davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Orchard Mortgage, LLC (CO)

On XX/XX/XXXX, XXXX XXXX a registered real estate agent came to my home to discuss the Move First program. On XX/XX/XXXX, I was informed in order to determine approval for the equity advancement I needed to fill out the pre-approval form with Orchard Mortgage LLC to which I explained to XXXX that I already had a pre-approval with my local credit union for up to {$770000.00} and did not need any other pulls to my credit. I was told in order for the guaranteed offer to be presented they needed to know how much of an advance I could be approved up to. At no time did anyone explain that this what loan type this was. I checked the website as well and combed through the FAQ 's about the equity program. I requested that the company remove the inquiries do to lack of transparency in-terms of what was being applied for. I am aware I can not apply for a conventional loan until four years has passed. I was given incorrect information from XXXX XXXX stated that I would need to wait five years before being able to apply for a conventional loan which is incorrect it is four years from the date of discharge for a XXXX XXXX bankruptcy. I was informed by XXXX XXXX that I did not meet the minimum credit score requirements which is incorrect my credit score is well above XXXX which is what is needed to apply for a FHA loan. The business transaction lacked transparency and Orchard Mortgage is doing nothing to report the harm they bestowed on me by an unnecessary credit pull. They did not explicitly explain this equity loan was a conventional had I know I would not have elected to proceed forward. This needs to be included in the FAQ that the equity advance is a conventional interest free loan not a standard personal loan. I spoke with XXXX XXXX this afternoon on XX/XX/XXXX and informed him that XXXX had provided incorrect information and he stated he needed to send me an email and the forward the response to his compliance team to determine the best course of action. I stated this was not necessary that all he needed to do was email his compliance team to request a letter be drafted to the respective credit agencies to remove the inquiries as they were not needed that had they informed me that a conventional loan was needed for the equity advance I would not have proceeded. XXXX was not helpful, nor was XXXX or XXXX or XXXX.
Consumer complaint received 2018-09-13
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. (FL)

I have several inaccuracies on my credit report. Including closed accounts reporting that I was delinquent in payment and others saying that I owe them money from years ago. 

XXXX XXXX - ( CLOSED ) XXXX XXXX XX/XX/XXXX - INCORRECTLY REPORTING AS 30 DAYS PASSED DUE FOR XX/XX/2018 ; THIS IS NOT CORRECT XXXX XXXX XXXX XXXX - Account Paid in Full ; was a Collection ( Not my account ) I also have some hard inquiries on my credit report that I did not authorize as well : - XXXX  = Inquiry from XX/XX/2018 - XXXX XXXX = Inquiry from XX/XX/2018 I don't know what the heck is going on. I have no knowledge of these accounts, someone must have opened them using by falsifying my identity. 

I've called and tried to resolve the issue but I have had no luck. They just want me to pay them.
Consumer complaint received 2024-04-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA (AZ)

I was released from my last job on XX/XX/2023. I called Mohela/XXXX that day to get my loan put into forbearance while I look for a new job. They said forbearance does not exist for private loans ( which it does ) and due to my savings I had at the time, I could not get a lowered payment. I have been paying {$540.00} a month since then out of my savings. Next week will mark my XXXX month anniversary of not having a job and I'm out of savings at this point. I called MohelaXXXX again and asked to be put into forbearance and was told it does not exist for private loans, but I could get a lowered payment of about {$210.00} a month. I reminded them I have no savings and no income and I don't even know how I'm going to pay rent after this month. Their response was that I could take the lower payment or continue making the full payment and then made a point to ask me which one I wanted to choose. I chose the lowered payment, not that it helps any. I can't pay even that at this point. If they had allowed me to do a lowered payment back in XXXX, I would still have some savings left and could have lasted longer, but now all options for me are gone. 

I stated I was going to contact DoE and CFPB to file complaints and suddenly the rep I was talking to was interested in having me speak to a supervisor. Of course none are available ( they never are ) and I was promised a call back within XXXX hours ( which they never do ). So, my current situation is I'll no longer be able to make payments and my credit is going to take a hit for non-payment and then I'll go into default. Maybe I should just file bankruptcy.
Consumer complaint received 2024-04-19
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. (TX)

In accordance with the Fair Credit Reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 the right to privacy.

