davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-09
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 contacted Equifax twice over the phone about inquires made on my account each time I was told they would not investigate and I would need to handle myself. I mailed a certified letter on  X/XX/2017    requesting verification of the inquires sent. This letter was received on  X/XX/2017    but Equifax responded on  X/XX/2017    with an explanation of what an inquiry was not a verification. No true investigation was completed as I requested. I have disputed these inquries online on  X/XX/17   ,  X/XX/2017   , and  X/XX/2017    and each time they are saying the results are factual with no other information or verification. This is a clear violation of my FCRA rights. I have a right to be provided proof that these are in fact factual inquires and Equifax has failed to do so.
Consumer complaint received 2024-10-10
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: Experian Information Solutions Inc. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2017-09-15
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: Statebridge Company (NV)

On XXXX XXXX 2016 my mortgage went up after having a loan modification five years ago. I know I should have been on top of that but after five years I completely forgot, so I sent to Statebridge my regular mortgage payment. They put the money on an account named unapplied funding. XXXX they called me and saying that I was late, and then they said that I did not sent the monthly payment. They said that they sent me a letter reminding me that my mortgage loan was going up on XXXX and that is not true. I never received that letter. 

To make the history short it took me 4 month before I was able to speak with a manager. They didnt want to cooperate at all and the whole issue took me seven month until I filed the report with the federal consumer agency, ten days later XXXX XXXX called me and apologized and said.. XXXX XXXX I apologize..You were right, I was wrong the money was yours and we put it back in your account and waived all the late fees. I told them that they need to report the right thing to the bureau of credit as we agreed since the beginning of this dispute that he ( XXXX XXXX ) said that they will do it if I was right, and I was. 

I filed a dispute with the bureau of credit because they refused to fix that with them. Today, I received the result of my dispute and said that Statebridge reported that the report is accurate. I dont believe it is because if they want to report the month of XXXX as being late because I forgot that my mortgage payment was supposed to go up that month its ok, in part was my fault but not the other 6 months they are reporting. Those six month I was in constant communication with them trying to fixed this matter. What they did was every time I sent my mortgage payment they applied to the month before so I was late for every single month after that. 

They misplaced my mortgage payment for one month and make late for the following 6 month. If I was late like they are saying how they found the money applied back to my account and waived all the late fees? They waived all the late fees because they know I wasnt late. The bottom line is that they made a mistake and fixed but I am the one paying the consequences. 

I really appreciate if Statebridge finally fix this entire problem and recognize that they did me wrong. I need my credit report to be fixed and to do that Statebridge need to report the right thing to the bureau of credit
Consumer complaint received 2017-09-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (TN)

On X/XX/2017 I went to the online portal of Western Union to transfer {$500.00} from my XXXX checking account to an individual in XXXX XXXX who would collect the funds at an authorized Western Union Location. After I entered all of the data required to enable WU to make the funds available I received an acknowledgement from WU assuring me that the transaction was in fact being processed and that I would receive a code # for the recipient to collect the cash in " minutes '' as per the WU service promise on their site. 
As time passed and I did not get the pick-up code for the recipient and availed myself of the tracking tool provided by WU. The first track replied with the transaction was being processed, but it was take 30 minutes. When that time expired the next track returned that it would take two hours to enable the pick up in XXXX XXXX. I then called WU customer service and spoke with an agent who told me it would take as long as 6 hours to enable the transaction even though WU had taken the {$500.00} + {$49.00} in fees from my checking account. I asked to have the call escalated to a supervisor who finally disclosed that I was blocked from using WU services. I asked for a reason or cause as was told that was all I was going to learn. WU # XXXX
Consumer complaint received 2017-09-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CO)

