davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (UT)

I have a XXXX mortgage serviced by Flagstar Bank XXXX XXXX XXXX XXXX, XXXX, MI XXXX. My husband and I have struggled to pay our mortgage through the Covid19 Pandemic due to my job loss and subsequent income loss, and was able to put our mortgage payment on pause for 18 months. At the end of the 18 months, Flagstar Bank offered to do a mortgage modification with them, which we accepted around XX/XX/XXXX. Also, on XX/XX/XXXX, in anticipation of modifying our mortgage, we told Flagstar Bank representatives that the co-borrower recently changed his name, and that we have a court order to show that. They told us to upload it to their website, which we did in XX/XX/XXXX, and they told us they would change his name with this documentation, and then send us the proper mortgage modification documents to sign with the full legal name of the new co-borrower 's name. However, it has been 6 months now and countless phone calls with Flagstar Bank representatives and still the co-borrowers name has not changed on the loan to the new full legal name of the co-borrower as shown in the court order uploaded to Flagstar Bank 's website. Flagstar Bank representatives and managers have been telling us during countless phone calls since XX/XX/XXXX that the name will be changed, and the mortgage modification documents to sign with a notary will be sent to us. They have sent us 3 mortgage modification documents since XX/XX/XXXX, and each set of documents has the incorrect, old spelling of the co-borrower 's name on them. So the notary can not verify properly the co-borrower when we try to sign the modification documents. So now, here we are XX/XX/XXXX, and the co-borrower 's name is still not changed, and they decided to end and close the mortgage loan modification offer, and we are absolutely irate that we can not take this loan modification that they offered us with the interest rate they promised us, simply because Flagstar Bank will not change the co-borrower 's name to the official legal name as shown on the court order that we uploaded to them and confirmed that they received it in XX/XX/XXXX. We need someone to help us, because they are completely incompetent and we cant get them to proceed with the mortgage modification. they just decided to close the mortgage modification because they cant seem to figure out how the change the co-borrower 's name.
Consumer complaint received 2019-03-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Card Receivables Fund Incorporated (NY)

On XX/XX/XXXX, I sent Unifund a letter for VALIDATION of said debt they are reporting on my credit report. The company responds on XXXX XXXX with a verification of debt by some copies of old bills. Upon further research, this by law is not a valid way to validate a debt with the way technology has advanced and anyone could be getting these bills via electronic bills and not paper. So I again sent a letter to Unifund on XX/XX/2019 highlighting I am asking for a VALIDATION of debt, not a verfication. They again sent the same information on XXXX XXXX as the first time which I will enclose on this complaint. 

I have a right to ask for validation of said debt pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. 

I am asking now you to help me either obtain this validation to said debt or the immediate removal of this debt from my credit report.
Consumer complaint received 2022-07-08
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. (MD)

I did not benefit nor authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, Pursuant to 15 USC 1681b ( a ) ( 2 ), I did not give Equifax permission to furnish this information onto my consumer report. This is a violation of the Fair Credit Reporting Act Section 15 USC 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.
Consumer complaint received 2023-01-31
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. (CA)

Per the IRS, charge offs and other cancelled debt is considered taxable. The creditor is XXXX  to report all charge offs, canceled, or forgiven debt via a XXXX. I have never received this form from the company, and I would like to, in good faith, give them a chance to send the XXXX to IRS before doing so myself. 

Furthermore, this complaint is to inform Experian and XXXX that Charge offs are considered INCOME, taxable income, that must be reported ; and income should never be disclosed on the consumer credit report
Consumer complaint received 2018-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consolidated Management Group, LLC (CA)

I saw a collection on my credit report by XXXX. I had already paid my school what I owned them. When contacting them on XX/XX/XXXX I informed them and they refused to remove it from my report. I informed them they were reporting it a debt paid and they did not collect the debt. I asked both the person who answered as well as the manager. Did you collect the debt? She just have a contract with the school. I asked again You have this on my credit report as paid to you. Did you collect the debt? Same answer this time she was being an XXXX and goes " Did I collect the debt personally ''. Also their letter they send out to people has a XXXX number. Basically on purpose forcing someone to call their XXXX area code number. I contacted the school and they even cleared the debt so there is no debt for this XXXX company to collect not can they legally report it on any of my three credit bureaus. 

Trying to select XXXX is says do not use.. The company I am is XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX @ XXXX
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WA)

I pay {$450.00} per year for Amex 's consumer credit card, the XXXX XXXX XXXX  card. The terms of the card is that in return, I will receive a XXXX point free night certificate every year between 8-12 weeks of my account opening. I opened this credit card on XX/XX/XXXX, which Amex has confirmed and acknowledged. XX/XX/XXXX was my 1 year account anniversary. 12 weeks, the maximum time a customer should have to wait to receive the certificate, was XX/XX/XXXX. I STILL have not received the free night certificate, which was promised to me per the terms of paying this high annual fee. I have tried to escalate my case with Amex, and they brush me off saying my dates are wrong, work it out with XXXX, etc. 

