davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (GA)

On XX/XX/2019 I received notice from PHEAA Fedloan Service ( via my online account inbox ) that I must began paying my student loans effective XX/XX/2019. I submitted to PHEAA via their online complaint there is an error that my summer school began on XX/XX/2019. I uploaded a copy of my course enrollment receipt indicating the student loan amount for summer school. They refuse to accept the information stating they had already checked the federal data base which indicated I was not an enrolled student. Within my online PHEAA account lists my last student loan amount of {$3800.00} which was disbursed to me on XX/XX/2019. That is confirmation that I am a current enrolled student coming PHEAA 's information regarding my student status. PHEAA still refuse to make the corrections removing me from being in delinquent. I have proof.
Consumer complaint received 2015-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I am disputing Bank Of America 's reply to my last complaint. They say thatbecause I signed the loan papers, that showed that I fully agreed to it 's provisions. 
However, because I trusted BOA to provide accurate info, I did not have accurateinfo on my home 's value until I was able to do more research later. I was surprised to findto find the house had been appraised about for about {$100000.00} more than it'smarket value. Also, it took about XXXX years to get a copy of the XXXX appraisal. 
This considerably increased the cost of the loan and made it impossible to sell thehouse. I am still asking for compensation as originally requested.
Consumer complaint received 2019-07-25
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. (GA)

I have identity fraud alert on my credit reports and I'm having a hardest time having the items removed. I was an victim of identity theft back in 2015. I sent all three credit bureau a copy of the police report, stating that someone used my Social security number for their personal access. I have been fighting this for almost four years and they issue is still not getting resolved. I have a lot of hard inquiries that have not been removed, accounts that are not mines and etc. I was thinking about getting a lawyer to have this issue resolved. It is hurting me a lot, because I can not get approved for loans. Every time I dispute an inquiry or an account, the credit bureau always send a letter stating that the account was validate. I don't know what information they are using to validate that it is me. I know that they have an alert on my credit report stating that they suppose to be calling me when someone is using my information, but the creditors are not calling me.
Consumer complaint received 2021-06-10
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. (MO)

There are 3 accounts that are reporting on my consumer report that are in violation and this is a Violation of my Consumer Rights as a Federally Protected Consumer. Because of these violations, I demand that all 3 of these accounts be removed/deleted from my consumer reports. I Called XXXX, Transunion, and XXXX  XX/XX/2021 and all 3 bureaus said that there is no such law and they dont have to remove anything. I explained My Consumer Rights and the laws they are in violation of but I am not being taken seriously.
Consumer complaint received 2019-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have identity fraud alert on my credit reports and I'm having a hardest time having the items removed. I was an victim of identity theft back in 2015. I sent all three credit bureau a copy of the police report, stating that someone used my Social security number for their personal access. I have been fighting this for almost four years and they issue is still not getting resolved. I have a lot of hard inquiries that have not been removed, accounts that are not mines and etc. I was thinking about getting a lawyer to have this issue resolved. It is hurting me a lot, because I can not get approved for loans. Every time I dispute an inquiry or an account, the credit bureau always send a letter stating that the account was validate. I don't know what information they are using to validate that it is me. I know that they have an alert on my credit report stating that they suppose to be calling me when someone is using my information, but the creditors are not calling me.
Consumer complaint received 2019-07-25
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. (CA)

My complaint is against XXXX XXXX XXXX Account # XXXX, open : XXXX, status Paid and closed with {$0.00} balance and Equifax credit bureau. Back on XX/XX/XXXX I sent a letters to the mentioned companies letting them know that Im a victim of fraud and account has to be removed, as required by the California Reporting Act, due to the fact its fraud related. The fraudulent account was removed from the other 2 credit bureaus only Equifax has not done so, making a violation to the FCRA. Im attaching the letters a sent to the mentioned companies on XXXX, with a Federal Trade Commission report that was also sent to the mentioned companies. This account has to be removed from my Equifax credit report or else I will take legal action in the event that this account remains in my report. I have a {$400000.00} mortgage loan pending due to this error of this mentioned companies. This is my last source Im using to fix this error and if it is not fix it will be resolved in court. I would also want to request a deletion letter from XXXX XXXX through CFPB portal as soon as possible to provide to mortgage company. Thank you!
Consumer complaint received 2019-07-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Improved Data Services LLC (CA)

