davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I just received my credit report from Experion. Where they show my addresses of where I have lived, they are showing 2 different addresses at the same time which is incorrect. I have lived at one address since 1992, till present. Can this be corrected?
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (AL)

Navient is incorrectly reporting deferment status for my student loan. I am in an 8-year XXXX   program at an accredited university with automatic deferment ; however, Navient is reporting that my deferment is only until XX/XX/2019. Not sure why Navient chose not to correctly report my deferment period. I have applied for credit, and the creditor is reporting that my student loan with Navient is due at the end of XX/XX/2019 and not in deferment.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

i want to freeze my credit with EQAFAX and they make it impossible either online or talking to automated ai or even talking to a real human. this is a billion-dollar corporation that obviously doesn't want you to freeze your credit. there was no problem with XXXX or XXXX. the first time was in XXXX and then twice today.
Consumer complaint received 2019-04-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

I never had a problem paying my mortgage payments and had received a loan modification from XXXX XXXX XXXX. However, when my loan was transferred to Specialized Loan Servicing, my mortgage was in limbo for six months and I could not make my payments. This caused my loan to become delinquent and SLS is unwilling to work with me to fix my mortgage issues. After XXXX gave me a modification a few years ago, I made my payment on time for three years. Then out of the blue, XXXX transferred my loan, but they could not tell me where it went. I finally received a mortgage statement from SLS six months after the transfer, but when I contacted them and tried to pay, they had added foreclosure and late fees and I could not make the entire payment. Since that time it has been a nightmare trying to get them to unwind the foreclosure and get my loan back to a current status. There is a sale date on my property and I may lose my home through foreclosure on XX/XX/2019. I should have never become delinquent on my mortgage in the first place, but I was advised to stop making payments on my mortgage when I was with XXXX so that they would work with me. I should have never followed their advice, since my mortgage balance had gone up significantly. After six months of working with their Loss Mitigation Department, they gave me a modification that I could afford and I was happily making my mortgage payments. However, when I tried to make a payment one day, I just got a recording stating that my loan was going to be transferred. When I spoke with their representatives, they had no idea where my loan went. I tried to get things sorted out with SLS and perhaps get another loan modification, but after a very long time of dealing with SLS, they said I already had my loan modified and there was nothing they would do. This is very unfair as I never have had a problem paying the mortgage for many, many years and now they are going to take my home away. Please help me with SLS and save my home.
Consumer complaint received 2019-04-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CT)

We have been fighting with Wells Fargo for over a year now they did not go about it in a professional way to let us know we were in danger of a foreclosure they say they did but we didnt recieve anything because if we did we would have acted sooner and taking care of everything sooner and its because of them that we fell more behind because our mortgage wasnt behind by much when we called to do a loan modification and gave us the run around and said we have missing paperwork when we faxed it them, mutilple times and we think its funny that everytime we tried to make a payment during the process they said we couldnt and every person we ever talked to would mysteriously disappear and wouldnt be working there anymore which I believe is shady ...
Consumer complaint received 2022-09-16
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc. (NY)

In accordance with the fair credit reporting act according to account # XXXX, has violated my rights. 
5 U.S.C. 1681 section 602 A.States that i have a right to privacy.

5 U.S.C. 1681 section 604 A. Section 2 : it also states that a consumer reporting agency can not furnish an account with out my written instructions. 
5 U.S.C. 1666B : A creditor may not treat a payment under a credit card account an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TN)

This problem is well documented under claim " XXXX XXXX Delivery Damage : XXXX '' and associated with the damages and delayed resolution on Order ( s ) XXXX and XXXX. 

Payment was withheld while we waited for Comenity Bank/XXXX XXXX to process a {$4600.00} credit and for XXXX XXXX 's insurance company ( XXXX ) to provide a {$850.00} check due to delivery damage to our home. 

Comenity Bank, despite the documentation and consistent communication mentioned above in their " Secure Message Center '', submitted an erroneous delinquent account alert to the credit reporting agencies and sent the account in question to collections.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2019-04-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CO)

