davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (FL)

I was contacted by State bridge Mortgage, the servicer on my loan after the Hurricane in XX/XX/XXXX and after my neighborhood was declared a federal disaster area. They offered me a reduced payment option for 6 months and then went on to say that the difference of my regular mortgage payment would be capitalized adding it to the back of my loan. I accepted the option, paid the agreed amount and have since resumed making the regular payments as of XX/XX/XXXX. 

State bridge has sent me demand letters for the difference that they claimed would've been capitalized, they are reporting my mortgage as delinquent since XX/XX/XXXX and the regularly scheduled payments that I have resumed making since XX/XX/XXXX are being placed in suspense. Not only has this had an adverse effect on my credit but its also affecting my employment because my employer actively monitors my credit so this is becoming a huge problem. Furthermore, back in XXXX when the storm hit XXXX Florida I had already made the scheduled payment for the month of XXXX " prior '' to State bridge contacting me with the offer, they claimed that they never received it. In addition, I am really starting to question the competency of this servicer because not only are they reporting my payments incorrectly they also allowed my homeowners policy to lapse. And as luck would have it this was during an electrical fire/appliance damage caused by XXXX 's faulty wiring that started outside of the home. I would like to file a formal complaint against them because I have to get this under control. If I was having difficulty making the payment I can understand, if I didn't make the payments we wouldn't be having this conversation, but neither applies. I have also hired an attorney to pursue the matter at the credit repository level as well because again it is affecting my employment.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX Reported incorrect Information on my credit reports and I called these three major credit Bureaus to clear all their derogatory reports, but they have not complied since 2002 till present. 
XXXX, XXXX XXXX, AND EQUIFAX made my life miserable. 
I can not refinance my house loan. 
I can not cash out since 2002 till present. 
As a XXXX XXXX  I can not do " A '' loans for my clients because of the damage they have done to my credit. Their damages to my credit suggests that I have bad credit, which makes me ineligible to help clients who have good credit. They have defamed my character with false reports. 
Credit card companies will not approve me. 
Banks will not approve me to obtain loans. 
I have to purchase Bond to enable me to do b and c loans.
Consumer complaint received 2018-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (GA)

OnXX/XX/XXXX I purchased a XXXX XXXX XXXX  headset with Bluetooth advertised on XXXX, paying {$930.00} for the item using my Citibank Visa card. When the item arrived, it did not have the advertised Bluetooth option, whereby it would have cost approximately {$350.00} to upgrade it ( although the XXXX with Bluetooth is only about {$100.00} more expensive when purchased originally with Bluetooth ). I returned the item to the Seller ( who initially refused a return ), and I initiated a dispute with Citibank. Citbank initially gave me a " provisional '' credit while " investigating '' the matter. However, on XX/XX/XXXX I received a letter dated XX/XX/XXXX ( copy, together with other documentation, attached ) in which Citibank determined that they would reverse that credit. In " support '' of their decision, Citibank included the " merchant 's response '', which was actually a Citibank Merchant Chargeback Response Form, printed by Citibank, in a point size that is so minuscule that I had a difficult time reading it with a magnifying glass ( Notably, despite my age I have perfect vision, without any requirement that I wear corrective licenses on either my driver 's or pilot 's licenses ). Copies of my correspondence, including confirmation of the return of the item to the Seller, the Citibank letter, and other documentation are attached.
Consumer complaint received 2018-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My request is : Please remove the new PRIOR SERVICER fee being placed upon my home mortgage account. 
This is regarding a fee of {$1200.00}. This new PRIOR SERVICER fee is a surprise to me. I was never made aware of it, nor was I sent a demand to pay it until my account was transferred to a different loan servicer ; which is : XXXX XXXX On XX/XX/XXXX, a mysterious extra PRIOR SERVICER fee was added to my monthly house payment. The explanation was given in the form of a list as follows : AND, I am copying exactly as it is presented to me. Transaction date : XX/XX/XXXX PUBLICATION NOTICE, amt. {$920.00} ; and Transaction date : XX/XX/XXXX, PUBLICATION NOTICE, amt. {$21.00} ; and Transaction date : XX/XX/XXXX PUBLICATION NOTICE, amt. {$230.00} ; and Transaction date : XX/XX/XXXX, LEGAL CERTMAIL, amt. {$25.00} ; and Transaction date : XX/XX/XXXX LEGALPOSTINGCOST, amt. {$16.00}. There is no better explanation of what it means. So I called the new loan servicing company : XXXX XXXX XXXX XXXX and I was informed the fees are for a loan default ( which I paid off in XX/XX/XXXX ), from the previous loan servicing company XXXX XXXX. Please check into this and stop this undeserved penalty fee. The dates of the mysterious PRIOR SERVICER fee dont match with any of the dates during the reinstatement of the loan from the default dates. So Im concerned that this is a double charge placed after Ive paid all the late charges and penalties from the previous foreclosure back in XX/XX/XXXX. Please help.
Consumer complaint received 2018-03-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

