davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CO)

I started with aprox XXXX  in private loans, I've paid them XXXX over the last 10 years and I still owe more than XXXX. It's because they adjust my interest rates almost every month. I've had $ XXXX {$300.00} in remaining interest for at least 2 years as the constant increase in interest rates makes it so I'm never paying more than a few dollars in principal, it all goes to interest, every time. 
They have complete control over me, I called recently to ask if I could pay off the loan in full at a reduced amount and they said absoultely not. 
How am I ever suppose to repay this loan? 
Due to my debt in income ratio ( because of these loans as my credit score is over XXXX ) I am unable to refinance this loan to get a fixed rate. 
I've already been forced to file bankruptcy as I couldn't pay off a small amount of credit card debt due to the fact that I stay current of my loans since my mother co-signed. There's literally no end in sight to this madness.
Consumer complaint received 2022-04-18
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. (NC)

In accordance with the fair credit reporting act XXXX  Accounts XXXX # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have a few accounts on XXXX, XXXX, and Experian. All have different Amounts, a past due amount on collection items and I have a payday loan that was deleted and now is back on my credit report. I filled a dispute on XX/XX/XXXX for. XXXX which is {$1100.00} XXXX for {$3300.00}. The XXXX account doesnt have the right address. XXXXXXXX XXXX has different amounts on all 3 credit bureaus. Its a closed account with a past due balance of {$1600.00}.
Consumer complaint received 2023-10-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company (OK)

Last year we got behind on mortgage but to get relief they told us it has to be at least 2 months behind for loss mitigation. So after 2 months I applied and sent all documents then on deadline they told me it got denied and I had to send more information. I then resent everything again and asked them if I can still pay while in loss mitigation. They advised me that I can not make payments until it was finished. This process happened about 4 times of I remember where I kept sending everything. They not only didnt keep me informed I had to call them weekly for updates and told they didnt know anything yet. Finally I got on 3 month forbearance which ended XX/XX/2023 but at beginning of last month they said they were sending me a packet to renegotiate our loan in middle of XXXX. Not only did they not send anything they also did not contact me to tell me it fell through. I called On last day of XXXX to see where the papers were and they told me they were unable to do anything that Im in foreclosure now. I asked for our communication transcripts but they said I must subpoena them for the information.
Consumer complaint received 2022-04-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

CRA taking longer than 30-45 days to complete dispute. They are not in compliance with the FCRA & FCBA laws.
Consumer complaint received 2022-04-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2022-04-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2022-03-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

XXXX Mortgage XXXX issued me a predatory loan that requires me to make a balloon payment to keep my home. This balloon payment became required for me to make after several years of making a normal payment of {$1400.00}, then suddenly I am required to make this outrageous payment of at least {$81000.00} to keep my home. After a year of making payments on time, XXXX sold my mortgage to Select Portfolio Services who are operated by a group of investors who waited in hope that I will most likely not be able to make this balloon payment in order to keep my home.
Consumer complaint received 2022-04-18
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. (PA)

In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Metro Area Collection Service, Inc. (OR)

On XX/XX/XXXX I checked my credit score via XXXX, and noticed a new and unknown collection account. This account claims to have been opened XX/XX/XXXX for {$2300.00}, the original creditor [ XXXX XXXX XXXX ] is unknown to me and I have never been contacted by phone or in writing by the representing collection agency [ Metro Area Collection Services ( XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), so I immediately started an online dispute. I also issued a written debt verification letter to the reported agency requesting immediate verification / removal of the debt. This notice was written and mailed on XX/XX/XXXX. To date, XX/XX/XXXX, I have never received anything in writing from this firm, have never been contacted by them, and have no knowledge of the claimed original creditor. This debt is unverified and has been filed unlawfully per The Fair Credit Reporting Act.
Consumer complaint received 2023-02-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (PA)

We were given a HELOC back in I think 2016 with Susquehanna, then BB & T, and now Truist Bank. We were told at that time that the way the line worked is we could take out an amount and choose either a fixed rate option where the rate would be fixed and we would pay back a certain amount of pricipal and interest over a certain number of years or we could just use it more like a regular credit line where we could take out an amount and the interest rate could adjust. We initially after receiving the line, too out I think about {$35000.00} and fixed that rate at about 3.75 %. Over the years we have taken out and pay back smaller amounts at the adjustable rate option. As of this past XXXX we did not have any amount owe other than the fixed rate. Any time we used the adjustable rate option wehad paid it back quickly. 

