davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
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. (CA)

In accordance with the Fair Credit Reporting Act.List of accounts below has violated my Federally Protected Consumer Rights to privacy & confidentiality under 15 USC 1681. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


15 U.S.C 1681 section 602 A. States I have 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than sever years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2023-09-23
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (SC)

I was approved for a COVID-19 loan forbearance due to loss of income because I was led to believe I would be able to obtain a modification as long as I could resume my normal payments at the end of the forbearance. This would either transfer the remaining balance to the end of my loan or divide it over several months and give me an opportunity to repay. When I regained employment I applied for modification and was denied any options other than balloon payment or short sale on the basis of my debt to income ratio. My debt to income ratio is virtually the same as what it was when I qualified for the loan originally. I have acquired no new debt and my income is minimally less in my new position than when I bought the home. 
The mortgage company is also refusing to allow me to make any loan payments until the total balance is settled.
Consumer complaint received 2023-03-15
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. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative information listed on my credit report. Specifically, I am concerned about the following accounts : Account Number : XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account Number : XXXX ( XXXX XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account Number : XXXX ( XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account Number : XXXX ( XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account Number : XXXX ( XXXX XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account XXXX : XXXXXXXX XXXX XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

I request that you investigate these accounts and correct any errors. It is important that my credit report accurately reflects my credit history. I appreciate your prompt attention to this matter. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-30
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: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting act 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 The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Consumer complaint received 2023-03-15
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. (AZ)

This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX My identity has been stolen you are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C S1028A
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I have been diligently trying to get my account corrected for the past 10 years I have been identity theft victim and experian, XXXX and XXXX has been making my life a total Nightmare my personal information is inaccurate my credit report is inaccurate I can prove who I am and have sent several messages to them have all disputes on accounts disputes on inaccuracy of the information that they have publicly no response no solution I do it every month how to dispute nothing 's being done and still keep giving me the same response I need someone to help get this Right
Consumer complaint received 2015-12-09
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Mirabella Investments Group, LLC (CA)

XXXX XXXX, XXXX a Corporate Assignment was executed and my Second Lien Mortgage was transferred to Mirabella Investments Group, LLC, and payment statements were never sent. XXXX XXXX, XXXX, I received a " Borrower Welcome Letter '' stating, " Welcome to XXXX XXXX XXXX , XXXX ( " XXXX '' ) loan servicing! XXXX is your Servicing Agent and is servicing your Mortgage Loan on behalf of our Lender/Creditor, Mirabella Investments Group, LLC ( the " Creditor '' ). XXXX XXXX, XXXX, Mirabella Investments Group, LLC transferred the servicing of my loan to XXXX XXXX XXXX , XXXX ( XXXX ). While XXXX and I were in the process of a Loan Modification, I filed for Bankruptcy to postpone the foreclosure sale, my attorney missed the hearing and my case was dismissed ; Mirabella Investments Group, LLC quickly foreclosed on my home without notifying me or XXXX. XXXX XXXX, XXXX was my last Loan Modification Package submitted with new information. XXXX XXXX, XXXX, I was told to referred to the denial letters of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I was informed by my First Lien Mortgage Loan Servicer, XXXX XXXX XXXX, XXXX 's employee of the Office of the Consumer Ombudsman that my home could not be sold to a third party unless the First Lien Mortgage is paid in full. On the contrary, my home was sold to a third party, and I continue to pay my First Lien Mortgage ( HAMP ). Mirabella sold my property for {$160000.00}, but my property is valued at {$1.00} XXXX. The First Lien is still my Debt, which I am still responsible for.
Consumer complaint received 2016-10-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: POPULAR BANK (NY)

Popular Community Bank 's mobile application lists completely surcharge free atms on a map around you. I went to a listed surcharge free atm and was charged an atm fee and a bank fee. When I called Popular Community Bank customer support they said the atm was no longer in their network. Upon further questioning I was told the atm list has n't been updated since XXXX ( 7 days ). They said they 'd only give me a credit for the bank fee and not the atm fee because their system was wrong but it makes me wonder how many other consumers got stiffed with bank fees when unknowingly using atms that had not been removed from the app. I was not able to find out how often this happens. In their 2015 annual report to investors, Popular Community Bank claimed to serve XXXX clients with access to more than XXXX atms. If Popular was incorrectly charging bank fees for XXXX out of the XXXX atms in my community, then how many other communities and clients were affected and how much money in bank fees does Popular make during the time when their atm list is " outdated ''?
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-24
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Selene Finance LP ()

