davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NH)

I have already lost my home to foreclosure. I had XXXX XXXX  XXXX and not only were they very hard to work with, I could never get a correct answer as to why my Mortgage that was at a fixed rate would go up. WHen I did get behind in PAyment back in XXXX. Shortyl after, my mortgage was sold and now I was paying XXXX XXXX XXXX at a much higher Mortgage amount than I was paying before. I was a first time home buyer and started with a first time home buyers program with the State of New Hampshire. We refinanced with Green tree and put on a new roof had the house panted and a few other things we needed. I was with Greentree from XXXX it was sold and then sold again when XXXX XXXX XXXX took over. They were no better. I ended up losing my house. My husband became chronically ill and end up XXXX this past XX/XX/XXXX at the age of XXXX. In the year XXXX I received a letter on a class action suit for green tree that I was part of and I have misplaced that letter. I even forgot about it when my husband of 28 years and together for XXXX at the time had XXXX XXXX   and was in and out of the hospital in a XXXX  for 14 days and thirty days in the hospital before his death. 
I believe the class action suit was for when my mortgage payment went up without notice and may have been because I was being charged flood insurance.I tried to find that letter but I believe moving twice in a short span may have contributed to getting lost.. I do not how to go about getting the information on filing with that class action suit. I am not sure if everything is on a time limit and if I am too late. It just seems like I am made to lose. Even social security never approved my husband until he died and with that, after 12 years of trying, he got 7 months of social security after working 22 years for the same comapny.No severance pay no retirement no social security- one of the reasons we became late on our mortgage. If you could please help me in locating the class action suit and see if I am still able to file I would surely appreciate that. I am tired of struggling financially because no one wants to help. If I was due money from that suit I really can use it now. I did the best for a family of five on my income for the past 10 years. No other income from my husband. We were foreclosed on, lost our vehicles and I had to swallow my pride and go to local food banks. I could not get any state help because it goes by the years before taxes. Even if we were no longer making that money. My husband died XXXX. I am sure the stress of losing everything did not help. 
This class action suit if I and my dead husband are owed I could use the money to bury him.
Consumer complaint received 2019-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC. (WI)

I took out a loan with Net Credit on XX/XX/XXXX in amount of {$2000.00}, the went to collections NC Financial and Net Credit i settle 35 % off the full balance on XX/XX/XXXX with my account balance XXXX and the account has been discharge.
Consumer complaint received 2019-05-21
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. (PA)

I was alerted today XX/XX/2019 that there was a new hard inquiry on my credit report from XXXX/XXXX located in XXXX, FL XXXX. I did not authorize this and I have not had any contact with this company.
Consumer complaint received 2019-05-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I currently have 12 [ 30 Days Late and 2 [ 60 Days Late ] payments reported on my Credit Report, that I have disputed with all 3 Credit Bureaus, and have received no resolution to date. The issue with most of these late payments reported are that they were not paid 30 days after the due dates, which are the 25th of every month. For instance, XX/XX/XXXX shows 30 days late, but during the XXXX XXXX   XXXX gave a deferment and assured consumers that payments would not be reported late, but it was. Then XX/XX/XXXX, it shows 30 days late, but a payment in the amount of {$620.00} was made on XX/XX/XXXX Prior to the payment due dates there are 'LATE PAYMENT REMINDER '' emails generated with " PAST DUE AMOUNTS '', which are generated as early as 7 days in advance. The emails will show payments that differ from the " REGULAR PAYMENT AMOUNTS '. For Example, the Payment amount due will show {$610.00} and The Regular Payment Amount will show {$620.00}, and if Payment is made for {$620.00}, then there is a LATE PAYMENT NOTICE GENERATED, AND A 30 DAYS PAST DUE PLACED ON YOUR CREDIT REPORT FOR THE DIFFERENCE OF {$2.00}. 
This is highly unfair business practice, due to the fact that the Company generates the notices and even when you logon to the payment portal to make payments, it will show ONE AMOUNT BEING DUE AND A DIFFERENT AMOUNT AS REGULAR  PAYMENT. My issue is, how the payment can be considered late, if the amount paid is according to what is showing due, and moreover, the amount paid is OVER the amount showing due. 
Also, I was informed by a XXXX representative that there is a 15 day grace period after the loan payment due date, so again how are the payments considered 30 / 60 days past due. 
I am not sure if this Credit Union is an accredited business, but what I do know is their business practices are FAR OFF, and for that reason this Bank needs to be investigated. There are only a few representatives at XXXX ( XX/XX/XXXXbeing one of them ), who are willing to really help and assist the Loan Customers.
Consumer complaint received 2019-05-22
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. (GA)

