davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

The statue of limitations for the State of Texas is 4 years, and I have not received any money from a loan in the last XXXX years and this was explained to XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX California XXXX when they called me, but they continue to call and send me letters. I am named in a Class Action Suite Against them notified by XXXX XXXX XXXX but have not had any results of the lawsuit since XXXX. They have continued to harassment telling me that they will report me deliquent to the credit agencies until I pay them the {$11000.00} that I owe them. The last letter they sent me was XX/XX/2016 saying I could pay a 70 % discount of only {$3300.00} or 12 months of {$460.00}. I think the lawsuit did not go through so I am filling a complaint against them for myself because they will not leave me alone. They have called me so many time that the phone line with XXXX XXXX XXXX did not work and I had to close the account. Please help me to get them to stop harrassing me until I die. Thank you.
Consumer complaint received 2017-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

I am a student whose loans have always been in deferment. My loans are stating that they were 90 and 120 days past due in XXXX and XXXX of 2015. This is not possible because I have always filled out forms in a timely manner to make the schools aware of my full time student status. Navient also did not make me aware of other programs I could have used such as financial hardship to defer my loans. I was never sent a bill notifying me these loans were past due. I do n't think my credit report should be affected because of this.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (WA)

I applied for an income basedrepayment plan and was approved. I also had learned about the 10 year public service loan forgiveness program, or so I thought. I contacted Navient and spoke with a customer service representative who confirmed that my IBR plan qualified for the loan forgiveness. I continued making regular payments under my IBR plan for approximately 3.5 years before switching employers. Once I had switched employers I attempted to update my IBR payment plan information and again get confirmation on my forgiveness status. I contacted customer service again and was informed that my IBR plan alone did n't qualify me for loan forgiveness and that the 3.5 years of payments were not valid because I had not applied for a consolidation loan. Needless to say I was somewhat devastated when I realized that I had in effect wasted 3.5 years of time. I have since applied and been accepted for a consolidation loan and am under the belief that my current payments are counting towards the goal of XXXX after which I am qualified for loan forgiveness, but I still lost out of over 3 years. I do n't know if this is the type of situation which would qualify for the class action lawsuit but I thought it was worth asking. I thank you in advance for any assistance you can provide.
Consumer complaint received 2016-09-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (IL)

Navient has been on my credit report for some time now and refuses to come off. I have never had a loan with them. Magically one day they appeared on my credit. They do not have any signed written or documentation to prove that I have ever opened an account with them. I want them off of my credit. This is clearly fraud and they must be in the bed with all XXXX credit bureaus. I am filing this complaint before taking them, as well as the credit bureaus, to my attorney.
Consumer complaint received 2015-03-24
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Selene Finance LP (NC)

We 've been modified for a loan at XXXX XXXX XXXX, after they approved the modification. They sold it Selene finance, and they ask me to pay XXXX trial payment which I did, they said give the another month to finalize the loan, but they have n't done anything. They keep on telling me next month, it has now been six months since they gave me the final modification.
Consumer complaint received 2017-01-22
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: POPULAR BANK (GA)

I OPENED A CD ACCOUNT WITH BANK ON INTERNET ON XX/XX/2016. I DEPOSITED MONEY WITH BANK. THIS IS A JOINT ACCOUNT WITH MY WIFE XXXX XXXX. THIS BANK HAS VERY BAD CUSTOMER SERVICE. THEY DID NOT SENT ANY LETTER REGARDING THIS NEW ACCOUNT BY MAIL. CUSTOMER SERVICE NEVER EVER GAVE PROPER & SATISFACTORY ANSWER TO ME. I AM QUITE UPSET WITH THIS BANK & WORRY ABOUT MY MONEY AT SAME TIME.
Consumer complaint received 2015-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

XXXX is reporting on my Equifax report they say I had a XXXX account I did n't pay this is not true I never have had a account with XXXX they told me it was opened under a XXXX XXXX I have never had the name XXXX XXXX I have never had a XXXX account. I am also going to contact my state attorney
Consumer complaint received 2016-12-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

I told Equifax that XXXX XXXX XXXX XXXX XXXX TN XXXX does n't belong to me. After a long battle going back and forth they finally removed it on XXXX/XXXX/2016. I just repulled my credit report and they have it back on there. I told them it is not my address, I want it removed from my credit report. I am attaching the letter they sent me removing it.
Consumer complaint received 2016-04-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (GA)

