davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

I received what was sent by equifax which had things written stated back to XXXX/XXXX/XXXX FAD XXXX/XXXX/XXXX serious delinquency and Derogatory public record or collections filed time since to recent or unknown number of accounts with delinquency proportion of loan balances to loan amounts is too high. 
in review it is clear that my loans are not in delinquent status and that I have paid off or things have fallen off in time. Why am I been judged for 30 years ago when your credit report suppose to show 7 years and Equifax is making this statement with dating back to XXXX. 
It is very clear that this is ' Defamation of character ' This has a detrimental impact on my welfare and existence in society. This is impacting upon my civil and constitutional rights as a consumer and straw number holder. I conveyed my feeling in a professional manner and there has been little change to my score to show otherwise of the defamation of my character as a United States citizen. I await the opportunity to share the document obtained in my effort to purchase a used car with XXXX XXXX in XXXX Georgia.. This must be resolved. In attached you can review the document.
Consumer complaint received 2017-05-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied International Credit Corp., (US) (PA)

Allied International Credit Corp I  received a letter on   XXXX   XXXX   stating that I owe a debt to  XXXX . The current amount due is stated at {$240.00}.   It says to   XXXX   XXXX   the money, or send them a money order. They provided a reference number and also a representatives name that is handling my case. However when I called it was not the female listed on the page. It was a foreign gentlemen who insisted that this was a legitimate company and that I have to pay them the money. I asked if they can even prove if this was my debt. First of all, it was sent to my house and address but the name was not my name it was my fiance 's name. Secondly they asked for my social security number which I did not give for obvious reasons. Third, the man threatened that my fi ances credit score would be affected by this. Fourth, I do not know of any  XXXX  debt He r or myself owe, as she ha s one   account with 1 feedbac k for an item that she purchased last year. Obviously there is no w ay one purchase of a  {$8.00} gift is somehow being mistaken for some {$240.00} debt. She paid for that gift with   XXXX   and everything went fine with positive feedback on both ends. She is worried and wants to pay the debt because of there threat that it will hurt  her credit score ( we are  applying for apartments and in the future will probably need a car loan ) I am however extremely skeptical as I believe a debt this large should come along with more than a letter just stating this amount is owed and pay them within 30 days. Should n't there be correspondence proving the debt is true? Should n't there be an attachment stating from the original company that in fact we do owe this amount for this reason and so on ...   I have no idea what to do, and I am also worried if this is legit if they will somehow be able to hurt he r credit score o r mine. I do n't know how they could but the threats that were made were pretty convincing. However my attempts for more details about what this was and proof that it was actual ly one of our d ebts were dodged and the person on the phone kept saying that I need to pay it within 30 days to avoid credit problems..
Consumer complaint received 2017-05-17
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. (MD)

I previously obtained a copy of my credit report and it showed that  XXXX  was a closed account with no balance as the car was sold there was a remaining balance of {$690.00} however  XXXX  sent the account to collection over a year ago. After my husband I divorced this account was keeping him from purchasing a home so he settled the account with the debt collection company and the balance reflected {$0.00}. However after a recent check of my credit the report showed a balance of {$1300.00} I immediately called the credit bureau informed them of the situation and they told me to contact  XXXX . I contacted  XXXX  and because it was sold to a debt collector I was told they no longer handle it. I contacted the bureaus again still no avail they just sent me an updated copy saying the account was verified and updated. I asked them to provide me with the documenation they used to validate this account and they refused, they then sent me another credit report that says my request was not specific enough.
Consumer complaint received 2017-05-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (VT)

