we noticed the money was not automatically being withdrawn. I contacted my account manager with Navient, who explained that payments can only be scheduled for two years at a time because of their system. I had to give him the same bank account information again to get it back on track. Three months had been missed, so we arranged for that amount to be withdrawn immediately, which it was, and re-set the automatic monthly payment schedule. Today I received an email that my account had been transferred and I needed to arrange a payment schedule with a new manager. It turns out that while I was told the monthly payments had been scheduled, they had not. My account was transferred " to another agency, '' which was never explained, and the account manager I had been dealing with said he 'd try to work with his supervisor to amend the situation. This loan has been a serious financial hardship, with astronomical interest rates, so much so that nearly 10 years after paying it, the loan is still close to the original balance. Navient has mishandled this account, treated me unfairly and made it extremely difficult for me to pay back my education loan.
Consumer complaint received 2023-07-14
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: EQUIFAX, INC. (FL)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. 
You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law.

You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE ACCOUNT. Please update the account, or inaccurate information, from my file immediately & send me the results to the address listed... XXXX XXXX XXXX
Consumer complaint received 2017-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I was informed via Kohls department store roughly a year ago that a person in XXXX was able to use my social security number to use my Kohls account. This individual had charged hundreds of dollars to my account. I filed a police report after realizing this individual opened several accounts in my name. Kohls also filed a report and removed a portion of the balance. However, after me complaining several times the company continues to call me and THREATEN me. Claiming they will send someone to my house to collect the money and that I will go to jail. Every time I try to explain that these charges are not mine and that Kohls said they would remove the remaining balance, they hang up on me but not before I get another threat of XXXX. This is now on my credit report. Because of my social security number being used I actually was scammed out of {$600.00} from another so called collections agency. Please help me with this situation. I appreciate it.
Consumer complaint received 2023-07-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Well I received a line of credit in 2007. From that time until 3 years ago. I did not receive any mortgage statements. I don't want to loose my home.

I believed that when I modified my mortgage through one of the various save our home program by the Obama Administration, this line of credit was added to the modified loan and/or discharged. I modified the mortgage of my first loan and received favorable terms. My interest rate is now XXXX %. 
Upon being notified that I was in default, I attempted to notify the mortgage. The modification was approved provided I was able to pay over {$31000.00} to commence the modification process. The original loan amount was approximately {$67.00}. Now the balance is more than double. I am a father of 4 children. I can not afford to pay {$31000.00} in one lump sum.

Provided this lender is the proper party to file this foreclosure suit. I would like a more affordable repayment plan. I do not believe I owe this lender but, again, if they are the proper party and they have not already discharged this debt and/or collected insurance proceeds for the defaulted loan from their various lender policies. I am happy to enter into a loan modification.
Consumer complaint received 2017-09-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (CA)

XXXX XXXX XXXX sent bills for an ambulance ride without any detail or explanation. By the time I got the requested detail, they had already turned the charge over to Credence Resource Management for collection. I disagree with the amount of the charges but am trying to settle the debt. I was working with a Credence representative on the phone and we agreed on a settlement. However, the representative, XXXX XXXX, refused to put our agreement in writing. When I continued to insist that our agreement be in writing, he got very aggressive and continued to refuse. Subsequently, on XXXX XXXX 2017, I sent written correspondence to Credence Resource Management but have received no response.
Consumer complaint received 2017-09-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (FL)

The loan was past due and XXXX XXXX XXXX applied for a loan modification with our Firm, a complete modification package was submitted to Ocwen Loan Servicing, LLC onXX/XX/XXXX, by XX/XX/XXXX we received a denial letter which stated the file was denied due to the account being more than 90 days past due ( Helping Homeowners Modification ) and option not approved by your bankruptcy attorney ( streamline Modification ).
We requested clarification as to the Bankruptcy portion of the denial letter as we represent XXXX XXXX XXXX and again a vague response as to consult with the bankruptcy attorney, After reviewing the denial letter with the bankruptcy attorney, XXXX XXXX XXXX XXXX. and she advised the denial is wrong and she has every right to apply we appealed their decision as we are the bankruptcy attorney of record and to please review the file on it 's financial merit.
On XX/XX/XXXX XX/XX/XXXX our Firm received another denial letter which had additional information but again stated XXXX XXXX XXXX was ineligible for the Ocwen streamline modification program due to an active bankruptcy.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2023-07-14
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. (TX)

EQUIFAX received my certified dispute letters, tracking number XXXX on XX/XX/XXXX about XXXX XXXX and XXXX XXXX XXXX. It is now XXXX XXXX 7 months later and they have failed to properly respond. XXXX finance shows no signs of a dispute and XXXX XXXX XXXX is still showing the same dispute since XXXX! This is very concerning as I was very clear in my writing to EQUIFAX. They are either choosing to ignore my letters or they have programmed their system to ignore people who fit some bogus unwanted demographic. 

How hard is it to Remove and block those 2 accounts that they have not only not investigated but have sent XXXX evidence to me?!??? This is XXXX not XXXX. EQUIFAX clearly does not care
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2017-09-07
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: Experian Information Solutions Inc. (NC)

on XXXX XXXX, I sent a letter to the credit bureaus requesting an investigation on 5 accounts. Almost 60 days later, and none of them have responded. I have sent follow-up letters to inquire for the reason for the delay, and those have also gone unanswered.
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (FL)

I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.
Consumer complaint received 2023-07-14
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: Experian Information Solutions Inc. (MO)

Request for Deletion of Closed Account from Credit Report I hope this letter finds you well. I am writing to bring your attention to an item on my credit report that requires immediate attention. The purpose of this correspondence is to request the removal of a closed account from my credit report. 

