davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-30
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. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2018-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (SD)

I am deeply concerned that XXXX XXXX XXXX and XXXX XXXX XXXX are implementing policies that run counter to laws and regulations passed by Congress, and they infringe and discriminate against my Second Amendment rights. 
This discriminatory behavior is unconstitutional and must stop. My decision to use a credit card in the purchase of legal firearms should not be blocked by a large corporation that disagrees with said purchases.
Consumer complaint received 2022-06-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (CA)

For over six months I have been attempting to work out a Loan Modification agreement with this company since the end of 2021. I do not believe this is a legitimate company and I feel that they intentionally engage in dishonest tactics and unfair business practices. The CFPB does exactly nothing about it, Per my attorney 's instructions, I am filing a final complaint before commencing a lawsuit. I requested a loan modification due to employment income loss from XXXX which has never returned. I couldn't afford my payments prior, and now LoanCare has made me an offer raising my FHA interest rate from 4.00 % to 5.20 %, and my monthly payment from {$1600.00} to {$1700.00}. No reasonable person would agree to this offer, therefore, I can only believe the offer was made in bad faith. Additionally, LoanCare turned my account over to collections during the review process of their loan modification process, which I believe is a violation of the Fair Credit Reporting Act. 

I have attempted to work this out with the company directly multiple times, they refuse. Therefore, since the company is aware I couldn't afford my payments previously, refused to lower may payment and APR as requested, and has assessed bogus attorney fees {$1000.00}, which I will not pay. 

If LoanCare wishes to avoid a court resolution to this matter, they can re-extend the previous offer to lower my payment and APR. If not, I will have to pursue any and all available damages in court. No part of me believes LoanCare is a legitimate business or that they executed any of their dealings with me in the past year in good faith. 

I have also applied for assistance from XXXX for funds to pay all of the back payments I owe to LoanCare. If I receive these funds, it would bring my account current with LoanCare. They would then have no basis for any of the actions they have taken against me, including foreclosure during their own modification review process. 

I would also like to reiterate the company made me a different offer previously for a lower payment and APR, so it can be done. However, because LoanCare so XXXX, the documents arrived after their expiration date, so they were invalid and I had to start the process all over again. I'm asking LoanCare in writing, one final time, to do the right thing and re-extend the previous offer, they claim expired due to their mail issues, to avoid litigation.
Consumer complaint received 2022-02-15
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)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Credit Karma (IL)

I am a member of creditkarma.com and get emails from them on a regular basis. On XX/XX/XXXX of this year I received an email urging me to check my " ID monitoring '' page. I went to the page and saw a username I use on a variety of sites displayed there ( actually 4 of the 7 letters were displayed but I knew what is was instantly ). I was upset and curious as to how they found out a username ID that I use. I did *not* authorize them to do any identity monitoring - I got this account to view my current credit score because this site is free. 
I immediately sent a message to credit karma asking how they got this information. I subsequently sent 2 or 3 followup  emails. It is now a month later and I have not heard back anything from them. The only phone number I was able to find never answers and hangs up immediately.
Consumer complaint received 2022-08-26
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. (PA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-02-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

I am submitting this compliant on my own. There is no third party involved. I have sent numerous letters to XXXX, XXXX, and Experian informing them that I am a victim of identity theft. Someone opened a credit card, medical services, and a loan under my SSN. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything i did. Im unaware of any of this. It also look like these accounts are now in collections. This is really hurting my reputation and effecting my ability to get a new job and home. I filed an FTC report. Please see attached.
Consumer complaint received 2020-07-26
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. (MI)

I have inaccurate information reporting on my credit reports. I filed dispute and it has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My first dispute was sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Capio Partners, LLC (TX)

The new collection agency called Capio Partners reported a duplicate debt on XX/XX/2022. The debt amount is {$2200.00}, they have obtained this debt from XXXX XXXX XXXX XXXX. I have disputed this debt already and it has not been corrected. So I now have on my credit report 2 collections with the Exact same amount that are duplicated from the same company. It has brought my credit report down drastically, this error has cost me so much already and need this resolved.
Consumer complaint received 2018-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paul Michael Marketing Service (NY)

