davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-09
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: Shellpoint Partners, LLC (TN)

A hard inquiry was made into my credit report on XXXX XXXX, XXXX without my approval or knowledge. I communicated with a mortgage consultant at XXXX XXXX XXXX about refinancing my home, but I did not complete an application and I did not approve an inquiry into my credit report. This inquiry apparently dropped my credit score by 5 points. I would like to dispute this inquiry and have it removed from my credit report. 

Date : XXXX/XXXX/XXXX Company that made the inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX ; ( XXXX ) XXXX Email : XXXXXXXXXXXX
Consumer complaint received 2023-08-19
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: EQUIFAX, INC. (MD)

Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S Code 1681e ( b ) Compliance procedures maximum possible accuracy. 
To Equifax Recently I did an investigation on my credit report which caused my XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under U.S Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I Know that Under 15 U.U Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter 1. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. Did not consent to unauthorized inquiry. 
2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-19
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: EQUIFAX, INC. (FL)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX XXXX Balance : {$140.00}XXXX XXXX Inquired on XX/XX/2023.
Consumer complaint received 2020-02-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (SC)

Navient, has made it hard to forgive the loan we have had for 23 years, as my wife is a XXXX  and I a XXXX. The loan keeps increasing it's loan payment higher and higher as it gets older. This loan practice sames odd. They are telling myself that my name is on the loan and not my wife 's, but they use her income and mine, to set payment and then tell me they can't forgive the loan, as her name is not on loan. I have been with this for a long time and will talk about documents if we may have a case.
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX XXXX ( XXXX ) reported over 30 days and 60 days late on my credit report when this was not true. This was discovered when my husband had a renewal of his XXXX XXXX. XXXX sent a letter stating there error and said it would b corrected on both our credit reports. This was back in XX/XX/XXXX. The letter said that we had zero late payments on our mortgage. I was notified in XX/XX/XXXX that our credit had dropped. When I pulled our reports its showed that yet againXX/XX/XXXXreported late payments for XX/XX/XXXX andXX/XX/XXXX. This is causing us much stress since we are looking to rent another home and may cause us not to be qualified based on our credit score. XXXX also did not pay our home owners insurance nor or property taxes recently. I contacted them and was told that they knew this happened and had been waiting for customers to call and let them know. We where over 2 months behind on our home owners insurance. These funds are es-crowed in our payments. If my insurance agent did not call me, we would have lapsed on our insurance policy. This has caused us much stress and time trying to consistently fix XXXX errors. We will be looking into a lawsuit if needed.
Consumer complaint received 2019-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (MN)

XXXX did not.disconnect my cable when I asked them to and claimed I was locked into a 2 year contract when i had my package for well over 2 years. By disconnecting my account for nonpayment, then reconecting after I paid my bill they said I was locked into a new 2 year contract. My balance was paid when I called to cancel in XXXX and they continued charging me. I had moved out of their service area and no longer needed their services. They continued charging me almost {$900.00} before finally disconnecting my services. I have disputed with the credit bureaus, the collection agency XXXX XXXX XXXX, and with XXXX. I filed a complaint with XXXX as well. XXXX said they were investigating and would call back in 48 hours and it has been over a week. I called them and they said they do not see an investigation.
Consumer complaint received 2020-02-07
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA (NY)

On XX/XX/XXXX, I received an email from XXXX  that I had been marked delinquent on a Kia Motors Finance bill. My credit plummeted more than 100 points. I turned my Kia in that past XXXX for a XXXX. I called Kia the second they opened on Monday and it turns out I had a {$120.00} payment from something that they screwed me over with for not returning it to them. 

I paid it right then and there and then asked for it to be taken off of my credit because I had absolutely no contact from Kia that I had owed anything. They asked me for my address and I gave it to them and they told me that it didn't match my address on file. They had my old apartment address. However, I had in my hands ( miraculously saved ) a lease end kit that they had sent to me at my house -- -thus proving that my address was SOMEWHERE at Kia , They told me I could write a letter to dispute, but there is no phone number or email address to get in contact with the credit department XXXX I did that day and also opened a dispute with XXXX. 

Both disputes came back saying that they were not in the wrong and that it will stay on my credit until XXXX of XXXX. I have 6-8 years of on time lease payments to Kia. I paid that bill the second I knew about it ( from XXXX, never from Kia ). I have NEVER missed a payment on anything. At one time, there were five Kias in my family 's driveway. I called the number at the bottom of the Kia letter and was told that a manager would call me back in 24-48 hours. 