Ever since I graduated college in  XXXX  I have been unable to pay the full monthly payments on my student loans without significant help from my family. I have made multiple attempts to lower my payments t o Navient,  but they are either unavailable or I have been unable to find them.   Either   XXXX   XXXX   or   XXXX   XXXX   I was unable to make any payments at all, and unable to find any option for deferral I stopped paying and went into default. Since then,  Navient ha s harassed me, my family members, my friends and my employers. I 've been told by Navient that they handle all debt collection in house and do no sell debts to deb t collectors, a  month later they sent me a letter telling me that they were  going to hand me over to a debt collector if I did not settle my outstanding debt, and 2 week s later they called me trying to settle and claimed that I was not being handed over to a debt collector. During that conversation I was also told th at Navient " does  not lie '' which was a flagrant lie.   Before going into default I had a single federal loan ( all remaining loans are private ) o n 3 separa te occasions I ( or my mother ) sent payments with instructions that they be applied only to the federal loan, all 3 times the payments were divided among all of my loans, so we gave up that strategy of paying off smaller loans first.   Trying to recall the litany of lies and harassment I have received from Navient/  XXXX   XXXX   would be impossible. I have receive d 8 robot  calls per day, every day for a week. They have called my mother, my brother, my father and my boss, and probably others. I get strange calls even now that sound like scams ( "  act fast  to take advantage of special student loan forgiveness '', that sort of thing ) and when I get past the recordings and speak to a human being, they hang up as soon as I ask who is calling. They do n't send me mail in normal envelopes like a normal business. Mail f rom Navient comes i n greeting card envelopes ( no return address ) with the address written in a font that looks kind of like it was written by hand, but they seem to have their printer o n color sa ver mode, because the dither in the printing and the faint scan lines give it away.   Dishonesty comes as naturally t o Navient as b reathing does for the rest of us. I once accused them of being run, if not by the   XXXX  himself, certainly one of his   lesser  XXXX . I stand by that.
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (AK)

XXXX   XXXX  the payment I owed to  XXXX  of  XXXX  which was received 6 days late due to a problem that I was not aware of. I was out of Alaska, in  XXXX  and I did not receive any statement from  XXXX  with late dues.   When I came back which was in  XXXX   XXXX  I tried to explain to  XXXX  that I was out of the country, and was sure that the amount was paid.   They said that the 30 days in which I should have resolved the issue I did n't call ...  ..but  how could I be aware that the payment to  XXXX  of  XXXX  came 6 days was late?   I tried to resolve the issue with them, but there was absolutely no opening.   Nor there is any opening from their side right now.   They have sent this to Equifax which is creating a problem for me.   I would very kindly suggest that you mediate in this affair.   I do not owe anything to  XXXX , there are only charging interests.   Even though I tried to pay the interests for one month, for the delay ; they are not considering that either.   Thanks  XXXX   XXXX   XXXX  Account Number  XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Hello, I have sent over numerous disputes and notified the company that I am not the owner nor am I responsible for the time share. My ex fiance has passed away but when she signed for the time share she stole my identity to do so. She cheated with a man and they stole my identity to acquire the time share. I was no where involved. I have filed for a FTC report and a police report to prove that I am a victim of Identity theft. I need my name taken off of this time share and this item removed from my credit.
Consumer complaint received 2017-05-17
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (NY)

I have previously submitted compliant  XXXX  about NAVY FEDERAL CREDIT UNION with respect to their unfair business practices and desire to overcharge discount points contrary to their own guidelines.     In an act of retaliation and bullying Navy Federal Credit Union cancelled my closing on   X/XX/2017     without ever providing me with notice. I had informed the  Credit Union th at no one was authorized to receive communications on my behalf ( enclosed email-notice ) but they still enticed their own attorney to commit Mal-practice by directing them to contact an unauthorized third party about the case and state the following : " '' Per the lender this is where we are at with closing : " If he would like to close with the terms we currently have in place we can reschedule closing. The earliest date we can close would be Monday. We will need him acknowledgement on the CD with no change in the terms. '' As you can see Navy is not going to be changing any of the final terms of the CD. I will need to confirm a closing, if he still wants to close with Navy, ASAP and will just need to update the  CD for the new  close date and then have him acknowledge it by the end of the day tomorrow. Please let me know if your client would like to close on Monday  XXXX  or after. If adjustment amounts will change please provide new adjustments to me ASAP so I can send over a new dr aft CD today. " D emonstrating NFCU 's resolution to violate its instructions by refusing to communicate with its own borrower for ov er 48 hours and to even provide the courtesy to inform them that closing had been cancelled as a re sult of its failure to due its due diligence with respect to communications with all parties. It also communicated through its attorneys its attempts to utterly dismiss complaint  XXXX  and that it would hold on to its desire to violate section C of its Commitment Expiration Policy on the Mortgage Loan Price Commitment Agreement by raising the price for discount points above what was on the document and the prevailing rate of the day ( See attached agreement.     Furthermore, it was discovered on  XX/XX/2017    Navy Federal Credit Union did not properly disclose to the appropriate party the names of the individuals to take Title to the property to be recorded on the deed of trust further causing delays. On the closing disclosure issued  XX/XX/2017    in order to close on  XX/XX/2017     Navy Federal  attempted to charge the buyer for delays it caused and demonstrated its intent to add additional fees by issuing a new commitment agreement on  XX/XX/2017    with higher rates than it advertised despite the fact that the current agreement would not expire until  XX/XX/2017   .
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have spent numerous hours and disputes to try and get Transunion to correct negative accounts on my credit report that   XXXX   already has corrected. I did not have near the problem with  XXXX , that I seem to be having in getting Transunion to correct. There are accounts that are suppose to be deleted, as well as accounts that are duplicates
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (UT)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX 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 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. 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.
Consumer complaint received 2017-05-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

