davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Data Mortgage Inc. (AL)

On XXXX XXXX we lost our XXXX air, and here in Alabama it gets hot. I spoke with the mortgage company about the missed payment which would be for XXXX. We are trying to get back on track, Im not sure what the back balance, I received a letter stateing that XXXX was due. My father is a XXXX Veteran, he's on XXXX XXXX ( 3 times a week ). Plus he is a XXXX XXXX. My mother is trying to get a company to help with to replace the XXXX air unit. We are trying to get caught up, but its been trying. We are able to XXXX payment. But the mortgage company wants all of back balance. I filled out papers in order to get a extention on the loan. I have not heard from til the letter I received yesterday by mail, that was on Monday XX/XX/XXXX, for XXXX 's payment. We are really trying. But we fell behind because we are trying to get a XXXX unit.
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I had a loan with XXXX XXXX which was turned over to XXXX. The loan was opened in XX/XX/XXXX, and XXXX has been calling me about payments. A few days ago, the loan was put on my credit report as opened in XX/XX/XXXX. What is going on with this company? They have also bern calling threatening to sue my mother who consigned on the loan. Help me.
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I had a loan with XXXX XXXX which was turned over to XXXX. The loan was opened in XX/XX/XXXX, and XXXX has been calling me about payments. A few days ago, the loan was put on my credit report as opened in XX/XX/XXXX. What is going on with this company? They have also bern calling threatening to sue my mother who consigned on the loan. Help me.
Consumer complaint received 2022-07-13
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I write them ask them to prove it because it wasnt me they havent, in 6 months, I have note and disputed it with all three credit companies an asked them to do the same thing no reason why it still there.
Consumer complaint received 2021-04-29
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 made many attempts to dispute the following accounts on my credit file ; these account do not belong to me. This is a case of stolen identity. I have asked Both XXXX XXXX XXXX and XXXX to send me proof that I opened this account. I have not received this proof. Perhaps you can get them to send you the proof. I have submitted them with an affidavit of fraud and I am including a copy of this affidavit. 

These are not my accounts : XXXX  XXXX XXXX - Opened - XX/XX/XXXX ; Balance {$4000.00} XXXX  XXXX XXXX - Opened - XX/XX/XXXX ; Balance {$2500.00} XXXX - XXXX ; Balance {$0.00}
Consumer complaint received 2022-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I write them ask them to prove it because it wasnt me they havent, in 6 months, I have note and disputed it with all three credit companies an asked them to do the same thing no reason why it still there.
Consumer complaint received 2022-07-26
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. (SC)

XX/XX/XXXX I received an alert from XXXX XXXX regarding an account open requesting me to validate. Clearly it was not mine so I filed a complain with XXXX XXXX who provided a loan of more than $ 100K to purchase a car, file 2 police reports one in XXXX and another one in XXXX  were the crime took place and same day I freeze all my credit reports with the 3 companies, and place fraud alerts. On XX/XX/XXXX I receive an e mail alert at XXXX from my XXXX XXXX lettings me know that they have block an inquiry with XXXX XXXX. On XX/XX/XXXX I call XXXX credit department as recommended by XXXX to ensure they had not provided any credit. 
I provided the background but here is the reason of my complaint. On XX/XX/XXXX at XXXX I received an e mail from XXXX letting me know that my e mail account had been changed. I called them immediately, as I tried to access my web services with my previous credentials without success, the CSR on the phone help me correct the situation, I question them HOW can it be so easy for anyone to change this type of information, she even provided me the reference of the phone number that called XXXX XXXX XXXX to make the changes. When she reestablished my account I notice that my credit report was unfreeze, so clearly XXXX doesn't have controls to protect our information. They only offer to have better protection was to buy there security services for {$4.00} per month " Good way to force the consumer ". I called Monday XX/XX/XXXX to file a complain and I couldn't because they don't have any records of this situation in their system? really? does this means that XXXX employees and involved in Identify Theft?. It gets better, the fraudulent bank account is not in my report anymore with them, but the bank hasn't clear it yet, how is this possible? I have like 10 hard inquiries on this issue that I have dispute more then 3 times on line and over the phone that they reject regardless that I have police reports. The other 2 companies are no different. BTW once I paid for the services, when I call they did now authenticate me with Biometrics and ask for ID. I really need help, I know doing the right thing is never easy, but it shouldn't be this difficult. I have spent more than 40 hours on this issues with all the government agencies involved.
Consumer complaint received 2024-03-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Aspen Yo LLC (NJ)

