davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX DOB XX/XX/XXXX Please be advised that this is my 9th REQUEST I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Name of Account : Account Number : Provide Physical Proof of Verification!!!!!!!!!! this need THIS MUST GO TO YOUR COSTUMER SERVICE DEPARTMENT!!!!!! IN THE USA NOT TO A XXXX this was your reply .... all wrong and was in violation of the FCRA Case number : XXXX Status Company responded Trans Union said : Explanation of closure The Fair Credit Reporting Act allows : Bankruptcies to be reported for 10 years from the date of filing. However, it is TransUnion 's policy to report discharged or dismissed Chapter XXXX bankruptcies for seven years from the date the bankruptcy was filed. Voluntarily dismissed bankruptcies, regardless of the chapter filed, are reported for seven years from the date the bankruptcy was filed. Accounts included in the Bankruptcy filing to be reported for seven years from the date the bankruptcy was filed. 

The inquiries listed on your credit report are a record of the companies that obtained your credit information. All inquiries remain on your credit report for two years. Credit information may be requested only for the following permissible purposes : credit transactions, employment consideration, review or collection of an existing account or other legitimate business need, insurance underwriting, government licensing, rental dwelling, or pursuant to a court order. Your written XXXX XXXX not be required to constitute permissible purpose. If you believe that an inquiry on your credit report was made without permissible purpose, then you may wish to contact the creditor directly, in writing, regarding its purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist. 
WRONG THEY MUST HAVE PERMISSION. TO ACCESS MY REPORT THEY DID NOT!!!!!! 


BANKRUTCY chapter XXXX for XXXX MUST BE DELETED VIA COURT ODER SEE PAGE XXXX OF ORDER I HAVE SENT YOU THE COMPLETE ODER AND I AM IN THE SETTELEMENT DOCKET # XXXX XXXX NUMBER XXXX YOU CAN CALL THE COURT AT XXXX TO VERIFY ORDER TOWER FED XXXX XXXX ALSO MUST BE REMOVED VIA COURT ORDER READ ORDER IN CHAPTER XXXX FOR STATE OF VA remove XXXX INQUIRY ... DO NOT SAY VERIFIED I CALLED THEM AND THEY DO NOT KNOW WHO I AM AND HAVE NO PAPER TO SHOW I APPLIED FOR CREDIT. 
PER FCRA YOU MUST SHOW HOW YOU CORRECTED THE ITEMS AND SHOW HOW YOU INVESTIGATED THE COURT ORDER. 

MY ID IS ATTACHED!!!!!!!
Consumer complaint received 2016-08-22
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE (MD)

In checking my credit report I noticed that my credit limit had been reduced. I was not previously notified. I contacted the company and was advised that my limit was too high and so my limit was reduced. I asked about with reducing my credit that that still keeps my limit high to appear that my card is now maxed out which would affect my credit. The rep was nasty as said that it is their money that they are loaning me and they can take it back when they get ready because it 's their money.
Consumer complaint received 2016-02-10
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Asset Recovery Solutions, LLC (NY)

I received a phone call from XXXX at XXXX at my home phone number XXXX. The person who called did not leave any message saying that they are debt collector at. all. I get home at XXXX and see that my phone answering machine is blanking means some one called and left the message. I try to listen the message but their is no any clear message saying that they are debt collector and calling to attempt to collect the debt against the third party., I called that number at XXXX this evening which was showing in my phone ID caller XXXX XXXX Extn XXXX from Asset Recovery Solutions LLC. pick up the phone. During the phone call he did said that he is debt collector but did not say his debt collection agency name at all.. The debt collector is harassing me. I did received their letter in mail yesterday on XXXX/XXXX/2016. I did called the number XXXX which was written in their letter. I spoke with XXXX XXXX, Extension # XXXXabout this debt. I did told him that I do dispute this debt and I think the debt company who represent by this collection is not the correct agency to whom XXXX XXXX sold the debt. I did told him I do disputes these charges and still try to settle if I can understand these debt in question. They called today at XXXX and using other number XXXX .This phone number is not they listed in their collection letter at all.
Consumer complaint received 2016-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (FL)

