davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MD)

Navient has been leading me into multiple forbearance instead of letting me process a simple income driven plan. My interest has driven the cost of my loans UP {$3000.00} this year ALONE! 

I called XX/XX/XXXX, XX/XX/XXXX I was told to renew my XXXX plan. I told to wait oh, and I heard nothing for three months. After that. Of time in XX/XX/XXXX I was offered a forbearance. then, after 1 month when I called back after seeing navient raise the principal {$300.00}, they offered me a 3-month forbearance. This year the loan value will increase again over {$1500.00}. This is predatory and unforgivable. 

I can not sustain an expanding debt. Please XXXX, help me.
Consumer complaint received 2019-04-10
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. (OR)

XXXX XXXX  - XXXX - is reporting on my credit report for over 5 years now for an account that was paid to the original creditor prior to it even going to collections! It was sent in error and yet it is continuing to update on my credit monthly. I have contacted my attorney and the next communication will be from him if they do not remove this account from my credit report. I never even got a notice from this company. 
They just put it on my credit with no 30 day right to dispute -which is against the FCRA
Consumer complaint received 2018-09-05
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)

In XX/XX/2018, I sent in a pay for deletion confirmation letter from the bank XXXX XXXX XXXX XXXX ( XXXX ) to the credit bureaus of XXXX  and equifax, which explained that myself and the creditor had a agreement that was completed in which the account would be deleted in exchange for my payment. The letter is valid and stated completion and if I wanted to speed up the removal process I should send to the reporting agencies. I sent to the credit bureaus but XXXX  and equifax never deleted it, their response was " verified ''. But i never received anything in the mail that was a copy of the verifiable proof they got from the said creditor to keep the account on my report. These types of practices by the reporting agencies are illegal, 609 federal law fcra. 
Also after not noticing any changes on my credit report, I sent in a new dispute stating the XXXX account was absolutely not verified and valid as a current account, legally. I needed to receive proof of verifiable documents, signed consumer contracts, etc. for this account to remain and again, got another response saying its still verified with no proof sent to me. The credit bureaus have my current address and contact info, they are just being a XXXX XXXX XXXX XXXX. This said account being left on my account is not only unfair but it is unjust. My report has been improperly handled which has affected my ability to obtain further credit.
Consumer complaint received 2021-12-09
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. (MD)

On XXXX XXXX I called Trans Union to get an update on them removing XXXX inquiries thats all my credit report that is under identity fraud and they stated to me they was going to remove them within XXXX to XXXX hours and that made it has not been done This company has been very rude to me they hang up on you constantly they pass you around and state that theyre going to remove something and they dont do it.This is currently affecting me XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-10
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (GA)

I have sent prior request about a Mortgage reporting inaccurately on my credit report. There are plenty of errors concerning my account and the way this company kept its records. This account was reported by this company as being in a Bankruptcy Status since XXXX XXXX however was never reported or updated to the Credit bureaus Please explain how and why this account was not reported correctly? I have sent more at least 3 request through the CFPB and they have admitted to this an other accounting errors on my credit report and stated they updated the payments but they have not
Consumer complaint received 2019-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am attaching a copy of the letter that my husband and I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond with the results within 30 days, but they have not.
Consumer complaint received 2019-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

In XXXX of 2019 I sent a check to my mortgage service in the amount of {$230000.00}. 
6 weeks later I received an overdue notice and late charges. I called them was told that they had not received my payment. Another call and I was told that they had considered my check to be a '' payoff '' and they would only except a wire transfer for that. 
I told they it was not a payoff request and asked them what happened to my check. 
I was told they sent it to an address where I lived 8 months ago. ( even though I had filled out a change of address form, My check had my current address on it and they had been sending me the payment notices etc. to my current address for 6 months. ) I was told it was an error by their servicing company which was separate from the mortgage holder. repeated attempts to clear this up brought no relief. Eventually I placed a stop payment on the first check, wired a full payoff amount to them and I was charged a full months interest, late fees, missed payment fee and they refused to refund my stop payment fee on the lost check. ( never got it. ) Now, they owed me 2 amounts for overage on the escrow account. Ins. and tax refunds. One check was forwarded to me from the current resident of my old house, YES, they are still mailing to it! I have not seen the second check which should have been here weeks ago. 
I am asking for reimbursement for the interest, the late/overdue charges and my {$35.00} stop payment fee.
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Accounts Receivable Inc. (OR)