I had a private loan through XXXX now Navient has taken over the loan. Navient makes no attempt to work with to lower the interest rate. I co- sign for the loan in 2009. Myself and my husband are both XXXX now and looking for some cooperation from Navient. 
Finally was a XXXX allowed to sell off there loan to Navient?
Consumer complaint received 2018-03-28
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . XXXX XXXX XXXX XXXX XXXX Reported incorrect Information on my credit reports and I called these three major credit Bureaus to clear all their derogatory reports, but they have not complied since 2002 till present.

XXXX, TRANS UNION, AND XXXX   made my life miserable.

I can not refinance my house loan.

I can not cash out since 2002 till present.

As a XXXX XXXX I can not do " A '' loans for my clients because of the damage they have done to my credit. Their damages to my credit suggests that I have bad credit, which makes me ineligible to help clients who have good credit. They have defamed my character with false reports.

Credit card companies will not approve me.

Banks will not approve me to obtain loans.

I have to purchase Bond to enable me to do b and c loans.
Consumer complaint received 2018-03-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: JPMORGAN CHASE & CO. (AZ)

In XX/XX/XXXX, I received 4 XXXX Cancellation of Debt form from Chase regarding my private student loans. The forms were 4 loans that totalled {$21000.00} ( 3 x {$5000.00}, and 1 {$6000.00} ). I originally called them onXX/XX/XXXX to get help regarding the issue because the loans that they cancelled are active. They have been serviced up to this day by XXXX and I have been making regular payments on them. The original call resulted in being told to send in a fax with documentation to dispute the action by Chase. I since then faxed the information 3 time ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ) Each fax has requested that I be called to confirm receipt, and to get an update. I have also called numerous occasions to their XXXX number. I've asked to speak to a manager about the situation at least 5 times. They have a record of my calls because they refer to it each time I have called. The one time a manager called me ( XXXX ), she said that they did not get any faxes and that I had to be mistaken that my loans were not active. Each time I have recently called, I get transferred to a manager 's voicemail, leave a message requesting a call, and not getting any response back whatsoever. I am now liable for {$21000.00} in income that I have to include in my taxes because Chase doesn't keep accurate records of their loans and tries to get people to pay on loans they don't even own. I feel like I am getting the severe runaround now. My servicer XXXX has been nothing but wonderful, they gave me information about my loans that I used to file my dispute. They also verified that the loans that they have did in fact belong to Chase at one point, but they no longer own the loans. They said they were confused as to why Chase would do such a thing. I now need sever help to get my records straight. Nobody at Chase really helps especially since it's their fault and mistake.
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Child Support is being reported on my credit report like it is a loan. I did not receive any money from XXXX XXXX XXXX so why is it being reported as a loan. There are already state services that can be revoked by not paying child support. That is there jurisdiction. Credit is not.
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Debt Recovery Solutions, LLC (OR)

This is fraud but I still paid them in order to get it off my credit report! This needs to say " removed due to error '' or something instead of " paid in full '' this debt is not ligitemate PLUS it's been paid! See attached proof!
Consumer complaint received 2018-03-28
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. (WA)

