davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-22
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION (AZ)

XXXX XXXX committed XXXX as determined by XXXX XX/XX/XXXX. The family was notified about a week later when the XXXX was found. We quickly determined that the house was in default but worth saving and contacted Navy Federal who was the lender. At this time, they said we could not speak with them on behalf of XXXX without a death certificate. This was received and immediately sent to Navy on XXXX XXXX. We tried making contact once again and were told that we now needed probate paperwork from the court as we had no will. We immediately applied for this through the court systems. Navy immediately released the house for foreclosures when they received the death certificate ( Even knowing the situation ) as now they had proof of death. Then once we got the probate paperwork back on XX/XX/XXXX we immediately sent them copies of the probate order. We also left a voice message. On XX/XX/XXXX they returned a call and said they would send the paper work out for this loan to be reworked and credit was not really going to be an issue because of the situation ; but then on Monday XX/XX/XXXX they said this process needed to go to a different department because it had been sent to foreclosure and were sending another package of paper work out for the family to fill out. We got that XX/XX/XXXX. We are completing that package and returning it today. We feel they have stepped up the foreclosure process and really just keep sending us in different directions now that they have proof of death. This man served his country and had he would not be alive today. This is not compassionate, and I am embarrassed that we would treat the any of our service people or families with so little compassion.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AL)

Every month almost Equifax and XXXX has lowered my Fico score completely unfairly because I pay my credit card bill off in full every month. Theres absolutely no reason that my Fico score should drop. They are also letting anyone regardless of credentials or veracity attach any bill to my collection balance. The bills on my collections are several years old And I am not accruing any late or past due balances. I dont understand what type of people or mathematical formula they are using at those two institutions that paying my bills off every month in full somehow lowers my score. I would appreciate some help. Thank you.
Consumer complaint received 2019-08-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NY)

XX/XX/19 Auto pay benefits were cancelled because of one auto loan payment was reversed. 
I contacted the company but would not direct me to a supervisor. Giving me the run-around and putting Menon ridiculous wait times. 
I have suffient funds in my account. 

I have made loyal auto payments for the past few years and they cancel my benefits to lower my interest rate because of one incident. Navient was forced upon me and I have no choice but to agree to predatory terms and agreements.
Consumer complaint received 2019-08-20
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: Experian Information Solutions Inc. (FL)

Respond  As a victim of identity theft  (meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver's license numbers, in order to impersonate someone else) I have provided  relevant information about my Identity Theft Report. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623(a)(6)(A),you must not allowed  the furnisher may not continue to report that information to any CRA. FCRA § 623(a)(6)(A), 15 U.S.C. § 1681s- 2(a)(6)(A). Second, under FCRA section 615(f), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA § 615(f), 15 U.S.C. § 1681m(f).As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. § 1681i, a copy of which is enclosed, I am requesting that the item(s) be removed  to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question
Consumer complaint received 2019-08-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (PA)

I am trying to sell my home through a short sale. PHH is my loan servicer. I have submitted all the required short sale documents - PHH has a horrible overseas call center staffed by individuals who cannot speak clear english and cannot answer my direct questions pertaining to my short sale request.
Consumer complaint received 2019-08-29
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. (TX)

XX/XX/2019 - There is a fraudulent hard inquiry ( making my credit score go down ) on my Equifax credit report ( but not my XXXX  account ) from XXXX XXXX dated XX/XX/2019. I disputed with Equifax and their reply was 'inquiries are a factual record of file access - contact the creditor '. I contacted XXXX twice and after being on hold forever, finally reaching a person, I was then disconnected on both calls ; the third call I was told there was nothing with my name, no account and my social security did not show up with them at all. I asked them to contact Equifax to verify this information and was told they could not do that because there was no information showing up. I have never requested any wireless service or tried to set up an account with XXXX XXXX - have had my wireless service with XXXX for 15+ years now. I contacted Equifax and told them what XXXX said and was told filing a dispute with FTC or police was my only option now.
Consumer complaint received 2019-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I am on Income Based Repayment for my student loans.  I was given incorrect information over the phone, and verified this information multiple times with different people, about when the interest amount would be added to the principle amount of my student loan.  I acted based on this incorrect information, and due to that, the interest was added to the principle because I missed a deadline.  My loans are now growing at a faster rate because the interest amount each month is now greater, and my income based payment amount does not cover the interest that accrues.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc. (NY)

