davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (IL)

I am contacting your office to file a complaint against Lakeview Loan Servicing. They have taken over my FHA mortgage loan from XXXX XXXX and have been difficult to deal with. Our family went through some hardship and temporary loss of income and missed some payments on our FHA loan and have been trying to fix the problem with Lakeview. The issue is that we keep getting transferred from one person to another at Lakeview and they have failed after several months of trying to open any type of review of our information for a workout. I know that there are supposed to be several different programs available for homeowners who are struggling with FHA loans, but Lakeview Loan Servicing is not giving us a chance to be considered for any of these programs. Instead they are difficult to communicate with and seem more interested in pursuing foreclosure than in trying to work with me to fix this problem. <P/>I live in this property with my husband and son and daughter in law and their XXXX children. I was able to buy this property and qualify using my monthly income from my position as a XXXX XXXX, but the plan was for my son and his family to contribute towards the monthly household bills in order to make things work. Unfortunately, not long after we closed the deal my daughter in law lost her job. I held things together for a few months but soon was in a position where I would default on this loan with XXXX. I contacted XXXX and was put into a trial plan and I began making these payments with the expectation that my daughter in law would find work but she did not and I was not able to fulfill the trail modification payments. As a result I was kicked out of the offer. <P/>A few months later our financial situation changed and improved and we began trying to get XXXX to work with us. We then found out that our loan had been transferred to Lakeview Loan Servicing. I  began trying to contact them in order to make this situation right. I was told that they would not accept my regular mortgage payment, and that the only thing I could do was to repay all the late payments and attorney fees and late fees all at once. This was not possible. <P/>Their agents told me they would open a review of our case, but then our point of contact kept getting changed and it seemed that we were constantly getting the runaround. We could not make any progress and I dont think a review of the current and correct financial information was ever conducted. As a result, we are now falling into foreclosure. <P/>I dont know why Lakeview Loan Servicing is denying me access to these FHA programs. Why is my family not being reviewed for a partial claim, forbearance agreement, repayment plan, restructured loan or another modification? I dont understand why I cant even get a straight answer out of their loss mitigation department.
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (LA)

Comenity Bank/XXXX failed to give me proper validation of this debt. 

I mailed Comenity Bank/XXXX a debt validation request on DATE certified mail # XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-27
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: CORELOGIC INC (NV)

I used the company to see if my credit was high enough for their services XX/XX/XXXX, then on my credit report it showed two hard inquiries another one on XX/XX/XXXX and I don't recognize the second inquiry. and that put 4 hard inquiries on my credit report and that's costing me points. I tried to contact them but their are to many companies with that name.
Consumer complaint received 2018-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Amsher Collection Services, Inc. (CA)

Used to work forXXXX XXXX XXXX XXXX XXXX for XXXX. Was convinced to switch told service would work at my house and if it did not that I would not be charged cancellation fees or any other things. So I switched back about XXXX of 2018 Service did not work at my house so I canceled, payed and closed the account. Went to buy a car today and saw that I had a {$560.00} collection from XXXX. Was never notified of any debt or received any telecommunication mail or other communication types. As soon as I was aware of the debt I paid it ( today ) XXXX-18 confirmation # XXXX
Consumer complaint received 2018-10-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nevada Credico, Inc. (NV)

I received calls numerous times by this and other phone numbers asking to pay a debt from pharmacy. 
When I try to get more information as to what exactly I was charged for, where is the receipt, etc. they just close the line. They call my friends phone numbers too.
Consumer complaint received 2022-02-17
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. (MI)

My name is XXXX XXXX XXXX and I am sending this complaint to TransUnion. It was the result of their non-compliance to my request and for their refusal of getting the items listed below to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance : {$13000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$220.00}
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (MD)

I had a past loan account with Navy Federal Credit Union. I was late on the account and it was reported as such. I later was able to refinance the loan with Navy Federal Credit Union. As a result of me refinancing my original loan ( still with NFCU ) NFCU created a new loan, new account number with updated terms of the loan. Unfortunately, NFCU reported the exact negative information that was reported in the original loan in the newly refinanced. <P/>This is not accurate. My credit report with all 3 reporting companies XXXX, XXXX and XXXX  for several years continue to report that I had to loans with NFCU and both have the same late history being reported. <P/>I have disputed the information with each of the credit reporting companies with no resolution. I have contacted NFCU personally and enlisted the help of a credit repair company but none of my actions have resulted in a positive update to my credit report.
Consumer complaint received 2019-05-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: REGIONS FINANCIAL CORPORATION (GA)

