davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-30
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 — Their investigation did not fix an error on your report
Company: SLM CORPORATION (MI)

As of XX/XX/2019, my claim of fraudulent loan was addressed and resolved. 
I was finally removed from the fraudulent account and XXXX XXXX blocked access the account online. Finally. 
However, on XX/XX/2019, I received a notification from XXXX XXXX. XXXX XXXX added the fraudulent account back to my report. 
XXXX XXXX unresolved what was resolved. 
Why was I added back into account?
Consumer complaint received 2022-08-29
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: Resurgent Capital Services L.P. (GA)

I CONTACTED ALL THESE COMPANIES BUT NO RESOLUTION AND EVEN DISPUTED WITH ALL CREDIT BUREAU. STILL REMAIN ON MY CREDIT. I WAS TOLD TO FILED SO I CAN GET HELP. 

XXXX / XXXX XX/XX/XXXX. {$340.00} XXXX XXXX XXXX XX/XX/XXXX. {$1200.00} XXXX XXXX. XX/XX/XXXX {$13000.00} LVNV FUNDING LLC XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$2200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX {$4800.00} RESURGENT XXXX XXXX/ LVNV XX/XX/XXXX {$650.00} XXXX XXXX XXXX XX/XX/XXXX {$260.00} XXXX XXXX XX/XX/XXXX. {$610.00} INQUIRIES THAT WAS ALSO AFFECTED ON MY CREDIT REPORT XXXX XXXX ( MISCELLANEOUS ) XX/XX/XXXX XXXX XXXX ( MISCELLANEOUS ) XXXX XXXX XXXX ( BANK ) XXXX XXXX XXXXXXXX XXXX XXXX BANK ) XXXX XXXX XXXXXXXX XXXX XXXX FINANCE ) XX/XX/XXXXXXXX XXXX  / XXXX XXXX ( FINANCE ) XXXX XXXXXXXX XXXX XXXX  ( BANK ) XXXX XXXX, XXXX XXXX XXXX  HOTEL AND TRAVEL ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( BANK ) XX/XX/XXXX XXXX XXXX XXXX BANK ( FINANCE ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( FINANCE ) XXXX. XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX ( BANK ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KY)

Since XX/XX/2018 I have disputed the same inaccuracies on my credit report with all 3 bureau 's and Equifax right now seems to be the one not doing their job and following the laws. I spoke to a manager yesterday named XXXX who I reached out to because it had been yet another 30 days since I sent in my XXXX, 2018 disputes and I had not received any communication back from them and even when I called yesterday their automated system said my stuff was still under investigation. Yesterday when I spoke to XXXX she said none of my stuff was in dispute it had all been closed and merchants just replied verified. Although I told her the other 2 bureau 's had already removed the items I disputed with them as well XXXX XXXX repeatedly told me that there was nothing she could do, she couldn't change or delete anything and all she could do was continuously initiate another dispute. I know this is a lie they have removed a ton of people 's inaccuracies every day. I felt like XXXX did not want to do her job. I asked her how did the merchants provide or what proof dis they provide to show that anything was actual and factual and she said the merchants did not say how things were factual and that Equifax does not make them submit that info. I told her it is her job to make sure they are reporting accurately and not falsely because anything else is defamation and she still kept saying the same thing. Time is up I have given them months to correct these errors and inaccuracies to no avail.
Consumer complaint received 2019-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (GA)

I have a loan with NAVY FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and NAVY FCU with no successful resolution. XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Security Credit Services, LLC (MD)

I just found that Security Credit Services has posted a collection item under my account for {$2500.00}. I have never had any transaction with this company nor any other Company that may be linked to this company since I do not owe any company that amount of money. I am demanding for an immediate investigation and removal of this collection item from my account as soon as possible.
Consumer complaint received 2019-01-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC. (GA)

The inquiry was made on XX/XX/17. The loan amount was {$4900.00} at a interest rate of 58.65 %. I was coming out of a divorce trying to make ends meet. I have called several times trying to get refinance or even a settlement option. Everyone that i spoke to gave me and answer saying that don't know those options or the system will tell us when your eligible. I have been paying on the this loan for over a year and still owe {$4000.00}.
Consumer complaint received 2019-01-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION (MD)

