davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-27
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. (NC)

I have requested via telephone I have requested via letter I have requested via the cfpb portal the following THE NAME OF THE CREDITOR WHO REPORTED ON MY PERSONAL CREDIT REPORT IN 2019 and due diligence in the reported fraud address on my personal credit in my name of XXXX XXXX XXXX by unknown entity of XXXX XXXX XXXX XXXX Virginia to the the CFPB FTC AND USDEPT OF JUSTICE and XXXX  and XXXX  and Equifax. I HAVE CONTINUED TO REQUEST THE NAME OF THE CREDITOR ... AND THE ADDRESS AND THEIR PHONE NUMBER ... WHO REPORTED THIS ADDRESS..AS I AM ENTITLED TO REQUEST UNDER THE LAWS OF THE FCRA ACT and others. XXXX  XXXX  EQUIFAX FAX ME THE NAME OF THIS CREDITOR IMMEDIATELY. 
so my civil rights do not continue to be denied. My fax number to fax this info to is only XXXX
Consumer complaint received 2020-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

For years I have been trying to determine why my Federal Direct Subsidized loans were converted or consolidated into a FFELP loan without my informed consent that I would lose all eligibility for loan forgiveness programs under the U.S. Department of Education. I have been denied on multiple occasions for the Public Service Loan Forgiveness Program due to the fact that my loan has been converted to a FFELP and is no longer considered a Federal Direct Loan. I was never informed at the time of consolidation that the loan would be converted and I would lose all my rights to apply for the Public Service Loan Forgiveness Program. My loan servicing agent has informed me on several occasions that my loan does not qualify for the loan forgiveness program because it is a FFELP consolidation loan and if I want to qualify for the loan forgiveness program that I will have to consolidate my current loan with the U.S. Department Education. How can I consolidate this loan when it is the only loan that I have? I believe that the servicing agent deliberately withheld pertinent information from unsuspecting borrowers for monetary gain. The agent does not provide any forgiveness programs at this time. While reviewing my consolidation loan application/promissory note ... in fine print it states that I might not be eligible for SOME loan discharges that was once associated with the loans that is being consolidated but never provided the information to me pertaining to the loans that I would or would not be eligible for if I consolidated my loans with this agent. I did not receive an opt out agreement or any correspondence explaining the terms of the loan if consolidated. I have been working for a public entity for 25 years and to find out that I can't take advantage of a program that has been offered to me to alleviate a debt due to greed and the absence of information is beyond me. I have documents that the agent has sent to me but none of them are clear and concise.
Consumer complaint received 2020-03-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

acct with bank of america na is showing a balance of XXXX owed with late payments past XX/XX/2107 to present date. it is showing missed payments from XX/XX/2017 and a charge off acct still. the acct was prior disputed with cfpb and the replay to this from bank of america was the negative information would be removed but this has not happened 90 days later. the original case with cfpb is XXXX.
Consumer complaint received 2020-03-27
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Capital one/XXXX XXXX XXXX, I have 3 CapitalOne credit cards, all were set up for electronic payments for the due date that was required for payment. I noticed on my credit bureau, which I monitor regularly that I was showing a late payment for the card mentioned above. I immediately called the credit card company to find out what was wrong. They stated that they had changed providers, and delayed the EFT. Of no fault of my own. They admitted that this had happened to many customers and that they would take care of it. I intentionally set up electronic withdraw, so this would not happen. If you look at my credit, I do not miss payments on any of my cards, XXXX, XXXX, etc.. or any other lender that I have. This occurred XX/XX/2019 and I have been attempting to correct this every since. I would prefer to cancel this card, but feel trapped until I get this resolved. Any help that you can provide would be greatly appreciated!
Consumer complaint received 2020-03-25
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. (AR)

My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

DEPTEDXXXX  XXXX {$6000.00} DEPTEDXXXX  XXXX {$2200.00} DEPTEDXXXX  XXXX {$4500.00} XXXX  XXXX {$6000.00} XXXX  XXXX {$4500.00} XXXX  XXXX {$4500.00} XXXX XXXX XXXX {$1000.00} DEPTEDXXXX  XXXX {$2200.00}
Consumer complaint received 2020-03-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (WA)

On XX/XX/XXXX, I sent an email to my lender Mr Cooper Mortgages about relief for people affected by the coronavirus pandemic. No return email has even been sent. On XXXX XXXX I sent 4 seperate messages regarding the same topic through their message center on the website. Only automated massages saying " a customer service rep will contact you shortly '' was sent. No one has every contacted me. 

