davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-25
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. (TX)

Equifax ; XXXX and XXXX are reporting incorrectly unpaid student loan collections for DP OF EDUC and DIRECT LOANS partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages 10, 11, and 12 of the attached credit report. I have also attached a spreadsheet with the account numbers and balances reporting on the collections. ) There was a garnishment for over {$8000.00} on my tax return for collection of these student loans. I originally came to a settlement agreement with the Department of Education for {$1900.00}. I was not aware of any garnishment proceeding until I filed my taxes. I received confirmation from the I.R.S. that this garnishment was from XXXX. I contacted the Department of Education on multiple occasions only to be told that a garnishment was never initiated from them. The fact remains that I was garnished and no one can confirm to me who filed this garnishment even though the I.R.S. said it was from XXXX. I have not been able to speak to anyone further with the Department of Education that can provide me with more information. They are denying they ever garnished my wages. There has been no further communication with me regarding where this money has gone. This incorrect reporting is harming my credit score. Please remove this line item from my credit report.
Consumer complaint received 2016-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have a Bank of America home loan that was supposed to close on XXXX XXXX 2016, and that date was guaranteed by BOA 's " Close on Time '' guarantee. The guarantee states that BOA will pay {$500.00} if they fail to meet the closing date. The Loan Officer at BOA ( XXXX XXXX ) dropped the ball along the way, and as a result, BOA failed to meet the closing date ( though he never explained exactly what he did to cause the delay ). I have the email from XXXX XXXX notifying the title company and the seller 's real estate agent that BOA would not be able to meet the guaranteed closing date. His exact words were, " I am so sorry but at this time, the closing can not happen on Friday. XXXX is aware of the situation and we are remedying what needs to be fixed. To make it clear, he is not at fault, we are. '' Despite this clear admission of fault, BOA decided not to pay the guarantee. 
Even more perplexing is the reason that BOA gave for not honoring the guarantee. They determined " the delay was due to the seller delaying the closing as he/she/they were out of town and required a mail-out ''. But BOA has the events completely backward. The seller was in town on XXXX XXXX ( the original closing date ) and available to meet at the title company to sign the documents. The seller moved from XXXX to XXXX the day after the scheduled closing date ( XXXX/XXXX/16 ) and only required a mail out of the documents because BOA pushed the closing date back a week ( to XXXX/XXXX/16 ). Had BOA met the guaranteed closing date, the seller would not have required a mail out. 
I explained this to the Loan Officer, XXXX XXXX, and he appealed the decision, but the appeal was denied. I then contacted his Supervisor, XXXX XXXX, who examined my file and indicated that he had identified the source of the misunderstanding. He assured me that he would resubmitted my claim and was confident that I would receive a satisfactory result. That was in XX/XX/XXXX and I never heard back from him. I have since attempted to contact him via email and left voice mails but have received no response. 
Both XXXX XXXX and XXXX XXXX declined to provide me with the name of the department that handles these decisions. So, with no other means of recourse, I am hoping that filing a complaint will result in BOA honoring their guarantee by paying me the {$500.00} I am due.
Consumer complaint received 2023-09-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc. (NJ)

I was contacted Via phone by this company and they tried to extract personal information from me but didnt disclose they were doing so to collect a debt. When I asked if they were a debt collector they said were IC Systems and when I kept asking they kept repeating the same answer. Debt collectors are supposed to tell you they are calling in attempt to collect a debt. They wanted all my personal information and didnt disclose they were trying to collect a debt. They need to disclose theyre a debt collector before they talk to you.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am trying to obtain business credit for my company I have started however, when I tried they told me I have derogatory items that I have since started disputing these items as of XX/XX/2021. I have received a few random notifications since but nothing really addressing the issues of my report or even verifications of items! Because of this, I disputed again on XX/XX/2021, XX/XX/2021 and as recently as XX/XX/2021. I am still waiting on responses from either the bureaus or creditors to update me and let me know what they are doing, or if they're even investigating my disputes!
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (VA)