I am repaying my loan since 2014 on time all the time. I have a 6.125 % interest rate on the loan. Well the loan has not gone down in two years of making payments and I wanted to start paying extra amounts to be applied to the principal of the loan. Nelnet said that is not possible, they will take the extra amount, but they will apply it first to the interest and then to the principal. I seems to me that is an unfair practice since they will be making more money out of my loan.
Consumer complaint received 2015-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

My house was current on payments. Another person 's bankruptcy took my house, held it for about 30 months, then gave it back to me. During that time they did not make any payments but collected the rent. I attempted to refinance but my existing lender would not cooperate with escrow and my new loan fell apart. I have asked for a loan modification but Chase again refuses to cooperate ( no returned calls, etc ) Now Chase has filed a notice of foreclosure sale but did not post the house and did not mail anything to me. I can not catch up on all the back payments that were started by the bankruptcy that was not my doing. All I want is to keep my house after working out some kind of loan modification with Chase. I feel this action by Chase may be due to me having a XXXX name or that I am a woman owning the house alone. 
This is urgent as the foreclosure sale is scheduled for XXXX XXXX, 2015
Consumer complaint received 2020-08-10
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. (OH)

I checked my credit report and found accounts that do not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.
Consumer complaint received 2015-07-30
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: The J. G. Wentworth Company (TX)

On the day before we locked in a mortgage rate I was sent a list of rates and applicable charges/credits. On that day the rate that we preferred was 4.125 % with a 0.25 % XXXX {$530.00} XXXX credit back to us. This was also the one recommended by the mortgage company. Due to the closing date we had to wait an additional day to request the 30-day lock. The following morning I contacted the person at the mortgage company I had been working with and told him we would go with the 4.125 % rate. The paperwork I received the following day showed a {$530.00} CHARGE rather than a credit. When I challenged this I was told, " I thought you knew that interest rates went up and that 's why it 's now a charge. '' Even if I knew that interest rates had gone up, how could I be expected to know how it would affect the points on the loan? And it should have been explicitly disclosed to me rather than my having to notice that a credit had turned into a charge. I believe this was done intentionally with the hope that I would not notice.
Consumer complaint received 2016-08-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

On XXXX/XXXX/XXXX we received mortgage servicer, Carrington Mortgage Services ', " HAMP Non-Approval Notice '' dated XXXX/XXXX/XXXX. Carrington Mortgage Services ' denial letter listed the reason for denial as " Application Discrepancy '' ; further described in their letter as " Reasonable evidence exists indicating that you submitted income or other information that is false and/or misleading in connection with your application for a loan modification under HAMP. '' On XXXX XXXX, XXXX, I contacted the assigned single point of contact, XXXX XXXX, for a more detailed explanation. He explained that during a XX/XX/XXXX Carrington Mortgage modification review, the borrower hand wrote his unit number on his paystubs and that due to this, Carrington Mortgage now had reasonable evidence that the loan modification documents provided for this XX/XX/XXXX modification review are fraudulent. I advised XXXX XXXX the same information that was advised back in XX/XX/XXXX, that the borrower hand wrote his unit number " XXXX '' on his paystubs because it was incorrectly represented as unit " XXXX. '' The borrower did not intent to mislead or misrepresent information ; he simply wanted to correct a clerical error on his paystubs and did not anticipate the simple correction to be taken as fraud. 
XXXX XXXX advised that a written appeal letter together with a cellphone bill, internet bill or cable bill as further proof of residency, would prompt a review and if documents are deemed acceptable -- a re-opening of the currently closed XX/XX/XXXX HAMP loan modification review. 
Therefore, on XXXX/XXXX/XXXX, we sent Carrington Mortgage an appeal letter along with a XXXX cell phone bill dated XXXX XXXX, XXXX, with XXXX XXXX 's address listed as : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX, as further proof of residency. 
On, XXXX/XXXX/XXXX, we received a " Non Approval Notice '' dated, XXXX/XXXX/XXXX, regarding our formal appeal letter dated XXXX/XXXX/XXXX. The letter stated Carrington Mortgage is unable to provide mortgage assistance because " Upon completion of the evaluation, CMS has determined that the documentation you have provided does not change the original denial disposition. '' On XXXX/XXXX/XXXX, I spoke with assigned single point of contact, XXXX XXXX, who stated the reason for the appeal denial was due to property inspections Carrington Mortgage performed which determined the property is tenant occupied and not borrower occupied.
Consumer complaint received 2015-05-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (ME)

