davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

Pennymac placed us into a loan modification without my permission or authorization. I lost my job in XX/XX/2023 and I called PennyMac to tell them and to be proactive with my upcoming XXXX payment. I asked for what options would be available to me if it came to the point where I could not make a payment. They told me there was nothing they could do until I was actually delinquent and I had to wait. They did say there were a couple options of possible forbearance or modification. I let them know at that time that I would call back at the end of the month to let them know. When I called, I was going to let them know that we would be able to make the payment and they said we were already in a modification process and we couldn't make a payment at the time. I asked them to just cancel it and they said we couldn't, we had to fillout an application and asked for docs proving I lost my job. Me as the consumer did what I was told. They then denied my claim due to insufficient XXXX. They told me the wrong information up front and caused me to have to go through the process again. This time I gave them the info for my new income and was approved but with a higher rate, payment, and loan amount. I believe they acted in bad faith in order to get us into a higher interest rate and therefore getting them more money in interest.
Consumer complaint received 2019-05-14
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: BARCLAYS BANK DELAWARE (VA)

I found the Barclays of Delware on my credit report. This is not mine. It might be my dad 's who has the same name but different middle initial. It lists me as an authorized user, which I am not and never have been. I called them to ask them to take it off my credit report. They pulled me up in their system by my social and said that I did not have any cards with them, they said that they could not help me I had to go through the dispute process and mail in to see if they could find it and take it off. They are unwilling to take it off my credit report even though they tell me that I do not have a card with them.
Consumer complaint received 2018-02-13
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: Experian Information Solutions Inc. (TX)

I checked my personal credit report XXXX, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquiries had been made.I called Experian to discuss these unauthorized inquiries. The rep told me that I needed to contact the furnishers who put these inquiries on my report. I wasn't pleased with the rep answer because it was Experian that allowed these inquiries to happen without thoroughly checking that these were indeed factual and verifiable information. 

So I contacted these creditors, with a few giving me the runaround who conducted these inquiries and asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right.and some of these inquiries is listed on my credit report several times. 

By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. 

I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report at the address listed above. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX If you find the inquiry referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX XXXX
Consumer complaint received 2021-04-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (MN)

was on a forbearance plan XXXX XXXX, XXXX and XX/XX/XXXX. I called on XX/XX/XXXX to make a payment and was told I qualified for a loan motification. I was offered a medication of 3 % with a payment of {$1600.00} with the first payment due XX/XX/XXXX. 
I received a letter dated XX/XX/XXXX confirming my application was complete and if they needed additional information at a later date they would send a letter or notify me to provide additional information. Otherwise, paperwork would be sent outlines the terms of the modification. 

I never received a letter nor was notified that additional information was needed, I called XXXX to inquire why I had not received the paperwork outlining type terms and was told paperwork would be on the way. .she told me it could take awhile but the forbearance had been closed. I again called on XX/XX/XXXX still not having received the paperwork and was told she did not know why it had not be sent but she would keep on eye on it. I never heard back from her. 
Because I was told my payment would be due on XX/XX/XXXX and I had not heard anything back I called again. I spoke with XXXX who told me she did not see anything in my file but could offer me a new modification agreement at 3.375 %. I did not feel that was fair as I had been quoted a 3 % with a payment of {$1600.00}. 

Since XXXX I have spoken to 20 representatives from US Bank and continue to be told someone is looking into it. I was assigned a relationship manager but have never been able to speak with her personally despite many, many calls. I feel I was misled and US Bank misrepresented information they gave me. I have since received a new modification agreement at 3.375 % which I feel I must accept or I will lose the opportunity to have a loan modification. I have dates and names of all the representatives I have spoke to but no dedicated representative that is following my case even thoughI was told was was assigned. 
I feel USBank is taking advantage of its customers and provided the worst customer service I have ever experienced with a mortgage company.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is a discrepancy between credit scores from each bureau for credit reporting XXXX and XXXX   have scores in the 570 range and Transunion is more than 150 points lower for the exact same items on each report each report is exactly the same but the scores differentiates between the three bureaus with two being similar in numeric value and the other transunion being significantly less without valid reason. Transunion has refuse to correct information that they have found incorrect through disputes I have made and make me redisputes for the same item on my credit report the also refuse to address the discrepancy of the credit score.
Consumer complaint received 2021-11-13
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: ALLY FINANCIAL INC. (DE)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. Upon reviewing my updates, incorrect information was found in my reports. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : ALLY FINANCIAL Date of inquiry XX/XX/2021 ALLYFINANC Date of inquiry XX/XX/2021
Consumer complaint received 2018-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

I received a letter from Transworld Systems Inc with an address in XXXX XXXX XXXX and in XXXX XXXX stating that they are collecting a debt from XXXX XXXX XXXX. I contacted XXXX and the representative verified that I owe no money and that they do their own collections in-house. I checked online for other complaints against Transworld and read of many other folks who they are also trying to collect monies from for nonexistent debts. I believe that this company knows that I do not owe any money and are trying to defraud me. Will you please try to stop this criminal activity. Thank you.
Consumer complaint received 2018-02-13
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. (CA)

