davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (NJ)

I need help with a private Nelnet/Firstmark student loan. I am currently on XXXX and held a Nelnet Federal Loan as well. The Federal loan was forgiven. The Nelnet /Firstmark private loan they will not forgive. 

I am XXXX years old and on Social Security XXXX. I took the loan out when I was a single mother struggling to pay my bills and went to school to be a XXXX  where I never made any more than {$3200.00} a year. The loan of {$12000.00} was disbursed on XX/XX/XXXX at a variable rate of 4.750 % and the current balance of {$13000.00} ( 15 ) years later. My ex-husband was a cosigner on this and they continue to call him for payment. I have asked that they stop since we have been divorced since XXXX but they continue to call him. They refuse to forgive the loan as they say that the underwriter will not permit it since it works differently than my Federal Loan. The idea that I need to pay this in full or at all seems to make no sense at all. Firstmark continues to report to credit agencies as in collections since I have not paid anything on these loans and my credit rating is suffering. My ex-husband 's credit is also affected. I am told there is no more forbearance left on this account, current covid relief for student loans does not apply. There are no payment adjustments and no forgiveness for this loan. I would appreciate any help, suggestions, guidance as to how to navigate this. It seems ironic that after graduation, I worked as a XXXX for plaintiffs attorneys and clients that were injured and/or taken of financially while making very little money while supporting myself and my daughters as a single Mom and now that Im XXXX years old on Social Security XXXX Im dealing with this. I would very much appreciate any guidance you may have to offer.
Consumer complaint received 2021-03-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (VA)

Ever since I opened my Macys credit card account its been extremely difficult accessing the payment website. Each time I attempted to pay my Macys card through their website, I would click make a payment then asked to add my Macys card. I would add my credit card then go back to make a payment and continue on this loop and never actually able to make a payment for several days. It usually would take me 2 weeks to successfully submit my payment. A couple of times I called, ( pre-covid ) to make a payment, I was told I would be charged a fee to make a payment over the phone so to avoid that I would again go through the process of attempting to submit my payment online. Sometimes I would have to go into the store to make a payment. Once the pandemic shut everything down I wasnt able to go into the store to make my last payment of approximately {$41.00}. I tried making a payment online and kept getting stuck in the never ending loop. I called Macys in XXXX of 2020 and received a record message that due to covid there was no one available to take my call followed by message number then a random string of numbers and an extremely loud ear piercing beep. I dont believe Ive ever been late in making my Macys credit card payments and Ive mostly been able to pay every balance due, in full. Unfortunately now that small amount due has ballooned into over {$300.00}. Theyve reported it to the credit reporting agencies & it has negatively impacted my credit. I believe Macys XXXX purposely made it difficult for customers to make a payment online which then caused me to owe more than I spent.
Consumer complaint received 2023-02-10
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. (DE)

I submitted a letter to the 3 Credit Bureaus on XXXX XXXX XXXX  to update this suspicious account. I think you have not validated this account : XXXX XXXX Balance {$4200.00} This was already included in my prior COMPLAINT, and I'm including it again.
Consumer complaint received 2021-04-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (DC)

On XX/XX/XXXX, and XXXX, XXXX, XXXX, I tested positive for XXXX   while providing care for my XXXX year old mother in Indiana but my home is located in XXXX  DC. I called my mortgage company, AmeriHome, informing them of my illness on or about XX/XX/XXXX leaving a message for a return call. I also informed them I was in quarantine and please call. Amerihome never returned my calls .I made subsequent calls on XX/XX/XXXX, XX/XX/XXXX and emailed them on XX/XX/XXXX, because Amerihome failed to return my calls inquiring about options. As a result I went into my retirement account in order to bring my mortgage current. Amerihome failed to tell me about mortgage relief and simply demanded that I bring my mortgage current or face foreclosure and reported my mortgage as late to the credit bureau. When I went onto the Amerihome home website I could only make one late payment at a time which caused my XXXX, XXXX, mortgage payment to be late. I called Amerihome customer service several times and was finally able to reach them on XX/XX/XXXX, and they told me that there was nothing they could do and still failed to offer mortgage relief to me. I learned about HUD sponsored mortgage relief from a friend on XX/XX/XXXX. I called Amerihome on XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX to obtain but the number for mortgage relief/assistance always has a busy signal which is unacceptable in XXXX so I emailed them again on XXXX XXXX
Consumer complaint received 2018-06-28
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: Experian Information Solutions Inc. (IN)