I had three transactions that were presented to the Bank when the bank account had a positive posted balance and a positive available balance. The next day, two of the transactions cleared the account. On the same day, a fourth transaction was presented that took my available balance negative, but not my posted balance yet. They charged insufficient funds fees on the two transactions that were presented when the available balance was positive and that cleared when the posted balance was positive. Then on the next day the 3rd and 4th transactions cleared my account, and solely because of the fees, I no longer had funds to cover the 3rd transaction. They were justified in applying a fee to the fourth transaction. But the first 3 fees were completely unjustified. After speaking with them, they admitted that is how they handle the fees and as a courtesy, they refunded 1 of the 4 fees. The fourth transaction was for {$12.00}, and would have dropped my account balance to $ ( XXXX ). They have charged me {$98.00} because of this.
Consumer complaint received 2017-06-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WI)

I submitted the request for an income driven repayment plan 4 months ago and it has still not been processed. I have called Navient multiple time to resolve the issue and to no avail it has still not been processed. Navient has mixed up the paperwork with another request I submitted for consolidation which was cancelled, told me that they lost track of the request and would resend it to their processing department, lost it again and then confirmed with their processing department that everything needed was submitted and then put a rush on the processing, and now they have denied it stating they ca n't use the  XXXX  as proof of income due to a new Federal rule that went in effect in  XXXX  ; even though this was all submitted well before that date and they just failed to process it. This is a major financial hardship for me and they continuously make up excuses to draw out the process.
Consumer complaint received 2018-10-26
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: AVANTE (FL)

XXXX XXXX XXXX REASON IS EXPLAINED BELOW XX/XX/XXXX AVANTE USA REASON IS EXPLAINED BELOW XX/XX/XXXX DXXXX XXXX REASON IS EXPLAINED BELOW XX/XX/XXXX XXXX XXXX REASON IS EXPLAINED BELOW XX/XX/XXXX TO WHOM IT MAY CONCERN, This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named federal law. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for at least the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, then by law all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Regards,
Consumer complaint received 2023-03-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to the negative items listed on my credit report. Specifically, I would like to address the following accounts : XXXX XXXX XXXX - Account Number : XXXX I have noticed that you have reported this account as updated, however, the same incorrect information is still being reported and nothing has been updated. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) as inaccurate reporting is not allowed. I would like to bring to your attention that the reported late payments are inaccurate and I request that you remove them from my account as soon as possible. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX - Account Number : XXXX Similarly, I have noticed that you have reported this account as updated, but again, the same incorrect information is still being reported and nothing has been updated. This is also a violation of the FCRA. I would like to request that you remove the reported late payments from my account as soon as possible. 

I believe that the inaccurate reporting of these late payments is having a negative impact on my credit score and financial well-being. As a consumer, I have the right to accurate credit reporting under the FCRA. Therefore, I kindly request that you take immediate action to rectify this matter and update my credit report accordingly.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

A critical issue arose regarding the reporting of charged-off accounts by XXXX XXXX XXXX  XXXX XXXX XXXX XXXX as well as the failure to provide the required Form 1099-C for the canceled debt. Despite explicit requests, XXXX XXXX XXXX XXXX failed to provide the necessary documentation. As per IRC Section 6050P, the issuance of Form 1099-C is mandated for accurate reporting of canceled debt. The reporting inaccuracies have the potential to impact the accurate reporting of canceled debt on the income tax return. 

Regarding the reinsertion of information, Experian and XXXX, both credit reporting agencies, violated provisions of the Fair Credit Reporting Act ( FCRA ) by reinserting deleted information without proper notification and by not providing detailed information regarding the verification process. It is requested that Experian and XXXX provide proof of how they contacted to verify the information and the specifics of the information provided. Additionally, the name and occupation of the person who initiated the request to validate the concern, as well as the individual who replied to the credit agency, are requested for documentation purposes. 

