davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-30
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: REGIONS FINANCIAL CORPORATION (FL)

Early in XXXX applied for a regions bank home equity loan. Loan office was very inefficient and delayed the process stating that bank underwriters where not very responsive. The officer quit employment and moved to Indiana I was then introduced to new Bank officer XXXX XXXX. She said individual left and best to start whole process over, allowing her credit for transaction. I inquired if anything different and she said no. Process was completed and I was told there was a penalty for early termination except for sale of property. I sold property XXXX XXXX and title company send pay off figures which should have been XXXX. I was then informed that a penalty would be charged. I sent XXXX XXXX an email with information only to be told that the document required the penalty due to regions changing the contract during my application. If done before as i attempted their would have been no penalty. Attached e mails XXXX stated that she was wrong in her statement to me of no penalty at any time do to sale of property. She forwarded to bosses only to be told Federal lending laws prohibited the waiver. This response even after XXXX XXXX told Bank she misspoke and misled me. If the request was processed properly by bank loan officer I would not have received this penalty
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Incorrect information on numerous accounts are still showing up in my consumer profile. I've sent in numerous complaints and the information is still not being update or removed. All 3 credit reporting companies do not respond to certified mail nor properly handle calls. I have recorded calls and conversations with these companies on how they mistreat my personal information and me as a consumer. I have fraud alerts that have been ignored as well by these companies and my personal information is being sold for their profit and gain. I want all late payments reporting negatively amongst all 3 credit reporting companies, XXXX, XXXX and TransUnion to be removed asap! I have supporting documents that's been mailed certified to all 3 companies that have been ignored for almost 2 years now. My next step will be seeking leg action and compensation from active parties including the CFPB.
Consumer complaint received 2015-12-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc. (VA)

They called frequently and at odd hours including weekends. They were rude and wanted information from me without telling me who they were. Asking for my private information. I was laughed at hung up on and talked down to for wanting to know who was calling me and why. I was cussed at also by them. They would n't help me with anything I have never received a paper letter from them saying I have a debt with them. They called from multiple numbers, if I answered I got a man who you could n't understand who then forwarded you to the company who asked why you were calling them. They are completely unprofessional and crazy. They think people do n't know the law and what they are allowed to do and not do. After I finally got to then and not hung up on I started quoting the law to which the manager laughed hysterically and told me to be quiet little gir ( I am not a little girl )
Consumer complaint received 2017-03-29
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Ability Recovery Services, LLC (OH)

I attended XXXX University Online campus and I withdrew from their program but they signed me up for class that I did not know I was registered for. I received a bill for XXXX and I called them to resolve it and they said that I owed the money. Now the Account is with Ability Recovery Services and has since been included in my chapterXXXX bankruptcy. This account is listed under derogatory accounts from ARS collection agency and I want it removed immediately from my file with all three credit reporting agencies.
Consumer complaint received 2016-07-16
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Ability Recovery Services, LLC (IN)

This collection Agency has sent me a letter stating that I owe {$690.00} for a organization / company I have been paying, but they also claim I owe them for the same amount. XXXX XXXX XXXX XXXX claims I need to pay the full amount if not then I will sued in court, but they actually did not provide anymore verification about the amount of debt or further information about the company they were hired by to collect the debt.
Consumer complaint received 2016-03-16
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (OH)

The now defunct GreenTree Mortgage Servicing, in addition to having wronged us in all ways you made judgements against them in XXXX 2015 ( which we did not know about until today ) continues to report our old mortgage as delinquent and unsettled to the credit bureaus, two years after the sale of our home and AFTER sending us our PAID IN FULL stamped documents. We made 12 years of on time in full payments to them and I ca n't get anyone at Ditech, who bought them, to help us. We just want it off the credit reports. It 's our only black mark and its trashing our scores.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