A very rude manager called me back and basically told me it was my fault for not changing my address and they had searched the system to send me the lease end kit, but could not answer my question as to why that same courtesy wasn't given when I was not responding to a bill that was way less than my lease payments. She told me I could open a credit dispute with XXXX  and in the middle of telling her that I had already done that she claimed that she could no longer hear me, jumbled out an 800  number with no warning and hung up. I called back the number that had called me, talked to a lady that gave me another number to call, and called that number. That woman told me that the original manager was giving me the number to the credit union and that she disconnected the call.
Consumer complaint received 2019-04-12
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: AES/PHEAA (MD)

Since XX/XX/XXXX, National Collegiate XXXX XXXX has been pursuing a case about a student loan they said I owe. Over time I have asked them to submit the proof and nothing has been done. Since XX/XX/XXXX, they called and harassed me by phone and mail. I put in a cease and decease letter and they finally stopped and pursued a court case against me. I have submitted letter after letter to the law office and to the court. I have gone has far as sending the published legal case against this company but it has been ignored. I am reaching out because I need legal assistance with this matter but do not have the financial funds for a lawyer. I need to know how do I get help with this matter. The legal tea for NCT has now submitted this interrogatories questionnaire that I do not feel that I need to fill out because it would only be used against me in court. My court hearing is XX/XX/XXXX. I also researched that I had a loan with AES but when I filed for Chapter XXXX bankruptcy, AES cleared by debt entirely and NCT was the holder for them and still they are pursuing this loan. I need assistance with this case as soon as possible. I have attached all the documents I have regarding this case.
Consumer complaint received 2023-01-26
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. (NV)

These accounts are not mine and opened fraudulently {$1200.00} XXXX XXXX XXXX XXXX OpenedXXXX {$2500.00} XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX {$4500.00} XXXX XXXX Opened : XX/XX/XXXX {$7400.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX Opened XXXX XX/XX/XXXX {$1300.00} XXXX XXXX Opened XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-25
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Mandarich Law Group, LLP (FL)

I received a debt collection notice from Mandarich Law Group LLP stating that they were attempting to collect an alleged debt. Pursuant to Title 15 U.S.C 1692e ( 3 ) no debt collector shall give the false representation or implication that any individual is an attorney or that any communication is from an attorney in regard to the collection of a debt. Furthermore, if so, it is illegal for an attorney or official of the court to act as a debt collector. As a consumer this is very misleading to me.
Consumer complaint received 2018-01-09
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. (CA)

In XX/XX/XXXX I applied for a XXXX at XXXX XXXX. They subsequently issued a XXXX XXXX to me in XXXX. However, I did not apply for the XXXX nor did I authorize a second credit inquiry. This is the history of the inquiry. 
XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX I phoned XXXX several times in XX/XX/XXXX to request the removal of the second inquiry. I kept calling and was finally told to write to the specific department. I was told it would take 30 days or less but I wrote to them in XXXX and have not heard anything. I followed up with the bank and was told that the department could not be reached internally or externally and they suggested I write again. It 's been two months since my first inquiry. I have spoken to several managers, written to them - all to no avail.
Consumer complaint received 2018-04-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

i received a letter dated XX/XX/2018 from Chase Bank stating that they were ending their relationship with me and that my 3 bank accounts ( 2 checking and 1 savings ) would be closed by XX/XX/2018 and that my credit card with them would be closed effective immediately. i have been a customer of the bank for over 20 years, run high cash balances, never had an issue with overdraft, negative balances, non payments or anything else i can think of. the letter did not reveal the issue for the termination. There was no warning or communication from them prior to receiving the letter. 

when i reached out to the bank - both through my local branch as well as the number provided on the letter, they reiterated they had the right to end any relationship they wanted and were under no obligation to declare a reason. they were completely unhelpful and just stonewalled me behind privacy and secrecy rules. This is not how banks should be treating very long term customers. 

I am concerned that there may be something sinister at play here - false identity, identity theft, faulty credit reporting, or just a plain mistake, whether it is clerical or a computer. If there truly is a problem with my account, i feel that they should explain the issue so that it can be fixed and not impact me going forward at another financial institution. 

obviously i am looking to get this decision overturned, but at a minimum at least get a reason for the termination so i can determine whether there has been any fraud in my name or if i have a problem that needs to be fixed going forward.
Consumer complaint received 2023-08-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (TX)

What about 2 years ago I noticed that it came back up on my credit report so I went through the steps of having it disputed the last time it just kind of disappeared I didn't hear anything from the company and then last year under a new name they reached out to me saying that I owe this money and I told them it was paid in full when I received my income tax a few years ago she could not find the information at that time asked for my payment history and I never received it so I started another dispute on XXXX this month.
Consumer complaint received 2021-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

My card had been on restriction due to suspected fraud and unusable for a couple of months. On XX/XX/XXXX my secured credit card deposit was released into my card balance for what I thought was my request after 45 months of on-time payments. I called to confirm ( XXXX ) and was directed on how to un-restrict my card and be able to use it again with another agent. A remaining balance of XXXX was informed to me by 2 CapitalOne agents that when I cleared would set my card to XXXX balance and I was only waiting for document verification to release my card access. Through a third party I viewed my credit and saw that my card was status closed. I called CapitalOne ( XXXX ) to resolve, he said he spoke with another agent that was more able to assist me and got transferred to the next agent ( XXXX ) without any notation, so she was confused and finally decided to share the truth, that my account was closed back in XXXX and apparently nobody wanted to inform me of this and I was provided false information in all previous interactions, which I feel was to coerce funds from me. I was lied to and am in a worse place because I was cheated.
Consumer complaint received 2021-02-15
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. (CA)

Over the course of 2 years I have disputed this contacte XXXX and they refuse to communicate or respond to all attempts to get this fixed. today after years of trying i now see they have reported to my credit 3 times for multiple amounts and the newest being reported XX/XX/2021 for {$4100.00}. This does not belong to me I advised them of this multiple times. This is causing major issues with my livelihood and is at this point harassment and lies.
Consumer complaint received 2024-02-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PNC Bank N.A. (PA)

PNC Bank is the servicer of my mortgage loan. I am the successor of interest to the borrower, and I am the resident and record owner of the property that is subject to the loan, which is currently in foreclosure. 