I received an alert on my XXXX account from the XXXX  and XXXX  Bureau stating that I had a collection in progress from the business : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY. I was really concerned about this issue and I gave them a call on XX/XX/XXXX, XXXX. I explained to them that I never received any prior billing or statement from them, that this debt was new to me. The person I spoke to, took my information, name, address, phone number. ( I have her name for future reference. ) She asked me about receiving any notice and I told her no, that the only reason I knew about this matter was that I was notified by my XXXX account for my credit report. She explained to me that it was from the XXXX XXXX office XXXX XXXX sent to XXXX XXXX XXXX for the amount of {$340.00}, for a lab test done on XX/XX/XXXX. Apparently, the insurance was charged but the member information was inaccurate. I told her my insurance has always paid for my lab test. The lady asked me for my Insurance Id number, I gave it to her, and she explained that XXXX XXXX XXXX had a wrong digit number, that this was causing the insurance not to pay for my XXXX XXXX. She asked me to contact her in two weeks to get an update on this case, that she was going to contact the lab. ( I believe two weeks is too long, my credit is going to be affected by this and I am planning to buy a house. ) After that I called XXXX ( Doctor Office ) and informed them of what was going on, the lady said to give them a week to investigate this matter. On XX/XX/XXXX, I called the XXXX XXXX XXXX at this number ( XXXX ) XXXX, they are affiliated with XXXX XXXX, they gave me another number to connect to them directly at ( XXXX ) XXXX. I was able to speak to a lady that I also have her name, she asked me if I never received a bill from them, I stated no. She asked me for my information name, address, phone number. I asked her to give me Information about my account since I never received any bill I didn't have any account number. She said she couldn't provide me with anything because she was not able to retrieve anything from her system. I explained the situation, but she couldn't see my Insurance Id number. She asked me to take a picture of my insurance card front and back and to send it to the email she provided me with. When I tried to forward the email, it was returned as a failure because the domain email does not exist. After several attempts, I try to reach XXXX XXXX XXXX again but their voice mail keeps saying ( Due to unforeseen circumstances we are unable to answer your call right now, please leave a message. ) I would like to know what should be my next step, I don't want this to stay on my credit report since it was not my fault. Thank you so much for your time.
Consumer complaint received 2020-07-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (GA)

On XX/XX/2020 Midland Credit Management sent a pre legal no it's threatening to sue my XXXX   son. They have been sending pre-legal letters for the past seven months and threatening to withhold his social supplemental income check. 

Midland credit management is aware that people receiving social supplemental income is judgement proof, however that has not stopped them from threatening to sue my XXXX, XXXX son. 

This has caused for him to relapse in his mental progress as his XXXX and XXXX has gotten worse. However, Midland Credit Management does not care and have been putting pressure on our entire family. Midland Credit Management has already sued me, his mother, now they are threatening to sue my XXXX, XXXX son.
Consumer complaint received 2018-04-13
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC (TX)

I have been approved on a forbearance plan through my home mortgage. When I applied on another loan, my credit report showed I was delinquent for three months on my mortgage. To clear this account, I paid the three months forbearance plan but it did not clear on the credit report, thus making my credit score low.
Consumer complaint received 2018-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TX)

I attended XXXX XXXX college back in XX/XX/XXXX-XX/XX/XXXX. I had a student loan with sale mea that was sold to, two different companies. one XXXX and the other Navient. I never had my GED when I attended XXXX XXXX   college and was not able to benefit from degree- I submitted paperwork to both loans ( ability to benefit ) will all required documentation I was told. I submitted application/GED/GED scores/final grads transcripts from XXXX XXXX college. XXXX accepted these quickly and approved the application and is now pending with department of education FASA. Navient on the other had, is the one who told me to attach these documents and now is trying everything in their power to decline my application. first the said I had to correct last name, so I did, then they told me to resubmit application because I did not have a references on it, so I did. Now they stated I need to submit an agreement from school. The college I went to is no longer, has be cut off by government funds so they filed bankruptcy and shut their doors due to corrupt actions. I can not get this paperwork, on the gov department website it stated to show proof of GED and Transcripts and application which I did. when I call them they will not put me on the phone with the correct people, when I ask for supervisor they hang up. I told them I would put in a complaint due to them not wanting to process my paperwork and they hung up on me. I don't know what to do if I loan approved and this loan will not- it is all from the same school. I can not get anyone from that loan to answer my questions, they refuse to process application and eat time I submit what they ask they come back with another and another, information school would have that no longer exists. please help.
Consumer complaint received 2023-03-25
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: ALLY FINANCIAL INC. (OH)

I am writing to request the removal of the unauthorized credit inquiries on my credit report. My credit report shows XXXX credit inquiries from Ally Financial XXXX and XXXX that I did not authorize.
Consumer complaint received 2022-02-15
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. (CA)

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Experian. Besides, the inaccurate information about my account is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$93.00}
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

CAPITAL ONE Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXXCAPITAL ONE Business Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$2400.00}. CAPITAL ONE Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1800.00}. These account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on these account. I have requested on numerous occasions the proof of the charge off and update the balance to {$0.00} or delete the negative payment status on these accounts.
Consumer complaint received 2020-12-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (MN)

Planet Home Lending LLC My complaint is that is company is dirty and in dereliction of duty. They are trash and they should not be in charge of the life investment a home is to Americans. Enough of these shady grifters.

