davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

I co-signed on a student loan for my daughter. Upon her graduating in XXXX  she was to start re-paying loan. She did not work right away she so deferred the loan repayment. So I was under the impression it was being taken care of. Called Navient and they said it should be fine. Come about to this year my daughter was getting her career on track and started paying her loans back except this one. I called Navient and they said I am responsible for the XXXX whole loan and all the penalties. I tried to explain the situation they said there is nothing they can do. I feel stuck with over {$28000.00} on a {$9000.00} loan. This was not my loan.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXXnsurance gave me a quote on increasing my auto insurance and they automatically applied it to my account when I noticed about 2 days later I immediately called and canceled it. The information reported is false.
Consumer complaint received 2023-09-23
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: Experian Information Solutions Inc. (PA)

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report I did not authorize this inquiry. 

XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX  Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2022-03-18
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: EQUIFAX, INC. (MI)

The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to Equifax and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following items be corrected and removed accordingly. 
XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-03-18
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: Experian Information Solutions Inc. (MI)

The following inquiries were unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Experian 's investigation. I have already addressed this issue to Experian but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed : EXPERIAN XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX EXPERIAN XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-03-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JAMES B. NUTTER & COMPANY (NJ)

Currently on XXXX XXXX. This company has failed to : 1. Assess for loss mitigation after 4 months as required by HUD0 regulations.

2. Given erroneous and false information about loss mitigation that it claims I do not qualify for. I requested documentation- it failed to provide.

3. Refuses to correct my mortgage statement address despite repeated requests to change my address on the statement that is incorrect.

4. Refuses to provide loan reinstatement amount needed to bring loan current 5. Routinely provides inaccurate bank statements reflecting incorrect loan balances 6. Failed to give proper credits for money paid. Repeatedly attempts to steal money 7. After identification of accounting errors, continues to credit for incorrect amounts 8. Refuses to provide updated loan information requested by borrower 9. Refuses to specifically breakdown charges assessed for legal fees, late fees 10. Payoff information was requested last week, said it would take 30 days to provide payoff-information on the loan.

11. Fails to change mortgage statement address to give appearance that I do not live at my home. It has known since the inception of the loan my home is owner occupied and is my primary residence.

11. Bulk of its customers are XXXX XXXX its repeated abuses are outrageous and systemic. Denial of relief programs available to qualified customers is unacceptable. It exploits and cheats XXXX customers repeatedly without consequences nor repercussions.
Consumer complaint received 2022-03-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX {$180.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2022-03-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

PHH Mortgage Services has spontaneously scheduled an illegal sale of our home on XX/XX/XXXX, in direct violation of numerous laws and regulations, while sending us no statements or other critical correspondence. 

They continue to periodically attempt to sell our home while providing no information or validation of any of their claims. Their violations continue to accumulate and remain unresolved. 

There are still unresolved Notices of Error from XX/XX/XXXX and XX/XX/XXXX. This company can not move forward with a sale while there are pending Notices of Error that have yet to be addressed and resolved. 

It is even more striking that I have not received any statements from PHH since XX/XX/XXXX, and I have not been in bankruptcy during any of this time.
Consumer complaint received 2022-03-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ORG GC GP BUYER, LLC (GA)

XXXX XXXX and its collection agency GC SERVICES have reported me to the 3 major credit bureaus for bad debt for a debt that I do not owe. I had services with XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. More than the original agreement of 2 years. I kept their services on a month to month basis and signed no added / new contract with them ever. Somehow they are trying to charge me {$170.00} for an early cancellation fee. When asked about a contract showing this, neither XXXX XXXX nor GC SERVICES can provide one and have reported me to the 3 credit bureaus as Bad Debt which is affecting my credit score and home buying process. When called and asked to remove this, GC Services claimed they could not advising that I would have to call XXXX XXXX. XXXX XXXX  advised that the debt does not belong to them and still can not provide a contract to verify an " Early Cancellation ''. Someone please help...
Consumer complaint received 2022-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NJ)