I became  XXXX   XXXX  in  2010 a nd went through the paperwork to get loan forgiveness. The company kept saying that this paper or that paper was n't right. I kept getting the run around. I am still  XXXX   XXXX  and on a fixed income with  XXXX  children.
Consumer complaint received 2016-06-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (WV)

Received credit disclosure information from the XXXX XXXX XXXX XXXX on XXXX XXXX, 2016 and noticed that ( 1 ) a huge discrepancy in credit scores and the credit bureaus continue to report identical key factors that adversely affected my credit scores. The exact key factors appeared on a disclosure of credit score information XXXX XXXX, 2016. I have written to the credit bureaus disputing these key factors, with one response. Credit bureau asked that I be more specific. I replied that according to the disclosure information no specific accounts were included in these adverse key factors. I can only dispute what was presented to me. I find their comments totally absurd. A review of several credit reports does not reflect these horrendous key factors. 
There are no serious delinquencies. Public Records was a chapter XXXX bankruptcy dismissed and has been removed from XXXX of the XXXX credit reporting agencies. There are no accounts with delinquencies which makes the length of time nonexistence. The time since delinquency is too recent or unknown. This is a bogus comment with no supporting data.
Consumer complaint received 2016-09-03
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (FL)

I received an email stating that my Best Buy credit card through Citibank would be closed due to inactivity. To keep the account open, I went online and pre-ordered a dvd for around {$30.00}. I received the dvd at my current mailing address but never received a billing statement. Approximately 5 months later I receive an email from XXXX XXXX stating that I have a past due balance on one of my accounts. I immediately start to investigate and see that it is now a {$180.00} bill on my {$30.00} purchase from Best Buy. I call to try to make a payment and reduce the late fees seeing as how I never received a billing statement, email or voicemail even though they were able to contact me to let me know that my account would be closed for inactivity a few months before. After numerous calls and attempts to rectify the situation I am repeatedly told that they can only wave XXXX late fee, if I bring my account to current. After continually asking for someone who can make a pay off decision, hear my complaint and deal with the situation, I am transferred and redirected numerous times. No manager can take my call and no employee can deviate from the XXXX late fee removal policy. Nor can they say anything that actually deals with the situation besides repeating themselves over and over again. I have made many large purchases with my Best Buy card in the past and never had a late fee. I have a Sears credit card through Citibank and have no issues there either. In an effort to not continue late fees on a {$30.00} movie purchase I take the XXXX late fee removal and pay off the account at {$140.00}. I am waiting to hear back from a manager to see if they can resolve this issue in any way.
Consumer complaint received 2017-05-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (FL)