I began receiving nonstop calls to collect money for both of my Navient and XXXX XXXX loans my Sophomore year of college, XX/XX/XXXX, once to twice a day every day. At first, I would let them know that I was still in school and could not repay as of right now. They continued my entire school career and continued after graduation XX/XX/XXXX. They did not stop calling even while I was making payments to my private loan interest during school. At one point, they sent a collection agency after me my senior year in XX/XX/XXXX. They began calling me from different numbers to try to fool me - I have voicemail records for the past two years of the different numbers. They started calling me during class and almost twice a day, it got so bad that I had to block every number I knew they were attached to. Also, Navient and XXXX XXXX began calling my mom - who is not a cosigner or even listed on any of my loan paperwork.
They did not stop calling me on random numbers until after I began an automatic payment plan of $ XXXX/monthXX/XX/XXXX. And it is possible that they are still calling but can not get through because I have blocked them. At first, I thought it was going to be great to have it taken out automatically - but then it became that the $ XXXX/month does not make a single dent in my private loan. I have it set that my repayment is supposed to be split between loan and interest ( half and half ), but it is currently only covering my monthly interest and of course, the private loan continues to increase because of the interest that I am so called paying off.
I have talked to multiple Navient customer service operators about how to allocate the funds differently and have tried to explain my situation - the operators did not help me and are extremely rude. They simply " explain '' why I must pay at least {$330.00} and suggest that I should pay more to get ahead of my interest. The payment to my actual loan never exceeds $ XXXX/month and the rest is applied to interest. And as of right now, the amount allocated to my actual loan is decreasing while the amount allocated to my interest is increasing.
In the attached files - every number that is from XXXX XXXX, TX, XXXX, PA, or Unknown is from XXXX XXXX and Navient. ( Unfortunately, I broke my phone before I graduated and lost my screenshots of the previous calls - but I can always request phone records from my carrier if more evidence is necessary ).
Consumer complaint received 2017-09-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: TOWNE MORTGAGE COMPANY (MI)

The mortgage broker failed to provide accurate closing escrow numbers on loan payment, taxes and insurance. These number were also verified by the mortgage company before the closing. Almost 2 years later the mortgage company is claiming an error was made at the closing in calculating the escrow accounts which is resulting in a significant increase in my mortgage payment which I can no longer afford due to a fixed SS income. Investigation into these companies has revealed numerous complaints of the same instance of escrow fraud at closing.I have requested an investigation by the person handling the loan and he will not cooperate with me. My mortgage payment has gone from {$540.00} a month to {$710.00} a month which I can not afford.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is an incorrect address on my TransUnion credit report. I have tried both writing to have this removed as well as removing it through their website. I have not received a response from the written request and their website errors out when trying to notify them of incorrect data.
Consumer complaint received 2017-09-15
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: LendingUSA (TX)

I have received several calls from XXXX with XXXX. She informed me that it was for my Lending USA account. As the call started she was very rude, she then began to harass me and ask " why have n't you made any payments, I mean you have n't paid in MONTHS '' in a very demeaning tone. I then ended the call. She then called my work phone and tried to get a response from me while I was at work. I called back and informed them that they have no business calling my work. She then called a friend who was a reference on the loan but in the voicemail she stated that it was an attempt to collect a debt which they are not legally supposed to disclose. After that she then called my sisters, husbands parents in which I do n't even know so they called my sister and told her that I am being sued and this lady XXXX keeps leaving voicemails stating that it is pre-legal and attempt to collect debt. Once again breaking the law disclosing personal information to people I do n't even know. I then got a call from her XXXX XXXX who wanted to follow up on a phone call that XXXX had with me. He was just as rude and said some people get loans and never intend on paying them. Most people will do good and pay their stuff but some do n't. I informed him of the calls that XXXX had been making and informed him I was waiting on hearing back from a lawyer as I read up on my rights. I informed him that XXXX was very rude, he then replied we are n't in customer service we are debt collectors we are n't here to baby people. So I ended the call and have not heard from them since.
Consumer complaint received 2017-09-15
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: Experian Information Solutions Inc. (CA)

Was informed that my information was compromised due to the XXXX hacking and found fraudulent transactions on an existing credit card i suspect but cant prove may have been related. So i was trying to get my annual credit report that is intended to be used to get my credit report from all 3 credit burrows and found that i was not allowed access to any of my reports. XXXX & XXXX both stated after going though the verification that i was not going to be provided my credit report due to the XXXX hacking incident. XXXX did not even let me go though the verification and simply stated that their system is down with no other explanation. 