Just reading about a suit brought against Navient and XXXX with respect to borrowers rights. I have had, and still do have, loans with Navient. In an effort to speed up my loan repayment and minimize the interest earned against my loans, I had set up biweekly automatic payments through my personal bank ( similar to what most people do with their mortgages ). For example, if my student loan bill for a month was {$100.00}, I would make two payments of {$50.00} prior to the due date of that month 's bill. This repayment method, however, created significant issues with Navient and caused me to incur several months of late payment fees which I would have to fight in order to have them removed. Not to mention, I was not able reduce my debt burden by reducing the principle to which interest would be accrued against. The issue lies in the fact that while I would only see a monthly bill for {$100.00} ( using my prior example ), Navient would actually view it as multiple " bills '', depending on how many loans I had with them. So my {$100.00} bill may be viewed to them as XXXX loans with monthly payment balances of {$40.00}, {$30.00}, {$20.00}, and {$10.00}. So if I made an initial payment of {$50.00} towards my monthly bill of {$100.00} to Navient, they would apply the {$50.00} first to any outstanding penalties. Next, they would take the remaining and apply it towards the interest due for the month. Finally, whatever may have been left over would go against the loan with the highest principle remaining. Sticking with my example, and assuming no penalties, my initial {$50.00} payment may cover the interest due ( say the interest was {$35.00} ). The remaining {$15.00} would go towards the loan with the highest remaining principle. My second {$50.00} payment would also go towards the loan with the highest remaining principle. Although I have fulfilled the amount due on my monthly bill, Navient views the other XXXX loans as not having been paid for the month because the monthly principle payment for those loans was never satisfied in my two payments of {$50.00}. The next months bill would reflect a late payment penalty as well as a balance due for the previous month. This went on for several months until I had to finally give in and resort back to a single monthly payment. I could n't afford the risk of having to call every month to fight for my payments to be distributed correctly in order to have any late fees and penalties removed. 

I can provide documentation of bills that received the full monthly balance due but still incurred penalties due to Navient 's mishandling of payments.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (KS)

About 3 years ago I finished college and entered a payment play with navient. When I called them, I specified my future goals were to use the XXXX forgiveness plan and the public service 10 year forgiveness plan. I was advice to enter a 30 year consolidateed plan. Last week I called navient to see my progress to that goal and make sure I had the write paperwork to turn proving my past three years of publoc service. I was told over the phone that my payment plan was not eligible for forgiveness, I needed to enrolled in the income driven repayment plan. I had made 36/120 faith full payments ( $ XXXX ) wasted to be told I had to start all over gain. The difference between the XXXX plans? Barely {$500.00} dollars in their favor. I have talked to many different public school teachers who got the same advice I did. It is wrong.
Consumer complaint received 2015-03-30
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CA)

I opened new accounts at Chase bank on XXXX/XXXX/2015 and the next day, I closed my account with XXXX XXXX XXXX and made cash deposits of {$6000.00} ( {$3000.00} into my Chase Checking Account and {$3000.00} into my Chase Liquid Account ). 

At a point between XXXX of XXXX/XXXX/2015 and XXXX of XXXX/XXXX/2015, there was a break in at my home and valuables were taken. This matter was reported to the XXXX XXXX on XXXX/XXXX/2015 with report number XXXX. 

I was n't sure if I lost my wallet which had my chase bank cards while I was out, or if it was taken during the break in. 

On the morning of XXXX/XXXX/2015 I could n't find my wallet. I checked my account online and saw that there were unauthorized transactions on both my checking and Liquid Accounts. Then, I went into a branch, same branch where I opened the Accounts, by my house. 

My transaction summary was printed for me at the branch and the Manager of the branch called the back Office on my behalf, and a claim was filled, on XXXX/XXXX/2015 and I was told to wait 1 to 2 business days, for my account to receive provisional credits in the amounts been disputed. 

Today is monday, the 3rd business day. I have n't received any provisional credit from Chase bank, as it is a bank that deceives customers. 

Chase has clamored that the reason for the delay is because it 's a new account. But let 's not forget I knew it 's a new account too, when I closed my account at a strong bank and deposited large amounts into a " new account ''. Nobody knows my pin, the Merchant would not talk to me. I was told to talk to my bank. So what am I expected to do? 