In short, on XX/XX/2017, we submitted a complete Mortgage Assistance Application to Wells Fargo. The fact that it was complete was verified by Wells Fargo on XX/XX/2017, both by email being sent at approximately XXXX and by letter postal metered as of XX/XX/2017, but dated the same day. Wells Fargo made the first notice or filing required by applicable law for any judicial or non-judicial foreclosure process. This was also done on XX/XX/2017. We also see on your website under the " Official interpretation of 41 ( f ) Prohibition on foreclosure referral. '' that this should be seen this way. Wells Fargo sent a letter of denial dated XX/XX/2017, but postal metered as of XX/XX/2017. This shows that 12 CFR 1024.41 has clearly been violated. Up until just today, we were under the impression that these were FHA regulations that the FHA should enforce. We only happened to come across your site showing this regulation as if you were the ones responsible for enforcing it. This is not a small matter. Wells Fargo has been engaging in deceptive and misleading communications and outright lying to proceed with the foreclosure. This has been a consistent and ongoing effort on their part, where their actions should most definitely be considered to be breaching an Implied Covenant of Good Faith and Fair Dealing, predatory, unconscionable and illegal. These activities are also in direct violation of Colorado Revised Statutes, specifically CRS 38-38-103.2. While it is true that this portion of the law does allow for the continuation of the sale, in general, it does not specify an exemption to CFPB rules. Instead, it provides rules that provide protections that may not be available to homeowners otherwise where CFPB rules may not be in scope. One of the things it clearly states is that " A servicer is subject to the time limits and other requirements of federal law and CFPB rules in connection with a foreclosure under this article. '' CRS 38-38 is the exclusive section that deals with foreclosures of the nature Wells Fargo continues to pursue. More comprehensive detail can be found in on PACER under the United States Bankruptcy Court for the District of Colorado, under Adv. Proc. No. 19-01093-TBM. An abbreviated version of  the documents supporting this claim are attached.
Consumer complaint received 2019-04-07
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc. (CT)

Dear Nelnet Inc. 

You are representing XXXX in the aforementioned account XXXX listed under XXXX XXXX. Mr. XXXX has advised your company in previous complaints against XXXX XXXX that the accounts where in dispute prior to you receiving them for servicing. After reviewing the promissory note you claim that is verification of the deficiency balance. You also claim that you had sent Mr. XXXX copies of the payment history on this account. You ( Nelnet ) and XXXX have purposely devised misrepresentation of material facts. The documents I have been provided by MRXXXX XXXX clearly state that you are the student loan corporation using Nelnet systems. 

You claim this is a legitimate claim, however when you had sent the loan to XXXX XXXX they returned it back to you finding errors and your collection attempts and validation request was denied. You attempt to collect this debt although Mr. XXXX had disputed this account with XXXX XXXX violating provisions of the FDCPA. 

You are required by law to provide full validation, a promissory note is not sufficient for full validation request pursuant to section 623 of the FCRA. 

This debt is disputed and a request is made to notify the data furnisher of disputed information on XXXX XXXX XXXX XXXX. 

This claim is for the following creditors, servicers for a private student loan originating XXXX and XXXX from XXXX XXXX. A XXXX Assist student loan. Please verify with thXXXX National Student Loan data systems that this loan was dispersed to the institution attended.
Consumer complaint received 2019-04-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Specialized Loan Servicing is attempting to take my home away through foreclosure. I am severely XXXX and have nowhere to live if they kick me out of my home. It has been a ten year struggle to try to get them to work with me to obtain a reasonable payment plan, restructure loan or loan modification, but can not seem to get any favorable results. All they do is send me to mediation where their evil attorneys attack me as though I have done something illegal. All of my attempts at working with them in a fair and transparent negotiation, have resulted in me facing their attorneys. I have never had a review for retention options and their legal shenanigans have cost me an unbelievable amount time, money and trouble. They have made some offers which I would gladly accept, but we have never been able to consummate the deals. Each time I contacted them to move forward with a review that would get me into a reasonable mortgage payment, SLS has backed off and we ended up back with the mediator or back in court. I no longer trust them because of how they have treated me throughout the years. I truly need SLS to engage in a fair and transparent negotiation and to review my circumstances for some sort of workout option using my current financial situation. I have enough income to resolve this matter and make things work, but SLS needs to come to the negotiation table in good faith and leave the attorneys in their offices. As it stands now, my interest rate is at 11 % ( when others getting 3-4 )!!! I am simply looking to be treated fairly and live in my home for the rest of my life.
Consumer complaint received 2019-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (AR)

My Chase credit card was stolen XX/XX/XXXX, followed by approximately {$2200.00} of charges within the day or maybe next day ( plus about {$200.00} of bank fees ). None of the charges were made by me. I reported the card theft to Chase that day, and the charges were adjusted off on my XXXX statement, showing a zero balance ( showing {$1400.00} cash advances before the adjustments ). Then, on about XX/XX/XXXX, I received a call from an employee of the fraud unit that informed me that those charges plus another {$780.00} of cash advances plus various service fees were being added back to my account. I explained that I had not made the charges, which led to a brusque accusation that since my PIN was used and she could not figure out how that could have been done by anyone else, I " had received benefit from this transaction. '' The only way to avoid it was to prove that I had not used the card. Since my 78 years of integrity and several years as a Chase card member was not sufficient proof, she said there was nothing she could do. I still do not know how anyone can prove a non-action. So, my XXXX statement showed all the charges, plus more service fees. I made the minimum payment, which was then reflected on the XXXX statement along with more service fees ; I made another payment on the XXXX statement. In the meantime, I also disputed the charges by letter with the executive in charge, which led to a curt reply from a person who claimed to be a representative of the executive unit and the final authority on any appeal, who stated that the prior action of the fraud unit was confirmed and that I had no other recourse. ( Through all this, I still have not seen the detail of the charges that were added after the XXXX statement, so I do not know when they were made. ) I am shocked at the total disregard of my statement that I did not make the charges as well as the subsequent arrogance and stonewalling of the fraud unit and the executive unit. How can Chase be allowed to prey on people who have no way to defend themselves! I initially thought I was being singled out but now realize after seeing many similar complaints on the CFPB data base that this is a common practice engaged in by Chase.
Consumer complaint received 2019-04-07
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Diversified Consultants, Inc. (ID)

