davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I am having a very difficult time with SLS - Specialized Loan Services. Because of COVID in 2020 I lost my income. SLS placed me on a forbearance under the CARES ACT. In XXXX I applied for a loan modification and was declined in less than a week. I don't think SLS even reviewed me or placed me in underwriting. The decline letter states I was approved for a short sale which is proof they never looked at my file, I have equity. Also the decline letter states they were not able to verify a qualifying hardship. Is a national pandemic that has killed 300,000 Americans is not a qualifying hardship? Again proof they never reviewed my file.
Consumer complaint received 2023-01-17
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. (NC)

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 2023-01-17
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 appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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
Consumer complaint received 2021-01-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (NC)

PNC BANK Loan Reference Number : XXXX XXXX XXXX, NMLS # XXXX Loan Specialist Fulfillment, Consumer Originations Lending Services PNC BANK XXXX XXXX XXXX, Location : XXXX XXXX, MI XXXX Office : ( XXXX ) XXXX This complaint is made in connection with the above-referenced loan and the Loan Specialist servicing the loan, XXXX XXXX ( NMLS # XXXX ). Currently there is a dispute about the home appraisal for this loan. I provided the Loan Specialist a number of documented home improvements that substantiate an increase in the original home appraisal and he represented that this would be enough information to require an in-person appraisal of the home. This representation was false as he later informed me that the underwriter would not conduct an in-person appraisal and would not increase the initial appraisal amount despite the information that was provided to him. 

I have requested multiple times to speak directly with the Loan Specialist 's manager or supervisor and he has ignored all requests.
Consumer complaint received 2021-01-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This bank today unlike no day before has closed all my accounts this is horrible unreasonable unconstitutional its not fair I did nothing to them I was a loyal customer since 2016 they never had I had never given them any problems to let me go like this I was unable to login to my online banking and when I called I was treafnerfed to a dept risk which said my accounts were under pending closure review this is not fair unlike never seen before I asked for more information they would not give me a reason and said their sending a cashiers check I love Bank of America and dont appreciate them treating me like this I did nothing to them for them to shut me and my accounts like this and tell me that they dont want to do business with me anymore and that I can never have any deposit accounts with them anymore Im shocked and feel this is unreasonable to me i loved doing my banking with them but this is shocking for me to see and hear that I can not overturn this decision or open any new accounts with them now or the future totally unfair I feel Ive been discimaimted Ans their had been fraud in my name I am a victim of identity Theft
Consumer complaint received 2021-01-13
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (MD)

We brought a vehicle back in XX/XX/XXXX. Our son totaled the car months later. Insurance was paid to cover a portion of the vehicle ( ~ $ XXXX ). GAP was to pay their portion ( {$870.00} ) and we were supposed to the remaining amount ( {$270.00} ). However, my son made another payment based on the letter he received in XX/XX/XXXX informing us of the balance. That being said there were issues internally where the money from GAP did not get transferred in time and the account was charged off. As you can imagine our credit score was shredded by over 100 points. 

XXXX XXXX agreed that this was their mistake ( " we take full responsibility '' ) as of XX/XX/XXXX ( my wife 's birthday ) but has shown no urgency in making things right. I have personally been dealing with XXXX XXXX of XXXX XXXX ( dealership we purchased the car - in fact we bought 2 cars ). 

XX/XX/XXXX ( XXXX ) : In an email thread between XXXX XXXX and XXXX XXXX there was a procedure referenced that informed us the steps that would be taken to fix our credit. This is the exact verbiage - Hey XXXX, The account shows {$0.00} balance as of XX/XX/XXXX. 

Once the dispute letter is received and reviewed by the Credit Dispute group, if approved they will notify the customer and all 3 bureaus with an AUD number. The AUD number is the control number/confirmation number where a lender authorizes an edit to the customers credit report. The bureaus will then make the changes. The changes, we are told, typically take 60 90days. If a customer calls the bureau directly with their AUD number, they can request a manual update. 

Thanks, XXXX XX/XX/XXXX - We received the refund in the mail on this date. XXXX could not advise us on when we would receive this but continued to tell us he had no information yet he was emailing Hyundai Motors Finance. How does a check come to us and the people he was emailing have one in the system for us and in the mail. Yet, he could provide no details? 

XX/XX/XXXX - As of today there is no update on our credit. As mentioned above you can see the steps they were supposed to take but nobody can advise us with an update nor an AUD number. In fact, my son got a call today stating the very opposite. That Hyundai WOULD NOT be able to do anything to repair our credit.
Consumer complaint received 2021-01-13
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: EQUIFAX, INC. (NY)

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX Reported : XX/XX/2020. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AZ)

Dear CFPB Complaints, I have requested my free annual credit report from Equifax on several occasions starting from XX/XX/2020. But each time I request the report, Equifax sends a pre-written auto-response indicating that I should apply again ... 

My previous requests have included information such as my driver 's license front & back, social security card and a gas utility bill. I have attached these documents for CFPB inspection. Also note, the XXXX email account I am using with my CFPB account usually appears on my credit reports. 

Please CFPB can you tell Equifax to send my free annual credit report. 

Thank You.
Consumer complaint received 2021-01-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (TX)

Discover bank has defamed my character, reported incorrect information on my credit reports without validating the debt and garnished my wages with a faulty lawsuit. They have violated quite a few of my rights pursuant of the 15 USC 1692.
Consumer complaint received 2023-05-08
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: EQUIFAX, INC. (NY)

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 Account # XXXX XXXX5 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-13
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: TD BANK US HOLDING COMPANY (SC)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, XX/XX/XXXX and XXXX. XXXX, XXXX, XXXX XXXX XXXX  add a hard inquiry on my credit report per XXXX 
On XXXX. XXXX, XXXX and XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-01-13
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: EQUIFAX, INC. (FL)

I dont believe that two accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. 
Also, I am requesting that you stop reporting these debts to my credit or at least tell my credit reports that I am disputing the amounts and accounts. Also, please send me copies of whatever you send to my credit reports and whatever they send back to you. 