To say the least i am very upset that i am unable to get access to my information when i need it the most and was under the impressions that the credit companies are required to provide me with my credit report in a timely manner and they have been unable to do so.
Consumer complaint received 2017-09-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX. Transunion is taking advantage of people seeking credit freezes in light of XXXX breach. They provide misleading sales pitches, purposely push a " lock '' in place of a freeze, and scammed me into a subscription that renews monthly and for which the price XXXX {$21.00} XXXX was hidden. To cancel you have to call them, and there is no way to get past a lengthy hold and reach anyone. Please help.
Consumer complaint received 2017-09-15
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: EQUIFAX, INC. (MD)

Hello : This is in regard to the Equifax Security Breach. I used the impact to my credit feature on their website in order to determine whether I was impacted by the recent security breach.
The results came back as follows : ************************************************************************************************ Thank You Based on the information provided, we believe that your personal information may have been impacted by this incident.
Click the button below to continue your enrollment in XXXX XXXX.
Enroll For more information visit the FAQ page.
******************************************************************************************** My credit is frozen with all three credit agencies. I called Equifax twice ( at XXXX -- their dedicated breach customer service line ). The first time, I was disconnected after a long hold. The second time, I gave up after a long hold.
If my credit was frozen, why do they believe my personal information may have been impacted? According to conventional wisdom, everyone is trying to freeze their credit, but according to Equifax ' assessment of my information from my 'frozen ' credit, freezing your credit will not make you any safer. My intent in contacting them was to confirm my information was impacted ( their wording using the work 'may ' leaves it ambiguous ). And, to learn why they believe it was impacted if my credit was frozen.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. I want the fraudulent accounts to be removed from my credit report immediately because they hurt my ability to obtain credit.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

I checked my credit report and saw that Navient ( originally XXXX XXXX ) is still reporting as a late payment every month. This account was charged off years ago. So I sent them a letter asking for proof of the account with documents showing my original signature. Never got response. I took it to the credit bureaus which I also filed investigations in each one of the bureaus.The 30 day timespan had lapsed and still no answer or resolution. I again called the bureaus and was told by two of them that the account was re-aged to XX/XX/XXXX? Again another letter to Navient asking to show proof of where I made transaction with them and why the account was re-aged? The only correspondence I received was a letter stating if I paid {$5800.00} they would report the account closed. I ca n't afford that, and this was after the 7 year time span of them reporting on my credit reports. Just last month I called the XXXX office to see what could be done and they said nothing because now the account shows XX/XX/XXXX. I was also told that the co-signer that I had listed would fall off after 6 months but NO they still are harassing her. This account is 12 years old now, I was never sued for it and the first time it was re-aged was 3 months prior to 7 years. This is not fair and I need help.
Consumer complaint received 2017-09-15
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: EQUIFAX, INC. (WA)

The Equifax credit breach is well known. Equifax is located in XXXX, GA, and I have confirmed that our personal ( extensive ) information was involved in the hack that stole this information. I refused to participate in their protection program after the fact, since it required us to give up court action as a remedy. 

As a result, I have signed up for a mid-level XXXX monitoring program, at a cost of {$43.00} per month. My wife and I are both XXXX, and her family has a history of living into their late XX/XX/XXXX. Therefore, 20 years of this credit monitoring will cost {$10000.00} -- without providing for any price increases over the period. This is a substantial, unbudgeted expense for our fixed incomes. It was necessary to protect the modest assets we own. 