I went into the branch on XXXX XXXX this past XXXX, because we had some projects coming up and I knew rates were on the rise, so I wanted to see about taking out an additional $ XXXX {$15000.00} and choosing the fixed rate option. The rate I was quote was XXXX?? %. I know it was under 5 %. Since that rate was still so good, I chose to take out {$15000.00} and fix the rate/payment. When the bills arrived, I paid the amount due for the first several months. Everything seemed good. 

This past Fall, I started getting noticed about past due amounts, late fees, and rate changes. I called the number on the statement and was told they could not help me and I had to call the branch. I called the branch several times in XXXX and each time was told that the person had to speak to a supervisor, would get back to me etc. They never got back to me and eventually told me that the manager I had worked with to take out the additional {$150000.00} was no longer there. I asked for them to send me the paperwork on the loan and was told they could not find it. I paid the amount I believed was due. The bills arriving in the mail were super unclear on what was actually owed and kept referring to interest rate changes, which should not be because I had chosen a fixed rate option. Today I tried again to call the main number since the branch was no help. The person I spoke with found my line of credit and the original fixed rate portion but could not find anywhere that said anything about the {$15000.00} I took out OR the rate being adjustable or anything at all about. She could not tell me what I owed or what had been messed up concerning fixing the rate. She told me I had to wait 48 business hours to hear from a manager. 
However, at this point this is the fourth time I have been told to wait a few days to speak with a manager and I am very concerned that I am being charged a higher rate than I agreed to, that I don't know the amount to pay, that I am being charged late fees, and I am concerned that this will negatively affect my credit.
Consumer complaint received 2023-08-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc. (AZ)

XX/XX/XXXX called in as the kept calling over and over and even called my mother ( calls were ignored as they were constant for XXXX weeks thought it was scam call ) XX/XX/XXXX spoke with XXXX and gave name address and told him I need a letter of debt verification as I have yet to receive any notice about this assumed debt. I was told that the assumed debt was from XXXX of XXXX for the amount of XXXX from XXXX XXXX was told I would receive the letter in the mail have yet to receive it has been over 5 days XX/XX/XXXX I called XXXX XXXX and gave my name, dob, and the supposed date of non payment hospital couldnt find anything XX/XX/XXXX I have disputed the debt via credit reports
Consumer complaint received 2024-03-12
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)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2022-04-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

hello I submitted my first initial dispute on XX/XX/XXXX with XXXX, Experian, XXXX with no responses or action taken by them the account continues to remain reporting in accurate on my credit report which is effecting my life horribly, the account is below XXXX-acct # XXXX they have been reporting my payment history inaccurate for over 2 years now and will not update, or delete this account i have attached the factual proof of there errors. for example XXXX has been reporting me paying ontime since XXXX of XXXX but experian is reporting CO on this account for payment history and this account has beenclosed since XXXX this is also a charge off and is still reporting a past due, and reporting payments every single month when this account is charged off. the last paymetn reporting was done by Experian CO on XXXX of XXXX this year. this is illegal practices on an account that has been closed since XXXX. 

XXXX XXXX - acct # XXXX this account is was paid and full back in XX/XX/XXXX XXXX is reporting derogatory account status when this account was paid if you look in there comments it says PAID settlement accepted. 

XXXX-ACCT # XXXX - this accoutn is reporting inaccurate balance as well, Experian and XXXX removed this account long ago but XXXX keeps reporting this inaccurate balance and has yet to verify this account with any proof.
Consumer complaint received 2022-04-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

hello I submitted my first initial dispute on XX/XX/XXXX with Transunion, XXXX, XXXX with no responses or action taken by them the account continues to remain reporting in accurate on my credit report which is effecting my life horribly, the account is below XXXX-acct # XXXX they have been reporting my payment history inaccurate for over 2 years now and will not update, or delete this account i have attached the factual proof of there errors. for example XXXX has been reporting me paying ontime since XXXX of XXXX but XXXX  is reporting CO  on this account for payment history and this account has beenclosed since XXXX this is also a charge off and is still reporting a past due, and reporting payments every single month when this account is charged off. the last paymetn reporting was done by XXXX CO on XXXX of XXXX this year. this is illegal practices on an account that has been closed since XXXX. 