Hi I sent a complaint regarding items on my credit that are not mine. I went to try and get a home loan and was denied. I looked at my credit again and there are items on my credit that are still not mine. I've contacted the FTC and filed with the police. I'm doing this on my own behalf. Please remove XXXX XXXX   XXXX, Dpt of edXXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-05-21
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: Experian Information Solutions Inc. (TX)

On XX/XX/19 I submitted a dispute with Experian disputing the XXXX XXXX XXXX collection account that is reporting on my credit report. Experian claims the debt was validated and did not remove it from my reports. 

XX/XX/19 I submitted a request for Experian to provide me method of verification they used to ensure the debt was valid. I never received anything confirming. 

On top of that, this account is a collection reporting a past due balance. This is also a violation. 

I reached out to XXXX XXXX XXXX on XX/XX/19 to request validation and they also failed to provide me with any documents regarding this account.
Consumer complaint received 2019-03-08
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. (GA)

Hi I attached my credit report I have student loans and I never went to school. I have multiple collections and charge off. I don't have any bad debt. I drive for XXXX and I have XXXX kids and a wife. Life is hard for us. Please I don't know who could've done this to me. 
XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$630.00} Closed Hide closed ( 1 ) CREDIT CARDS XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2200.00} Closed XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$1400.00} Closed XXXX/XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$440.00} Closed XXXX XXXX   XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed OTHER LOANS XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed STUDENT LOANS XXXX   XXXX XXXX / XXXX not mines Reported : XXXX XXXX, XXXX + {$4100.00} In good standing XXXX  XXXX XXXX / XXXX not mines Reported : XXXX XXXX, XXXX + {$4000.00} In good standing Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 

I have not applied for anything please remove these inquiries XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX NA Inquiry : Apr. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX/XXXX XXXX VISA Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Travel/Entertainment ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX/XXXX Inquiry : XXXX XXXX, XXXX + Travel/Entertainment ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

XXXX XXXX Reported : XXXX XXXX, XXXX + {$1900.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$860.00} Needs Attention
Consumer complaint received 2023-01-19
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: EQUIFAX, INC. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-19
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. (NY)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-19
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. (CA)

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MI)

Hello, I am employed in public service and eligible for public service loan forgiveness ( PSLF ). My student loan servicer is MOHELA. My current loan balance is {$99000.00}, all in federal direct consolidation loans eligible for XXXX. 

I submitted an employment certification form XXXX XXXX  ) / application for XXXX on XX/XX/XXXX. My employer was determined not eligible. This was acknowledged as erroneous over the phone with MOHELA support and a supervisor on XX/XX/XXXX, at which point the wait time to speak with support was 2 hours and 12 minutes. Notably, my employer appeared in the list of eligible employers on the studentaid.gov site, I had documentation of their eligibility, and hundreds of people at my employer had already received forgiveness. 

I was told that I would need to submit the XXXX application again to be reprocessed correctly. I did this on XX/XX/XXXX. A few weeks later, I obtained an updated form from my employer ( with documentation of employment through XXXX ) and submitted it on XX/XX/XXXX. Again, this was produced using the XXXX tool on the federal student aid website and confirmed an eligible employer. 