On about XX/XX/XXXX I called to discussed the same issue. Rather than wait on hold, I opted to recieve a call back. No call was ever sent. 

On XX/XX/XXXX I called and filed a comlaint via customer service. I also was transfered to their diaster relief line. Again after about 1 hr on hold I agreed to recieve a call back. No call was ever made. 

I am on hold right now and it's been XXXX so far. This time I will not ask for a call back.
Consumer complaint received 2020-03-25
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. (MS)

ive call all 3 credit bureaus they have sent me the papers to dispute the inquires ive called ive been on hold for 15 every time ive called my identity was stolen i have proof where they ( theHackers ) got even into my XXXX  looking to buy a car ( XXXX ) they ran my credit more then 50 times it looks like i need these inquiries off my credit report please help and thank you XXXX XXXX
Consumer complaint received 2020-03-25
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. (FL)

I was called by XXXX XXXX  yesterday letting me know that the information on my auto draft was incorrect and that my payment for XX/XX/2020 was returned, resulting in a 45 day late fee in which they admitted was an error on their part but never contacted me to correct until XX/XX/20 on which all was fixed and paid up with a late charge refund. 
I would appreciate this being taking off each of my credit reporting agencies.
Consumer complaint received 2020-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (WA)

I am working on refinancing my mortgage and the bank representative was going over my credit report and saw that Citi had a {$210.00} balance in arrears. I tried multiple times to speak to someone at Citi yesterday, XX/XX/2020, and today, XX/XX/2020, and I kept getting transferred to a message that said they were closed and my call was terminated. The last time I called I asked to speak to a supervisor and again I was disconnected. I am trying to find out about this balance in arears as I have received no communication from Citi. This is unacceptable behavior by a company and they refuse to work with me to resolve this issue.
Consumer complaint received 2020-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (FL)

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My TransUnion score is XXXX. My XXXX  score is XXXX. Last check XXXX   went up 5 points, TransUnion went down 46 points. Why? There is nothing listed to show such a sharp decline.
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Cashier check was sent to Capital One with certain stipulations. I have contacted Capital One regarding this matter and also filed a complaint. Capital one did not honor the agreement and also sold the account to another creditor while I had a written agreement with them.
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX/XXXX  XXXX/XXXX  XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX/XXXX  XXXX/XXXX
Consumer complaint received 2020-03-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Prosper Marketplace, Inc. (NJ)

I spoke with an employee on ticket number XXXX, asking them to push back my loan for 30 or 60 days because I had to close my XXXX  down in XXXX do to the state telling us do to the covid-`9 pandemic. The employee from prosper told that she is only allow to push it back a month and I would be charge a late fee or interest. So I told them that was perfect. I then received an email from them saying the following. 

Thank you for reaching out to prosper to ask about financial relief during the recent covid 19 pandemic your loan payment due date will be moved forward by one month. We want to assure you that you that you are not being asked to make a double payment on your next payment due date. You have the full lenght of your loan term to make the payment that was due in the month. However please note that you are still responsible for making that loan payment satisfy the loan balance by the maturity date and that interest will continue to accrue daily in accordance with the terms of your promissory note. 

So when I called back and told them that the state said they can not charge you interest they said that's only for business and not personal which is not right and I cant offred it at this time and it will be going on deliquesce because I can't pay it do to the shut down
Consumer complaint received 2020-03-27
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. (OH)

I do not know what kind of games this collection agency is trying to play. I requested a signed credit agreement and I did not receive that. XXXX sent me copies of some statements and the statements were not the originals but nonetheless I requested THE SIGNED CREDIT AGREEMENT BEARING MY SIGNATURE. XXXX closed the accounts but did not remove the accounts. The accounts need to be removed NOW! The accounts are fraudulent! No one has provided me with nothing with my signature. I have requested this information numerous times. I have seeked legal representation a consumer attorney for legal advice. If this goes to court XXXX will have to show a signed agreement with my signature and a host of other paperwork. I also need details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I emailed XXXX on XX/XX/2020, XX/XX/2020 and XX/XX/2020. I can prove that XXXX responded that they received my emails but did not send the information that I requested. REMOVE IMMEDIATELY the three accounts on all 3 credit reports. This is not a duplicate complaint. Please do not send me a email stating this complaint is closed due to it being a duplicate. This is not a duplicate!
Consumer complaint received 2020-03-27
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: BCI FINANCIAL GROUP, INC. (FL)

I have maintained a 100 % perfect payment record of timely, on time payments for over 7 years with City National Bank ( CNB ), based in Florida. 