15 U.S.C 1681 section 602 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting 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 seven 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 the information is inaccurate.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC. (WV)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-02-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (GA)

As of XX/XX/XXXX, my XXXX property taxes for my FHA home are delinquent, my property tax commissioner has taken out a lien against my home because the property taxes are now XXXX  years delinquent. I have submitted disputes and complaints and the company ignores them. I have an escrow account that is supposed to pay ( IN FULL ) my property taxes each year, yet as of XX/XX/XXXX they still have not finished paying my XXXX property taxes. Each time I call they claim they have but as can be seen on the XXXX XXXX tax commissioners website and by calling the XXXX commissioner  no the taxes for this property are still unpaid in full.
Consumer complaint received 2023-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account name XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-11-17
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: NAFCO Finance (NC)

I have a car loan I prepaid for around XXXX months. After the XXXX  months of prepayment I didnt realize a payment was due and proper notification was not given and my car was repossessed. 

Also during the repossession the tow operator would not release the car as requested and damaged the car.
Consumer complaint received 2024-06-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VYSTAR CREDIT UNION (MS)

I payed off loan on XXXX XXXX and requested in writing that title be sent to my home address. The car was titled in Mississippi not Florida .I live in Mississippi and have car tag in that State not Florida . I called Vy Star and they refused to discuss the matter with me. A representative called me on the XX/XX/XXXX and indicated that I would not receive the title because it had to stay in Florida. Please note the car is titled in Mississippi.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I've consistently maintained punctual payments on this account, preventing any instances of overdue status. The rationale behind the reported late payment remarks on my accounts eludes me. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-04-11
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: EQUIFAX, INC. (GA)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Accounts for XXXX  are reported incorrectly on my credit report DEPT OF ED/AIDVANTAGE XXXX XXXX XXXX Account XXXX XXXX {$1600.00} XXXX {$39000.00} XXXX {$1700.00} XXXX {$2700.00} XXXX {$1300.00}
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have been going back and forth with all three consumer reporting agency 's XXXX XXXX and Equifax regarding several accounts that are reporting inaccurate on my personal consumer report and as of todays date no action as been taken from either of them. 

XXXX original amount {$2500.00} current {$3000.00} Date : XXXX XXXX XXXX original amount {$750.00} current {$990.00} Date : XXXX XXXX XXXX XXXX amount {$81000.00} was paid off not written off as a charge off account. 

XXXX XXXX XXXX XXXX amount {$1400.00} date : XX/XX/XXXX collection on behalf XXXX XXXX XXXX XXXX XXXX XXXX, Never heard of anyone of these company never had an account with them either. 

Several inquires appeared on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

i have sent in numerous certified mail asking to remove these collections and inquires off my account that i dont recognize and also is inaccurate. they fail to provide any proof that the companies has consent to furnish my private information. nor did they provide me with any details of the reinvestigation of this account.
Consumer complaint received 2024-04-17
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 crimes which antedates the report by more than XXXX 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 the information is inaccurate.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue XXXX, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2024-04-09
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: EQUIFAX, INC. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (TX)

This letter is being emailed and sent to : The Offices of XXXX XXXX XXXX XXXX XXXX Mr. Cooper/Nationstar Mortgage and copied to : The Office of XXXX XXXX - Texas Attorney General The Office of XXXX XXXX XXXX County District Attorney The Office of XXXX XXXX Finance Commission of Texas The Office of XXXX XXXX Texas Department of Banking The Office of XXXX XXXX Consumer Financial Protection Bureau This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 

I am writing because Mr. Cooper/Nationstar Mortgage has not acted in Good Faith as it pertains to my mortgage and what has transpired since Hurricane Harvey and the forbearance that was offered to us as a result of the storm. 