Rocket Mortgage sent me a letter they are going to disburse {$1600.00} to pay for insurance that I already paid and they do not hold in escrow. This will artificially and fraudulently look as though I am low on my account, which I'm not. They do not have an escrow account for my homeowners insurance. They have all of the documenation from the insurance company that the homeowners insurance has been paid in full. They refuse to acknowledge this in writing only over the phone. I want it in writing as well to head off and potential problems with Rocket Mortgage since they have been unethical, if not illegal, in dealings with me in the past. I am trying to head off a problem. Rocket Mortgage advised that I should submit a complaint to XXXX if I don't like it. So here it is.
Consumer complaint received 2022-12-16
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. (DE)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TX)

I accidentally closed my Chase Hyatt Business Card ending in XXXX on XX/XX/XXXX. I immediately realized I had closed the wrong card on the same day. I called Chase automatically to reinstate the card and they needed to process it. Later on, they told me they need to pull my credit report. Unfortunately, Chase had an issue with the " back-end '' system as a representative named XXXX told me so they couldn't pull my XXXX report . He needed to create a ticket to escalate it. At this point, I was concerned since the first rep had told me I had 30 days to reopen or reinstate the card. However, he decisively mentioned on the call I had 60 days to reopen it. At this point, this back end issue on Chase 's end took the next few weeks to resolve. When they finally pulled the credit, I talked to a woman who said she had done the reinstatement and they just needed a final team to confirm the balance and it should be reinstated within the week ( week ending in XX/XX/XXXX ). Yesterday on XX/XX/XXXX, I spoke to a supervisor named XXXX and they told me they could not reopen the card since it was past 30 days! Every rep I had talked to prior to him said I had a 60 day window which I am still under. This is disingenuous and false information given by Chase across this reinstatement. Especially when the length of time was due to Chase 's backend problem and none of mine. This does not fall under proper reporting and customer disclosure under the regulations and FCRA. I am asking Chase to reinstate that account to properly resolve this situation. I had talked to over 30 different reps all giving varying amounts of information.
Consumer complaint received 2022-03-18
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. (VA)

I have been in contact with each credit reporting agency since XX/XX/2022. After a few letters and a phone call to each I have decided to file this complaint. A overload of hard inquiries not authorized by me need to be removed. At no time do the companies nor the credit reporting agencies have permission to list this on my consumer report. The real fraud are the companies and credit reporting agencies not following consumer laws and taking the power from the me as the consumer. There is a invalid Bankruptcy listed that is not authorized. The agencies are in full violation of the law and I demand they abide by the consumer law as I am the consumer.
Consumer complaint received 2022-03-18
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. (NY)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.
Consumer complaint received 2019-08-08
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. (NV)

Please reverse the late payments reported on the following accounts : XXXX/XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2022-03-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (IL)

My husband received a phone call on XX/XX/XXXX asking if he could be available to receive financial legal documents for a civil case for me. He denied. The XXXX XXXX XXXX XXXX XXXX and XXXX attempted to contact him again on XX/XX/XXXX at work. 

I was first contacted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and asked if I was ( my maiden name ). I didn't admit, but asked what it was in regards to. She informed me they needed to deliver documents for a civil case, but that was all she could share unless I admitted to being the person they were trying to contact. I explained that I didn't know if she was who she claimed to be, and she hung up. 

On XX/XX/XXXX, I received another call at work. Truly concerned I answered, but again, denied my identity, because I was at work and couldn't go into that conversation near my co-workers and supervisors. I called back 30 mins later to discuss what they were alleging. I was advised that they were persuing a civil suit for {XXXX} for an account with US Bank dating back to XXXX. I denied remembering the account, and told her that it should be past the statute of limitations anyway. She denied there being a statute of limitation on this account, although in IL it's 10 years on a written contract. She claimed to have the paperwork and forms of ID on file from when the account was opened. I was threatened with a lien being placed on my vehicle and being served lawsuit paperwork. She stated that 2 letters were sent prior to the phone calls, explaining my options to clear the debt. ( I do not recall ever having received anything ). 