We were in the modification process with XXXX XXXX  when it was sold to M & T Bank in XXXX of XXXX. The modification process continued with M & T Bank via XXXX XXXX XXXX. It took M & T Bank/XXXX XXXX XXXX an extreme amount of time to process this modification. The modification was completed on XXXX XXXX. The closing cost was {$14000.00}. The was no detailed breakdown of the closing cost given. The costs were identified as interest, costs an expenses. On XXXX XXXX a late fee refund of {$620.00} was returned to us. We called an wrote to M & T Bank & XXXX but could not get the details needed to explain what we were charged for processing this loan. 
A second modification was processed with M & T Bank/XXXX XXXX XXXX on XXXX XXXX. The closing costs for this modification totaled {$11000.00}. We had the exact same problem of not obtaining details of the closing costs of this loan. On XXXX XXXX, due to a " M & T quality review '', {$3100.00} and {$380.00} was returned to us due to an overestimation of fees and costs.Still, M & T Bank & XXXX refused to give us detailed information in reference to the closing of this modification. 
In XX/XX/XXXX, we filed a complaint with XXXX XXXX to get closing cost details of both modifications ( Case # XXXX ). XXXX XXXX could not obtain details of the closing costs. 
All settlement companies that I have ever delt with, supplied details of the closing costs. We have been trying for years to obtain this simple information. 
I suspect that the costs of the first loan were also overestimated. How would I ever know without M & T Bank & XXXX reveling the details of both loans?
Consumer complaint received 2019-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (NY)

I was contact via mail by Resurgent Financial Services in regards to a debt. collection that had a judgement placed on it in XX/XX/XXXX. It was decided that the judgement was to be vacated, because the summons was improperly served. 
Because of the improper service as well as the fact that the debt had reached beyond the statue of limitations, the judgement was vacated and dismissed by the court on XX/XX/XXXX. 
When I received the letter from Resurgent informing me that they were attempting to collect on this judgement that was no longer valid. I responded well within the 30 day time frame that the debt was no longer valid and included copies of the judgement that was dismissed, to verify that it was no longer considered valid. 
I asked them to no longer contact me in regards to this and mailed the letter as well as all corroborating documents, they were mailed certified mail to both address they have listed. 
I do not wish for this matter to go on any further than it already has, I will be sending them yet another letter requesting they stop trying to collect on a debt that is no longer valid, and that their actions in regards to further trying to collect this debt has been reported here. Apparently since they have not chosen to comply with the original request, despite validating that the debt/judgement is no longer valid, I am sure that they will continue to harass me in regards to this matter.
Consumer complaint received 2019-01-29
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. (GA)

Credit reporting agencies had been reporting erroneously collection accounts and accounts that do not belong to me, I have requested these companies ( collection agencies ) to verified and or validate the origin of this debt and all of this companies ( collection agencies ) had responded to my CFPB complaint that they don't have this accounts with them, therefor this is inaccurate reporting from credit reporting agencies.

I'm requesting for this accounts to be removed from my consumer credit file immediately, as they are in violation of the FCRA section 609 ( b ) .Information place on a consumer credit file must be 100 % verifiable and accurate.

Please send me an updated copy of my credit report with these correction made and remove my name from all pre-screening offerts.
Consumer complaint received 2023-08-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (GA)

The company has sued me but I dont have any paperwork and there is no collections. I am getting calls from attorneys telling me that they did this. 

I called the company and told them there was identity fraud in a business account. 

They did not want to work with me. 

They have left no messages on my voice mail and this isnt in collections. 

They are using unfair practices to collect debt. 

The last letter I have from them is in XXXX and its from Mariner. 
I called and the branch manager refused to help.
Consumer complaint received 2019-01-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

My original mortgage at closing was about {$1800.00} I paid this amount for one ( 1 ) year. This included insurance and property taxes.

In XX/XX/XXXX, I received a shock! The mortgage company neglected to put in the MUD taxes in the note resulting in a $ XX/XX/XXXX increase in payments. This was a deceptive practice because being a retired police officer, I would not have purchased this home. I called everyone to ask why wasn't this amount put into the closing documents when my payment was estimated. No one knows the answer. It seems that I'm in this municipal district in addition to my property taxes. How in the world can that happen. anyway in order not to lose my home, I borrowed the money off my credit card and paid the taxes on the house directly. I then asked the mortgage company to adjust my escrow for this year.

Now they are threatening me with foreclosure. When I sent in my payment of {$1800.00}, they applied it to the escrow without my permission. I have sent the mortgage payment the same way for the past year but in order to continue this unfair tactic, they applied it to escrow. I guess they make a lot of money off interest in escrow. Now they want {$4000.00} f0r the mortgage payment. I need them to adjust the escrow so I can pay the mortgage.
Consumer complaint received 2019-01-29
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. (GA)

The credit agencies are reporting an account that do not belong to me on my credit file. I have disputed this account with them several times. I have also provided them with a FTC Identity Theft form and they still refused to remove this account from my credit file. Please assist me in getting this matter resolved. 