I made a request for XXXX to remove the credit inquiry from my equifax credit report and XXXX agreed to send a request to equifax to suppress the inquiry so that it will not appear on my credit report or be used in the calculation of my credit score, however equifax has not removed the inquiry from my credit report.
Consumer complaint received 2024-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am a victim of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''
Consumer complaint received 2016-10-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (MI)

There is an address on my Equifax credit report that is incorrect. I have never lived in that city in my entire life. I know the street name is XXXX and the city is in XXXX, Michigan. This is the address I 'd like removed. Please investigate and let me know what I can do to get this address removed. It 's not on my XXXX report. Not sure if it 's on my XXXX report. I appreciate your help. Thank you.
Consumer complaint received 2015-10-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (NY)

My mother passed away on XXXX/XXXX/11 and resided in her home in XXXX NC. I have been paying the mortgage through Seterus Inc and petitioning the bank to transfer the loan in my name as the legal heir. The bank wants me to have a court document for this financial transaction. I have retained XXXX different attorneys who states that NC law allows realty to be transfer to heirs without legal proceedings and now the statue of limitations has expired for any required court documents.. I also sent Seterus Inc. a special warranty deed demonstrating my financial relationship to the property and home obtained from the attorney. I am financially able to retain the home and would like assistance with a loan modification for assuming the loan..
Consumer complaint received 2015-04-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (MA)

I tried to login and get my free credit report and got the run around. 
Experian Denied me access. Said I already recieved one which is wrong. See attached file. 
Equifax stated " online delivery is unavailable '' which is a lie other wise why would the second window say " return to your report ''. Razzel dazzle. See XXXX attached screen captures. 
XXXX said " Credit report Unavailable '' for some reason. 
Tried to obtain reports on XXXX separate days so bogus excuses. 
Everything points to them trying to boost earning on my back. 
I obtained a report in 2012 but not now. 
All XXXX reporting agencies did not give me a report online. I have gotten one in 2012 but now they have made the system not give you a report and want me to pay them money. 
I am very unhappy with them and believe they should be shut down.
Consumer complaint received 2016-09-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (OH)

The Public Record Information that the credit reporting agencies is reporting is inaccurate in its filing. The bankruptcy is dismissed by the Federal Court, a government agency. It is by the Federal Government that the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization and I have a right to know who " verified ''. The agencies are holding my identity and credit under " Consumer Lock '' for 10 years, I want to know by what law? The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2015-08-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (OK)

My wife XXXX XXXX XXXX sold, closed and funded a home which we previously owned at XXXX XXXX XXXX, XXXX, Texas XXXX. The home had been financed by Seterus Mortgage, loan number XXXX, and the loan was paid in full on that date and all proceeds paid over to us over and above the sale price to the new owners. From XXXX XXXX, XXXX to today 's date, XXXX XXXX, XXXX, Seterus has not removed the item from our credit report, showing paid in full.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-09-29
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. (UT)

The attached do not answer any questions nor resolve any problems! What the hell are these for???? CFPB already has a mechanism in place to ID complainants. You send lies to the CFPB to make them believe you did your job when you don't. Then you send me the XXXX that's attached here??? Really???? Not going to work!!!
Consumer complaint received 2023-07-14
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. (IL)

I have taken the liberty of providing you with the necessary documents to substantiate my claim. Please take immediate action to rectify this situation and ensure that the account is promptly removed from my credit report. Thank you for your attention to this matter.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MI)

I have a loan through Navient. Many times they have been unwilling to work with me in regards to assisting with lowering my payments. A couple of years ago, I attempted to file for the XXXX loan forgiveness ( I am a XXXX working for a XXXX ), however they were unwilling to work with me to help start that process. I am now stuck in a graduated loan repayment, as their standard 10 year repayment costs are too much for me, as I am a single parent, and have to pay for the other aspects of life for XXXX under XXXX income. They also state I make too much money ( according to whom?? ) to assist with any other loan payment options, as they were actually more than {$500.00} a month. I just ca n't believe the costs of their loan repayments. I contacted them today about it, and they stated that their loans are through the government, and can only offer what the government tells them to. I 'm not sure if that 's their standard response now due to their impending lawsuits. I feel strongly that I have been overpaying this company.
Consumer complaint received 2016-11-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