In XXXX, I learned of a very sick family member who had traveled overseas and ultimately was found to have been afflicted with the XXXX XXXX. 

During the time I was caring for them, on XX/XX/XXXX I closed on my home sale thereby paying off my HELOC with CNB.

I recently discovered through my credit report monitoring that CNB destroyed my XXXX  score and lowered it by almost 140 points by reporting a single late 30 day payment!! 

This payment related to when I was caring for my deathly ill relative and in the midst of my home closing transition. I called the XXXX XXXX XXXX XXXX number to politely ask them to remove the adverse credit mark due to these highly extenuating circumstances. 

I then was referred to another office who was responsive but ultimately spoke to the " powers that be '' and said that " since they get audited all the time, they could not make this adjustment for me, unless it was exclusively a bank error. '' Given my 7 year unblemished payment history and that I was involved in caring for a XXXX   victim and was advised improperly that there was no need to make the last payment as it would be adjusted on the final settlement statement when I had called them in XXXX, it is HIGHLY UNSCRUPULOUS AND AN UNFAIR BUSINESS PRACTICE TO maintain this negative mark on my credit during these troubled times and unfortunate circumstances. 

I am hopeful that you can rectify this matter with CNB promptly before me taking the next steps and involving the news media as well as the District Attorneys 's office and my local Senator. Thank you in advance for your attention.
Consumer complaint received 2020-03-25
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. (TN)

In XXXX, I applied for a loan at my bank and was denied to do items appearing on my credit that I had no knowledge of. The has been a headache as I have reached out to credit bureaus and i'm not getting anywhere with them, so I choose to reach out to this company. These items appearing on the letters I sent to credit bureau are stopping me from moving forward with my life.
Consumer complaint received 2020-03-25
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TN)

I put my information into Qucken Loans website on the XXXX just to get a loan quote. I am 98 % sure it was not a formal application for credit. Since that time, I have been bombarded with calls, 24 in total along with voicemails. I am a XXXX XXXX with the FDIC, this practice seems to be very aggressive toward consumers and may even influence a consumer to rush into a loan. To contrast, I filled out a pre-approval credit application with my financial institution on the same day and they have only contacted me twice. Please Quicken, end your practice of aggressive calling. I am not going to use any of your services because of this.
Consumer complaint received 2020-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

This matter concerns the handling of Rushmore Loan # XXXX On XX/XX/XXXX, I received a letter from Rushmore Loan Management Services informing us that they were transferring the servicing of our loan to another company, XXXX XXXX XXXX, effective XX/XX/XXXX. 

I was dismayed to hear this because I had called Rushmore every week in XXXX requesting a copy of our year end federal tax interest and tax reporting statement. Each time I called, they assured me that I would receive a copy in the mail by the end of the week. 

After I received the notice of transfer, I called Rushmore again and spoke to a XXXX who would only further identify himself as XXXX # XXXX. He stated that since we hadnt made any payments, it wasnt necessary to issue a 1099. I asked him about the tax payments to our county authorities. He said he reviewed our file and saw that Rushmore had made two disbursements of {$8200.00} each, one on XX/XX/XXXX, and one in XX/XX/XXXX. 

When I again asked him for a copy of the federal year end tax and interest statement, he said no electronic copies were available, but he could fax a copy. Since I do not own a fax machine, I asked him to fax a copy to our HUD Certified Housing Counselor, AND to send one to our home by mail. 

To date, as of XX/XX/XXXX, NO fax or letter has been received by me or our HUD counselor. I am very concerned that this document will not be sent out and our loan will be transferred to another servicer and we won't have any information regarding the payment our our property taxes.
Consumer complaint received 2020-03-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I have been dealing with Carrington Mortgage since the end of XXXX trying to get them to cancel a subordinate security deed they placed on my property. It's a subordinate security deed that they submitted to HUD and HUD rejected it but Carrington mortgage recorded the deed anyway. I am trying to refinance my property and I can not close on my property until Carrington cancels that security deed. I have been in contact with XXXX XXXX on multiple occasions and she has stated that she has escalated this to their legal department and VP however she has not responded to us in over a week and my lock is about to expire for my refinance. I believe that she has been unprofessional rude and unconcerned with me trying to refinance my property and get this subordinate security deed that is recorded in Error canceled so that I can close. I don't know what else to do except to report them to the CFPB or the bank and finance department. Can you help me?
Consumer complaint received 2020-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.