I have been attempting to obtain a loan modification with  Caliber Home  Loans for years. I have sent them several packages with my financial information per their request. Each package is either denied or rendered not complete for very small details which could be corrected if the servicer properly gave timely notice of said missing documents.     Most recently a complete modification package was sent in   XXXX  2017   . On   XXXX   XXXX   , 2017, I co ntacted  Caliber Home  Loans to inquire as to the status of the modification package that had been sent.  XXXX , the representative who I spoke to at that time advised me that they needed updated pay stubs, bank statements, and a  XXXX  form in order to finish the review for my loan modification. When I advised  XXXX  that I could provide him with that information immediately, he told me not to bother sending it in because the foreclosure sale was set for less th an thirty-seven days  from that date. ( Foreclosure sale was set for   XXXX   XXXX   , 2017 ).  He went on to say that Caliber would not look at any of the updated information we sent and that the loan modification would be automatically denied because we were less th an thirty-seven d ays away. In other words, they refused to do anything at this point.     As a result of this information, I immediately set an emergency hearing to reset the foreclosure sale. Said motion to reset sale was granted and the new sale is  XXXX   XXXX  , 2017.      I was extremely shocked by the way Caliber has handled this. If I had not called them, they would have not notified me of the need for updated documents. Additionally, refusing to consider me for a modification because we were out less t han thirty-seven  days prior to the sale is not only unethical and against standard practice, but also against the final judgment in this foreclosure case. Among the stipulations in the final judgment of foreclosure in this matter is that I be considered for a modification while I am the title owner of the home.     I have been extremely prejudiced by Calibers handling of this not only for past conduct but also because I had to resort to setting a hearing court to have my foreclosure sale date reset. Generally courts are very discretionary on granting these motions, yet I was forced to request a reset of the sale before it was timely only so   Caliber   would finish processing my loan modification paperwork. I am not asking for much, just simply that Caliber provide me with a trial payment plan so I can be given the opportunity to make mortgage payments and save my family home.
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

on XXXX XXXX 2017 my husband disputed our public accounts that reflected judgements that have been satisfied already.Equifax removed one of the judgements but failed to remove the other. His was reported as well in the same phone call with the agent. My dispute number is as follows from that date:XXXX or XXXX. They have correctly removed them from my husbands report in which the attached photo will show. But they have n't removed from mine and I now saying I have to wait another 30days for them to remove. As they have to file the dispute all over again. Equifax claims that there was no dispute but yet I have the records to show different,
Consumer complaint received 2017-05-17
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar Mortgage LLC is attempting to sell my home in a foreclosure trustee sale on    XXXX   XXXX  2017     and steal my home when neither they or the foreclosure trustee have any standing to do so. i : repeatedly offered to pay them in full if they can simply validate the amount of the alleged debt as FDCPA rquires them to do. They do not, since they have fabricated papers to make it look like i : owe some alleged debt to them.   In either case :  This is a 28 U.S. Code 1343, now that CFPB, President Trump, US Supreme Court, US Marshalls Director  XXXX , Government Accountability Office Director   XXXX   XXXX  , Sheriff   XXXX     XXXX  are notified of the crimes against me and are required to act.      YOU ARE SERVED, AND ARE NOW LIABLE TO ME.     Today,  XXXX   XXXX ,  2017 i : ha ve sent to  President Trump [ Delivery via U.S.P.S. Fir st Class Certified Mail Article Number :  XXXX   XXXX   XXXX   XXXX   XXXX   ] , to U S Supreme Cou rt [ Deli very via U.S.P.S. First Class Certified Mail Article Number :  XXXX   XXXX   XXXX   XXXX   XXXX   ], US   Marshalls Director   XXXX   [  Delivery via U.S.P.S. First Class Certified Mail Article Number :  XXXX   XXXX   XXXX   XXXX   XXXX   ] , to  Government  Accountability Office Director   XXXX   XXXX   XXXX   [  Delivery via U.S.P.S. First Class Certified Mail Article Number :  XXXX   XXXX   XXXX   XXXX   XXXX   ] , to  Sheriff  XXXX   XXXX   [ D elivery via U.S.P.S. First Class Certified Mail  Article Number :   XXXX   XXXX   XXXX   XXXX   XXXX  ], the following instruments among others  : 1.  Warrant for arrests,  XXXX  of such warrant for arrests and indictment of the President of foreclosure trustee  XXXX   XXXX   XXXX  and the President of Nationstar Mortgage LLC  XXXX   XXXX  are first and second attachments.    2.  DEFAULTED BILL TO NATIONSTAR MORTGAG E LLC [ and its Co Parties Agent ( s ) Principle ( s  ) ] for {>= $1,000,000} is the third attachment.    3. I ndorsed copies filed in court of ad subjiciendum which is an extraordinary remedy, attacking the legality as Unconstitutional is the fourth attachment.    4.  Indorsed copies filed in court of my firing of civil servants, judges, attorneys are  the fifth attachme nt.     i : do expect my remedy as an American who has been wronged by a group of criminals dressed as attorneys, debt collectors among others. Feel free to call or email me with any questions that you may have.     All rights reserved waive none i : a man,  XXXX  :  XXXX