Because I dont recognize these debts, and for the ones I recognize, I dont believe I owe as much as it says I do, I am also asking that you no longer contact me by phone about them, especially because people are calling my cellphone and I dont want calls to my cellphone. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Consumer complaint received 2021-01-13
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 dont believe that two accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. 
Also, I am requesting that you stop reporting these debts to my credit or at least tell my credit reports that I am disputing the amounts and accounts. Also, please send me copies of whatever you send to my credit reports and whatever they send back to you. 

Because I dont recognize these debts, and for the ones I recognize, I dont believe I owe as much as it says I do, I am also asking that you no longer contact me by phone about them, especially because people are calling my cellphone and I dont want calls to my cellphone. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Consumer complaint received 2021-01-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (NY)

My current home mortgage is with NewRez LLC dba Shellpoint Mortgage Servicing. I've applied to refinance the mortgage with another bank in XX/XX/2020 and have been approved for a loan. 

NewRez doesn't respond to the closing lawyer 's requests to release the original stock and lease ( the property is a coop ) in order for me to close on the new loan.
Consumer complaint received 2020-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (DC)

I have been making overpayments on my Navient student loans, and as a result, I am overpaid by several months. However, Navient is saying that I'm currently behind on my payments by XXXX {$500.00}. 

I called customer service on XX/XX/XXXX to see what was going on, but they were of no help. I had to correct the rep many times because he did not accurately read my account and often mistook my account for another one. The customer rep was also providing the wrong information on the payments that I was making and what my actual monthly payment amount was. 

I asked the rep why I was delinquent, given that I made extra payments on all of my loans, and he couldn't give me an answer, but he said that he " escalated it '' and that someone will get back to me. No one ever got back to me, I've reached out to Navient two more times to no avail. 

Furthermore, Navient has increased my monthly payments from XXXX  {$230.00} to XXXX without any information or prior notice. They have done this to show that I was not making any overpayments in my account. This change was reflected in my account after I called Navient on XX/XX/XXXX to question why my account was delinquent. 

Navient has also proceeded to change my graduation date from XX/XX/XXXX to XX/XX/XXXX and have added on capitalized interest to my loans. They have added on three more months of capitalized interest to my loans by falsely claiming that I graduated three months earlier than I did. 

Currently, Navient is emailing me to make payments on my overdue account ; I will be reported to consumer reporting agencies otherwise. They have already reported me once since our last conversation. 

I am overpaid by several months and, yet, I was still reported because of my " delinquent account '' and my credit score took a hit due to Navient 's dishonest and predatory behaviors.
Consumer complaint received 2023-02-12
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)

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. Account name : 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 XXXXXXXX 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 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 2021-01-13
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)

To whom this may concern I am a victim of identity theft and would to submit this dispute in support of getting these fraudulent accounts removed from my credit report. I am in the process of home owning and this is causing much distress. I am not sure how these criminals were able to access my information to open these accounts but I would like them removed to that I do not have any issues with my future financial endeavors.
Consumer complaint received 2020-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

This company Medwest Recovery systems has since the beginning submitted false claims to all three credit agencys. Multiple times on weekly bases, that this account lbelongs to me. My problem is they submit this claim three or four times a day. With intension of driving my score lower and lower. To date they also call three are more time a day, finally to date I have know docments from this company at all. 
this is Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC (FL)

Company made a hard inquiry on my credit and i have not asked for any service from the company. Company made a hard inquiry on my credit without my authorization since i have never contacted the company or asked them for any service. Ive called the company multiple times to asked for assistance in resolving the issue but since im not a customer they can not help me. Seems like the company doesn't have any procedure to assist non customers. Credit bureau is asking for a letter form the company stating i do not have any account and that they have not inquired on my credit in order to remove the inquiry from my credit.
Consumer complaint received 2020-03-10
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)

Experian, XXXX  and XXXX  has been reporting incorrect information on my credit file that was involved in identity theft. They have several incorrect addresses, names, accounts and phone numbers. A police report has been sent to them several times and yet they continue to report incorrect information including my social security number.
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (FL)

Im unable to open any checking or saving account due to identity theft done under name due to serval data breach with XXXX XXXX XXXX, XXXX, and XXXXXXXX XXXX  I have to constantly use prepaid XXXX card which is a pain in my life. 

I never had an account with Chase, XXXX XXXX XXXX XXXX, or XXXX
Consumer complaint received 2023-02-12
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. (KY)

all of the credit reporting services are reporting false information about XXXX XXXX  and self and XXXX XXXX and XXXX XXXX they have my name listed as my fathers name because we kind of have the same name. he is a sr and i am a jr
Consumer complaint received 2021-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

I was shocked when reviewing my credit report in regards to a late payment reported for Shellpoint account # XXXX in XX/XX/2019. I am not sure what had happened. I believe all my payment to be made on time. My thought is that a statement was never received. As soon as I became aware of the issue I quickly resolved the issue and have been on time since.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XXXX  is reporting inaccurate and incomplete credit information on my Credit Report. 
I understand that mistakes happen but inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 
1. I have never been late with payments on this account. 
XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. I have never been late with payments on this account. 
XXXX XXXX  XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.