XXXX XXXX - acct # XXXX this account is was paid and full back in XX/XX/XXXX XXXX is reporting derogatory account status when this account was paid if you look in there comments it says PAID settlement accepted. 

XXXX-ACCT # XXXX - this accoutn is reporting inaccurate balance as well, XXXX and XXXX removed this account long ago but Transunion keeps reporting this inaccurate balance and has yet to verify this account with any proof.
Consumer complaint received 2022-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NJ)

They are charging me {$110.00}. At the time when my account was closed, I only owed the minimum of {$40.00} on each card. Amex continues to say that I have returned payments when I recently update my bank to American Express. The bank account is called XXXX. 

Moreover, American Express did not give a good explanation as to why my accounts were cancelled. My credit score was the same for the past twenty four years since I had these cards. I made the payments, on time, each month. I am XXXX, I receive social security and I am self employed. I believe that the ceo of this company is XXXX. They also have different types of relief, at American Express, for people who lost their job, who need help making payments, or whose credit is less than perfect. My credit did not not matter. I was never offered these opportunities. In my case, I did not need help making payments, I was admitted to the hospital in XX/XX/2021, and someone had stolen my credit cards ( wallet ) and they stated hacking my phone number and ruining my accounts. I had no problem with my accounts until XX/XX/2021. I would like to reinstate the accounts. 

American Express wanted to close them for discriminatory purposes. I tried opening a new card and I was not approved. There are other card members, with the same credit score and other financial difficulties but he allows them to stay card members. I had the same problem with XXXX card. Is there a different solution for these two cards? It may prevent me from purchasing a home or buying a car.
Consumer complaint received 2022-04-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (NY)

I requested LVNV & Resurgent Capital to please Not send me any documents. I requested a cease and desist and now they threaten my attorney that they are planning to sue me and saying its fraud, when my letter was a cease and desist request., but they continue to ignore my cease and desist request. LVNV and Resurgent Capital is trying to intimidate me, I request that the CFPB do an investigation and find out how many people or consumers have they also tried to intimidate.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center (NY)

The XXXX  was supposed to submit the bill to XXXX and they sent it to my secondary ins. co.instead!!!! I'm on full XXXX and " NEVER " paid a hospital bill EVER!!!! I I assume they fixed their incompitance since I never heard from them again!!!!
Consumer complaint received 2021-02-19
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: Bread Financial Holdings, Inc. (NY)

I am writing your company today to inform them of the violation of my rights under the laws put in place by congress to protect the consumer. Your company is in direct violation of the Fair Credit reporting act. Section 603 ( 2 ) states the exclusions of the things that should not be reporting on a credit report. A consumer report does not include the reporting of report containing information solely as to transactions or experiences between the consumer and the person making the report. The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. All of the companies listed below are CORPORATIONS as defined by congress as a person Therefore the transactions between the consumer ( me ) and these corporations should not be on my consumer report under FEDERAL LAW! You are in direct breach of the federal laws put in place to protect the consumer. Not only that, but it is also a defamation of character reporting this information on my consumer report which pertains to a violation under the FDCPA. My lawyer has told me that these violations are subject to litigation and payment of up to {$1000.00} for each violation. This information comes directly from the 15 USC 1681 so understand if you disregard this information, you are in direct violation of Federal law.
Consumer complaint received 2022-04-18
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: SYNCHRONY FINANCIAL (NJ)

SYNCB  APPEARS ON MY CREDIT REPORT AS HARD INQUIRY... I NEVER REQUEST A CARD WITH THIS COMPANY NEITHER HAVE A CREDIT OR DEBIT CARD WITH THEM
Consumer complaint received 2022-04-18
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. (OH)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ( XXXX ) Account # XXXX as well as XXXX XXXX XXXX ( XXXX  ) Account # 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