In violation of the Fair Credit Reporting Act ( FCRA ) Experian gave itself the right to edit my requested personal statement to reflect Experians own personal biased and retaliatory Statement to cause me more imminent irreparable damages. I attached two photos from a related legal file to be used in court of law. The two photos show the above undeniable fact about Experian violation of the FCRA .today isXX/XX/2019, Experian not only is taking over 30 days or about a month and half to delete the wrong already disputed before collection about the same thing alleged over and over by XXXX and/or XXXX hired collection companies within Experian who deleted that alleged thing before and in many times, but now Experian is engaging now in clear fraud against my information by stating information that does not represent me and I never consent to it. I challenge Experian to bring one single convincing evidence that the statement appearing on my credit report with Experian as shown on the photos is my statement exactly as I requested. 


Experian stop your fraudulent transactions against my information. You will be sued and rights reserved to Do so at any time without notice until you receive a summon. 



All stated herein is to the complainant current states belief, knowledge and understanding and it is all subject to anything or any change or any correction by him only at any time without any notice and without waiving his rights. 



Thank you, XX/XX/2019 The complainant
Consumer complaint received 2019-06-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: URS Holding, LLC (NY)

For the past two years the department of education has seized my tax refund for a total of over {$10000.00} towards my student loans leaving me homeless with a small child each time. First it happened in XXXX XXXX and now that I'm back home in XXXX, a city I left because I can't afford it, my mother 's eviction wasn't sufficient for me to get MY refund so I could move again. She was who I was staying with after I faced eviction from the last time my student loans being in default resulted in my tax refund being offset. 

I attempted to make an arrangement with Alltran to pay $ XXXX/mo to get out of default and they approved this aggreement for a month and then called me and said I needed three non family references, their phone numbers and addresses in order to be eligible for the default resolution program. After approving it and taking the first payment they said I was ineligible. I've asked Alltran for the transcript.
Consumer complaint received 2019-06-25
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. (MO)

XXXX removed the XXXX / XXXX  XXXX account but it still shows on XXXX and Experian and should be removed in full! This is a violation of the fcra and who ever does not remove the account will be sued in court
Consumer complaint received 2020-02-08
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: AES/PHEAA (CA)

US DEPT OF EDUCATION/XX/XX/XXXX .. XX/XX/XXXX = Closed .. Balance = {$0.00} .. Monthly payment = {$0.00} ... Current Payment Status = 120 DAYS LATE ... .. I began serious work on my credit file in XXXX. My first step was to consolidate my student loans. The Dept of Ed happily closed all of my accounts and transferred the balances to a single FedLoan Servicing account. After much work, I brought my scores up into the mid and high 600 's by XX/XX/XXXX ... I was preparing for the day my mother passed away and HUD foreclosed on the reverse mortgage, also known as my family 's home. My mother passed on XX/XX/XXXX. Foreclosure was set to began 6 months later ( the first week of XX/XX/XXXX ) ... I wasn't prepared for the amount of points I lost when my mothers accounts were removed from my credit files. I frantically pushed my numbers as fast and as far as I could until late XXXX. I then began the process of purchasing a place for us to live, knowing my options would be limited but time was quickly running out. I finally found a lender that would accept me and just as we were about to sign, during the first week in XXXX, the entry shown above posted at the bureaus ... I lost an average of 63 points and with it any chance of securing the loan I desperately need before HUD lays claim to our home ... I had successfully disputed this account last year. The notation was removed and the status was changed. It reappeared, again. ... This entry has destroyed my life. I see now that it has refreshed at the beginning of the year every year since the account was closed. I have been permanently marked delinquent. Lenders laugh at me ... Reporting an account that has a {$0.00} balance as late is beyond  irresponsible in this arena. The bureaus should have questioned this entry automatically instead of blindly letting it stand, so I blame them too.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This letter is an official complaint that the credit information you are reporting is wrong and missing parts.

Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act says that you must physically check any signed customer contracts before putting them on a credit report. This is for all accounts that you put on a credit report. If not, anyone who pays you for your reporting services could send in a fake account by fax, mail, or email.
Consumer complaint received 2023-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (NJ)

Received a notification via XXXX that my credit score went down. Looked into the issue and saw that a debt collection had been added to my account from SEQUIUM ASSET SOLUTION ( original creditor : XXXX XXXX ). 

The notification indicates that I supposedly owe {$7500.00} to the debt collection agency. The date the account was opened was XX/XX/2023 on account number XXXX. I have never used XXXX XXXX XXXX and never received any information about this supposed debt aside from the notification from XXXX. 

I disputed this debt collection via XXXX and nothing was resolved. I will be attempting to file this dispute directly through XXXX XXXX.
Consumer complaint received 2019-04-19
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)

I applied for an XXXX account last week. I denied so I wanted to know why I was denied. I called XXXX 's customer service to try and get some sort of explanation on why I was denied but they didn't tell me much. So I went home and checked my credit report. After doing so I see a couple items on my report that are not mine. Im doing this on my own behalf and I also contact my local police and the FTC as advised.These items are not mine and need to be deleted from my report. I'm working on my own behalf. XXXX, XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX. XXXX XXXX
Consumer complaint received 2018-01-14
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. (FL)

In XXXX 2018 I received an alert from my credit monitoring app that my XXXX student loans was 2 mths past due. I immediately called XXXX and Notified them of the report. They said that was an error and their part and that the two loan amount were n't allocated properly. They promised they would notify the creditors. A week later it was reported that indeed the accounts were in good standing and never paid late. On XX/XX/XXXX I received another alert from my monitoring app that my student loan was 30 days past due. I have never paid late and they have continued to cash the checks I send every month. This has affected my credit score in the worst possible way. My score has dropped 70 pts which is crippling my ability to obtain any loans
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2019-06-25
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TMX Finance LLC (GA)

On XX/XX/2019 I went to TitleMax to obtain a loan o {$4000.00} after signing all paperwork I was unable to go to the bank to deposit the check so I decided to use my mobile deposit app with XXXX XXXX at first. I kept getting an error message stating that XXXX XXXX doesn't accept a deposit larger than {$1000.00} on the app so I decided to use my XXXX  XXXX XXXX app which accepted up to {$10000.00}. Later on that evening I got an email from XXXX  stating the deposit was accepted of course I was amazed because the check was already accepted with XXXX XXXX XXXX. I called both banks in the morning to find out how this happened and what to do from there. XXXX  XXXX XXXX stated that the check will be on hold for XXXX business day until title max 's bank credit my account with the funds. XXXX XXXX  stated the same I had to wait to see which bank will be credited the funds and the other bank will be canceled out. On XX/XX/XXXX Funds was released to XXXX XXXX XXXX. Then 11 days later funds was taken back and I didn't know why. I was on the phone with XXXX XXXX XXXX and they stated that title max never credited my account. I went back and forth with the banks and title max to retrieve the funds and they both are blaming each other I know for a fact that {$4000.00} can't just disappear and nobody knows where the funds went. Title Max stated it was no longer in their hands and it was a banking issue. So now at this point not only nobody is helping me and {$4000.00} disappear I owe title max the money and everyday they are charging me interest and I just want to get this resolve and get my title for my car back. PLEASE HELP.
Consumer complaint received 2019-06-25
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: CL Holdings LLC (TX)

Jefferson Capital bought XXXX XXXX bought XXXX XXXX, And XXXX XXXX already removed the accounts from my credit file, because they were past the statue of limitation. XXXX will not remove the accounts ; they do not even own the accounts, anymore, so they are being reported, twice, including with XXXX XXXX and should not have been reported, when acquired, due to the statue of limitation. Jefferson claims a payment was made, around the 8th year from the account being opened ; they can not provide proof of payment. I NEVER made a payment, so the delinquency date is incorrect. These accounts NEED to be removed from my credit reports. Most of them were opened in 2006, and a payment has never been made. They are private loans and are being treated as Federal, also.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

