davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KS)

As of today   XXXX   XXXX   XXXX  ,  XXXX  shows an open account with  XXXX   XXXX  with an outstanding balance of {$810.00}. They show this account was initially reported as of   XXXX   XXXX   XXXX       I have received no bills, and have no idea what this is for. I have confirmed with the  XXXX   XXXX   XXXX  at  XXXX  that I owe no balance to them. That all charges that would appear as  XXXX   XXXX  have been paid and no balance outstanding since  XXXX .
Consumer complaint received 2017-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The  XXXX   XXXX  is reporting several incorrect items on my  XXXX , Transunion and  XXXX  credit reports. First,  XXXX   XXXX  is reporting that there was payment activity in   XX/XX/XXXX  (   XXXX   ), w hich the last payment made was i n XX/XX/XXXX . Second, it is re porting that there is a monthly payment of {$2100.00} which the monthly payment is {$0.00}. The  XXXX  I have contacted  XXXX   XXXX  several times about identity theft and provided copies of police reports and fraud affidavits but in response instead of removing these fraud accounts -  XXXX   XXXX  reports these accounts as " new derogatory '' accounts which artificially lowers my  credit score.   <P/> The  XXXX   XXXX  is reporting this false information to illegally extend the 7 year reporting period, and is trying to keep these on my credit report an additiona l two yea rs which it legally can not do.
Consumer complaint received 2017-05-28
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. (FL)

I have a bankruptcy on my credit file. I wrote  the BK  court to ask them what the process is when reporting the court cases and their response was that they do n't report to the agencies. I contaced  XXXX   XXXX ,    XXXX   XXXX    & Experian they just said it was verified with  XXXX   XXXX . I wrote  XXXX   XXXX  and they just sent me my file. I did n't know they could verify with another bureau. This has been a never ending cycle I have proof and they still wo n't delete it.     The problem is, none of that information is accurate. The recorder of deeds, the magistrate, or the court itself did not furnish any of this information to the credit bureaus.  XXXX   XXXX , which is a for profit company that is in the information-selling business. They regularly collect public records information into their database, and then they sell it to the credit bureaus. it is a violation of the Fair Credit Reporting Act to report false information. Also claiming to get information f rom a court, when it is actually obtained from an unnamed 3rd party, could easily be considered false inform ation on my credit report.
Consumer complaint received 2017-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a bankruptcy on my credit file. I w rote the BK co urt to ask them what the process is when reporting the court cases and their response was that they do n't report to the agencies. I contaced  XXXX   XXXX , Transunion,   XXXX   XXXX   XXXX   they just said it was verified with  XXXX   XXXX . I wrote  XXXX   XXXX  and they just sent me my file. I did n't know they could verify with another bureau. This has been a never ending cycle I have proof and they still wo n't delete it.     The problem is, none of that information is accurate. The recorder of deeds, the magistrate, or the court itself did not furnish any of this information to the credit bureaus.  XXXX   XXXX , which is a for profit company that is in the information-selling business. They regularly collect public records information into their database, and then they sell it to the credit bureaus. it is a violation of the Fair Credit Reporting Act to report false information. Also claiming to get information from a court, when it is actually obtained from an unna med 3rd party, could e asily be considered false information on my credit report.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

On  XXXX  we tried to get a modification of our mortgage loan but we did not get it ; therefore, we decided to ask for a Short Sale approval. We got the approval from CHASE ( they had purchased the original lender ) on  XXXX   XXXX , and the whole short sale process was finished by  XXXX   XXXX .     Almost 3 months later, on  XXXX   XXXX , we received a letter from  Chase announcing again we did not qualified for modification and asking to take one of the options they explained to avoid foreclosure. Obviously, we did not pay attention since we supposed that eventually someone in CHASE would realize of their mistake.  Unfortunately for us, it seems it was not the case, and a negative entry in our  XXXX  and  XXXX  reports says " Account paid after foreclosure started ''.     I have filed this dispute to  XXXX  three times. The first time on  XXXX   XXXX   XXXX , the only thing we got was a  XXXX  points reduction in my score. Second time, on  XXXX ,   XXXX   did nothing. On  XXXX   XXXX  this year, we filed again a new dispute and sent proofs : Approval from  CHASE (   XXXX   XXXX   ) , HUD Deed  (   XXXX   XXXX  ), Mortgage Release (  XXXX   XXXX   )  and the inconsistent letter announcing a future Foreclosure dated  XXXX   XXXX   XXXX . At the same time I faxed all these documents to CHASE.     Today I got an alert from   XXXX   and the false statement is still there. I called   XXXX    and despite the fact of being their customer for many years, and even being totally aware of this false statement because the letter announcing foreclosure was produced and sent  THREE M ONTHS AFTER we had settled, they said they can do nothing.
Consumer complaint received 2017-05-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (DE)