This company is not able to process anything or keep any records coherent. They lack the coordination, the infrastructure and reputation to be a lender to anyone.

Their internal systems are a disaster, their company website has many security issues as well as link jackers. They have no unified number, and send no physical or digital correspondence. I had no clue who they were until I talked to three different originators. They are charging me for a month they said I did not owe because they have no paperwork with anything. 
They are a shoe-in for cyber attacks and their terrible systems will result in another data breach. This is negligent, and they refused to give me the regulatory agency they report to. They refused to give me any serviceable address for them as well.

The fact my VA loan can get handed to 3 different companies without my knowledge is bad. The fact Planet Home Lending is a lender is outrageous. Im filing a complaint with the VA and I am pushing for a 3rd party security audit for their systems.

They are on record accepting bribes and grifting money from Americans. They should not be allowed to lend to anyone. They are unorganized loan sharks. How are these people allowed to handle a VA Loan? This is a disgrace.
Consumer complaint received 2020-07-25
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. (NC)

I WAS REFERRED TO YOUR AMAZING CONSUMER PROTECTION AGENCY BY MY DEAR AND VERY GOOD FRIENDS FROMTHE UNITED STATES SENATOR 'S OFFICE AND THE FEDERAL TRADE COMMISSION OFFICE.I'AM A VICTIM OF IDENTITY THEFT AND ALL OF MY IDENTITY WAS STOLEN AND FRAUDULENTLY USED TO OPEN UP FRAUDULENT ACCOUNTS IN MY NAME WITHOUT ME KNOWING.I'AM STUDING FOR MY XXXX XXXX IN XXXX AND I'AM TRYING TO PURCHASE MY FIRST NEW HOME AND I CAN'T DUE TO THIS HORRIFIC INCIDENT.I HAD AN XXXX CREDIT SCORE BEFORE ALL OF THIS HORRIBLE SITUATION HAPPENED.I JUST WANT MY WANT ALL OF MY DAMAGED CREDIT REPORTS FROM ALL THREE BUREAU 'S CLEAR AND BACK TO MY XXXX EXCELLENT CREDIT SCORE.ALSO I WANT AN REFUND OF THE MONEY THAT I PAID FOR AN CREDIT REPAIR AGENCY TO RESTORE MY DAMAGED CREDIT WHICH IS XXXX   XXXXTHANKYOU AND GODBLESS YOU AND YOUR WONDERFUL STAFF ALWAYS.SINCERELY, XXXX XXXX.
Consumer complaint received 2022-06-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (ME)

There is not assistance with this company. They tell you that you are a preferred customer. I called to get help making payments, I am currently unable to make payments. There is no deferment, there is no forbearance, there is no help at all. I have been even trying to refinance or consolidate with another company, but I am having zero luck. I called even spoke with a supervisor. Basically I was told there is nothing they can do. I was advised that they do not report to credit bureau until 3rd missed payment so If I can make smaller payments to add up to one months payment, it would set it back. How on earth is that suppose to be be of any help. They offered no help. no guidance pretty much leaving you screwed. Even during covid- there was nothing. It keeps increasing, racking up higher and higher with interest. I can not even find any company to refi with. I am trying to get out of this company. They are not helpful, no guidance no forgiveness. I have tried multiple times to talk to someone and get some help or guidance. All I get is that I am sorry we have changed our guidelines and can not help you. I am currently trying to seek some assistance elsewhere, I may even contact Legal assistance for help- Public maine legal assistance. I do not know where else to turn. It is affecting my life tremendously.
Consumer complaint received 2022-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MA)

I have called three times to request a refund of my student loan payments made during the Covid 19 payment pause. I requested ~ {$6000.00} back on XX/XX/2022 and was told 4-6 weeks. Called back after 6 weeks and was told 6-8 weeks. I have still yet to see a change in my student loan balance updated on their website as of XX/XX/2022.
Consumer complaint received 2020-07-25
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. (TX)

FTC Violations Name is not correct : XXXX, XXXX, XXXX Never lived at following addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Never worked here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX   {$20000.00} XXXX XXXX {$1700.00} XXXX XXXX {$13000.00}
Consumer complaint received 2018-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (NY)

Equifax is reporting two addresses I never lived at and would like removed from my file. XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX I never lived at and XXXX XXXX XXXX XXXX XXXX New York XXXX
Consumer complaint received 2022-02-15
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. (CA)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!