Their customer service reps are awful and can't resolve my case. I'm holding up my end of the bargain. Why is Amex dishonoring the terms? As a result of their tardiness, I'm unable to book the hotel that I'd planned to use the free night certificate for. I'd have been better off never paying for this card 's annual fee in the first place and booking my hotels on time!
Consumer complaint received 2018-09-12
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: PLANET HOME LENDING, LLC (NJ)

As Per my last CFPB Complaint id no. : XXXX My mortgage co Planet home lending Mortgage loan no. XXXX for XXXX XXXX, agreed to correct the 120 days late reporting for XX/XX/2018 payment on my credit report, which was done for few days and was again reinserted 120 days late for XX/XX/2018 payment on my XXXX  credit report, i waited for 30 days for this error to be corrected but it did not happen causing some of my credit cards to be closed because of this error. 
i would like Planet home lending to correct the error with XXXX and have XXXX  send me the updated copy of credit report with correction.
Consumer complaint received 2018-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

on XX/XX/2018 my information was inaccurately or fraudentley ran by XXXX XXXX which reflected a hard inquiry with Transunion. I've attempted filed multiple disputes by phone and i was constantly told to contact XXXX XXXX. i contacted transuion several times again by phone to dispute the unauthorized inquiry because XXXX XXXX denied my request for a letter of deletion like transunion told me to ask for
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LOAN TO LEARN (CA)

Date Opened : XX/XX/XXXX Creditor : Loan to Learn, aka " LOANTOLEARN '', aka " LOAN TO LRN '', akaXXXX " XXXX XXXX, XXXX '' High Credit : {$20000.00} Bureau Code : Co-Signer Collection Agency : XXXX XXXXXXXX XXXX XXXX Issue # 1 : The creditor is reporting the same ( {$20000.00} ) account twice. There was only ( ever ) one loan, but the creditor is reporting as if it's two separate loans/accounts. 

Issue # 2 The account was opened in XXXX, went delinquent, and ultimately the creditor obtained a court judgement in XXXX. I'm under the impression that negative accounts could only report for 7 years. If this account was bad in XXXX ; why is it still reporting on my credit report.
Consumer complaint received 2019-03-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

Navient has continuously charged usurious interest and has not applied payments toward principle. We have paid more than {$40000.00} interest on a {$46000.00} loan over a period of twelve years.
Consumer complaint received 2018-09-12
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. (IL)

I contacted this school several times to validate the remaining debt from this loan with collection agency. i also contacted the debt collector multiple times. my credit reports are reflecting that i paid 100 % of this debt in full, yet i'm being harassed to pay additional money which isnt accurate at all
Consumer complaint received 2018-09-12
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. (IL)

I contacted this school several times to validate the remaining debt from this loan with collection agency. i also contacted the debt collector multiple times. my credit reports are reflecting that i paid 100 % of this debt in full, yet i'm being harassed to pay additional money which isnt accurate at all
Consumer complaint received 2022-07-08
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: CarMax, Inc. (IL)

This account was added to my credit report in 2019. I Went to the police got a police report, Ive contacted Carmax to get the situation resolved, Ive sent the police report to XXXX, XXXX XXXX XXXX. It was taken off each credit bureau except for XXXX. For over a year Ive sent in multiple police reports, FTC reports, dispute letters and affidavits they are refusing to remove this unauthorized account from my credit report. The account is showing closed but has a passed due balance.
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a request to Trans Union on XX/XX/XXXX, asking them to correct errors on my credit report. They were supposed to investigate the errors and respond within 30 days.
Consumer complaint received 2019-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (UT)

In XX/XX/XXXX, Credit Collection Servic was added to my credit report for a past due account which was opened on XX/XX/XXXX claiming to be an outstanding balance from XXXX XXXX of {$420.00}. Four years later, without written knowledge or fair warning, the collection showed up on my credit report. As I was not notified within 30 days by any form of communication that this was an outstanding debt to be paid, this is a violation of the FCRA. I believe that this is either a fraudulent debt that was initiated without my knowledge or consent, or Credit Collection Servic is scamming unknowing individuals to pay an unfair and deceptive debt. I've attempted to dispute the information with the credit bureau and the only thing that was changed was the date on when the collection was due. I believe that Credit Collection Servic is in violation of the FCRA.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The credit bureaus especially and most specifically XXXX has allowed inaccuracy from reporting agencies onto my credit they're also seems to be a discriminatory process taking place with XXXX for instance their XXXX boost is not made available to all customers it is selected or given according to race their concluded that I'm XXXX  and have for no good reason continually disconnected my account from being able to receive the XXXX boost option they have also made it impossible for contact when my social security number is entered their phone options become inoperable... The reporting agencies Equifax and XXXX along with them have been in non-compliance and have not screened out violators specifically in regards to reporting from car finance companies about late payments customer needs to be able to understand the correct process in seeking damages for these failures of accuracy and procedures of unfairness.
Consumer complaint received 2019-04-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

company name is Portfolio Recovery Associates LLC. this company is claiming i owe them four different credit card accounts.