There are 3 collections attached to my credit report for medical and I have tried to get them off for years sometimes they will come off for a month or so and then they re appear when talking to the collections company they can not provide any information at all about what it is and why they say they are old and they dont have access to the information.
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

Under the new Law effective XX/XX/2017 any public record data must include the Name, Address, SSN and DOB to legally appear on the credit file. The Credit Bureau has failed to update my credit report in accordance to the law. My credit report does not contain the information required by law to be reported as such, I am requesting the immediate removal of all and any records including the fictitious reporting of the bankruptcy. The US courts further confirmed this debt was never validated.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Since XX/XX/XXXX, I have been contacting Experian to request that it block adverse accounts resulting from XXXX XXXX pursuant to 15 U.S.C. 1681c-3 ( b ) and 12 C.F.R. 1022.142 ( e ) ( 1 ). Every credit and specialty reporting agency has blocked the negative accounts except for Experian, who has created overbroad criteria to deny me. I have included evidence with this letter, which shows other agencies promptly blocking the adverse accounts upon submission. I should note that these agencies possess identical documentation to Experian. This further proves my claim of Experian discriminatory and unjust actions towards me and my unfortunate situation. 

The Supervisory Highlights that your office published in XX/XX/XXXX indicated that certain CRCs are still violating Regulation Vs human trafficking requirements, effective as of XX/XX/XXXX, by failing to block information identified by the consumer within four business days. In response to these findings, your office has put CRCs on notice to revise their compliance processes to ensure that they process all human trafficking block requests in accordance with the requirements of Regulation V. It appears that this was not the case, as I, along with many others, continue to be trapped in negative credit reporting.

The validity of my trafficking documentation is still being questioned by Experian. When the representative from the agency refuses to provide confidential information regarding my case and health information, Experian use this as an excuse to decline my request. Experian should not be making calls to further expose my situation to any individual who answers the phone when they have no authority to do so. Experian discriminatory and willful actions to violate the law have jeopardized my life, as I am unable to secure a new residence and capitalize on other credit opportunities to reconstruct my life. 

Despite my exhaustive efforts to date, Experian has nonetheless deliberately, willfully and negligently failed to block accounts relating to Human Trafficking as required by the FCRA. I am kindly requesting the assistance of CFPB ( Office of Enforcement ) in order to hold Experian accountable for their actions should anything happen to me, as they have prevented me from being able to move and have placed me in a position of significant danger. 

In order for Experian to process my block request, I have submitted all of the required documents for the CFPB to review. Experian is not authorized or justified to deny my request in accordance with the law.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should now be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2018-03-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Since XX/XX/XXXX, I have not received any of my paper billing statement for my Bank of America Home Equity Line of Credit ( HELOC ) account. Each month since XX/XX/XXXX, I have sent Bank of America letters requesting that they send me a paper statement so that I may know what amount to pay ( minimum due ) and by what day I must pay ( due date ). Bank of America has failed to send me paper statements for the month of XX/XX/XXXXto XX/XX/XXXX, for all the months of XX/XX/XXXX, and for XX/XX/XXXX through XX/XX/XXXX. I recently pulled my credit report and all 3 major credit bureaus show that Bank of America is reporting my account past due for all months since XX/XX/XXXX. On XX/XX/XXXXI contacted Bank of America by phone and Bank of America acknowledged that because of an error in their system, I have not been sent any of my statements since XX/XX/XXXXand that they will be sending out a paper statement in the mail within the next few days. I was also informed that I have a past due balance of approximately {$14000.00} dollars that I must pay. Per Bank of America, my minimum payment due changed on or aboutXX/XX/XXXX. If I would have been given my paper statements, I would have made the correct amount due. I want to dispute the past due balance as several billing errors occurred because I did not receive any billing statements since XX/XX/XXXX. Every month since XX/XX/XXXX, I sent Bank of America a written notice stating that I have not received the statement for the month I mailed out each notice.