Fraud Account : XXXX XXXX/XXXX XXXX There are also unauthorized inquiries showing on my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (PA)

EXPERIAN. XXXX XXXX Acct number : XXXX XXXX N accordance with fair credit regarding act convergence to those account has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C section 602 A section 2 : its also states a consumer reporting agency can not furnish a account without my instructions They put a middle name on my name. I dont have a middle name and they refuse to remove it
Consumer complaint received 2018-04-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NC)

XX/XX/2010 Wells Fargo approached my wife with new mortgage opportunity " because of the new interest rate environment '' that Wells Fargo would lower our monthly payments without requiring closing cost or hidden fees. This process could be done without a formal closing only at resident close. They failed to disclosed that the terms would be changed. An extreme change that should have been highlighted.This meant that the 13 years paid on mortgage would terminate and new 30 years mortgage would succeed. Certainly I signed the papers but the disclosure of terms were muted in writing & verbal exclamation. My realization did not present itself until after I read of the deceptive practices of Wells Fargo in it's promotional aspects to resign customers to miss leading services.Obviously, a longer term mortgage in itself would create better payments even beyond lowering of market interest rate. I believe this process was deceptive and was slanted toward benefiting Wells Fargo verus a equal benefit me the consumer. The very public knowledge of lowering of interest during this time period validated the possible incentive to me the consumer, but the end results of a longer mortgage that rewarded Wells Fargo was the goal.
Consumer complaint received 2022-09-01
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)

I have contacted the credit bureaus to asked them to do a good review of my credit reports to make sure all reporting to my credit is actually good, they did that, but i did research after they said they did and i found things that are not consistent and also things that does not belong to me. 
Account numbers XXXX, XXXX, XXXX, XXXX in accordance with the fair credit reporting act XXXX  the account numbers listed have violated my right 15.u.sc1681 section 602A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. I also read on a online information by a lawyer said the credit reporting agency have 30 days to respond or the accounts must be deleted from my credit report.
Consumer complaint received 2022-08-29
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)

Again, I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please BLOCK the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report and the Police Report that I have filed on my local police department. This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. This has been my innumerable attempts to notify you that. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$71000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$19000.00}
Consumer complaint received 2022-08-29
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)

Again, I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please BLOCK the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report and the Police Report that I have filed on my local police department. This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. This has been my innumerable attempts to notify you that. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$71000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$19000.00}
Consumer complaint received 2022-09-01
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. (MN)

In accordance with the Fair Credit Reporting Act Equifax XXXX : XXXX XXXX XXXX, Account : XXXX, Creditor : XXXX XXXX XXXX XXXXXXXX, Account : XXXX has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option
Consumer complaint received 2022-09-01
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: Early Warning Services, LLC (OK)

I contacted Early Warning Services, a consumer reporting agency as defined by FCRA, and they refused to allow or enter a FREEZE on my files and/or reports falsely saying they are exempt. They are not exempt. 
I have entered a dispute as they are reporting FALSE information and refuse to not allow such to be reported until such time as it is fully verified. 

A consumer is permitted under the law to request a security freeze. A security freeze protects consumers from abuse or identity thefts.
Consumer complaint received 2022-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (MD)

I wrote an email and provided the mortgage company CMG financial with receipts showing that I finished my basement for the purposes of having a appraiser come and appraise my home so that the PMI could be removed the lender stated the receipts I provided doesnt qualify as finishing a basement.
Consumer complaint received 2020-09-15
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: Experian Information Solutions Inc. (GA)

Old deleted identity theft account that was on my previous credit report, has reappeared as a new collection. This is illegal as the stated account is not mine, and it should not be sold to a new lender as new debt.
Consumer complaint received 2018-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST NATIONAL BANK OF OMAHA (NY)

This company had me on a payment plan for a year were they took out the money directly from my bank account after the year the bills was paid in. After a month past they started calling saying Im late I asked how could that be when you were taking the money out of my account the rep said she was gon na look into it and get back to me that never happened and the bills kept coming.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

My student loans are still reporting with a balance and it should be reporting XXXX. They update my credit on the XXXX of XXXX saying I have a balance when in reality it showed that my balance is XXXX in their side. 

I reached out to them asking why they report that I still have a balance, and they said it does not show any balance. 

They also said that they update reports at the end of each month and sent me a letter stating it was paid. I sent this letter to the credit bureau disputing the current balances being reported, and they verified it as accurate. Why are they reporting that information was verified and it wasnt. If it was verified theyd report the loan as XXXX.