XXXX I recently obtained a copy of my credit report and was disheartened to find that this closed account is still being reported. Although this account was closed. it continues to have a negative impact on my credit score and overall financial standing. 

I would like to emphasize that this account was closed in good standing and all associated obligations were fulfilled as per the terms and conditions outlined by the creditor. Consequently, it is only fair that the presence of this closed account on my credit report be rectified to reflect an accurate representation of my creditworthiness. 

In accordance with the Fair Credit Reporting Act, I kindly request that you investigate this matter and take prompt action to remove this closed account from my credit report. Please provide written confirmation once the account has been successfully deleted. 

I have enclosed copies of supporting documents, including statements, correspondence, or any other relevant information that may assist in the resolution of this matter. 

Thank you for your prompt attention to this request. I have faith in your ability to handle this matter efficiently and ensure that my credit report accurately reflects my financial standing. Should you require any further information, please do not hesitate to contact me at the address or phone number provided above. 

I look forward to your positive response and a swift resolution of this issue. 

Thank you for your time,
Consumer complaint received 2017-09-06
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. (GA)

On XXXX XXXX, XXXX, I contacted Equifax for the status of a dispute with XXXX XXXX XXXX indicating that the account is not mine. The representative, XXXX, informed me that the account has the same name and social security number as my file, therefore it has been verified. I asked her how did Equifax verify the information. XXXX 's reply to was, the account has the same name and social security number as your file, therefore it has been verified. I asked, " Did you receive any valid information from the creditor?. '' XXXX stated, " XXXX did not send in anything ; however, the account has the same name and social security number as your file so it has been verified. '' I asked XXXX that if XXXX never replied with any valid information or any information at all then how can you say that it has been verified? She replied, " The account has been verified. '' I explained to her per the law, a debt has to be validated in order for it to be truly verified, so what information do you have that says that this account has been verified? '' XXXX replied, " I do not have any information. ''
Consumer complaint received 2023-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 Subject : Dispute of Alleged Account Account Number : XXXX XXXX XXXX XXXX To whom it may concern : I am writing to formally dispute the alleged account associated with the account number mentioned above, as per a court order dated XX/XX/2023, which concluded the parties have agreed that the landlord dismisses the monetary claim with prejudice. I do not have a monetary obligation in this matter. The court case was mediated and subsequently closed without prejudice. I received a notice from your agency regarding the collection of a debt, and I believe this to be a violation of the court 's decision. As stated in the court order, which I have attached for your reference [ A physical copy is on file with your office as well ], the matter at hand was thoroughly examined, and it was determined that I do not owe any monetary obligations related to the alleged account. Therefore, I kindly request that you cease all collection activities immediately and update your records accordingly. To assist you in resolving this matter swiftly, I have enclosed a copy of the court order for your review. It clearly states that the case has been closed without prejudice, emphasizing that I am not liable for any outstanding debts associated with the alleged account. It is imperative that you abide by the court 's decision and discontinue any attempts to collect on this debt. I expect your full cooperation in this regard. Failure to comply with the court 's order and to cease all collection activities may result in legal action being taken against your agency for violation of the Fair Debt Collection Practices Act. Please provide written confirmation within 30 days of receiving this letter, acknowledging the closure of the case and confirming that all collection efforts related to this account have been terminated. Additionally, ensure that no further communication or reporting to credit bureaus occurs concerning this disputed debt. I trust that you will handle this matter promptly and with the utmost professionalism. Thank you for your immediate attention and resolution of this dispute. Respectfully, XXXX XXXX XXXX
Consumer complaint received 2023-07-14
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. (IN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2017-09-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RNN Group, Inc (TX)

We are a place of business and we do not give out any type of information regarding our employees or their family members. We are getting numerous calls from RNN Group and we are not obligated to confirm or deny who works for our company. This is obviously a debt collection. The RNN Group representative is extremely rude and unprofessional. They seem to have made it their mission to continue harassing our place of business and they do n't even know if the person works here. If they were professional, they would not be disrupting another place of business over someone 's personal debt.
Consumer complaint received 2023-07-14
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: OneMain Finance Corporation (IL)

XX/XX/23 I received an alert for application on credit report. I didnt apply for XXXX XXXX I only did the prequalified application which shouldnt have affect my credit score
Consumer complaint received 2023-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Ive been fighting with Bank of America for over 5 years to delete PMI off my account. Processing time : 10 days I received a letter stating a property valuation is needed with a fee of {$100.00}. The letter stated once the fee is received it will take 10 days. The payment has been sent. On XX/XX/2023, I called Bank of America and spoke to someone named XXXX in PMI department who said the letter is only valid for 30 days. 

On XX/XX/2023 I paid about {$30.00} to overnight the requested {$100.00} payment. On Friday I received an email ( see attached ) from Bank of America stating the fee has increased to {$150.00}. 

Why didnt XXXX in PMI advise that the fee was not {$100.00} but {$150.00}. This is not customer service but another tactic to stall delay or prevent That PMI from being deleted from my account. Bank of America practices for PMI removal are unfair to customers since it results in continuous policy changes that were not disclosed and makes this process very cumbersome. 

New email now says processing time is 13 days. Is it ten days to process or 13 days. Very confusing and inconsistent. 

How much is BofA benefiting from dragging out the PMI deletion process. Its almost like they make it so hard they want you to go away. 

The method and practices are antiquated. Who writes checks? Who uses snail mail?