Accounts Receivable - XXXX - is reporting on my credit report for over 5 years now for an account that was paid to the original creditor prior to it even going to collections! It was sent in error and yet it is continuing to update on my credit monthly. I have contacted my attorney and the next communication will be from him if they do not remove this account from my credit report. I never even got a notice from this company. 
They just put it on my credit with no 30 day right to dispute -which is against the FCRA
Consumer complaint received 2019-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (MI)

Ive been with chase bank for a long time.In XXXX, I applied for a chase freedom visa account onXX/XX/XXXX and was denied because my credit report says bankruptcy and credit balances are to high.FYI, in my last year of bankruptcy.They also used a scoring system called Card Acquisition risk score V2 to determine my outcome.Also, They say the key factors are number of delinquent accounts, public record of bankruptcy.I don't have delinquent accounts, infact, I have past accounts that are paid off.Again, Im in my last year of bankruptcy and it ends in XXXX.After I was denied, I applied for a loan with XXXX c/o XXXX and was approved.I ve been a customer of chase bank for a long time and im disgusted that I cant even get a loan or credit card through my own bank.
Consumer complaint received 2018-09-05
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. (GA)

I contacted Equifax on Tuesday, XX/XX/2018 after I viewed my credit report and found addresses that did not belong to me. The representative that I spoke with said that the system was down and I would have to call back which is hard being that I work long hours and can not make phone calls while I'm working.
Consumer complaint received 2019-04-10
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 — Their investigation did not fix an error on your report
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

For the past 5 months I am disputing a several collections items from my credit report from the same company and never got any validation from the collections agency plus they are adding fees each month for a medical bill, they even reporting all the accounts as past due ( violation of fdcpa )
Consumer complaint received 2019-04-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (TX)

On theXX/XX/XXXXI deposited a check written out to me into my account for the amount of {$16000.00}. The check was written by my grandfather who confirmed with his bank and got evidence that the check cleared with his bank and the money was transferred to Wells Fargo ( my bank ) on the XX/XX/XXXX My bank originally told me that the funds would be available on the XXXX. On the XXXX I checked my account and not only were the funds not available but there was no amount from the check available in my account and the bank was telling me it would not be available and was placed on hold till the XX/XX/XXXX. I waited till the XX/XX/XXXX to see if the funds would possibly be released sooner. When the funds were not available I called the bank because 11 days is an unreasonable amount of time for money to be available in my account when I have proof the check cleared. I spoke to several different people who gave me excuses such as : the money was not available because the check was not endorsed ( I was later told by another wells fargo employee endorsement was not necessary on my deposit and was not the real reason for this hold ), that wells fargo did not yet have the funds ( this was confirmed as a lie by my grandfathers bank ), that it was on hold because it was an unusual amount for me to deposit, that my grandfathers bank was not releasing it because it was not endorsed by me ( also confirmed as a lie by my grandfathers bank ) and that it was placed on hold to protect my grandfather who holds no accounts with them. After two hours on the phone trying to get my money rightfully released into my account and being told there was no possible way it would be available until the XXXX. On the following day, the XX/XX/XXXX, I brought my grandfather and the proof that the check had cleared his bank to a wells fargo manager at a branch. The manager told us the money hadn't been deposited because it was an unusual amount for me to deposit and that they were trying to protect him ( that is his banks job ). She then told us she could release the funds into my account right there becuase he was there to verify that he wrote the check. She never verified that my grandfather was my grandfather by asking for identification and released the funds directly into my account after I had already been told that this was not possible.
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX and Transunion have a freeze on my credit report. I have contacted them several times. they deny there is a freeze but I tried several companies to get credit and they all report a freeze.
Consumer complaint received 2022-10-01
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. (OH)