I disputed a GM Financial account with XXXX. The dispute was submitted on XX/XX/XXXX. I disputed the accuracy of the balance, payment history and late payments. 
GM Financial removed the monthly payment amount from the report which was {$580.00}. Reporting a balance of {$27000.00} original balance of {$28000.00}. They are reporting payments both on-time and ( late ) from XXXX to XXXX of XXXX which is also wrong but with monthly payments of {$580.00} how could the balance be {$27000.00}. No one at GM financial or XXXX seems to be able to solve this math problem for me.
Consumer complaint received 2019-08-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (LA)

On XX/XX/2019 I sent XXXX.XXXX, XXXX XXXX, $XXXX, via Pay Pal for a puppy for my daughter XXXX. So far I have not seen a dog. I have Emailed them and I have XXXX XXXX Instant messaged them. So far there is no response. Is there anything you can do to help me? I can’t afford to loose $XXXX On XX/XX/2019 I filed a dispute with Pay Pal, It was closed on XX/XX/2019 with no resolution to the problem!Transaction Date: XX/XX/2019Payment Amount: $XXXX USDRecipient: XXXX.XXXXTransaction ID: XXXXCase Number: XXXX
Consumer complaint received 2019-08-19
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: Santander Consumer USA Holdings Inc. (TX)

An XXXX XXXX XXXX company sent my information to road loans and ran my credit without my consent placing inquires on my credit report. I called XXXX XXXX XXXX and they would not help me, were rude and hung up. I contacted road loans via email and they refused to remove the inquiry, stating that they could run my credit as many times as they like. This is illegal. I am in the middle of a bankruptcy and can not have some scam sources running my credit. I have also contacted my attorney. 
Companies info : XXXX XXXX XXXX XXXX XXXX Loans XXXX
Consumer complaint received 2019-03-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (MS)

My mother consigned with me. We are both out of work right now and we both told the company that we needed to temporarily stop payments until we both get jobs. They have stopped calling my mother but I get at least 3 phone calls a day from them saying I need to make a payment or face a delinquency mark on my account.
Consumer complaint received 2019-08-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Grant & Weber (FL)

On wed XX/XX/19 I received a call from a person named XXXX XXXX saying she was the director of operations for for the offices of civil disputes. she stated her affiliated attorney had been trying to reach me ( no contact ever with any attorneys ) and she said i had not responded in the compliance period. she then said her fellow mediation division has been retained has not been able to communicate with me regarding case # XXXX and the rest is basically I better call right away. 
I called and they would not answer any questions or say who the firm was, i finally got out of her that I had a debt and they were going to take me to court to retrieve it. I quickly checked my credit reports and found no such debt. Today I got a call from a local number that when dialed went to this firm who I tricked the person answering into giving me the name. ( XXXX & Weber or Grant and Weber ) ( they are using spoofing phone numbers to trick people, the first call came from Delaware ) when I asked for this XXXX, a man picked up this time and was very rude and made fun of my name numerous times with changing his tone of voice in way to make himself sound effeminate when saying it. He said I had a dept from 7 years ago and they were filing in XXXX county to sue me unless I paid. when i told him over and over I do not have a debt he threatened me with filing a 1099c with the IRS so they audit me for 5 years! 
I know in Florida even if I had such a debt the statute of Limitations is FIVE years so this is in my opinion is bogus and just bad practice in harassing me. attached is a screenshot of the Voicemail she left, i still have the original vm audio too
Consumer complaint received 2019-08-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (TN)