My mortgage company went from XXXX to XXXX XXXX XXXX to Green tree and has been nothing but Inconsistent communication. As I have tried to establish some form of reasonable payment I have been tossed around like trash. If I was given different deadlines and always tried to reach them, leaving messages asked for a return call. It never happened. My payments were anywhere from XXXX down to XXXX and XXXX with ARM of XXXX % interest. This has been all over the place from the start, My home has been underwater for some time now, My husband and I have even walked from the home after filling Bankrupsy back in XXXX and returned after a year and half when given false hope the bank would work with us, not to mention the company that they had monitoring our home when we left, appeared to have taken all the copper piping. When Green Tree sends you paperwork, often you will recieve several copies from basic mail, XXXX, Certified. With messages to call, or will have unidentified people walking around your house snapping pictures and leaving notes on your door to URGENT! call Green Tree, and when you do, end up leaving messages with no return. I do n't want to loose my home, but this company is not really there to help. This process has taken my trust, my money, my serenity, with no desire to help ones that need it most.
Consumer complaint received 2016-03-28
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (FL)

XXXX XXXX, 2009 I was granted a discharge for a Chapter XXXX bankruptcy. I included XXXX non-federal student loans in my Chapter XXXX bankruptcy and was granted a discharge by a federal judge. XXXX and American Education Services has continued to pursue payment from me for over six years. I paid what I could because they always threatened to report to collection agencies. I have been trying to repair my credit and therefore wanted to keep collections off my record. Many times I had to forbear the payment or decrease the amount, but I juggled to keep them from reporting to collection. I recently came across my bankruptcy discharge and would like to file a complaint for the civil contempt of court made by XXXX and American Education Services.
Consumer complaint received 2019-10-19
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. (FL)

I am a victim of Identity Theft through a data breach at XXXX XXXX XXXX. The accounts I have identified and notified Law Enforcement of on my credit report are truly fraudulent, I XXXX XXXX, do not relate to any of these transactions that were made or were applied for and resulted in hurting my credit score which I highly value. Despite prior disputes Equifax has not blocked, removed, updated or deleted this information pursuant to section FCRA sec 605B and 15 Code Section 1681, once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. These are the accountsIve identified as fraudulent to law enforcement : US Dept of Education : XXXX & XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2017-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I relocated to the XXXX area for work and rented a small apartment for XXXX months. The last month 's bill was not forwarded to my address which I had left with the rental agency. The debt of {$59.00} was sold to XXXX by XXXX in XX/XX/XXXX, XXXX years after I had moved out of the apartment. I was not aware of the any debt being owed to XXXX. When contacted by XXXX, I stated I was unaware of the debt, but researched it and determined I owed the amount. I agreed to pay XXXX and was told that my credit bureau would not be impacted due to the circumstances. That payment happened on XX/XX/XXXX. I have followed my credit bureau and my scores have been in the XXXX since that payment was made. My last update was on XX/XX/XXXX and my score was XXXX. On XX/XX/XXXX I applied for a mortgage and was told that my credit score had dropped to XXXX. This was due to a collection account being reported by XXXX XXXX The same account that I had paid in XX/XX/XXXX of the previous year. I had contacted the company and was told that the account had a zero balance and was being reported as paid in full, which it was, but was also showing as a collection account. What does n't make sense is that XXXX reported the account as a collection account XXXX months after it was paid in full and had not been reporting on my bureau during the months in between. They offered to send me a letter confirming a zero balance. I inquired as to why I was told by XXXX of their agents that this would not impact my credit when I paid it and was informed that it was their policy to report accurate data to the credit bureaus within 45 days of a debt being assigned to them for collection. I asked for a supervisor and was denied. After a second call, I asked for the trade line be removed and explained my entire situation again. I asked for a billing dispute team and was informed that they would look into pulling the original call to determine what was communicated to me. I attempted to call back a third time to lodge a formal dispute, but was unable to get through to an agent. I was forwarded directly to a voicemail at XXXX est. I made multiple attempts with the same result. I disputed the trade line with XXXX, will file a dispute with XXXX and attempt to contact XXXX again. I do n't see how this company can place a trade line on my bureau 7 months after I paid as agreed in full and was told that it would n't impact my credit. I am looking for XXXX to live up to the agreement we made in XX/XX/XXXX and remove this negative mark on my credit bureaus.
Consumer complaint received 2016-10-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (WA)