which are listed on my credit report. I've been back and forth with them almost a year disputing these amounts and requesting proof of debt.until this day i have not received. this company is falsely stating on my credit report report that the debt has been verified which has not been. i have disputed with all credit bureau 's and because of the false information written on report the credit bureau do not go further with investigation. I've sent another letter today to all credit bureau and including debt collector once again asking to verify debt for all four accounts. i would assume if i don't receive notice within 45 days as stated by the law that this should have been removed by credit bureau. all i'm asking is for some help in clearing up this mess on my credit report. thank you
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute the following information that appears on my XXXX XXXX and TransUnion consumer report : My credit report shows Hard inquiries that I never agreed to which need to be removed immediately without proof of my knowledge and agreeance. 
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 2023-03-16
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. (FL)

My attached XXXX and Trans Union credit reports, both dated XX/XX/2023, for XXXX XXXX  XXXX, clearly and unambiguously show obvious materially prohibited differences and discrepancies such that at least one of the reports with XXXX XXXX  XXXX account data has inaccurate data, as both reports can not be both accurate. Investigate and permanently correct the inaccurate data or preferably permanently delete my XXXX XXXX XXXX  from every CRA.
Consumer complaint received 2020-06-05
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. (AR)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2018-09-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (GA)

I just want to know what choices do I have as a consumer. The car loan company is Santander Consumer USA. I obtained a loan from this company for a used XXXX XXXX XXXX. The car broke down in XXXX after many financial setbacks to repair the vehicle. So I went to a dealership to trade in the vehicle. I still owed roughly 3000 dollars on the vehicle in which my note was XXXX and I paid from XXXX to XXXX. I was then put in a XXXX XXXX XXXX at XXXX. I have been paying on the vehicle since XXXX to Santander Consumer USA. According to Santander or XXXX is what I like to call them, I still owe over 9000 dollars. I just need to know what can I do. I have paid this company over 50,000 within the last eleven years and I still don't own a car. Also my maturity date in XXXX of XXXX.
Consumer complaint received 2020-12-16
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: JPMORGAN CHASE & CO. (VA)

I am writing to JPMCB - CARD SERVICE agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting JPMCB - CARD SERVICE agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2018-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (NJ)

During the month of XXXX I was contacted by my mortgage company, Home Point Financial, stating that my payment was past due. I checked my bank account since I have it set up for automatic payments and noticed my account was actually debited. I called and the service representative said that my new payment amount was around {$3100.00} which was a {$900.00} increase from what I had been paying. I asked why and was then transferred to the insurance department only to find out that they had mistakenly applied Lender Placed Insurance to my account causing my escrow balance to be in the negative. After over an hour on the phone the insurance rep. said she will fix it and order a new escrow analysis. About 30 mins later I get a call from the mortgage company again stating my payment is past due ... obviously had no clue about the 1 hour conversation I just had. I proceeded to explain again, at which point she told me I should still make a {$950.00} payment until everything was cleared up to avoid any issues and they will refund me once that was done ... so I did. Fast forward a couple of weeks, my XXXX payment is kicked back when I call I have another new payment amount hence the automatic payment didn't go through and it was still for a different amount. I call get bounced back and forth, call 3 times, send internal messages and nothing. Now I've been charged a late payment fee of {$69.00} and the last representative, XXXX, told me to continue calling for status updates and when it is cleared the fee will be reversed. I asked to speak to a supervisor, he told me there were a call center and one was not available ... to which I responded " so you're basically telling me that due to a mistake the company made I can not submit my payment and my hands are tied because you don't have an escalation process '', he replied " yes, I'm sorry ma'am ''. Awesome customer service ... NOT.
Consumer complaint received 2018-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

My loan servicing company received my loan in XX/XX/XXXX from the seller of my loan. The new company is XXXX servicing being serviced by Loancare, A service link Company, XXXX XXXX. On XX/XX/XXXX My homeowners insurance was canceled due to nonpayment. I spoke with Loan care on XX/XX/XXXX and they advised they did not get an invoice from the insurance company and therefore did not make a payment, but they refunded me money because my escrows were overpaid. When I spoke with Loancare they advised they would send the payment in that week. XX/XX/XXXX I received a letter from Loancare wanting proof of homeowners insurance. Weird because they paid my insurance. No not weird they never paid my homeowners insurance that was being escrowed. When I called in they advised I never notified them who the insurance company was so this was my fault. The information was with the mortgage company that sold the mortgage to them, I would think that all necessary information would transfer over to the new company. Per Loancare the information does not transfer over and it is the homeowners responsibility to be burdened with this matter. I demanded to speak with a supervisor or manager and they said I would only get a call back from one in 24-48 hours. There is never a manager available to speak with at this company. After two days on the phone and quite a few hours my homeowners insurance has been cancelled for 45 days and the loan servicer has my money that was designated to make this payment from my escrow account. The worst part is this is the second time I have had to request they make this payment in the 45 days and is unacceptable that it was not done as required by contract.