XX/XX/19 around XXXX ( work hours ) XXXX XXXX from Improved Data Services called my sister ( XXXX ) from phone # XXXXXXXX  & informed my sister that a legal matter was being brought towards me. I returned XXXX XXXX call at phone # XXXX, after she left me a voicemail. I requested that she NOT contact my family members regarding a matter that does not concerns them. She then left me another voicemail while I was at work. She then called my job, asked for me, left her name & hung up when I picked the call up. Harassing my family members & bothering me at work is not the way to conduct business.
Consumer complaint received 2019-07-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CT)

I have requested to great extent that Wells Fargo who is the servicer on this loan, allow me a work out plan that will be beneficial for all. I am only late four months with this mortgage. After 30 days of my request for a loan modification I received a letter from Well Fargo to say that my application was unsuccessful due to my income. However, at the same time of my request for a loan modification I was also in the process of selling my home at XXXX XXXX XXXX which, its mortgage was consider an expense in my household expenses. 
Just to familiarize you with my hardship, it all occurred during and after the market crashed. The rising cost related to subject property, tenants defaulting on the rent and must painful and horrific the loss of XXXX   XXXX. I am an XXXX. 
Not only did I lose my income, but I also lost my health.. All I could think about it was the devastation that this economy introduce to me. 
Unfortunally, after all the struggling in 2010, I was admitted to XXXX XXXX  in CT. under XXXX care due to circumstances beyond my control. This was a long unexpected journey. I was there for 3 years.. 
I have enclosed medical records to Wells Fargo. Have updated all kinds of documents concerning my financials to no success. 
All I am asking is for Wells Fargo to give me the chance of giving me a lower Trial payment. This is what I can do for the moment. {$5.00}, XXXX. 

Please I want to keep my home. 
I am now competent to make financial decisions and handle my financial affairs. I am determined to maintain my financial current I am also confident that I'm able to afford payment based on my wife 's and my present income. 
Please I need to lower my rate, and extent my terms of the loan and adjust my principal. Refinancing is not an option at the moment. The subject is under water. ( See appraisal ). 
Kindly confirm receipt of this request and advice as to the next step.
Consumer complaint received 2019-07-25
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. (GA)

I have identity fraud alert on my credit reports and I'm having a hardest time having the items removed. I was an victim of identity theft back in 2015. I sent all three credit bureau a copy of the police report, stating that someone used my Social security number for their personal access. I have been fighting this for almost four years and they issue is still not getting resolved. I have a lot of hard inquiries that have not been removed, accounts that are not mines and etc. I was thinking about getting a lawyer to have this issue resolved. It is hurting me a lot, because I can not get approved for loans. Every time I dispute an inquiry or an account, the credit bureau always send a letter stating that the account was validate. I don't know what information they are using to validate that it is me. I know that they have an alert on my credit report stating that they suppose to be calling me when someone is using my information, but the creditors are not calling me.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2019-07-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (OH)

Utter and complete incompetence throughout the entire process. I would never use a chase loan product again. 

I am a XXXX XXXX and a XXXX  XXXX XXXX. I understand loans and how to get them. I sent them every required document with in 48 hours of requesting it. The loan was approved and all set to go. 24 hours before close they found 'problems ' and needed more documents. Which we provided. They strung us along for about 2 weeks after that ignoring calls and emails. Continually blew deadlines and expectations. The issue was around low income ( but massive assets ). They still stated that they were able to provide the loan in a program for folks with low incomes but high assets. But after about 2 weeks they said they would not be able to put is in that program, that it was only for a primary residence. Which is enraging as they knew all along it was an investment property but strung us ( and the seller ) along. Chase also advertised a " Closing Guarantee '' If Chase is at fault missing your closing date ( which they clearly were ) they will pay you {$1000.00} See Here : XXXX XXXX   XXXX I did not expect to get this mainly because they were so bad at everything but it sure feels like false advertising to me. 

Fine through all of that I could at least accept their incompetence. We bought it cash. However I am still waiting on them to refund this {$500.00} deposit I put down. 