I applied for and received a conditional XXXX  XXXX  of {$50000.00} on XX/XX/2023, to cover part of the reinstatement amount of {$110000.00} in order to save my home. Through my XXXX  XXXX, I reached out to obtain a loan modification in conjunction with the XXXX XXXX  to cover the remainder of the arrearage but was informed on XX/XX/2023 that PNC does not offer that option. 

On the Frequently Asked Questions page of its website, HUD has clarified the guidance in its HUD Mortgagee Letter 2023-03 that borrowers who seek to combine XXXX XXXX  with a XXXX Recovery Modification must be given that option by mortgagees, so long as that option is allowed by the States HAF program. XXXX clearly allows that option as part of the " XXXX XXXX. '' PNC Banks failure to allow me to combine my PAHAF award with XXXX of the XXXX Home Retention options violates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and HUDs Mortgagee Letter 2023-0XXXX.
Consumer complaint received 2018-04-10
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: TRANSWORLD SYSTEMS INC (FL)

XX/XX/XXXX transworld systems contacted my job and asked for me. When I came on the line they said I owed XXXX and if I dont pay Ill have a warrant issued for my arrest. I told them first off this is my job your calling and these call are recorded he cut me off and said the bill was for an ER visit XX/XX/XXXX I told them I have insurance and didnt have an er visit and told them not to contact my job. XX/XX/XXXX I was on break when I came back I almost passed out. They called back again but didnt speak to me instead they spoke to my coworker and told him what Was owed what hospital it was for and what date and said the police would be getting involved. Unbelievable I checked my credit on XXXX XXXX they have it on their I dont know what they are talking about I dont owe them.I work for XXXX XXXX and the phone number is listed for everyone to call so there was no way to block their number. Nothing can be done from their end but just to hang up on them.
Consumer complaint received 2018-11-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SC)

I HAVE A XXXX XXXX CREDIT STEPS PROGRAM CARD, IN THIS PROGRAM IF YOU MAKE YOUR CREDIT CARD PAYMENTS EARLY OR ON-TIME XXXX XXXX WILL ADVANCE YOU TO A XXXX CREDIT CARD A ND RAISE THE CREDIT LIMIT FROM {$300.00} TO {$500.00}. I COMPLETED THE PROGRAM SUCESSFULLY AND WAS GRANTED THE XXXX CARD W/ {$500.00} LIMIT. UNFORTUNALEY IN XX/XX/2018 WE HAD A DECLARED NATURAL DISASTER " MICHEAL '' THAT HIT SOUTH CAROLINA XX/XX/2018 I IMMEDIATLEY CONTACTED XXXX XXXX TO MAKE THEM AWARE AND I WAS TOLD THAT A NATURAL DISASTER CODE WAS PLACED ON MY ACCOUNT TO AVOID HURTING MY CREDIT RE : LATE PMNTS ON THIS ACCOUNT. XXXX XXXX STILL CONTINUED TO LEAVE THE LATE PMNT DELINQUENCY ON MY CREDIT FILE AFTER SPEAKING WITH ME ABOUT THIS SEVERAL TIMES. I WAS NEVER GIVEN ANY INFORMATION OR ADDRESS TO SUBMIT MY DOCUMENTATION TO REMOVE THE LATE PMNT FROM MY ACCOUNT " WHICH THEY DO HAVE AVAILIBLE '' XXXX XXXX  KEEPS GIVING ME THE RUN-AROUND IN RESOLVING THIS ISSUE AND IN RETURN THIS IS RUINING MY CREDIT SCORE.
Consumer complaint received 2019-04-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PHH Mortgage Services Corporation (MI)

Back in 2009 when all the housings went underwater my mortgage went upside down and is still hunting me now I did not walk away like most people did I stuck it out until now I asked for a principal reduction not a modification I don't qualify for refinancing through them or anyone else want touch it because of the upside down mortgage owing {$82000.00} and a home is only worth {$17000.00} due to the 2009 illegal appraising of homes and other illegal measures I asked him could they at least bring it down to XXXX XXXX or a number that makes better sense they said the only thing I can do is modified alone I have been told to let the home go into foreclosure and buy it back I don't want to do that it mess my credit up I am up to date on my payments had to do a bankruptcy chapter 7 in between this the loan is not reaffirmed they would rather lose {$82000.00} then lower the principal so I can stay in there this is unfair