-- -- -- -- -- -- -XX/XX/XXXX UPDATE -- -- -- -- -- -- -- -- -- -- -- BANK OF AMERICA FAILED TO RESPOND TO CFPB CASE # XXXX AND # XXXX BANK OF AMERICA HAS FAILED TO INVESTIGATE MY DISPUTE AND FAILED TO CONTACT WITH A RESOLUTION. BANK OF AMERICA STATED THAT THEIR REASON TO NOT RESPOND TO THE CASE WAS BECAUSE OF A SUPPOSED UNAUTHORIZED THIRD PARTY. BANK OF AMERICA USED THIS EXCUSE TO BUY MORE TIME. BANK OF AMERICA DOES NOT HAVE PROOF THAT THEY SENT ME BILLING STATEMENTS. BANK OF AMERICA NEEDS TO CONDUCT A REINVESTIGATION AND PROVIDE ME WITH DESCRIPTION OF THE PROCEDURES USED IN THE REINVESTIGATION WITHIN 15 BUSINESS DAYS OF COMPLETION OF THE REINVESTIGATION. INCLUDED WITH THIS CASE ARE THE SAME DOCUMENTS THAT WERE INCLUDED IN BOTH CASES MENTIONED ABOVE. IN ADDITION TO THIS, I HAVE INCLUDED A COPY OF A LETTER I MAILED OUT TO BANK OF AMERICA ON XX/XX/XXXXAS BANK OF AMERICA HAS FAILED TO RETURN MY CALLS REGARDING THIS MATTER.
Consumer complaint received 2018-03-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC (CA)

I received a phone call from XXXX at XXXX pacific time, they asked for a person with my same last name but had my first name pernounced incorrectly so I told them they had the wrong number. I called the number back out of curiosity and it states XXXX XXXX XXXX Knowing I had registered my number with the US government to do not call I have no idea why this number would of called me. I blocked that number and I want it to stop whoever it is plain and simple.
Consumer complaint received 2018-03-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

I sent a letter to experian who obviously wants to never correct things. I had questioned their past procedures in how they process disputes.Having my doubts that information was not only investigated but information on accounts actually existed so I wrote letters and sent to each creditor asking to send me documents supporting accounts. The creditors were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I needed for legal purposes and if they did not have documentation for the accounts to let me know or if they didnt send I would understand that as they no longer have information. 
Well if they no longer have information how can experian have done investigations proper ones. They cant. I am including the letters sent to creditors along with their responses also the request I sent to experian. 
The responses I received after specifically asking for account documentation were these XXXX   XXXX -- -- no longer handles account XXXX XXXX XXXX XXXX and XXXX XXXX XXXX -- -- the account was sold please contact purchaser XXXX and XXXX please contact us at this number we know your credit is important This to me tells me as no documents supporting account were sent and contact was made asking and calls made but no documentation because the creditor no longer has so how was an investigation ever done if the dont have documentation all other creditor sent packets with documentation. but not these. 

Now my response from experian was this I need to supply relevant information or they wont investigate. I couldnt have supplied anymore relevant than the letter I sent to creditors and their responses. They dont have and didnt send documentation for the accounts instead it was call and contact whom they sold account to. 

If there is no information what relevant information do they want. It was specifically stated documentation was needed for legal purposes. 

Experian always refuses to do anything but send a form letter to you as it saves time and money the 30 seconds they have to process each complaint. XXXX no they dont want to remove an item that they can verify because it would take to long. 

All of these Items should have been removed as there is NO documentation supporting these accounts. End of story. If experian refuses to re investigate or remove then we have a violation of FCRA. I have provided more than enough information to show these items need to be removed. Some are old but all are closed. 

Im asking experian now either remove or supply all documentation that gives them the right to report on my credit file. No ifs ands and buts. If creditor doesnt have experian better have in order to be reporting.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Identify item ( s ) resulting from the identity theft that should be blocked and removed with no reinsertion, or I will file a lawsuit against the creditor, XXXX, Equifax and XXXX XXXX XXXX  XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.