There are addresses listed on my credit report that I have never lived at or incorrect : 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
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA (PA)

This is regarding the Fed Loan DEPT. I have new proof that they were not suppose to get my new servicer, XXXX XXXX to add in any direct plus loans from my daughter 's college, XXXX College XXXX XXXX XXXX XXXX in with my consolidation loan I did with XXXX XXXX. I received an email from the " Borrower Defense Refuns Cancellation DEPT '' that if I requested the loans for this college to be put on freeze, this is allowed until the investigation against this school for frauding loans, allegelly, has been determined. I have contacted XXXX XXXX to change the online consolidation back to remove al of the loans from XXXX College or I will cancel it ... This isi my right as the consolidator applicant. 

I will provide proof from this dept. Also, the Fed Loan dept. responded to my letter that they had already frozen the loans due to them being under investigation. I never spoke with them about having problems with these loans in regards to needing help with payments! It was about why so many were requested only! 

Also, if you review the total expenses of the college during my daughter 's one year enrollment which was from XX/XX/2017 to XX/XX/2017, review the copies of her financial aid summary that I provide, ( not from the financial aid office since you may not be able to trust unless you comopare their statements with mines ... ), you can clearly see, she had enough financial aid form grants, scholarships, Stafford loans not to need the amount I am now showing that the school borrowed & are trying to make me repay by sneaking them on my credit report & in my consolidation! Some nerve! It is clear that the amount of the tuition & other expenses deducted by the financial total amount she had doesn't equal the amount of loans they got which is {$130000.00} in direct plus loans which exceeds the {$55000.00} limit of this kind of loan anyway! No way they can not be found with no fraudulance. Even the amount of the loan only has a {$55000.00} limit. Please, tak note of this. 

Thank you Miss XXXX
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

Dear Credit Bureau, Regarding the following account ( s ) : XXXX # XXXX, XXXX XXXX XXXX, XXXX Federal law requires that the credit report bureaus ( XXXX XXXX, XXXX, Experian ) that you provide mechanisms to ensure that eachitem on my credit report actually belong to me. If the above are inaccurate, misleadinging, or incomplete, you have violated federal law. I expect you to make a reinvestigation immediately, My social is XXXX. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2019-04-11
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)

I have in my credit a 30 day late in XX/XX/2019 XXXX ACCOUNT # XXXX.I already dispute and nothing happen.The information is incorrect .Im not late.
Consumer complaint received 2019-04-11
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. (VA)

Deleted my paid in full student loan account in response to a dispute is specifically authorized by the FCRA. Section 1681i ( a ) ( 1 ) ( A ) of the FCRA requires an agency to " reinvestigate ... and record the current status of the disputed information, or delete the item from the file in accordance with paragraph 5 [ describing the circumstances in which an account " can not be verified '' ]. '' Equifax, XXXX and XXXX are saying that the student loan couldn't be verified with XXXX XXXX after the account was paid in full on XX/XX/XXXX 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( emphasis added ).

Equifax, XXXX and XXXX has " a purported right to reinvestigate any disputed information contained within a consumer 's credit report after receiving a direct dispute from the consumer. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Upon receiving such a dispute, a CRA has thirty days to perform the reinvestigation and to notify the consumer of the results. 

Equifax, XXXX, and XXXX hasn't reached out to XXXX XXXX regarding any disputed student loan account from XX/XX/XXXX- XX/XX/XXXX. 

( No reasonable reinvestigation by XXXX, Equifax and XXXX  was even done and they hadnt contacted XXXX or the Department of education to  determine the status of the debt of the students loans, but has removed the establish credit history fromcredit report. ) Equifax, XXXX and XXXX   must : ( 1 ) reviewed the dispute letters and all enclosures ; ( 2 ) if the enclosures were not sufficient to resolve the dispute, sent an ACDV to the furnisher with a dispute code and information to identify properly the consumer 's dispute ; ( 3 ) once the furnisher returned the ACDV, modified the consumer 's account accordingly, including deleting the account if the furnisher failed to return the ACDV or verify it appropriately. 