Kia finance created XXXX accounts for my loan. I was unaware of the XXXX accounts and continued making payments under the initial account, though payments under XXXX account numbers show I have not missed a payment. They have sent me letters saying I am in default and am risking repossession. I have bank statements, as well as the combined account statements that show I have never missed a payment. I have been charged late fees, when payments have not been late. I have been unable to resolve this with Kia after months of attempts.
Consumer complaint received 2019-10-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: EQUIFAX, INC. (TN)

1st, I have never lived at the address this bill was charged to. 2nd, this debt was removed after filing a complaint to Equifax. Finally, I didn't realize I had to file a complaint with XXXX too in order to have get this removed from my credit.
Consumer complaint received 2016-11-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCC Business Services, Inc. (CA)

I believe the apartment leased was uninhabitable after 4-5 months of dealing with schedule XXXX XXXX being leaked from another unit into mine on top of constant water flooding of my unit from above. I contacted the manager no less than 10 times through written and verbal complaints about these issues. 

I left a notice of abandonment and vacated the property on XXXX/XXXX/2015 leaving it in reasonable condition. 

The company is currently trying to collect {$4800.00} for around 45 days of rent while they tried to collect a premium renting my unit. They eventually leased it for around {$200.00} less than I was paying at the time.
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I contacted the credit bureau in reference to some unauthorized and uninitiated inquiries in my credit file. They advised me to contact the creditor, if I did not contact them in order to establish a relationship initially why should I have to contact them to have it removed. The credit bureau broke the law by allowing false information to be reported in my file. So they need to contact them to have it removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX I am writing to dispute the following information in my file. I recently received a copy of my TransUnion credit report. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. The XXXX inquiry is mine but should only be in my file 1 time it looks to be duplicated. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 twice this inquiry is duplicated multiple times, XXXX is authorized. 
XXXX XX/XX/2016 XXXX XX/XX/2016 Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-05-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (SC)

I attended XXXX University and had to get loans to cover the cost as I had to pay for school myself. The monthly payment now is going to be right at {$600.00} a month. I have spent two months calling XXXX XXXX ( now Navient ) telling them that I am willing to pay my loans back but I would need to get the payment lower because this is going to be a high expense. Also I have had employees of Navient state that my payment is very high. After repeated calling I just keep getting the same answer which is " your disposable income is too high for us to lower it '' but I am living at home because I do not want to be in a financial bind when I do move out. I just do not see how when they have someone who is willing to pay them, they will not even try to work with me on this. Also I co-signers but they are my grandparents and I have told the company that I am the only one who is going to make payments due to my main co-signer having XXXX.