I want {$10000.00} from Equifax to cover this expense. I do not want to participate in a class action suit in which the attorneys walk away with millions and I get a check for {$5.00}. I want {$10000.00}.
Consumer complaint received 2017-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I 'm a victim of identity theft. My XXXX XXXX XXXX credit card has been lost, stolen and compromised. All of the charges on the account is fraudulent transactions. I never used my XXXX credit card account : XXXX. All of the charges are fraudulent transactions and unauthorized.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY (TN)

My credit score/report, XXXX/XXXX 2017. delete my AMX data totality. AMX Credit card has been with me for 15 years with a excellent payment record. I called AMX Credit Bureau dept to get it fixed. AMX advised it would be fixed. AMX has done nothing. I wish to lodge a complaint on AMX. I am still with an AMX credit card ... .still with excellent payment record. However, it is no where to be found on my credit report. This should linger on AMX customer service records ( AMX License to do business ) for 7 years, as it would on my report if it was a bad remark.
Consumer complaint received 2017-09-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I have a prior CFPB complaint against Wells Fargo. that was filed in XX/XX/XXXX ( CFPB Case # XXXX ).  This saga continues unresolved. 
Wells Fargo is the second lien holder on my property. They told me once my first lien is modified by XXXX XXXX under HAMP & Making Homes Affordable,  Wells Fargo would follow suit, per Second Mortgage modification Program ( 2MP ) as obligated by Servicing Program Agreement ( SPA ) signed by Wells Fargo in XX/XX/XXXX with the Treasury Department. Now they refuse to live up to their obligation. 
Second Mortgage Modification Program ends on XX/XX/XXXX. They have been stalling since mid XX/XX/XXXX to  exhaust this deadline. They are required to " mirror '' the 1st lien holder 's Modification terms, and since my property ( in Florida ) is severely underwater, forgive part or all of the principal ( per Making Home Affordable agreement ).
Every phone call and follow up with Wells Fargo is costing me an additional 15 days for them to respond. PLEASE DO NOT EXTEND THEIR RESPONSE TIME.
Consumer complaint received 2017-09-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (FL)

I CONTACTED MACYS ON XX/XX/2017 AND XXXX XXXX 2017. I ALSO RECEIVED AN E-MAIL FROM XXXX XXXX. I MADE SEVERAL ATTEMPTS TO PAY OF THIS DEBT, BUT DUE TO STATUE OF LIMITATION THEY COULD NOT DO A SETTLEMENT OFFER. THEY DID NOT WANT TO ACCEPT PAYMENT.
Consumer complaint received 2017-09-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (TX)

I am divorced and my ex-husband is 100 % liable for medical bills when he does not have our children insured. During a period when he did not have them insured, XXXX of our children had to go to the ER several times. Because I was the parent that took our child to the ER, they named me the guarantor and billed me for the visits to the ER. I contacted the hospital and provided them with the divorce decree which clearly states my ex-husband 's liability. They said there was nothing they could do. Eventually, the debts went to collections and are now reflected on my credit report. In XX/XX/XXXX, the first two, in the amounts of {$720.00} and {$520.00}, were reflected as derogatory marks which have negatively impacted my credit score. The third debt in the amount of {$310.00} showed up on my credit report in XX/XX/XXXX which further reduced my credit score. I initially contacted Medical Data Systems Inc., the collection agency, in an attempt to resolve the issue. They informed me that there was nothing they could do. On XX/XX/XXXX, I sent letters of dispute with proof of my ex-husband 's liability to all three credit bureaus and to Medical Data Systems. I have not received any correspondence from XXXX or XXXX, but XXXX  sent me a report on XX/XX/XXXX, showing the debt and the derogatory marks unchanged. Medical Data Systems also responded with a letter stating that they intend to continue reporting my debts to the credit bureaus. With legal proof from a court of law and signed by a judge clearly defining the party responsible for these debts, it is inconceivable that I am still being held responsible and that the credit bureaus and Medical Data Systems Inc. do not recognize the law declared by a judge and are not willing to work with me.