My credit report continue to show incorrect and false information for me. My credit was used previously in the past fraudulently and I want to prevent this from ever happening again. I have been trying to have my name and address corrected on my Experian and XXXX credit report but the incorrect information still remains.
Consumer complaint received 2018-02-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Convergent Resources, Inc. (IL)

I was checking my Credit in XXXX XXXX got 2 collections XXXX XXXX Opened XX/XX/2014. Which does not belong to me it's in the amount of {$500.00} this is on my XXXX report which is affecting my score. I'm not going to pay this company do not owe them anything. 
This company has committed fraud using my name my information Than I got XXXX who committed fraud used my name and falsely charged my credit card in the amount of {$700.00} this is on my XXXX report this is outrageous how they get ahold of your information this has to be removed from my XXXX Credit Report
Consumer complaint received 2019-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I recently received many solicitations from attorneys that wanted to help with a lawsuit, I became very curious as to why I was receiving all this mail. I went online to public records and found that a pre-trial conference was scheduled for XX/XX/2019. I never received any information by mail or by phone. I never received any legal documentation regarding this matter. I was very upset to see this under my name in public records with a past due date. On XX/XX/2019 I called the office of XXXX XXXX XXXX XXXX. 
I asked to speak with Mr. XXXX. The woman that answered my call said he was unavailable. I gave her my name and asked for her name and she just ignored my question. I willingly provided her with my personal information. She informed me that they are representing Capital One & I owe a balance of {$3600.00}. I informed her that I had 4 Capital One accounts in the past years all 4 were closed upon my request all 4 had a XXXX balance. When I told her that this has to be some mistake, I do not owe this money, she became very argumentative. I asked her for her name again, she replied that our discussion was over and hung up. I called back a few more times today, but all I received was a voice message. I left two individual messages, but no one ever returned my call. I can not resolve this issue when this woman is screening phone calls and refuses to give me her name. XXXX XXXX XXXX have not returned my phone call and this unidentified woman behaved like a loan shark, using unprofessional scare tactics. Please help me clear my name and this serious matter. Thank you
Consumer complaint received 2024-03-19
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (CA)

I hope this complaint reaches you in good health. I am writing to address and rectify an issue I recently uncovered on my credit report. Upon reviewing my credit history, I noticed inaccurately reported late payments on my account. Understanding the significance of maintaining precise credit information, I seek your assistance in correcting this discrepancy. 

Outlined below are the details of the late payments I believe have been inaccurately reported : JPMCB HOME XXXX, Attached are supporting documents, including payment receipts and bank statements, validating that the payments in question were indeed made on time. I kindly ask for a thorough investigation into this matter and the necessary corrections to be made promptly on my credit report. 

Recognizing the importance of maintaining precise credit information for financial transactions and overall financial well-being, I appreciate your swift attention to this matter. I request that the corrected information be reflected on my credit report without delay. 

Should additional information or documentation be required from my end to facilitate the correction process, please feel free to contact me. Thank you for addressing this matter promptly. I eagerly await confirmation of the corrections made to my credit report.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX - Filed to have all marketing/pre-approved credit/loan offers be permanently stopped for my address XX/XX/XXXX - Filed again to have all marketing/pre-approved credit/loan offers be permanently stopped for my address XX/XX/XXXX - Sent an email and removed myself from all communications from my bank to try and prevent more offers from being sent. This is after filing the same complaint against the same bank from the previous year. After I moved, they resumed sending me offers even though I have gone through this process less than a year ago.
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I have a number of accounts I have disputed on my XXXX credit report and they come back with the results telling me they have been deleted from my report but when I search the report again a few week later or a month later and guess what? I have a new collection account - that same account I just had removed! 

Is this at all legal? Why do we take the time to document, create a dispute to have an entry investigated, then removed to only have it put back on the next time around. 

It will beat someone down after the XXXX or XXXX time!
Consumer complaint received 2024-03-19
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fairway Independent Mortgage Corporation (GA)

So over the past months i've been trying to an accurate mortgage loan from the original company Fairway Mortgage and the debt collector XXXX XXXX XXXX XXXX  .. On XX/XX/2023 fairway stated they did a wire transferred for {$350000.00} to the closing attorney office to cover the loan .. Now XXXX & XXXX XXXX  who purchased the debt as stated by fairway Mortgage stated it was $ XXXX that was transferred on XX/XX/2023 .. Not only did XXXX & XXXX XXXX ILLEGAL purchased the debt but their loan total is about $ XXXX more than the original mortgage company as stated in the attachment..
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I submitted a dispute requested investigation and the removal of erroneous conflicting reporting of an auto loan by XXXX XXXX XXXX XXXX in Virginia. XXXX XXXX has been reported over the last 3+ a balance owed in the amount of {$11000.00} monthly terms for 84 months with the intent to cause damage a minimize my ability to purchase a vehicle with fair terms. 