We where place in a loan modification by Gregory funding, we gave them XXXX dollars in XXXX and then XXXX dollars a month for 6 months XX/XX/XXXX to XX/XX/XXXX. During this time we are still receiving late payment charges and threats of foreclosure while in our loan modification. I have tried to contact them and settle this issue with no avail.
Consumer complaint received 2018-11-20
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: JPL Recovery Solutions (CA)

I had a loan with XXXX XXXX that has been paid off since XX/XX/2018. i have received zero communication from XXXX XXXX    to say I owed any money until this XXXX XXXX from JPL Recovery Solutions started calling non stop. Calling my ex husband, my daughters, my work HR. Lied to them saying I had released info to them when i had not. They are using aggressive tactics for a loan i do not owe.
Consumer complaint received 2019-09-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (TX)

This is so unfair! Its also unacceptable and unconscionable! 
The three NSF fees charged on XX/XX/XXXX were all for transactions that were completed when the account was positive - right after my payroll deposit was made on the XXXX of XXXX but due to a banking holiday - Labor Day - Chase accounted was pushed back by a day ... ..AND I HAVE TO PAY THE PRICE!!!! 
If any NSF fee should have been charged, it should have been for the {$480.00} transaction to XXXX XXXX ONLY!! 
This is highway robbery!!!!!
Consumer complaint received 2022-07-26
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. (PA)

There is currently an inaccurate item being reported on my credit report from XXXXXXXX XXXX XXXX I have never been late on this account and they furnished information to you stating that I was 60 days late during the month of XX/XX/2021 and 60 days late during the month of XX/XX/2021. Furthermore, they also claim that I have a balance of {$3000.00} left to pay and a High Credit of {$1500.00}. This information is false and incorrect. I have never been late on this account and I do not owe a balance on this account. I have contacted this company at the address listed on my credit report here : XXXX XXXX XXXX XXXX, CA XXXX. 
As you can see, I have uploaded a photocopy of my mail being returned from the post office due to an invalid address. Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate. 
Given that the furnisher has provided false information to you about me, and provided you with a false address, I demand that the item information is updated to no late payments and a {$0.00} balance owed.
Consumer complaint received 2018-11-20
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: TH Professional & Medical Collections LTD (IL)

I began attending a class at XXXX XXXX which was to be the final course for my degree ( s ). At week 5 of the course, only 1 assignment had been graded, which was a discussion board assignment, for which I only received 50 %. This has absolutely never happened throughout my entire college career as my discussion boards are always graded very high, usually at 100 %. I reached out to the instructor to inquire as to why I had been graded so poorly so that I could make improvements in the future. I never received a response. I further inquired as to my standing in the course as none of my other work had been completed either. This communication was not responded to either. I then called XXXX XXXX directly. The lady who answered transferred me to a voicemail, and that message was not answered. Due to these circumstances, I did not continue attending. XXXX is now attempting to hold me liable for the balance from this term and has sent my account to a collection agency, T-H Professional & Medical Collections. 