According to XXXX XXXX and the Department of Education Know ACDV was sent to them regarding the dispute. 

Equifax XXXX and XXXX  has failed to reinvestigate any of his dispute from XXXX XXXX and didn't sent any ACDV to the department of education or XXXX XXXX. 

Equifax XXXX and XXXX are misusing the FCRA and are not conducting reinvestigate before removing accounts with the department of education and XXXX XXXX. 

The FCRA mandates that disputed information must be deleted from a consumer 's credit report if it can not be verified pursuant to a reinvestigation. XXXX XXXX and the Department of Education can verify the account. See 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ).

If a CRA wants to reinsert previously deleted information into a consumer 's credit report, it must certify the accuracy of the information with the information furnisher, and must notify the consumer of the reinsertion. Id. 1681i ( a ) ( 5 ) ( B ). Equifax XXXX and XXXX  hasn't reached out to the Department of Education, the Untied States Bankruptcy Trustee or XXXX XXXX  regarding any of the students loans account.
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have notified XXXX XXXX that the information they are providing to the credit Bureau is incorrect, they sold my loan twice to different collector agencies after i called to ask them and spoke to the supervisor XXXX, he told me that my account wasn't on collections and to resume paying the loan with them, Wish I did. After seeing that my account was showing several late payments I contacted them again and they said to Discard that information. After several attempts to make payments and finally close the account, being told they were going to send me a letter so I can dispute the other two credit collectors, they never did. Same account being reported three times on my credit with inaccurate balances.
Consumer complaint received 2019-04-11
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)

On XX/XX/19 I reviewed my credit reports with my credit monitoring website after paying {$29.00} for this option, I noticed there are multiple fraudulent accounts in my name on my credit reports with Trans Union, XXXX and XXXX. I reviewed the process on how to proceed with this situation in the Fair Credit Reporting Act, section 611 and typed a letter, signed it and completed an affidavit with the Federal Trade Commission as well as sending a copy of section 611 with these documents to XXXX Trans Union and XXXX, having paid an additional {$27.00} in mailing fees for certifying this packet to the credit bureaus. I received notice that each credit bureau received my certified letters on XX/XX/19. I am aware it does take up to 30 days for the credit bureaus to review and/or investigate this dispute and will mail results within that time line. I paid on XX/XX/19 {$29.00} to my credit monitoring account to review all bureaus and noticed the disputed accounts have not been removed with any of the credit bureaus. I have not received any investigation results or notifications what so ever for this situation. It is not XX/XX/19 and I am filing a complaint with the Consumer Financial Protection Bureau to help me in this matter because I do not want to be left dealing with this situation for months and being mistreated by the credit bureaus as well.
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/19 I reviewed my credit reports with my credit monitoring website after paying {$29.00} for this option, I noticed there are multiple fraudulent accounts in my name on my credit reports with XXXX XXXX, XXXX  and Equifax. I reviewed the process on how to proceed with this situation in the Fair Credit Reporting Act, section 611 and typed a letter, signed it and completed an affidavit with the Federal Trade Commission as well as sending a copy of section 611 with these documents to XXXX XXXX XXXX and Equifax, having paid an additional {$27.00} in mailing fees for certifying this packet to the credit bureaus. I received notice that each credit bureau received my certified letters on XX/XX/19. I am aware it does take up to 30 days for the credit bureaus to review and/or investigate this dispute and will mail results within that time line. I paid on XX/XX/19 {$29.00} to my credit monitoring account to review all bureaus and noticed the disputed accounts have not been removed with any of the credit bureaus. I have not received any investigation results or notifications what so ever for this situation. It is not XX/XX/19 and I am filing a complaint with the Consumer Financial Protection Bureau to help me in this matter because I do not want to be left dealing with this situation for months and being mistreated by the credit bureaus as well.