This morning, just over 3 months after my form submission on XX/XX/XXXX and 5 months after my initial submission, both forms were marked duplicate and cancelled by MOHELA rather than processed. I should have qualified for XXXX at the time of my initial form submission 5 months ago.
Consumer complaint received 2017-07-31
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. (NJ)

On X/XX/2017 I was on the XXXX site inquiring about a possible loan, # XXXX. The site offers a credit score ( rate ) check that will not affect the consumers credit score. It stated that a soft pull would be completed and not a hard pull. I am moving through the application not fully understanding that this was an actual credit application. No where on the site or statement did it say if you go any further a hard pull ( inquiry ) would be required. I later called customer service to ask before moving any further and was told I should expect that it would be a hard inquiry since it is credit related. I followed up by stating that no where did the application ask for authorization to pull my credit profile. Also, the customer representative telling me the truth in lending statement states a credit pull is necessary and then once he checks and he realizes that it does n't say a credit pull is required, then he states '' well you should have figured that out '' is an unacceptable business practice. My response to the rep is that most alternative loan sites do n't normally do hard pulls so you can not assume all consumers will understand that. It is also misleading because no where on the site does it inform the consumer that a hard inquiry is required to apply. I do not want a loan and was only researching rates and would like the credit pull removed from my Trans union profile. I should not be penalized because the site is not transparent. Lastly, why not be willing to help once you confirmed that the site is vague and confusing.
Consumer complaint received 2021-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

PRA purchased a credit card debt from XXXX XXXX. I have requested verification of the debt four times since XX/XX/2020 and all I keep receiving are credit card statements. They have yet to provide any document bearing my signature that in anyway indicates or proves that this debt belongs to me.
Consumer complaint received 2019-05-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

This is now the THIRD TIME this supposed debt has yet to reappeared on my credit report. This supposed debt was discharged not of my responsibility due to the un ability to prove financial responsibility. On XX/XX/2017 I received a document by mail from XXXX XXXX XXXX XXXX stating that after due diligence and international investigation of all information shared by all partys this supposed debt was false non existent and was ordered to be removed immediately never to be used again against me because there were no findings of financial responsibility. Yet despite a certified legal document in response to this supposed debt being false by XXXX XXXX, the companys COMMONWEALTH FINANCIAL SYSTEMS and the original creditor XXXX XXXX XXXX XXXX disregarded this filing and finding. COMMONWEALTH FINANCIAL SERVICES LLC then proceeded to contact me yet again against these findings and claimed that XXXX XXXX XXXX XXXX withdrew this matter from XXXX XXXX XXXX XXXX despite their findings well after the date of these findings. In this legal document presented to me by XXXX XXXX XXXX XXXX that stated this supposed debt be removed immediately from all credit reports indefinitely. COMMONWEALTH FINANCIAL SERVICES LLC claim they sent a document proving these liabilitys, but the documents I requested as well as XXXX XXXX XXXX XXXX were not certified legal documents or copys of certified legal documents and or a certified legal contract or certified copy there of. Also XXXX  neglected this discharge of debt order due to un ability to prove financial responsibility and allowed this supposed debt once again be put on my report. My previous CFPB Complaints in this matter are # XXXX and # XXXX / ID XXXX there is sufficient documentation on this matter in the CFPB archives.
Consumer complaint received 2019-03-07
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)

XXXX  and Transunion are reporting me as 60 days past due on the XXXX  partial account number XXXX that has a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Consumer complaint received 2019-05-22
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. (SC)

I am a victim of identity theft the information detailed in my credit report does not relate to any transaction that I have personally made. I believe my information was compromised in 2011 during the XXXX XXXX XXXX data breach. Since I was notified of the compromise I have received several spam phone calls where the person already has my personal information regarding an account that I do not have. In the beginning of this year I review my credit and noticed several fraudulent accounts there as well.
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2019 I checked my credit report with Transunion and noticed false information being reported on my personal credit report with a company named XXXX/XXXX. I sent Transunion a letter via certified mail # XXXX on XX/XX/2019 and received a proof of delivery that they received my letter on XX/XX/2019. I have attached my credit report from XX/XX/2019, the letters I sent to Transunion, and proof of delivery for your review. I notified Transunion that there was an inaccurate item being reported on my credit report and that I contacted the company at the address listed on my credit report as XXXX XXXX, XXXX, TX XXXX, however, the mail was returned by the USPS due to an invalid address. I enclosed a photocopy of the returned mail. 

I have not heard back from Transunion regarding this matter. Today, XX/XX/2019, when I checked my credit report, I noticed that XXXX/XXXX was still listed on my account with false and inaccurate information. Given that the furnisher has provided false information to Transunion and a false address I demand that the item they are reporting be removed immediately. 
Thank you for your cooperation in this matter.