Between XX/XX/XXXX and XX/XX/XXXX my identity was stolen and a fraudulent account was opened in my name by XXXX XXXX XXXX. The item is negatively effecting my Experian, XXXX, and XXXX  account. I need the item removed from my credit immediately.
Consumer complaint received 2020-10-07
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}, {$1600.00}, {$4100.00}, {$5300.00}, {$11000.00}, {$5900.00}, {$2100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5300.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account.
Consumer complaint received 2023-03-31
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$55000.00} XXXX  XXXX Balance : {$20000.00}
Consumer complaint received 2021-04-20
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: CITIZENS FINANCIAL GROUP, INC. (NY)

Starting in XX/XX/XXXX my wife and I reached out to Franklin American Mortgage Company to get a loan modification. From that point until XX/XX/XXXX they continually pushed off a decision from the underwriter by asking for information that we had to provide. The items they wanted were items like Proof of Flood Insurance, Proof of Escrow Account, Proof of Home Owners Insurance. All of which are items that a ) they already have because they pay them, and b ) We had to contact them to get the proof the underwriter needs. 
They in XX/XX/XXXX we were served by there law firm on a Friday night that they had started a foreclosure proceeding. We were never notified that the loan modification was denied. We received a letter 4 days later of such. 
Subsequently, in XX/XX/XXXX the loan was sold by Franklin American Mortgage to Citizens Bank, NA. 
In XXXX of XXXX I had a court conference with Citizens Bank. A loan modification was started. 

In XXXX of XXXX Citizen Bank Home Loan and I were approved for a loan modification, which was approved for a trial period. The trial period was XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During that period all payments were made ON-TIME, and in accordance to the loan modification. 
I found out about the issue in XX/XX/XXXX. I noticed that from XX/XX/XXXX thru XX/XX/XXXX Citizen One Home Loans reported my payments as 120 days past due, when in fact they were not. When I spoke to Citizen Bank Home Loans, they agreed that this was an error. They removed how it was reported to NOT REPORTED. Recently I found that they changed it back to 120 DAYS LATE.

I have confirmation from both my bank and Citizen Bank Home Loan from at the time I made the payments that they were credited to my account properly.
Consumer complaint received 2021-04-20
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: Diversified Adjustment Service, Inc. (TN)

These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. 
Also, stated in the HIPPA law section 1681b ( g ) ( 4 ) you are not allowed to disclose any of my medical information this is clearly a violation to my privacy. delete it from my report immediately.
Consumer complaint received 2021-04-20
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: Experian Information Solutions Inc. (AL)

I have disputed these 7 DEPTEDXXXX accounts on XX/XX/XXXX and XX/XX/XXXX to each of the bureaus, they all are reporting different account statuses, opening date, months of terms, payment status, last reported date, and last date active for each of the accounts. I have called as well ands still have not had my issue resolved.
Consumer complaint received 2021-04-19
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (MN)

Solo por hacer mi reclamo me bajo el score, no contestaron y volvieron a activar la cuenta en mi rcords de crdito como negativa solo por reclamar, es un acto de hostigamiento ya su dealer me estafo y ahora ellos me enviaron un papel del IRS como perdida del 2020 cuando ellos declararon esta deuda como perdida en el 2017, si nunca declararon la perdida en sus libros contables quiero que me enven la carta y quiero que esto sea entregado al IRS.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I hope you can help me with the issues am having with the credit bureaus. I have sent in dispute of things are over 7 years and they still havent remove them or sent me anything on them. Why is that? 
isnt it 30 days to reply to a dispute? well it been over 30 and I still have nothing and nothing is done either.Please help me with this matter I would deeply appreciated it.
Consumer complaint received 2021-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Synovus Bank (PA)

First Progress has closed my account without my authorization. First Progress has treated me in a discriminatory manner on customer service phones calls. First Progress refused to reopen my account and I have a credit in the amount of {$210.00}. First Progress has not honored their terms and agreements, they charged undisclosed fees.
Consumer complaint received 2021-03-18
Product: Debt collection — Other 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: Mountain Run Solutions, LLC (OH)

I was called and told the collector told me that she was on the way to my house and that I would be arrested. She also asked me if I still reside at my current residence. She told me I could prevent this by making a payment. She even stated that if Im not home she would show up at my job.

