davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: College Foundation, Inc. (TX)

Late payments have been reported to credit agencies but the loans were supposed to be in forbearance. When trying to contact the company you have to wait 30 minutes to an hour to get someone on the phone and even then they will give you incorrect information. Their website has been consistently down so even when I tried to access my account it would not let me and would tell me to try again later. They have made it impossible to get correct information and to keep loans current. I have had a 100 % payment history on my credit report my whole life until this incident. I have loans with the company that XXXX transferred the majority of my loans to a long time ago and have had ZERO issues. I don't know why XXXX makes it so hard and then unfairly reports credit issues.
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCC Business Services, Inc. (FL)

I have a adverse account collection on my credit report this was to be removed completely as part of my settlement I sued XXXX XXXX XXXX  and I won my case. I am a victim of hurricane irma this was supposed to be completely removed it shows as paid this was to be removed completely The amount is XXXX
Consumer complaint received 2019-06-13
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. (TX)

the following accounts have been disputed on these dates for these reasons : XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,  Incorrect balance, the date reported, and the account type are inaccurate. 

XXXX # XXXX XXXX XXXX XXXX XXXX - XXXX XXXX # XXXX XXXX XXXX # 109 XXXX XXXX # 109 XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

the following accounts have been disputed on these dates for these reasons : XXXX-19, XXXX-19,XXXX-19,XXXX-19,XXXX-19, Incorrect balance, the date reported, and the account type are inaccurate. 

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
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I called and asked what options were due to hardship of paying student loan. I was informed in XX/XX/2019 that forbearance was an option and received and submitted the paperwork as requested. 
Forbearance was denied in letter received due to borrower not signing form. 
I have come to find out I was misled and this is not the reason, the real reason was the loan was charged off to collections before decision was made on denying my forbearance as co-signor. My son lost his job, and I had a XXXX XXXX and am not working, presently on XXXX XXXX XXXX. The loan was charged off XXXX-19 and my denial was not till XXXX-19. I was never informed of this sequence of events until I filed a XXXX of XXXX PA complaint. Only then, after leaving voice mail to call me which went un-responded to, was I contacted by XXXX XXXX. I have not been provided the accurate information along the path of attempting to forbear the loan. I simply am asking for options available to any borrower and attempting to pay the loan payments as required when able.
Consumer complaint received 2023-08-11
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: CBC Companies, Inc. (IL)

XXXX XXXX XXXX Factual Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please DELETE THESE UnAuthorized Inquiries
Consumer complaint received 2019-06-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (FL)

Me and my ex husband were referred to loan depot to speak with XXXX XXXX a Lender to help with refinance of a martial property which through our divorce i was award half the equity. My ex couldn't get financed and XXXX helped with the process and she was advise he is very old school and doesn't like change and can't afford for his payments to go up a lot. my ex gave XXXX authorization to sign and my email to all the process on his behalf. to sign any documents. my email is on file and phone number, XXXX has been speaking and getting information and documents from me since the beginning of this loan. once it got to the end and I asked XXXX about the payment, she advise me over {$900.00}. I advise her I would speak with my ex and get back with her and also asked about the interest being lower. Well me and my ex spoke and decided the payments were going to be to much and place him in a hardship. I sent a email advising her we both agreed to cancel the loan since we have not signed. This is where things got nasty and harassing and want ever call pulled. XXXX who was a manager from processor stated she was sorry to hear that and she would have XXXX cash cancel the loan. I get a email from XXXX XXXX stating to me she can not cancel the loan because I'm not on the loan. me and my ex attempted to call her and left message she hung up and he left a message stating he wanted to cancel the loan. XXXX was advise to not contact us several times. she sent a email stating he was being pushed to say that. first off. I was awarded half the equity it would benefit me to go though with the refinance no cancel. then she advised me that he needs to call her manager no one was willing to cancel. so we called and speak with XXXX XXXX and he was rude and stated he couldn't speak with me and begin to advise to hold and I can call my ex on the other line. then when I got my ex on the line mr XXXX kept over talking and saying he could get the loan down another {$100.00} which at this point was point less and then asked if he could call him back. my ex call Mr .XXXX  and was told he was in contempt, so basically harassing and threating just because we said no. I need all the phone conversations pulled. XXXX XXXX has lied and gave misinformed information and her emailed pulled. as I advised to stop contacting me. she also called me on her personal phone.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2019-06-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I have been working to clean my credit report and in contact with Midland Credit Management for over a year. They refuse to work with me on a settlement. They insist on payment plans for the full amount. I was on a plan and stopped because I couldnt afford it. Today I called once more to offer {$300.00} on the balance of {$1100.00} and this was declined. I would like information on the debt itself and how they came up with this amount in the first place. If I owe this balance, then I would like assistance in negotiating as they are unwilling to help.
Consumer complaint received 2019-04-17
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)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