I applied for a mortgage loan with Navy Federal Credit Union XX/XX/2019 and submitted all financial information that was required. I've spoken with XXXX XXXX and XXXX XXXX several times my file hasn't been underwritten nor has the appraisal been ordered. The builder is requiring me to pay {$75.00} a day until the loan closes if it doesn't closes by XX/XX/2019. I feel my file was set to the side and wasn't processed for a mortgage loan. Requested a pre-approval letter or conditional approval for the builder, they are refusing to provide that information. I have no credit issues or concerns that would hinder me from being able to acquire the loan. I feel that because we are a young XXXX couple that we are being targeted not being fairly treated in this process. I was also informed by XXXX XXXX the XXXX came back not as no hit, information filled out by Navy Federal to obtain that information didn't match the information on tax documents, it has to match for IRS to send the report. I went to Navy Federal for their mortgage services. I haven't been provided those services and clearly someone lack the ability to process financial information, verify information and secure the customer a mortgage loan.
Consumer complaint received 2019-08-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc. (TX)

The phone number that ‭+XXXX XXXX XXXX‬ AKA Credit Corp Solutions keep calling is not my number. They call from at odd times of the day and to the wrong number. My number is registered on the do not call list. I have no idea who credit Corp solutions is because I have not done business with this company.
Consumer complaint received 2019-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC. (AL)

As of XX/XX/2019 these fraudulant accounts have not been verified through signatures, photos or any other verification method that substantuates the adverse results on my credit report XXXX, XXXX and XXXX. The following accounts are to be taken into consideration : XXXX  XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My XXXX XXXX account was put into collections on XX/XX/2019. I have contacted XXXX and they have told me that i have never missed a  payment. It is impossible for me to make a late payment when my paychecks get garnished each pay period. XXXX have told me to do a dispute with XXXX. I have done so four times and they refuse to fix my report saying the information is accurate. I have even sent XXXX proof of payments along with a letter from XXXX stating i have never missed a payment. I have disputed this with XXXX the following dates and each one has said the information is accurate.XX/XX/2019XX/XX/2019XX/XX/2019XX/XX/2019I contacted XXXX on XX/XX/XXXX and they told me they let XXXX know multiple times that the information is incorrect. How does this go straight to collections without being notified of a 30/60/90 day late payment?
Consumer complaint received 2019-08-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (IN)

On XX/XX/2019: ordered video stabilizer from XXXXNever received product.On XX/XX/2019: -discovered company and product was fraudulent. The website is gone. The email was returned nonexistent. The product advertising was copied from a much more expensive product from another company. Found non-english video on XXXX that seemed to indicate the product and company was fraudulent.There is no way to get a hold of the company, period.-Same day, called and notified Bluebird/American Express of the fraudulent transaction. They gave me no indication that there would be more documentation needed. Or that I would need to check my email. Therefore I expected the same form of communication...a phone call. On XX/XX/2019 TWENTY FIVE DAYS later - Bluebird sends an email requesting more information from me for the ridiculously obvious fraudulent transaction. And giving me  TEN business days to respond.And giving themselves FORTY FIVE days to respond to me. ( I do not check my email every week unless I am expecting communication.) On XX/XX/2019:Bluebird sends email notifying that dispute is refused. With no information on possible process or time limit to rectify except an address to request information.- Same day, I call Bluebird. Rep agrees that this was an obvious fraud situation and assures me that it is taken care of. My refund is forthcoming.-Same day, Bluebird sends an email to me that says they received my disputeOn XX/XX/2019:-Bluebird sends email requesting documents in .doc, .docx, .pdf, .png, .jpg, or .jpeg, which does not exist., through a cumbersome process - no way to forward an email. I only have an email from a nonexistent reply address.And gives me FIVE business days to respond and themselves FORTY-FIVE days to respond. ( I do not check my email every day.). They did not provide a way to forward the email from the company to them (the only communication I had from the merchant)On XX/XX/2019-Bluebird declines my dispute with no information on recourse.XX/XX/2019I again get the nerve and time together to contact Bluebird.After nearly an hour on the phone, they refuse to attempt to contact the merchant or provide a way for me to provide any proof. I am not happy with the entire burden of proof, with ridiculously short time limits of response, placed on me.  Any attempt by Bluebird to contact the merchant would fail. They can contact them to send them my money. But they can't contact them to see if they even exist?Thank You.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