When my loans were sold from  XXXX   XXXX   to Navient, I was  on a 10 year repayment plan.  Navient reset   me on a 20 year repayment plan. When I called to reset it to 10 years, they told me this was not an option for my loan. I will be paying a lot more interest in those  10 extra years.  I did not want to repay over 20 years. They made it difficult to understand why this was the case.
Consumer complaint received 2017-05-28
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. (NC)

XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,  NC,  XXXX  SSN : -- -- --  XXXX  Regarding : My  XXXX  file :  XXXX  According to Fair Credit Reporting Act, Sectio n 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts below. Your   failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove all accounts listed below and thank you.  <P/> I am asking for the following accounts to be verified or removed immediately.     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   .
Consumer complaint received 2017-05-24
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION (MI)

On  XX/XX/XXXX  I received a phone call from (  XXXX  )  XXXX  which I believe to be a spoofed number. The person on the phone claimed to be an attorney named  XXXX   XXXX . She stated that I had an unpaid loan from check  n  go from  XXXX  and that a warrant was being issued today for  XXXX  counts of check fraud. I had  2 h ours to wire some money ( 4 times the amount of the original debt ) and then they would tell the district attorney to cancel the charges. I questioned them on their story and she got agitated and hung u p. 20 mi nutes later I get a call from the actual number of  XXXX   County Sheriff De partment with someone saying that they just got a fax from  XXXX   XXXX  and they were going to issue a warrant for me because I hung up on the law office, but I still had an hour and a half to pay  XXXX   XXXX  and they would cancel the warrant. I told the individual posing as a Sheriff deputy on the phone that I would not be paying anyone, because last time I checked you could n't pay to make warrants go away, she hung up on me. Then I called the supposed law office back and questioned this  XXXX   XXXX  about the amount, asked her which law firm she was with, where they are located. She would n't answer any of these questions and hung up on me again.
Consumer complaint received 2023-02-01
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-05-24
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: GEORGE MASON MORTGAGE, LLC (VA)

First, this complaint does not fall into any of the categories you gave me to select from. This complaint has to do with my rights, or the lack thereof, in connection with selling my home located at  XXXX   XXXX   XXXX ,  XXXX , VA  XXXX . As a seller, I 've been told that I have NO rights to be advised as to why the closing for the sale of my home has been delayed REPEATEDLY. How can regulations put in place by  a Consumer Protection Bureau pr ovide rights to a buyer and not the seller? My home went on the market  X/X/17    and an offer was submitted to me on  X/XX/17    with a pre-approval letter from George Mason Mortgage. I accepted the offer the same day (  X/XX/17    ) based on the fact that the buyers had been already pre-approved. The pre-approval letter quoted a closing date of " on or before  X/X/17    ''. Late in the afternoon of  X/X/17   , I called my attorney 's office to find out if all was good and was told that the closing had been moved to  X/XX/17    with no explanation. On  X/XX/17   , I found out that the closing had been moved to  X/XX/17    with no explanation. On  X/XX/17   , I found out that the closing had been moved to  X/XX/17    with a comment made by the buyers real estate agent that " the employer had been slow verifying the purchaser 's income but they now had the verification ''. On  X/XX/17   , I found out that the closing had been moved to  X/XX/17    with no explanation. Now I find out that the closing MAY take place on  X/XX/17    but no one is even sure about that. This could go on forever. What are my rights and what recourse do I have? My attorney tells me that I only have recourse if the reason for delaying the closing is unreasonable - however, because the CFPB has said I have no rights to know why the delay has occurred, then how will I ever know if the reason was unreasonable? This agency needs to protect my rights as well. Please let me know what my rights are and what else I can do.
Consumer complaint received 2017-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Equifax is reporting a collection on my credit report in the amount of  XXXX  dollars with  XXXX   XXXX . This dropped my score over  XXXX  points. It is making impossible for me to get new credit. Its unfair that Equifax is singling me out and not abiding by the New York Attorney General settlement. I was never notified of this collection. A  XXXX  dollar balance? Why would i not pay that. I refuse to pay a collection company money i do not owe. When i talk to my medical provider i do n't owe them a dime.  <P/>   Medical colle ctions  are notoriously inaccurate.  Information  is bought and sold numerous times. I 've also never been contacted by this company. How can you report something on my credit report that is not mine?  <P/> Finally, Equifax should be more consumer friendly. More understanding to how their false reporting affects consumers.  XXXX  dollars? Why would n't you just remove this instead of having to deal with a complaint or better yet a lawsuit where they will be paying me thousands of dollars.  <P/> Equifax should be investigated for their inaccurate reporting.
Consumer complaint received 2017-05-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company (SC)