U have been disputing this item for over a year this is not my account removed this tradeline immediately it is affecting my credit score and I cant take out a mortgage if this is still on my credit..you guys sent me a letter saying it was deemed fraudulent so please remove this off my credit report I can sue for damages for inaccurate reporting by federal law you have 30 days to investigate this
Consumer complaint received 2019-06-25
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. (GA)

I use XXXX XXXX to monitor my credit scores. The Equifax score is reporting a hard inquiry from " XXXX - XXXX XXXX XXXX XXXX '' on XX/XX/XXXX. I did not have a credit check done at this time and believe this is fraudulent. 

Additionally, I have two hard inquires from companies " XXXX XXXX XXXX '' on XX/XX/XXXX and from XXXX on XX/XX/XXXX. Both of these inquires were from when I was inquiring about a mortgage. They were from two different institutions, XXXX XXXX   and XXXX XXXX ; however, they were inquiring about the same thing, a home loan. On Equifax 's own website, they state " Multiple hard inquiries within a certain time period for a home or auto loan are generally counted as one inquiry. '' Considering they are within a week of one another, and resulted in a single loan, they should really be counted as a single inquiry. 

Finally, there is a hard inquiry from XXXX XXXX XXXX on XX/XX/XXXX. I did begin services with this company then ; however, I was not informed it would be a hard inquiry and was under the impression that utility service inquires were soft. This seems particularly ridiculous when people frequently move from house to house and have to set up new utilities throughout their lives.
Consumer complaint received 2024-03-04
Product: Credit reporting 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 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, has violated my rights. 15 U.S.C 1681 section 602 A. States I right the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-06-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Wrongful Wells Fargo Forclosure. We feel like we did everything according to Wells Fargo and they DID NOT HELP! They kicked us out After we payed them ALOT of money. Could not talk to anyone in person at the Bank. The person assigned to our case was NEVER THERE TO TALK TO. And nobody else would help us. We even borrowed from our Retirement Accounts.
Consumer complaint received 2020-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have been making extra payments to my mortgage company, ( Specialized Loan Servicing LLC ) but the mortgage company has not applied these payments to my principal. My mortgage is {$360.00} a month. I have been making a {$400.00} payment twice a month. The mortgage company has applied the balance of {$35.00} from my first payment to principal, my second payment has not been applied to principal and has been applied to future payments. The loan company reports that I am paid till XX/XX/2021. I have asked them to apply the extra payments to principal, but they refuse. They state that I needed to inform them that I wished for my extra payments to be applied to principal. When I purchased my loan, the original company explained to me that all extra payments would be applied to principal, the loan has since been sold to another company. I feel this company has chosen to apply funds in a way that is favorable to them, in that it yields the most interest. They have agreed to change 3 months worth of payments, I told them that was not enough, and that I was requesting they pay down my interest and recalculate my loan. Is there anything the CFPB can do to help me?
Consumer complaint received 2018-06-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ECMC GROUP, INC. (AZ)

Was ill for many years. 
taxes were filed again me originally in the State of XXXX since XX/XX/XXXX State of XXXX  sold rights off to this account to a collection agent to date in XX/XX/XXXX ; this collection agency has taken payments each month in the amount of {$1800.00} per month for 9 payments.
Consumer complaint received 2017-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (PA)

I called to report a card lost. The agent closed my account instead, without my authorization. In the time since, I have received multiple mixed messages. I was told that my account was close due to fail to reissue, that my account was closed because I closed it, and that my account was n't closed and I would get a new card i  n 48 hours.
I just got off the phone with a diferent manager and was told that the ban    XXXX   decided to close my card effective  XXXX  and that would not be reissued a new card.     I have been a customer with Citibank since   XXXX  . The multiple mixed messages, poor communication skills of the customer service representatives, and the arbitrary nature of detemining whether to reissue a card is unacceptable.