I am happy to give a more complete and detailed explanation at a later date.
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (CT)

In accordance with the Fair Credit Reporting act. This account below has violated my federally protected rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other then records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-06
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. (CT)

In accordance with the Fair Credit Reporting act. This account below has violated my federally protected rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A. Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other then records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. How can this account be charged off and it still showing a remaining balance! This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX , XXXX, XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

The following multiple entries on student loans were reported on my credit report.. The account should not reflect as late because this is assigned to government. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, XXXX XXXX XXXX , DEPT OF ED/XXXX , DEPT OF ED/XXXX, DEPT OF ED/XXXX, DEPT OF ED/XXXX,
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

I have reached out to all three credit bureaus via certified mail on several occasions in reference to my personal information being updated. Each month I check my reports I see that they updated my employer information but the not the rest of the information per my request.
Consumer complaint received 2015-09-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (TX)

I am receiving a generic phone call from a computer telling me to call them back. When I researched the company, they are not a legit company, they are fishing for information. I do not own any debt with them. The phone number is XXXX The company is called Dynamic Recovery Solutions. I knew not to call them back, since it was a computer. I am on the do not call list. Please stop them.
Consumer complaint received 2019-07-25
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. (MS)

The following multiple entries on student loans were reported on my credit report.. The account should not reflect as late because this is assigned to government. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, XXXX XXXX XXXX XXXX DEPT OF ED/XXXX , DEPT OF ED/XXXX, DEPT OF ED/XXXX, DEPT OF ED/XXXX,
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2015-12-12
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BOGMAN, INC (MA)

We paid off our mortgage XXXX 2015 and have yet to have the mortgage discharged. 
The company Bogman Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX or Toll Free : XXXX Fax Lines : XXXX ; XXXX Bogman has failed to find the paperwork. Bogman has accepted and cashed our check and still failed to discharge our mortgage, they claim they can not get in to the software because of a lost password. In contacting the Commonwealth of XXXX, Division of Banks, Bogman Inc has failed to be licenced in XXXX.
Consumer complaint received 2018-05-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (TX)

On XX/XX/XXXX I went to XXXX XXXX XXXX to purchase a new vehicle. An extended warranty that cost {$2600.00} and GAP insurance that cost {$750.00} was added to the loan. I went in 3 days later on XX/XX/XXXX to cancel within the 30 days for a full refund. XXXX XXXX assured me a refund would post to my loan by early XX/XX/XXXX.  When that did not happen I contacted their customer service representative who did not respond back, but had XXXX XXXX contact me. XXXX Left a  voicemail on XX/XX/XXXX assuring me the cancellation was in process and that the lender would get a refund with in 3-5 business days. On XX/XX/XXXX I still did not see a refund so I called XXXX XXXX who said he needed to get with his cancellation department and he would call me back. He never did call me back. Their customer service representative also ignored my emails. The contract says I can cancel but now I'm at the mercy of XXXX XXXX XXXX if they want to cancel the warranty contract and GAP coverage, even though I was fully entitled to cancel.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (CA)

My complaint is against Barclays Bank Delaware Account # XXXX, open : XX/XX/2014, status Paid and closed with {$0.00} balance and XXXX credit bureau. Back on XX/XX/XXXX I sent a letters to the mentioned companies letting them know that Im a victim of fraud and account has to be removed, as required by the California Reporting Act, due to the fact its fraud related. The fraudulent account was removed from the other 2 credit bureaus only XXXX  has not done so, making a violation to the FCRA. Im attaching the letters a sent to the mentioned companies on XXXX, with a Federal Trade Commission report that was also sent to the mentioned companies. This account has to be removed from my XXXX credit report or else I will take legal action in the event that this account remains in my report. I have a {$400000.00} mortgage loan pending due to this error of this mentioned companies. This is my last source Im using to fix this error and if it is not fix it will be resolved in court. I would also want to request a deletion letter from Barclays Bank through CFPB portal as soon as possible to provide to mortgage company. Thank you!
Consumer complaint received 2019-07-25
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. (OR)

I am writing to file a complaint about Experian. I am preparing to buy a house. On XX/XX/2019, my lender ran a credit report and found a fraudulent charge. XXXX XXXX XXXX claimed I had an outstanding bill to XXXX of {$5500.00} that was sent to the collection agency. I have never used XXXX. I disputed it, thinking it would be simple for them to investigate and close, considering I have never used the service. On XX/XX/2019, I received a message from Experian saying that the charge is accurate. I don't know how to prove that it isn't, considering I have no knowledge of this account, I've never used XXXX, and the charge is not mine. I very much need this fraudulent charge removed from my credit report.