Dates, amounts, and actions taken include : A request made to XXXX XXXX XXXX XXXX for the issuance of Form 1099-C. 
Failure to Provide Documentation : Despite previous requests, XXXX XXXX XXXX XXXX did not provide the necessary documentation. 
Legal Provisions and Regulations : Numerous legal provisions and regulations, including sections of the Internal Revenue Code, Fair Credit Reporting Act, Fair Debt Collection Practices Act, and others, were cited to emphasize the importance of compliance. 
Reinsertion of Information by Experian and XXXX : Experian and XXXX reinserted deleted information without proper notification and failed to provide detailed information regarding the verification process. 
Request for Documentation : Request made to Experian and XXXX for proof of the verification process and details of information provided. 
This information is intended to be sent to the relevant companies involved for resolution.
Consumer complaint received 2019-05-09
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. (GA)

Equifax is reporting a corporate business account on my personal credit report. this is NOT my account, I never authorize this account. I have requested signed verification and proof that the account belongs to me however all they send is a generic letter noting " we verify account is valid '' with no backup. I wrote XXXX XXXX at the Executive Office of XXXX on XX/XX/2019 requesting proof and verification that the account is mine. They responded with statements for a corporation name XXXX XXXX XXXX, this is NOT my company. I send Ms XXXX another letter on XX/XX/2019 letting her know that this is not my company and again requesting proof and verification as required under the Federal Fair Credit Reporting Act ( 15 U.S.C. Section 1681 ). To date I have NOT received any respond to my second letter. It has been way over the 30 days require by law.. This is clearly a violation of the Fair Credit Reporting Act. For months I have been trying to get this resolve. Equifax has yet to provide the proper proof of verification require by the Fair Credit Reporting Act however they continue to report accounts on my credit report that is unverified corporate BUSINESS account and NOT mine. This has affected my ability to get a job, to get credit, to get my professional certification to help better my life. This has made it extremely difficult for me to provide for the basic needs for me and my family. I am in desperately in need of your help to get this company to remove the unverified accounts from my person credit report. They do not care how this is affecting me despite the numerous times I have reach out to them.
Consumer complaint received 2017-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Identity theft occurred because of my job through a breach of security with the Federal Government. Received a letter from OMB XXXX XXXXXXXX stating my ID along with other information had been compromised. Someone has been testing trying to get credit or some other use of my ID. I have tried to contact both the creditors & the credit Bureaus without any result. it has affected my credit score greatly. I have on several occasions sent letters to no avail to fix this problem. The bureaus refuse to help & say that has been verified. I would like to know how? Equifax, XXXX, XXXX will do nothing to help.
Consumer complaint received 2023-03-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2019-05-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

I currently have XXXX XXXX XXXX store credit card. In XXXX I logged in and paid my " current balance '' as listed online. Not my statement balance. I was attempting to pay the balance in it's entirety. In XXXX I was assessed a XXXX fee. And then XX/XX/XXXX I was assessed a XXXX late fee on the XXXX " minimum interest charges '' well then interest on XXXX is XXXX. So I bit the bullet and paid the late fees for XXXX and XXXX and on XX/XX/XXXX I logged in and paid the listed online " current balance '' of XXXX ( which included marches late fee ). Then again on XXXX XXXXthe they charged me another " minimum interest charges fee '' interest on XXXX is XXXX! So I have since accrued late fees on this XXXX dollar interest fee. I have paid this account off multiple times and they continue to change me fees after I pay listed " current balance '' online. I can prove per my online account activity that this is happening. I called to try and explain to them that I just want to pay this off.. I pay off the balance they assess a fee.. I pay off the balance they assess another fee. At this rate I will never be able to pay this balance. They give me no options.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

identity theft on my credit report 15 U.S. Code 1681 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2018-10-26
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (NY)

Hello, I am dealing with a serious fraud issue with someone. He took out a mortgage loan, originally {$420000.00} it is now {$470000.00} with myself as co-signer about 10 years ago. He was supposed to take me off this loan after a short while and make payments on the house in XXXX N.Y. XX/XX/XXXX was the very last payment he made on the house according to my credit report. And he has not paid a dime since! my credit has suffered tremendously and I want to be removed off this loan and I have asked him multiple times over the years. 

I went into TD bank today ( Friday ) in XXXX and spoke to someone who advised me to contact the Credit Bureau and the FTC ( federal trade commision ) and also to seek legal advice. She said I can refinance to be off the loan but to my knowledge I was taken off the house but left solely on the loan ruining my credit. He refinanced XX/XX/XXXX according to XXXX XXXX without my knowledge or consent. I am under the impression that I have to be present to sign documents and I was not. This is fraud!! My credit score went from XXXX to XXXX because of the mess. I just want my life and credit back so I can apply for my own loan for a home with my Fiance '. I have been dealing with this for a few years and gave him countless opportunities to fix it. I have addition information if needed like names, addresses for example. Please reach out at your earliest convenience. Thank you.