davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (GA)

I was behind in my payment due to ill health and I was advised to apply for a loan modification by XXXX XXXX/XXXX  XXXX who had my mortgage. Soon as I applied, the mortgage was transferred to Fay Servicing LLC. which claimed not have received my loan modification application. while this was going on, the loan became more than three months behind and they refused to take any partial payments. 

I pleaded that the Covid 19 Pandemic has further created a further strain but that I was ready to pay at least {$3000.00} down out of the balance of {$7700.00} if they would at least work with me or grant me some form of forebearance. 

I then contacted a Housing counselor who filed a fresh application on my behalf. As this was being reviewed, I received a letter dated XX/XX/2020 from Fay Servicing LLC. signed by one XXXX XXXX, stating that my application for loan modification will not stop any foreclosure proceedings against me. My Housing counselor, Mr XXXX of XXXX XXXX  XXXX  XXXX advised me that it is improper for Fay Servicing to proceed with any foreclosure proceedings while the loan modification was pending. Secondly, that I met the threshold for the loan modification application to be approved because I now have a surplus of over {$700.00} in income after deduction of all expenses. All these information were forwarded to Fay Servicing. 

It is pertinent that they are also reporting this loan this period as late to the credit bureaus at a time when other mortgage companies are giving a respite to their customers at least during this pandemic and in line with the policy of the Honorable housing secretary. 
I humbly appeal for your kind intervention in this matter regarding Fay servicing.
Consumer complaint received 2020-03-25
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

Out of work due to covid-19 and can not afford to make mortgage payment on XX/XX/2020. Pennymac mortgage lender is only offering their forbearance program where at the end you pay back all missed payments upfront, increase your home loan until the payments missed are paid back or forced to change your home loan to a higher interest rate or 40 term loan. No deferment option available. It seems like the lender is profiting off of a pandemic and not actually trying to help their clients. My wife is out of work and XXXX, I am XXXX and have a XXXX. Being expected to just financially be able to afford a higher mortgage or higher payments in 3 short months is unreasonable in this time and a deferred payment option should be available, just like other lenders are doing and loan payments are doing. After speaking with customer service the lack of care for their clients staying in their homes is apparent.
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have never missed a payment and they report me as missed payment. this has affect my score a lot and hindered me from getting what I want. I need the late payment to be removed from XXXX XXXX credit account.
Consumer complaint received 2020-04-11
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

In the XXXX, my employer opened a retirement account for me at TIAA ( https : //www.tiaa.org/public/index.html ) -- I was in my XXXX,  left that employer after three years, and mostly forgot about the account. 

A few weeks ago I decided to look into it and learned that I could have started withdrawing funds seven years ago. The total had grown substantially, and I started sending TIAA emails and making phone calls, having read online that the organization can be a challenge to deal with. TIAA representatives told me that I could only withdraw a portion of the funds now, with the remainder paid out as an annuity over the next decade. I agreed to that, and gave them my bank account info so that they could do a direct deposit. 

And then, an insurmountable obstacle : they need my husband to sign a notarized waiver agreeing to the deposit. I explained that we were under a Shelter in Place order, that our bank account is in both names, and that California is a community property state. To no avail. I was told I had 30 days to get my husband 's statement notarized. Obviously, that is not going to happen within their timeframe. 

I understand their reluctance to give me my money, but it is hugely frustrating to be in this situation with no recourse. I value any guidance you can give me.
Consumer complaint received 2020-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I have requested for my payments to the PSLF program to be calculated due to the amounts of qualifying payments not matching for Direct Subsidized Consolidation Loan ( DLSCNS ) and Direct Unsubsidized Consolidation Loan ( DLUCNS ). Currently FedLoan Servicing has calculated the qualifying payments DLSCNS XXXX and DLUCNS XXXX  even though the payments have been made for both loans at the same time since I began repaying my student loans. I have requested twice for FedLoan Servicing to fix or at least give an explanation for the unmatched amounts with no success. I have worked for the XXXX XXXX XXXX and made payments since XXXX. My FedLoan Servicing Account Number : XXXX XXXX XXXX
Consumer complaint received 2022-11-04
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. (MI)

XXXX XXXX is a third party LLC who take information from Secondary companies and post it to their website against the ORIGINAL CREDITOR knowledge. 
XXXX XXXX is committing AGGRAVATED identity theft. 
XXXX XXXX is committing FRAUD and related activities in connection with identification documents, authentication features and information, KNOWINGLY! 
XXXX XXXX does NOT have permissible purpose. 
All of these violations stated above are just a FEW laws that XXXX XXXX has knowingly violated. 

I, XXXX XXXX am the original creditor. 
I, XXXX XXXX am the only one who dictates what goes on my consumers credit report. 
I, XXXX XXXX did not and never will give XXXX XXXX my written consent to report anything negatively to my consumers credit report. No consent is IDENTITY THEFT! 
XXXX XXXX retrieved information from someone else other than myself, which is FRAUD! 
XXXX XXXX has sent emails from TRANSUNION, XXXX, XXXX credit bureaus FOR XXXX XXXX. 
All parties are liable and are in connection with committing numerous codes in which they have knowingly violated. 

XXXX XXXX, as a consumer I am demanding you to please send me a copy of my handwritten letter giving you my written instructions to report any of this to my consumers credit report. You can send me my handwritten copy to : XXXX A copy of a FEW of the laws that you violated will be attached to this letter. 

XXXX XXXX is abusing their companies by committing numerous of crimes. 

XXXX XXXX, you have stolen my identity along with every other second LLC. 
You are in violation of the following codes : 15 USC 1681b ( 2 ) 18 USC 1028 15 USC 1602 ( a ) ( b ) & ( g ) 15 USC 1681 ( a ) ( 4 ).