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 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 Bankruptcy : Discharged XXXX XXXX Bankruptcy : Discharged XXXX XXXX
Consumer complaint received 2019-06-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (NJ)

Recently our mortgage servicing transferred to PHH from XXXX, we applied for Mortgage Modification Assistance more than 14 days prior to the sale as instructed by PHH, when contacting PHH to get a status on the modification request, I was notified that our request would not be considered because it wasn't made more than 37 days before the scheduled sale date of XX/XX/2019. Neither PHH or XXXX have sent us any documentation regarding the transfer of the servicing rights from XXXX to PHH, nor have we received any offers of assistance in lieu of foreclosure on this home. 

The property has been in foreclosure for several years and we have attempted to resolve the issues with the lender and they have been unwilling to offer any solutions for this foreclosure issue. At this time, the foreclosure sale is pending for XX/XX/2019. We have any appeal pending with the New Jersey XXXX Court and have also submitted a Motion to Stay the Foreclosure Sale pending the outcome of the Appeal. 

We are seeking intervention by the CFPB to stop the wrongful foreclosure of this property.
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PNC Bank N.A. (PA)

I called and asked what options were due to hardship of paying student loan. I was informed in XXXX 2019 that forbearance was an option and received and submitted the paperwork as requested. 
Forbearance was denied in letter received due to borrower not signing form. 
I have come to find out I was misled and this is not the reason, the real reason was the loan was charged off to collections before decision was made on denying my forbearance as co-signor. My son lost his job, and I had a XXXX XXXX and am not working, presently on XXXX XXXX  XXXX. The loan was charged off XX/XX/XXXX-19 and my denial was not tillXX/XX/XXXX-19. I was never informed of this sequence of events until I filed a XX/XX/XXXX of XXXX PA complaint. Only then, after leaving voice mail to call me which went un-responded to, was I contacted by PNC Bank. I have not been provided the accurate information along the path of attempting to forbear the loan. I simply am asking for options available to any borrower and attempting to pay the loan payments as required when able.
Consumer complaint received 2023-01-09
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: EQUIFAX, INC. (TX)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX  Account number : XXXX, XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX  Account number:XXXXXXXX XXXX  Account number:XXXX XXXX XXXX Account numberXXXX, XXXXXXXX XXXX Account numberXXXXXXXX XXXX XXXX  Account number : XXXX, has violated my rights.

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-06-13
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. (TX)

the following accounts have been disputed on these dates for these reasons : XXXX, Incorrect balance, the date reported, and the account type are inaccurate. 

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 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 XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

the following accounts have been disputed on these dates for these reasons : XXXX-19,XXXX-19,XXXX-19,XXXX-19, Incorrect balance, the date reported, and the account type are inaccurate. 

XXXX XXXX XXXX # XXXX 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 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 XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2019-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (TX)

It has just come to my attention that this account is still reporting on my credit reports.I requested proof of ownership for the account reporting on my credit reports by Security Credit Services. I have received no response from Security Credit Services. I requested the proof in writing via certified mail on XX/XX/XXXX mail receipt # XXXX XXXX XXXX XXXX XXXX and again on XX/XX/XXXX mail receipt # XXXX XXXX XXXX XXXX XXXX. I also requested XXXX, XXXX and XXXX verify the account and none of the agencies have been able to provide me with any written proof of ownership.
Consumer complaint received 2019-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019, someone hacked into my Chase checking account and used XXXX with XXXX to send {$1900.00} to a new unknown recipient " XXXX XXXX '' at XXXX with XXXX address XXXX. 

On XX/XX/2019, someone hacked into my Chase checking account and used XXXX with XXXX to send {$1900.00} to the same recipient and email with XXXX address XXXX. 

On XX/XX/2019, someone hacked into my Chase savings account and transferred {$1000.00} to my checking account with XXXX address XXXX. On the same day, someone hacked into my account and used XXXX with XXXX to send {$1900.00} to the same recipient and email with XXXX address XXXX. 