After Hurricane Harvey, Nationstar reached out to us and offered a forbearance for our XX/XX/XXXX XX/XX/XXXX payments. And, that the 4 payments would be put at the back of my current loan. We were told that we didnt have to fill out any paperwork and we would begin making our regular monthly payments again in XX/XX/XXXX. When I reached out to my loan specialist XXXX XXXX in early XX/XX/XXXX, I could not reach her. I was directed to the general customer service department. I was informed that ; 1 ) many clients were in a similar situation as I, 2 ) Mr. Cooper was behind in processing paperwork, and 3 ) I would receive my paperwork no later XX/XX/XXXX. From that point for the next several months, I received a different response ( every time I called ) as to the status of my loan and the forbearance. I was informed on several occasions, however, by multiple customer service representatives ( and supervisors ) that my account was still under review and to not make a payment ( I have recorded conversations to verify this ). 

After contacting Mr. Cooper for the 20th time in XX/XX/XXXX to resolve my delinquency, I was informed by a customer service manager that we didnt qualify for the forbearance ( because we were behind on our payments ( which was inaccurate ), and that we needed to start making payments. We made our XX/XX/XXXX and XX/XX/XXXX payments and when we attempted to make our XX/XX/XXXX payment, we were prevented from doing so. We were also told that our account was again under modification review, yet we could only make a payment if we could pay the past due balance in full. 
We were not offered a reasonable solution to cure our mortgage delinquency. 

We are simply seeking a resolution to this matter, in good faith, by Mr. Cooper/Nationstar Mortgage. We were originally offered a forbearance ( in XX/XX/2017 ), not a loan modification, and we are asking that our loan servicer and investor keep their commitment. Had we been offered a modification, we would ( and could ) not have accepted their offer.
Consumer complaint received 2018-04-06
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: AMERICAN EXPRESS COMPANY (SC)

I purchased an item via XXXX and paid through XXXX which is linked and paid via my American Express card. I received an item that was fake - counterfeit. I opened a dispute with American Express. Simultaneously I alerted XXXX that the item was counterfeit. XXXX sent me a prepaid label to send the item back and assured I would be issued a refund. American Express assured I would be issued a refund also when I sent the item back. I sent the item, confirmed it was received back and was told a refund would be issued XX/XX/18. Two days later, I was told by XXXX they can not issue a refund because American Express is handling the issue. I have spent countless hours trying to followup with American Express including their Executive Relations area and continue to be told the case is on hold, they haven't heard back from XXXX -- which is false as I confirmed XXXX followed up with them. I have sent them proof the item has been returned back, and they are still not issuing the refund of {$510.00}. It has now been well over 6 weeks with no resolution.
Consumer complaint received 2024-04-09
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: EQUIFAX, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-04-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: SLM CORPORATION (NJ)

In XXXX I was contacted by Sallie Mae, asking to make a large payment on my student loan. Which I did of about {$5000.00}. COVID hit shortly after and I wasnt receiving calls or even mail from Sallie Mae. In XXXX I had to file bankruptcy XXXX  XXXX, successfully discharged me. I noticed on my credit report my Sallie Mae loan showed closed with a {$0.00} balance owed. I at this point wasnt receiving any contact from anyone about this loan, I assumed it had been discharged in my bankruptcy. Fast forward XXXX I was sent a letter that I was being sued by a collections agency that had brought my Sallie Mae loan. I had no knowledge of this what so ever until I was already being sued. I am struggling at this point to find options to help me with this. I do believe this wasnt done right and really just seems legal. I even tried working with the collection agency who wouldnt even tried to hear me out or lower the payment to something reasonable. The agency is requiring a monthly payment of {$1100.00} a month after I told them I wasnt working from XXXX of XXXX until the beginning of XXXX. I also asked for that payment to be lower to about {$300.00} a month and it was simply rejected. I was told if I couldnt pay the {$1100.00} unfortunately the law suit would be continued.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, 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. (TX)

I am disputing the accuracy of this account on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account keeps getting ownership changes from one collection company to another. They are playing games with the dates opened, which is violation of the FDCPA. I have disputed the accuracy of this account before under different collection agencies. They have apparently sold this account and changed the open date to a more recent date this year. This is a violation, and confirms that they have no other interest other than to harm me financially.
Consumer complaint received 2023-05-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE (TX)

They have called repeatedly.3 or more times a day every 6 days of the week. They also email me multiple times a week. I forgot to pay it and when I saw that they called the first time it reminded me. I was at work so I was going to do it when I got off ... .then they called multiple more times that day before I got off and now I just haven't paid because they are irritating me while at work.