In XXXX, 2018, I contacted XXXX and informed them that I wished to formally dispute this account due to the above stated situation. Their version of an " investigation '' included obtaining a detailed billing from XXXX XXXX and speaking with XXXX to verify that XXXX believes I owe this debt. This is not an investigation. The mere fact that XXXX asserts that I owe this debt does not make it valid. The FCRA requires that the credit reporting agency VALIDATE a debt as accurate prior to reporting it on a consumer 's credit report. This burden has not been met by merely asking the original creditor whether, or not, they wish to continue collection on a debt.
Consumer complaint received 2018-11-20
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Navient Solutions, LLC. ()

XX/XX/XXXX To : Navient Cc : EU courts In response to your E-correspondence # XXXX, XXXX, XXXX and " 5.Lender 3 rejection.pdf '', I request that you put this loan in extended forbearance to give EU courts time to handle this case. The extension of three months is not enough time and, as you, yourself, stated before, the XXXX University XXXX XXXX ( XXXX ) lost its U.S. accreditation in XXXX. As of XXXX, MUL is not on the list of approved schools ( see the XXXX list ). Hence, the deferment option is not possible. 


In this letter, I want to also shed some light on the U.S. student financial aid system for EU courts. You wrote on XX/XX/XXXX : " We are not able to respond to any information or guidance provided by a customer 's school, financial aid advisor or other financial advisor. '' and then you argued that the student and its co-signer are responsible no matter what. 


For this loan to be processed and approved, by Sallie Mae Bank ( represented by Navient ), the signature of the school was required on a document called " loan certification ''. This flaw in the system allowed the school to demand, mis-guide and force the student to inevitably select Sallie Mae Bank. Although Sallie Mae XXXXNavient repeatedly claimed that they had no role, it is not credible. 


I and other students did prefer and did request for the better options delineated in your letter dated XX/XX/XXXX. Since it was only the school that could make the final decision, Sallie Mae Bank was the only option. 


It appeared that Sallie Mae Bank had signed an exclusive strategic deal with XXXX, which in turn was used to pressure students to buy this loan or face expulsion from the school. 


As for your reports sent to U.S. Credit Reporting Agencies, to threaten me and the co-signer, they are invalid, as this transaction happened outside of U.S. Territories, as per responses from the Consumer Financial Protection Bureau in the USA. 



Regards XXXX XXXX
Consumer complaint received 2018-11-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SUMMIT FUNDING, INC. (NC)

I have been working with a representative at my mortgage company to try and get a loan modification, I was sent paperwork and was told to send it back via fax, email or USPS. I was also told when the paperwork was received there would be a halt on the foreclosure until everything was reviewed. I spoke to the representative on XX/XX/XXXX and went over everything to make sure the paperwork was correct. I faxed the packet they sent along with my bank statements and pay stubs on XX/XX/XXXX, I have the confirmation page showing all 29 pages went through successfully. The paperwork was faxed to the number provided in the packet I received from them, that same fax number is on all of my mortgage statements. I called back within 5 business days as instructed and was then told that was not the correct number to fax. I didn't understand how it could be an incorrect number because it was the one listed on the packet. She said it may have been an old packet, however it says it was just revised on XX/XX/2018. I was then told to send the paperwork again via overnight certified mail. I am already in a financial bond, I sent the paperwork to the number provided by Summit Funding and paid {$34.00} to do it the first time. I feel like I am getting the run around and if this process isn't started soon I may lose my home.
Consumer complaint received 2022-07-26
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. (TX)

A creditor is currently reporting incorrect information to XXXX, Experian, and XXXX credit bureaus. I sent each credit bureau a letter on XX/XX/XXXX disputing the inaccuracies, however, their research into the disputed did not net the results I requested. I asked for original signed documents/applications associated with the account. I also spoke with the original creditor about the error but was ignored. The item shows up as XXXXXXXX XXXX XXXX on my XXXX report, account opened on XX/XX/XXXX ; the item shows up as XXXX on my Experian report, account opened on XX/XX/XXXX ; and the item shows up as XXXX on my XXXX report, account opened on XX/XX/XXXX. The company is reporting inaccurate information, as my wife and I did open an account with these companies on XX/XX/XXXX. As such, I've requested signed documentation that XXXX and XXXX XXXX opened an account with each of these companies on XX/XX/XXXX.
Consumer complaint received 2022-06-20
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-08-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (MS)