She works for Mountain Run. This is a collection agency for XXXX XXXX XXXX XXXX.

Also I do not owe the debt. XXXX  charged me a monthly amount more than what they stated it would be when I agreed. I also requested a suspension of service while my job was on furlough. They refused and continued to bill me. They refused to resolve issues before sending my account to a collection agency Also he collection agency is restarted my start date to fraudulent damage my credit. This has been on my credit for over 7 years.
Consumer complaint received 2023-03-31
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (WA)

I have a revolving XXXX account and had a monthly charge for a phone protection plan that was {$12.00}. In XXXX, XXXX, I purchased a new phone elsewhere and didn't need this protection plan any longer. I went online to XXXX and canceled the plan. I received another billing late in XXXX and decided to pay it in XXXX thinking maybe I did owe one more month. I received another billing in XXXX with new charges. I called the company, XXXX XXXX XXXX XXXX, that sent this billing saying I was late. They told me I had to call XXXX directly, but the number I had took me back to XXXX. I wrote a letter to them about the situation and included Samsung.s complaint form that I found online. I sent that letter on XX/XX/XXXX. Approximately XX/XX/XXXX I received a letter from XXXX saying they had received my letter and that they were investigating and I needed to continue making payments. Nope not happening because I would never get a refund and felt I didn't owe the money since I had canceled to plan. I have heard nothing more except to continue to receive late notices and when trying to call I sit on hold for hours and end up hanging up. We are in month 4 of this dispute and still not resolved.
Consumer complaint received 2021-04-20
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: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days.
Consumer complaint received 2021-04-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HOVG, LLC (FL)

I have not spoken to this company in over 6 months. They took {$100.00} from my credit card account today on XX/XX/XXXX I did not authorize this or speak with them about it. 
This is not the first time they have taken money without authorization. I had a lot of problems with them last year. I was paying them {$100.00} on the first of every month for 7 months ( XXXX ) After that was up they called me to renew my payment plan. I agreed to {$100.00} a month in the first of every month. They proceeded to take {$100.00} not on the XXXX. They took the payment out on the XXXX, 2 weeks early. They even took 2 payments out one month. I called them about this and they told me they were taking nexts months debt that day as well. Which was not authorized. Then she tried to tell me I havent paid in 4 months. I had reoccurring automatic payments every month. They had taken {$500.00} out of my account in those 4 months and told me I didnt pay them anything. I proceeded to continue to do business with them, until they get again started to take payments without my authorization on dates that were not discussed previously. This resulted in their not being enough money in the account they that were trying to take from because they were trying to take payment 2 weeks early. I stopped doing business with them because of this. I havent spoken to them since XXXX of XXXX. It is now XXXX of XXXX and they took {$100.00} today unauthorized. On XX/XX/XXXX. I told them multiple times last year that I just wanted to pay my debt {$100.00} every month continuously. One of the guys even threatened to charged my account for the whole debt if the payment ever bounced. As in, if I didnt have enough money in my account he said they would then take the entire amount that I owe from me. I made sure money was there to be taken out {$100.00} on the first. I told them if they would stop messing with my account that they would get the payment properly. I only had enough to give them the {$100.00} on the first in that account. There are more dates than I just listed.
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

This is me XXXX XXXX XXXX XXXX another complaint. Now On and XX/XX/21 and on XX/XX/21 I sent XXXX letters about some inaccurate things on my credit report, i also called and tried to get some help but no luck. It has been 60 plus days later and I have not received a response at all. Not a letter, email information from you or the credit agencies. I know am being taking advantage of and they are ignoring my requests both letters and online. In section 611 ( a ). It is plainly stated that a failure to investigate within 30 days gives me a reason to immediately remove these inaccurate items from my credit report. I know with covid things take longer but i am completely in the dark right now with no information that i requested. it has been well over 60 days so they need to be deleted ASAP. I demand these accounts be deleted immediately or I will have no choice but to file for litigation due to the tremendous amount of stress you caused me. My information was also impacted