I disputed a couple of accounts that showed as delinquent on my credit report since I could n't find any record of those accounts in my files. I asked them to provide physical proof of verification of the account or remove them from my credit report. Their response was that the account had been verified but did not provide either the name of the employee who verified the account or physical proof of the verification of the account. Do n't they have to verify the accuracy of the data reported not just report whatever is sent to them?
Consumer complaint received 2015-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (PA)

Equifax has discriminated against me by listing items on my credit report that occurred because I was emitted in a VA Hospital as a XXXX veteran. These items which do not belong on my credit report have prevented me from receive credit by many companies and have cost me because I receive higher interest rates on credit and loans. I suffer XXXX due to exposure to an XXXX in XXXX while on XXXX and there are items on my credit report that are do to this injury and XXXX. I have attempted to clean my credit report with this firm to no avail.
Consumer complaint received 2017-03-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MD)

I am filing a complaint with your agency because Equifax 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. Now that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act, they are required to " ... promptly delete all information which can not be verified, '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2016-12-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

XX/XX/2016 I sent an investigation request regarding XXXX tax liens that were filed in error reporting on Equifax XXXX credit report for me, and Equifax alone. I submitted XXXX letters from the XXXX Attorney General XXXX of XXXX that state that the tax lien was in fact, filed in error by their office, it was null and void, and request for Equifax to remove it. Equifax ignore the letters and sent back " XXXX '' for both. I called Equifax, spoke with a supervisor who attempted to an investigation while on the phone but said he felt the letterhead was fake. He never called the office to verify or went online to the Ohio XXXX docket to verify. I have supporting documents, called the XXXX office who supports me, submitted a dispute with XXXX because the XXXX XXXX said XXXX gave Equifax the false information. Equifax still wo n't budge. This hurts me tremendously. I am a XXXX XXXX XXXX of XXXX firms and these blemishes are thwarting my current expansion efforts. I have included the XXXX letter stating it was null and void, the XXXX XXXX Docket showing that they are reporting the wrong amount, and the follow up letter for the Ohio IRS stating the same and the Equifax response to my request that include the wrong address for the XXXX, further proof that no investigation was conducted. I never received another response from Equifax from my phone call dispute with the supervisor.
Consumer complaint received 2016-02-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

Equifax has never in 6 and half years identified to me who verifies the information that XXXX XXXX is reporting. The statement from Equifax is the information has been verified and it is belongs to you. Who is verifying this? Surely it is not XXXX XXXX, I have court documents proving this account is no longer valid. Additionally, Equifax states no additional information has been received and closes the dispute. This is unbelievable, I know it is disgusting and deplorable but is n't this a failure by the Consumer Finance Protection Agency to stop this type problem for consumers?
Consumer complaint received 2016-02-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MO)

As of XXXX XXXX Seterus, Inc. purchased my mortgage from XXXX. I have never missed a payment or even been late making a payment. XXXX, XXXX I received a statement from Seterus stating that a payment was not due in XXXX, XXXX. I called them and ask if they were sure this was correct. They assured me I would not get into trouble I could skip the month of XXXX. Great news I could buy XXXX for my entire family and pay my taxes. Last SaturdayXXXX XXXX, XXXX I receive a letter stating I am in default and owe {$610.00}. I called the company XXXX. This girl and I went round and round. She said I had n't made a payment for XXXX. Isaid I am looking at the statement-it cleared XXXX XXXX and that I had mailed a payment for XXXX on XXXX XXXX. They had not received it at that time. The girl said wait just a minute which turned into 30 minutes. She came back on the line and said that Seterus had applied someone else 's payment to my account in XXXX and so told me I did not have to pay, but they found the mistake and now I must pay it and she was going to let me speak to her supervisor because it was n't my fault. So XXXX XXXX, supervisor, got on the line. I was so angry. I understand mistakes happen, but I am XXXX years old, retired on Social Security and XXXX small pensions and have no extra money. I told XXXX XXXX this and he agreed that I could pay {$50.00} extra a month until it is caught up ( more when I do n't have to pay gas bill ). He said if anyone gave me trouble to talk to him. So yesterday I receive two statements from Seterus one due XXXX XXXX for {$1200.00} and one due XXXX XXXX for {$1800.00}, so they are tacking on penalties and interest. Can they do this to me? They have 3 locations Physical address in XXXX, OR, payment address in XXXX XXXX, and correspondence in XXXX, CT. Thank you for any assistance you can give. My name is XXXX XXXX and the loan number is XXXX.