I told her to send the paperwork ( whatever that may be ). 

She told me " good luck in court ''.
Consumer complaint received 2022-03-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

A collection account with the amount of {$1900.00} is being reported on my credit file. This erroneous account was deleted before for being inaccurate and now has reappeared on my credit file again.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (NY)

Ive been leasing cars from XXXX back from XXXX and always had them on auto payments. My last car I leased in XXXX, XXXX. In XX/XX/XXXX, I set up an auto payment so going forward - XX/XX/XXXX, XX/XX/XXXX, etc my payments would be automatically deducted how I always had it. Suddenly XX/XX/XXXX I receive a credit monitoring alert about late XXXX payment and a huge drop in my credit score. If I wouldnt be monitoring my credit score I would never find out about it. I set up an auto payment for a reason- to set it and forget it. And I would assume if XXXX wouldn't receive a payment they would make an attempt to contact me via email/phone number. There was an obvious glitch with Hondas website system because when I found out about missed payment through the credit alert I tried to log in to my XXXX online profile but it totally disappeared and I had to add all over again with the help of Hondas customer service. Its not my fault that Hondas website had a glitch, besides that no one had a decency to contact me and let me know about the late payment they went ahead and reported me to credit bureau. I always had a perfect payment history and I had no problem making a payment. I know I set an auto payment. The minute I found out that something was missed I made a full payment. So my credit report and score should not suffer due to Hondas systems glitch, careless customer service and negligence.
Consumer complaint received 2022-03-18
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

On XX/XX/2022, TransUnion sent me information regarding the investigation results pertaining to a recent dispute with the US Department of Education, as verified and accurate, and I the consumer in fact disagree with the results. 

Under the Fair Credit Reporting Act there is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy and adopt reasonable procedures for meeting the needs for commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevance, and proper utilization of such information. 

15 USC 1681 ( e ) under FCRA INVESTIGATIVE CONSUMER REPORT If the information TransUnion investigated is accurate, I the consumer in fact demand that TransUnion provide me with the name of the person that was interviewed and all information shall not include Factual Information on a consumers credit record obtained directly from a creditor of the consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The investigation therefore is incomplete and displays unverifiable information that is inaccurate, unfair, and a violation of my consumer rights and privacy, which is a result of fraud and identity theft.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

XXXX Capital One refuses repayment plan to stop incurring past due fees// XX/XX/year> - {$100.00} payment ( {$130.00} due ) // XXXX {$280.00} account balance // XXXX {$40.00} past due fee // XXXX {$10.00} interest charges // XXXX {$40.00} past due fee ( {$53.00} due ) // XXXX {$370.00} account balance // XXXX Capital One refuses to remove or reduce late fees, or setup a payment plan, and claims the new CPB rule ( Regulation Z ) does not apply to this account ( normal major credit card - " XXXX XXXX XXXX' ) // Is the new rule applicable to my Capital One credit card accounts? I understand it should be. 
Also, is this rule retroactive, or to work on fees imposed after the bill was passed and before it was active XX/XX/year> ( today )? // Capital One stated my accounts would not qualify for the XXXX $ or 25 % maximum fees. Is this a lie? Which credit card issuers can I trust to not charge me 75 % of the monthly amount due or nearly 30 % of my total account balance in a single month in late fees? //
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received a statement today with a late fee and interest. I didn't receive the prior statement. As a long term customer I never paid late on this or other accounts. Since I didn't receive the payment and paid the prior amount due ( without interest and fees ), I would like the interest and fees reversed. 

I spoke with XXXX, a manager, ID XXXX and he refused to help.
Consumer complaint received 2022-03-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have filed a dispute in regards to the incorrect items on my report. It has been well over 30 days and I haven't received investigation results. 

XXXX XXXX XX/XX/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