XX/XX/2018 XXXX XXXX added a collection account to my credit profile stated a delinquent account balance of {$4300.00}. I have no contract with XXXX XXXX and was not notified of any delinquency, via postal service, electronic mailing service, and or phone contact. My credit profile has been tranished and I would like said account removed and collections attempt void.
Consumer complaint received 2022-07-26
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. (TX)

A creditor is currently reporting incorrect information to XXXX, XXXX, and TransUnion credit bureaus. I sent each credit bureau a letter on XX/XX/XXXX disputing the inaccuracies, however, their research into the disputed did not net the results I requested. I asked for original signed documents/applications associated with the account. I also spoke with the original creditor about the error but was ignored. The item shows up as XXXXXXXX XXXX XXXX on my XXXX report, account opened on XX/XX/XXXX ; the item shows up as XXXXXXXX on my XXXX report, account opened on XX/XX/XXXX ; and the item shows up as XXXX on my TransUnion report, account opened on XX/XX/XXXX. The company is reporting inaccurate information, as my wife and I did open an account with these companies on XX/XX/XXXX. As such, I've requested signed documentation that XXXX and XXXX XXXX opened an account with each of these companies on XX/XX/XXXX.
Consumer complaint received 2018-11-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

I am a federal employee who has submitted certification for the loan forgiveness program. I received information when my loan was transferred to XXXX as the servicer in XXXX that I had only made 11 payments. I contacted them to let them know that I had been in repayment since XXXX and worked for the government since XXXX. They told me that it took approximately 12 months for the information to be loaded into the system. I contact XXXX after 12 months and was told that my account had been updated. I submitted another certification in XXXX so that the payments made in since my last certification could be reflected. The number of payments were 27 for one loan and 54 for another loan which was still inaccurate. The money for all my loans were ach debit as one payment so the number of payments should have been the same. Even if the all my loans indicated that 54 payments were made it was still incorrect. I should have 72 payments. I contact XXXX and was told that another request for a review was put in and it should be done byXX/XX/XXXX I was told by XXXX to send bank statements to prove that payments were made and I told them that I should not have to incur a cost to go to my bank to research and obtain bank statements going back to XXXX. I called XXXX again in XXXX and now I am being told that it will take between 12-18 months for the review to be completed. This is unacceptable and keep going on and on with no end in sight. I am entering my 7 year with the government and should not have to get denied when it is time to apply for forgiveness because they can not get there records correct.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hi Im having a lot of trouble trying to get a lil bit of help I am going thru hard times right now I got XXXX I am not working and I was just trying to get a lil something at least and nothing is letting me I been working since XXXX under my social and never took anything out besides my XXXX XXXX XXXX XXXX  that XXXX qualified me about XXXX and a half I got it on payments I put a XXXX dollar down i just need some help I even tried getting a loan and everything tell me the same Danm thing Im going to try a loan in person I need help asap Im XXXX I have pics of my XXXX checks if you need a picture just lmk Ill provide for you well what else can I say hopefully Im Abel to get sum help in person my phone # is XXXX contact me Ill be glad to provide anything for sum help thank you god bless you
Consumer complaint received 2018-11-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (CA)

Citibank On disclosure its marked no prepayment penalty but deeper in the document is a paragraph with Early Closure Release Fee so the charged us a fee of {$670.00} So if no prepayment penalty why a early closure fee?
Consumer complaint received 2018-11-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

This account was sold to a collection agency disputed & removed by the original creditor due to theft this account is Not mine, both companies have received a theft report but Portfolio recovery reported to my credit & sent no info to me or my attorney when requested a signed contract with the original creditor. I have no contract with Portfolio recovery also account with this company I am demanding this fraudulent account removed from my credit. I called spoke with a collector XX/XX/XXXX at XXXX XXXX XXXX XXXX & was given no mini Maranda which is required by the FDCPA {$1000.00} violation. Called again XX/XX/XXXX XXXX s/w another collection no Mini Miranda ( violation ) I was told they found my theft report but doesn't see the page with this account only the other account they removed? Both where on the same police report & theft report