I am upset and disappointed at how Guild mortgage has handled my loan, and my request for payment assistance. I have a foreclosure sale date for  XXXX   XXXX ,  2017, I  fell behind due to unseen circumstances, and I could not pay my mortgage payment. I told a representative from Guild mortgage that due to loss of income, I needed a more affordable mortgage payment. After fighting for my rights as a homeowner with Guild representatives, I was finally offered a modification. The modification offered to me brought my mortgage payment higher and I was informed it was an FHA or HUD disaster relief modification program. My home has not suffered any damages, and there has not been any disasters around my area why was I approved for this modification? I have read the guidelines for this program, and due to a disaster they bring the mortgage payments down. It does not make sense to bring my payment higher and make this offer. My home needs repairs but there is no serious damage due to a disaster. I can send proof that my home has not suffered any damages. I made no payments on this offer due to the higher payment. I called last week on  XXXX   XXXX  asking how much time they needed in order for me to submit a complete modification packet before an auction sale date. I was told that they would not review any packets due to FHA offering me a modificattion already. That I had to w ait two years  in order for me to reapply. This is absurd!! I have never been through so much stress with a company. All of this has made me thing that Guild mortgage engaged in fraudulent and deceptive practices. I dont want to lose my home, Guild made an offer without reviewing my income and expenses, they just made the offer with a higher payment. I keep falling further behind, and all I am asking is for a fair review of my financials and for Guild to postpone my sale date while I submit documents. I am asking  for FHA/ HUD to give m e an opportunity to submit a complete packet. Its impossible for me to wait two years, my home is about to sell.
Consumer complaint received 2024-08-21
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 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/, I sent a dispute letter to Transunion challenging accounts that seem to be inaccurate. Within the letter, I stated that I would be submitting a CFPB complaint due to consumer law violations. There is incorrect personal information, inquiries, and accounts that have yet to be verified or explained. Please see the attached letter which is dated, and time stamped and complete an investigation to remove the inaccurate information you are reporting. At this time, I am only asking for the deletion, but I am aware that I can take this to small claims court due to FCRA violations.
Consumer complaint received 2017-05-25
Product: Credit card or prepaid card — Store credit 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. (TX)

I believed I made my last payment on the  card, but was not sure. After doing some investigating I requested proof of purchases and invoices. Macy 's charged my card for something I did not purchase. I thought it was maybe clothing or something smaller, i.e. less th an {$25.00}. However, the purchase was nearly {$300.00}. I have disputed this for near ly three years a nd nothing has become of my complaints to them. I am now in collections to  XXXX   XXXX   XXXX  and all they will do is attempt to collect payments. I do not owe this and have exhausted every resource and course of action.
Consumer complaint received 2017-05-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NV)

repayment plan options were not presented properly. I switched and was told that I could not get credit towards the years I was paying for the 25 or 20 year repayment plan with caps. I 'm  XXXX . I have paying a very long time. In the last 10 years I was directed to switch Income repayment plans and also not get credit for the payoff caps on the previous plan. Lately I received another notice that I have to file an update. after login to do so Im told I have to reapply for the repayment plan, not on the good one any more. To reapply Navient sent me to the us loan website where my mailing address was two houses ago. Says I am a week late filing the repayment option for income. So I have lost all of the time my payment plan was ticking away at the 20 or 25 year cap. Still confused about what I was on before and why this is not easier. I am still confused as to how to fill out paperwork because it asks me to pick another plan, without telling me what I was on last time, even though all the other fields are pre-filled. I have already been verbally told that if I switch I will lose credit towards the 20 year program I figured out I needed to be on last time. Last time it took me many many many many tries to get on the plan was on and had to get special permission to process last time. I have never been late. I still need to call them back and sort this out after the holiday weekend. Spent hours on this task and it is not solved. I have a   XXXX   XXXX   in   XXXX   XXXX  in  XXXX   and all of my   XXXX   XXXX   XXXX  . I have the unfortunate position of being the mother of a  XXXX  child and     XXXX  b y a red light runner so I have all the time in the world to call with my blue tooth headset and my phone plugged min, wait for hours. Others work and I 'm sure would not be able to find the time to finish the annual re certification or go to this website to research it online and find the time to type in all the answers above without going crazy after being on hold, customer service loops with other companies all day trying to take care of simple details. Go to a website ... nope go to a website on a computer..nope not a tablet ... not that browser ... this browser. dropped call sorry wrong department. let me give you that number. go to this website ... we are closed. call back during a different time zone that what is humanly possible. maam I 'm going to send you to our escalations department. please retell me the story dropped call