XXXX XXXX placed fraudulent charges on a share savings account investigated ; and failed to resolve over 4 years ago.
Consumer complaint received 2020-06-25
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CA)

Hello, My mortgage loan is with Flagstar Bank. In XX/XX/2020 they offered payment relief due to Covid-19. I was out of a job because of the pandemic so I applied for it and was approved for 6 months forbearance, my next mortgage payment would be due on XX/XX/2020. I few days ago on XX/XX/2020 I received a letter from flagstaff saying that I am in delinquent status and owe over {$8000.00}. I also was notified that my credit score had gone down due to this. When I originally applied for forbearance flagstar told me that not only is my payment not due until XXXX, this wont be reported to credit bureaus. Everything they told me was a lie.
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I had the chance to go over my payment history letter sent from The Department of Education/XXXX on XX/XX/XXXX, and it doesnt show a history of late payments on record. My sole purpose in requesting my payment history on my student loans is because I have 9 late payments on my credit reports from XXXX. All late payments listed on my credit reports are dated as follows : 90 Days Late in XXXX XXXX  90 Days Late in XXXX XXXX  120 Days Late in XXXX XXXX  120 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX  120 Days Late in XXXX XXXX  120 Days Late in XXXX XXXX 120 Days Late in XX/XX/XXXX Between XX/XX/XXXX, to XX/XX/XXXX, my student loans were in FORBEARANCE, so I am not understanding why I have late payments shown in XX/XX/XXXX through XX/XX/XXXX on all three of my credit reports. The screenshot attached to this complaint shows that my loans were in FORBEARANCE between XX/XX/XXXX through XX/XX/XXXX. THERE SHOULD NOT BE LATE PAYMENTS LISTED ON MY CREDIT REPORTS DURING THIS TIME PERIOD, THIS IS INACCURATE AND IT NEEDS TO BE UPDATED TO POSITIVE PAYMENTS OR DELETED IMMEDIATELY. 

My credit report also shows 90 days late in XX/XX/XXXX ; however, my loans were in FORBEARANCE from XX/XX/XXXX, through XX/XX/XXXX, as shown in the attachments to this complaint. 

If you are not familiar with the term FORBEARANCE it is an option to delay student loan payments in case you are temporarily unable to make your monthly payments. While in FORBEARANCE, your loans will continue to accrue interest. That interest capitalizes or gets added to your balance when your loans switch out of forbearance and back into your payment plan. 

Attached to this complaint is an Experian screenshot of the late payments from The Department of Education/XXXX 
This is unacceptable. I have been suffering from this negative payment history for years and each and every time I disputed these negative payments I am told by XXXX, Experian, XXXX and XXXXXXXXn that the information is correct, therefore my rights as a litigious consumer have been violated. 

Since I had to do my own investigation and clearly proved that I DO NOT HAVE LATE PAYMENTS, I respectfully ask that ALL LATE PAYMENTS FROM THE DEPARTMENT OF EDUCATIONXXXX EITHER BE UPDATE TO POSITIVE PAYMENT HISTORY OR BE REMOVED FROM ALL 3 ( THREE ) CREDIT BUREAUS IMMEDIATELY. 

I have attached the full payment history email sent to me from THE DEPARTMENT OF EDUCATION/XXXX within this complaint so you can see for yourself that I NEVER had a late payment.
Consumer complaint received 2019-05-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (MI)

AES/XXXX XXXX XXXX XXXX XXXX, PA XXXX USA ( XXXX ) XXXX AES/XXXX XXXX gave me a private school loan on XX/XX/XXXX for {$75000.00}. This loan was found to be not exempt from bankruptcy. I filed bankruptcy in XX/XX/XXXX and they kept sending bills. XXXX XXXX XXXX in XXXX Michigan has found this loan to be dischargeable in my previous bankruptcy and has sent notification more than 2 months ago to them. They were asked for an accounting of all payments made since bankruptcy and for the monies to be returned to me promptly. I have no responses from them nor has the attorney. I have paid nearly 40,000 to them in payments in the last 7+ years that they were NOT entitled to. I would like my payments refunded and the incorrect non-payment information and the account blemishes removed from my credit. I was instructed by legal counsel to stop paying them and they have ruined my credit based on payments they are not owed and that they owe me back XXXX.
Consumer complaint received 2019-10-02
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. (NH)

XXXX ; XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2018-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

XX/XX/XXXX - I recognized a drop in my in FICO credit score from XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX. I obtain this credit score free through XXXX App every month. The reason for the drop was 'Derogatory record found '. I was sure this was a case of some fraud or mistake from the company XX/XX/XXXX - I downloaded my credit report from all three credit reporting agencies, including Equifax, on XX/XX/XXXX and did not see any derogatory record. I reported the same to discover to fix this issue at their end. 

XX/XX/XXXX - This mistake was fixed and the credit score improved the following month - Back to XXXX XX/XX/XXXX - My new apartment owner ran my credit report today through Equifax and in the report provided my Equifax , I see that there is a derogatory record again I do not recognize