Back in XXXX my home was burglarized and caught fire. We lost everything that was in the home except for the clothing that we took on an overnight trip with us out of town. We was put up in a hotel for almost 2 mths and during that time we was only given {$2500.00} from our insurance company until they finished there investigation ( which took 6mths ). During that time our funding was limited therefore we had to use some those advance funds from the insurance company to purchase clothing, appliances, personal items, Rx medications, formula, bottles, XXXX, an apartment, school books and etc. During this time Selene expected us to continue to pay on a structure that was NON-habitable. We were not able to pay on that structure, repurchase items that were lost and for new housing. So our insurance company sent a letter to Selene Finance and they accepted the settlement amount from the insurance company for {$83000.00} in which they cashed and they signed and agreed. However we were still receiving statements and the mortgage was being reported late for years after that settlement was accepted. Not only that but once we were able to get a home through a XXXX, the monies for the land value depreciation of {$31000.00} in which they would not release there name from off of it after they cashed the settlement checks about 2 yrs earlier and we ended up having to turn it over to them. Now they still reported our home as a foreclosure. We did the DIL in which they stated that the Loan has been XXXX out however they are still stating that we owe them. We do not know what we owe them additionally to this date and why? We do not understand why they took the {$31.00} check when it was not there 's after they agreed upon the settlement check. We do not know why they still reported it and caused the credit ratings to be in shambles for years. Since we were n't able to abide by the agreement upon the XXXX the home we moved in was sold because of the funds from the {$31000.00} check was no longer available. Now we are trying to move forward with purchasing a home and we have requested that they provide us with ALL documentation regarding the XXXX documents that we signed and they signed and agreed upon and they have been very rude about providing it. We have emailed them several times, we have called several times. We keep receiving the same correspondents but nothing else. Can you please assist because I am ready to move forward legally because they have stolen from me, ruined my credit for years, and now presently hindering me from purchasing a new home for my family in which I have lost earnest money because they have failed to supply me with the documentation that I needed.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2016-09-15
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

RE : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX / Bank of America Topic : Bank of America responded in a satisfactory manner. 
Complaint : The former executor, XXXX XXXX XXXX, withdrew funds via an ATM Card and checks - beginning with the date of XXXX XXXX XXXX 's death - from Bank of America Account # XXXX. 
However : Bank of America was not notified by the Civil Service Annuity regarding XXXX XXXX XXXX 's death until XXXX/XXXX/2013. The former Executor, XXXX XXXX XXXX, also did not notify Bank of America ( for her own reasons ). Additionally, Bank of America requires a copy of the death certificate - Bank of America did not receive a copy of the death certificate until XXXX XXXX, 2013. Upon receipt thereof, Bank of America did close the account. 
Result : Issue resolved. We will continue to work with Bank of America and the Civil Service Annuity Department to assure that their policies will be reviewed. Furthermore, Bank of America will file a claim on behalf of the Estate for the ATM withdrawals and checks. 
For reference, please see XXXX Thank you. 
XXXX XXXX XXXX, Administrator with Full Authority, Estate of XXXX XXXX XXXX
Consumer complaint received 2016-05-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (OH)

Stated clearly that only current dated verification materials would be accepted, as a pending FCC complaint is ongoing. Debt collector has misrepresented themselves as being in real-time contact with the original creditor. Presented nearly two year-old material as " verification, '' in direct contrast to the request made. Debt collector has also failed to provide itemized debt verification, and has artificially inflated the amount of debt for their own gain.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (OH)

Navient has yet to reply to multiple notarized letters sent via certified mail. I also have a certified list from XXXX and XXXX of over 100 calls to my home and cell phone numbers, despite the request to cease and desist in writing, and verbally on a recorded line. Each of these calls are XXXX dollar fine. I have asked them to please advise XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX of these FDCPA violations and Contract Default. I would prefer to settle out of court, but they clearly will not cease and desist, or acknowledge contract default.
Consumer complaint received 2017-02-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I 've been paying on my student loan since 2007 at 9.5 % interest to Navient ( Account # XXXX ). I called them about 2 months ago when I noticed not even half of my average $ XXXXmnth payment is going towards interest. They were aloof and never acknowledged the discrepancy. Only after understanding they were n't going to help me understand this or do anything about it, I threatened to complain. Again, they could care less. Since seeing that Navient is being sued for reasons such as this, I finally understand why they treated me the way they did.
Consumer complaint received 2016-08-15
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I join a mystery shoppers evaluation company that allowed me to go shopping and evaluate stores and banks but I have learned that the company was using another company 's name and payroll to pay us the money and when the other company learned of this stopped the checks putting me in an awkward place with the funds because I had already put the check in my bank and withdraw the money to make the transitions I were told to make. This putting me negative with my bank.. please help and get the money back for my bank so they want think bad of me, I was scam n this company needs to be put on notice. It 's service XXXX and XXXX XXXX XXXX .... 
XXXX and XXXX
Consumer complaint received 2017-02-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (MD)

I had been out of work for a while. And they would constantly call and harass me for money. even went so far as to ask me to ask someone else for money. i think the interest rates are outrageous. XXXX is at least XXXX %, also the school I owe money to has been shut down. So i do n't believe that i should repay them.
Consumer complaint received 2016-05-09
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION (FL)

I have a collections from Central Finance control aka Syndicated Office Systems. After reading about their illegal debt collections practices on your web site. In my case I never heard a word from them. The only way I discovered this claim was when I looked at my credit report. It appears to me that they violated my rights in XXXX ways. 1. They did not respond to my request within 30 days. 2. They never sent debt validation notice.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MA)

I have been repaying my student loans via Navient and XXXX XXXX XXXX ; the loan was issued by them, NAVIENT PRIVATE LOAN TRUST and XXXX. They 're both a variable interest rate that has NOT adjusted to my income or basic principals of adjustments. The payments are insanely high whilst the loan itself will not reduce as the years tick away. The school that the loan was issued for is now going under as well ( XXXX. ) I have issued both federal and private loans for this school. I finished my education at XXXX University and am understandable with the federal loans provided. My concern is the the XXXX private loans I have, XXXX from Navient and XXXX from XXXX that are impossible to sustain and pay off. I have tried to address this several times and am struggling to find a way. I was told they should 've been forgiven given the circumstance but no point of contact is available for both the school or providers.