in XX/XX/2019 XXXX XXXX reported a charged off account against me in error.   my transunion credit score decreased over 40 points - i disputed this with transunion - meanwhile - i communicate this error with XXXX and they agreed to remove the information from all three credit agencies - this was back in XX/XX/2019 - the other agencies have removed the item but transunion has not.  i filed another dispute with transunion under the reason "creditor agreed to remove this item" but this has not resulted with transunion correcting this error. then to make matters worse - on XX/XX/XXXX - transunion (reported by XXXX XXXX) dropped my score another 30 points but there is absolutely no reason for this - in fact THE ONLY CHANGE that occurred for my account was TWO POSSITIVE events - two collection accounts were REMOVED - leaving me with 0 collection items.  why would two positive events cause an additional 30 point drop.  transunion could not  provide me an explanation via phone - so considering this is the SECOND issue that i can not resolve with transunion - i am requesting assistance from crpb to assist me in resolving this 70 point decrease that can not be explained nor justified - the fair credit reporting act REQUIRES transunion to correct these errors immediately as it is causing me financial and employment issues.  i could sue them for interference with economic relations as this 70 point error is impacting my ability to obtain new employment and purchase a vehicle for transportation to and from work.
Consumer complaint received 2019-08-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TX)

The company I.C. System Inc is illegally re-aging an old debt. The original date of last correspondence that my husband received from XXXX, was in XX/XX/XXXX seeking {$1000.00} on past due debt. My credit report shows the last date of payment in XX/XX/XXXX, yet I.C. System Inc continues several times in a month, to update the debt as new which in turn continually TANKS my score each month. This is illegal and I want to file a complaint AND sue this company.
Consumer complaint received 2019-08-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Westlake Services, LLC (CA)

XX/XX/XXXXWe recently contacted California Department of consumer affairs regarding a vehicle we bought in XX/XX/XXXX  from XXXX XXXX XXXX XXXX through West lake financial we made about six payments and now on the vehicle and then later we found out the vehicles have alot of recalls more then 10 the dealership which did not disclose about the safety recalls that was on the vehicles so we did a voluntary repo in the which Westlake financial took possession  of the vehicle and sent it to the Auto auction they sold the vehicle for Less then what it was worth and know we are being sued by Westlake financial for the remaining of the balance
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I previously submitted a complaints about this account XXXX/XXXX XXXX bought by XXXX XXXX XXXX XXXX, about being in my credit report thats should be removed. I got a response from your company on XX/XX/2019 that this account is does not appear on my personal credit report and you are in a process of mailing me a current Experian credit report which I have never recieve. As of XX/XX/2019 I check my Experian credit report and I still see the XXXX XXXX still being in my credit report. I have attached proof of my current credit report and proof of your response on my last complaints. Please removed this immediately. 

Thank you
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/19applied online through experian, XXXX, and XXXX XXXX to freeze my credit report.  For an unknown (possibly technical) reason, I was not able to complete the online applications.  For experian specifically, I froze my account by phone, after online attempts were unsuccessful.  The last prompt from these credit companies stated that a PIN would be sent to me through the mail.  More than 2 weeks later, I have not received any PIN, correspondence, explanation, or any kind of communication from these 3 companies.  Freezing ones credit should not be a long drawn out process.  If a consumer is freezing their credit, it is pretty important and should be addressed in a reasonable amount of time.    If there was identity theft involved, I think 2 weeks is too long to wait to protect my information.  Where is my PIN?  Are my accounts truly frozen? Who knows.  These credit companies don't protect my information, and should be held accountable, more so than a pathetic $XXXX payout (hush-money) or 10-yr credit monitoring.