Every morning Monday through Friday I receive at call at or around XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX at XXXX XXXX. Monday XX/XX/XXXX I was called at XXXX. Tuesday XX/XX/XXXX I was called at XXXX. I had called them near noon multiple times and told them that they are not allowed to call me before XXXX. They immediately ignored my complaint and began trying to argue that I need to verify and set up a payment plan. The company name is Diversified Consultants.
Consumer complaint received 2020-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

1. Accounts XXXX ; XXXX ; XXXXare duplicate 10 year old accounts that report payments received in 2016 not by me, to re age accounts and have not giving proper method of verification of inaccurate reporting.
Consumer complaint received 2021-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After reviewing my credit report, I noticed some unauthorized inquires reporting and It really impacted my score. These companies have not responded with any updates on the investigation. I have took matters into my own hands and filed a complaint through the FTC. The report number is XXXX This goes against the FCRA guidelines. I need these removed so I can actually apply for a line of credit on my own. Having these inquiries reporting are hindering and will make it really hard for me to get approved. I have attached my identity theft report along with my identity documents for verification.
Consumer complaint received 2021-02-09
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: Bread Financial Holdings, Inc. (NY)

I would like to formally request a letter to CCB/XXXX  XXXX stating that the " missed payment '' on my credit report be removed as the account was in dispute at the time due to various factors including the Covid - 19 pandemic. I notified the bank several times that the dental office had taken your money and had not provided me with the services that you were billing me for. At the time, there was not even set a future date to deliver the services, but I was continuously being billed for the unearned revenue. My account has since become current, but my dental work is still not complete, and the aforementioned missed payment is adversely affecting my credit score. I am filling this complaint so that my credit history can be fixed.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I fist requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported in violation of the FCRA and FDCPA early in XXXX. I contacted you again XX/XX/XXXX about THE SAME issue. XX/XX/XXXX your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. You said these accounts were verified as accurate. Per the FCRA all information reported has to be ACCURATE, COMPLETE AND VERIFIABLE. You verified these INACCURACIES AS ACCURATE!!! HOW?!? This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. 

I requested XXXX  XXXX XXXX be removed from my credit file because 1. they are reporting 3 different dates last active ; TU XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. XXXX. They are reporting different last payment dates Transunion reports XX/XX/XXXX and XXXX  XXXX/XXXX. 3. They are reporting different payment activity history. Furthermore, there should be no payment activity being reported after the account is closed, this alone is in violation of the FDCPA. Why would there be payment activity on a charge off account? Are you deliberately trying to punish my score?
Consumer complaint received 2019-04-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (TX)

In XX/XX/2017 an auto loan was taken out I found out through credit report and thorough XXXX.The car was Registered in XXXX.bith states I don't live in or ever have.i showed police the ID used after getting copy from dealer vs my license.This individual has a few social and id they have been using to obtain goods and services.i provided proof of residency to this company along with multiple police reports showing this was not my loan, nor do I live where this took place. I do not have an account number.my last 4 of my social are XXXX
Consumer complaint received 2021-02-09
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: EQUIFAX, INC. (AZ)

On XX/XX/2021, I requested with Equifax to investigate and delete the inaccurate information from my credit report. 

As you are well aware, federal law requires a credit reporting agency to respond within 30 business days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act.
Consumer complaint received 2021-02-09
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. (NV)

I received an updated copy of my credit report and I still show listed with in public records a bankruptcy which continues to be listed inaccurate and or not verified. I have since on multiple attempts have forward documents that relate that no such reporting has been given and that alleged third party data furnishers without my consent and or the credit bureaus continue to listed this information.
Consumer complaint received 2022-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2019-04-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

I have a private loan with Navient from XXXX - XXXX with for-profit college. have worked with them as long as i can but was unable to make payment. was on low interest catch up payment plan I could handle. trying to renew reduced interest repayment plan that was up in XXXX. was told ended in XXXX was told payment of XXXX would remain the same. XXXX bill comes as increase XXXX payment on auto draft.