I urge chase bank to honor the words of its members of staff, and issue me provisional credit for all disputed transactions.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number ( XXXX ) XXXX in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-07-27
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. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX DOB : XX/XX/XXXX ACCOUNT : XXXX Closed Account number XXXX The day I received the letter charging the first late fee, I went to XXXX in XXXX XXXX to pay directly to them, I went to the counter where they have the perfumes and coincidentally the same lady that had sold it to was there, I talked to her and I explained to her that I wanted the late fee to be waived, she said she was going to help, she called the credit card and she was put on hold for a long time and then I told her that I had to go, so I gave her my cellular number and asked to call me if she get any news, when I was driving she called and said that she had taken care of the problem and the fee was waived. 
I have always maintained that I paid the principal amount and there only was one late fee, which I had the impression that it was waived, they started charging late fees on the late fee, but I wanted this account off of my Experian credit report so when I received the settlement offer I took it. Looking at my Experian report, there are discrepancies : the charge off 's that you could find up to XX/XX/XXXX have been removed it says now ND and they have only one CO on XXXX XXXX, and before my original complaint it was CO all the way instead of the ND that they have now. 
The Fair Credit Reporting says that information on a credit report has to be " timely, verifiable and accurate ''. They changed the data, what they did was they created false data saying that they hadn't reported for 18 months and only report one CO in XX/XX/XXXX so they made it inaccurate, incomplete and is no longer fair and I do not know how legal it is. 


XXXX XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I followed the instructions that Equifax provided on the complaint filed under XXXX. I sent in a copy of my drivers license and social security card. I received the same letter stating they could not find my records.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MA)

XXXX XXXX
TYPE : auto financing companies
INQUIRY DATE: XXXX XXXX XXXX XXXX XXXX XXXX XXXX
TYPE : Auto financing companies
INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TYPE : Auto financing companies
INQUIRY DATEXXXX XXXX XXXX XXXX TYPE : Auto financing companies INQUIRY DATE : XXXX XXXX XXXX XXXX
TYPE : Automobile dealers,new
INQUIRY DATE : XXXX XXXX XXXX  TYPE: Automobile dealers, used
INQUIRY DATE : XXXX XXXX XXXX
TYPE : Automobile dealers, used
INQUIRY DATE : XXXX XXXX XXXX  TYPE : Automobile dealers , used
INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX
TYPE : Credit unions
INQUIRY DATE : XXXX XXXX XXXX XXXX
TYPE : Finance companies-non specific
INQUIRY DATE : XXXX
Consumer complaint received 2023-11-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to request the immediate correction of inaccurate information on my credit report, specifically pertaining to late payments on my account. I have recently spoken with a representative from the bank, and they have acknowledged the error and agreed to update their records upon receipt of a goodwill letter which was sent last XX/XX/23. 
The bank indicated that once a XXXX letter is submitted, they will take the necessary steps to update their records and correct the inaccuracies related to late payments on my account. The representative assured me that they are committed to rectifying this error promptly. 
I kindly request that you cooperate with the bank in this matter and promptly update the information on my credit report to reflect the corrected status of my account. 
XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX  XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX  XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX  XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX  XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2020-10-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have XXXX  XXXX credit card account which reflect XXXX and XX/XX/2020 late payments on my credit reports.I had contacted XXXX  XXXX and fix the error and got a confirmation letter from XXXX  XXXX which I sent copy of the letter to all three credit bureaus twice since XXXX of XXXX, but no changes were done I am filing this complain because of negligence of credit bureaus.also attaching letter from XXXX  XXXX.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

An account from XXXX is still on my credit report and all 3 bureaus. It appears closed on XXXX and paid in XXXX and Equifax which is inaccurate. This appears as XXXX card.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I have a Public Record listed on my credit report that is inaccurate and incomplete such as a Bankruptcy that Equifax is reporting. The federal law requires that the credit reporting agencies provide mechanisms to ensure that each item on my report belongs to me and is accurate and complete. I have requested from Equifax numerous times for VALIDATION that is competent evidence bearing my signature, name, address and telephone number of each person they have contacted to VALIDATE this bankruptcy and they have failed me only to return stating that it has been verified with no substantiation whatsoever. I have received a letter from Federal Bankruptcy Courts stating that they DO NOT report information to the credit reporting agencies, but yet Equifax is saying they have verified it with Federal Bankruptcy Courts, and I know they do n't because the information they are reporting is inaccurate and incomplete.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my repfrts and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity
Consumer complaint received 2015-03-22
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL (MI)

I have tried to pay Synchrony Bank ( formerly GE Capital ) and they have no after hour support to take may payment. As a result, they continue to tack on late fees in newinterest charges. I am a senior on a fixed income. This is very troubling to me that noone is available after hours to help me.