I did not receive a notification for any of the XXXX fraud transactions. I was advised by Chase 's XXXX XXXX XXXX that any transactions with XXXX with XXXX to a new recipient or above {$1900.00} should be red flagged, and their fraud team should have to approve the transactions, or send me a notification. 

I first learned about the problem when I received an XXXX Funds notification from Chase on XX/XX/2019. I reached out to Chase immediately and they opened a fraud claim for me. 

On XX/XX/XXXX, I learned that the claim was denied. Chase said the transactions were legitimate because they were made via a local XXXX address. I was able to escalate the claim to Chase 's XXXX office, and Chase reopened the claim. A week later, Chase reached out to let me know that they had come to the same decision that the transactions were legitimate. They had not done any additional research to come to this decision - they had just repeated the research that the fraud team did initially. Chase then told me that I would have to provide my own evidence to prove myself innocent in order to get the case reopened. 

I compiled all my records in order to try and find evidence that would prove my innocence. I called Chase on XX/XX/2019, to ask questions regarding transactions on my account, in order to obtain details that may lead to evidence to help my case. It was during this phone call that the fraud team told me that the case was permanently closed and there was no way to open it again. 

I am trying to get my money back from the fraud charges. XXXX with XXXX has led to multiple fraud transactions for people all over America, and banks are not protecting their customers.
Consumer complaint received 2019-06-13
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. (LA)

After doing my taxes last year I discovered there was a credit card opened in my name. I have never had a credit card until recently. The credit card in question was opened in 2011.. ( I was in high school at the time ) with XXXX XXXX. 
After a year of reporting and dealing with credit agencies ( successfully put a 1 year fraud alert through Experian ), I filed a police report this past XXXX. I decided to file a police report because through my credit score I discovered that the credit card is still open and active. 
I have now been dealing with XXXX XXXX Fraud Department. They said there is no account with the info I provided, yet still the account is affecting my credit score ...
Consumer complaint received 2019-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (MO)

I have been contacted repeatedly by MediCredit by phone over the last three months, starting first on XX/XX/XXXX, regarding a bill from XXXX XXXX in XXXX, Missouri. Upon the first phone contact, I requested a debt validation letter be sent to my address on file, which was agreed to by the associate. I have still not received any debt validation letter. 

During a 3-way call that took place on XX/XX/XXXX between myself, MediCredit and my insurer, XXXX, we determined that the bill in question had already been paid by XXXX at the contracted rate between XXXX and XXXX, and that no further collections action could legally be taken by XXXX. XXXX had attempted to increase the amount owed to them by me by classing my visit as out-of-network, but XXXX had classed the reason for my ER visit as a legitimate medical emergency, and paid the rate contracted to XXXX as an in-network hospital for services rendered. Thus, XXXX erred in sending any bill to MediCredit for collections activity, and MediCredit had no standing to continue collection efforts. It was agreed on this call, which was recorded by both myself and by XXXX 's representative on my request as well as by MediCredit per their policy, that collection efforts would cease until a letter could be sent to XXXX by MediCredit confirming the amount owed, and that XXXX would take over and finalize the negotiated amount paid by insurance. 

However, since then, I have continued to receive multiple calls from MediCredit regarding this bill, and no letter has been delivered to XXXX ( confirmed XX/XX/XXXX by a XXXX billing representative ) or to my home address. I believe these continued collection efforts constitute a violation of the Fair Debt Collection Practices Act, and intend to pursue legal action if MediCredit does not make good on its word to settle this through XXXX.
Consumer complaint received 2019-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I spoke with Bank of America on XX/XX/XXXX. There was {$1500.00} in unauthorized transactions done from various online businesses. I told them to cancel the card and these transactions were never allowed. 

They credited me back this amount. Now today I receive a letter in the mail that says they are retracting on what they said. They are removing the credit, going to take {$1500.00} out of my account which I don't have and they even allowed one of the transactions to be posted to my account again! 

They charged my account on XX/XX/XXXX from XXXX one of the charges I challenged and said was never authorized for {$27.00}, then they charged me an overcharge fee of {$35.00} to boot! 

This is so illegal, fraudulent and they should be sued for deceptive business practices. 

Also I tried to make a deposit in the amount of {$750.00} written out in a check. Bank of America rejected the check. The check didn't bounce. There were funds in the other account as this was my account. This then caused me to be over drafted several times resulting in another {$210.00} in charge fees.
Consumer complaint received 2022-04-05
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.