XXXX XXXX has to be stopped!
Consumer complaint received 2020-03-25
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

We contacted Capital One and disputed a claim with the merchant XXXX XXXX. Capital One informed me Mastercard handles the disputes. We provided all of the correct documentation. As Mastercard investigated they contacted me and asked for more documentation. We provided more documentation. However, the merchant was not asked to provide more information, therefore, the case was closed. If Mastercard asked the merchant for more information, they would have found out he could not provide more information to support his position. Therefore, Mastercard did not completely investigation our disputed charge. Case Number with Capital One/Mastercard : XXXX
Consumer complaint received 2022-11-04
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. (FL)

Upon my records indicates TransUnion, LLC is reporting inaccurate information on my consumer report. In addition, The XXXX XXXX has been DELETED from my consumer report by consumer reporting agency XXXX XXXX XXXX XXXX. The banking system is depending upon fair and accurate reporting, TransUnion, LLC has a duty additionally failing to comply by willfully failing to follow reasonable procedures to assure accuracy. Inaccurate information a consumer reporting agency shall DELETE by law. In addition, there is a outstanding balance invoice attached. SEE Attachments.
Consumer complaint received 2020-03-25
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. (CA)

I am filing this complaint because Equifax has ignored my request, to provide me with the documents that their company has on file, that was used to verify the Late Payment I disputed. Being that they have gone past the 30 day mark and can not verify this Late Payment, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. " Please resolve this matter as soon as possible, Thank you.
Consumer complaint received 2020-03-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (NY)

Due to the current COVID-19 situation, I am unemployed as of XX/XX/20. I contacted Rocket Mortgage/Quicken Loans who I have my mortgage loan with to ask what assistance they will be providing to their customers. They are offering nothing that will help someone like me get thru this difficult time. A one income household and loss of job due to coronavirus. Forbearance : They will defer your payment 3 months but at the end of the 3 months ( i.e. XX/XX/2020 ) you  would have to pay all 3 months in one lump sum. Not realistic and not helpful. Or, you can wait until that 3 months come and do a loan modification which will cost the customer money/ how much they can't say. So, there is no emergency assistance here. Someone please help!!! This is a national disaster and this company should be held accountable to assist it's customers without burdening them more then they already are. Thank you for any help you can provide.
Consumer complaint received 2019-11-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (NJ)

I had a wireless account with XXXX and somehow the billing got screwed up and my service is disconnected. So I know I owe XXXX but I have already paid {$1400.00}. into the account when it was current and not sure how I am owing {$2600.00} sent by a collection agency after a year of service for an XXXX and XXXX. I sent in a written request to validate debt and they put it on my credit anyway with out verifying and they are calling me all day while I am at work. I would like them to remove the debt from my credit report and validate how much I owe. I am attaching the bill from XXXX. I call XXXX  and they cant get the billing right. The debt collection agency is Credence
Consumer complaint received 2022-11-04
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. (MD)

n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-11-04
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. (IL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 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 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the PDF file of my dispute letters that were sent to the involved Bureaus My dispute letters were ignored and nothing happens so far.
Consumer complaint received 2024-03-13
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. (PA)

I realized today that this alledged debt is illegally reporting on my credit report without my written instructions. I never received anything from this company in the mail and never did any business with them or the alledged company that they alledgedly represent and I will attest to this in a court of law. 

Even if a debt exists this company has NO right to appear on my credit report without my written instructions as per The Gramm-Leach -Blilley Act Section 6802, FCRA 602 states I have a right to privacy and FCRA 604 ( a ) ( 2 ) states that a credit reporting agency can not furnish an account without written instructions. 

XXXX XXXX XXXX. ( DELETE NOW ) If so I would have demanded the purchase agreement and other documents. 

XXXX XXXX XXXX is in blatant violation of The Gramm - Leach - Blilley - Act Section 6802. This is a violation of my privacy rights as FCRA 602 states I have a right to privacy and FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my written instructions.

Remove this account from my credit report immediately.

If this account is not deleted, I am requesting in advance that Equifax provide what is required under FCRA 611 ( a ) ( B ) ( iii ) / FCRA 611 ( A ) ( 7 ) for you to send the procedures used that led to this alledged account to be verified/updated and to provide the name of the person ( s ) you spoke with along with their address and telephone number ( s ).

Remove this account from my credit report as the sole basis of my dispute is based upon the fact that it is illegal for this alledged debt to appear on my credit report without written instructions.
Consumer complaint received 2020-03-24
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Automatic Data Processing, Inc. (TX)

XXXX XXXX XXXX is refusing to give me provisional credit as explained in their policy. Information they've requested was submitted on the XXXX of XXXX within the 10 business day qualification. This particular claim was submitted on XX/XX/2020. They have refused to transfer me to a manager stating that their is not one. Supervisor I spoke with named XXXX hung up in my face and placed a note on the account stating not to transfer me to supervisors. Today is the XXXX business day and they are acting unethically regarding my dispute. I have recordings of the interactions with the supervisor and customer service reps. They are giving me the run around so they wont have to provide the credit and have given me every excuse in the book of how the policy doesn't apply to my dispute.
Consumer complaint received 2020-04-04
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: Experian Information Solutions Inc. (TX)

more like 90 days ftc violations and hippa XXXX XXXX XXXX XXXX XXXX XXXX report number XXXX
Consumer complaint received 2020-03-25
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (NC)

i closed a v a loan on the XX/XX/XXXX ... per my c d it was suppose to fund on the XX/XX/XXXX ... as of XXXX est on XX/XX/XXXX it has not ... ....
Consumer complaint received 2023-06-05
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. (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 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 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as equifax 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXXXXXX 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
Consumer complaint received 2023-04-25
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the ITEMS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX