davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Coastal Credit, LLC (NV)

In 2007, I had a car loan with Coastal Credit LLC, for a minivan. The van was a Lemmon ever since it was purchased, the 2nd day we had it the front breaks fell off while driving with my children in the vehicle. Finally we had enough and told Coastal Credit to come pick it up. They took the van and sold it. We received a phone call from a very rude representative saying the van was sold and it was charged off and taken as a company loss because they were not making a profit on it. We never heard from them again until I get a court judgement in the mail today for {$40000.00} which before they took the van, is more than the loan was for, much more. So, we don't hear anything from them for 11 years, and then we get court documents, 11 years later.
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

XXXX, equifax, and XXXX  is reporting time barred debt 4 yrs ,8 yrs, to 13 years past the statute of limitations for credit reporting, state tax liens, judgements, public records on my credit report, voluntary repossessions over 8 yrs old, and reporting credit card payments late, even after I provided a letter of evidence to them from the credit card company that my payments were on time, and account is in good standing instead of having 6 months late payments on my history, they are re inserting debt on my credit without any legal notice, the accounts for XXXX XXXX XXXX were disputed in the past and then removed by 4he bureaus and XXXX  XXXX, XXXX XXXX  sold the 2 debts to XXXX XXXX, XXXX XXXX re-inserted the debt without any 5 day legal notice, or warning, and I have no legal binding contract or debt with them it is not mine, tby law they have to remove it for good, the creditors, and credit bureau were being deceptive, and they refuse to remove them, I have had numerous problems with this company, I have even requested 3 years worth of phone records, they are willfully, and negligently violating the fair credit reporting act by remaining to keep these items on my credit report even after evidence has been forwarded by complaint to them from the consumer financial protection bureau,. The credit bureau claims over video recording that they will remove the judgements, and state tax liens, and correct any I formation on my credit report that doesn't belong on there, Still nothing is done, they are walking all over my credit, and laughing about it, I guess they think that I am a consumer who will not do anything, but file complaint after complaint. This time I am requesting the consumer financial bureau instruct the credit bureaus that I will be hiring an consumer protection lawyer to file a law suit against transunion, equifax, and experian for their deceptive willful negligent practices.
Consumer complaint received 2018-03-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (HI)

My mortgage was with a company called XXXX XXXX XXXX XXXXXXXX. On XX/XX/XXXX my mortgage was transferred to Freedom Mortgage. Sometime in XXXX Freedom Mortgage informed me that I now needed to buy hurricane insurance, which was not required before. I called them and they convinced me that I had no choice in the matter. I immediately called my insurance agent and she immediately added the required hurricane insurance. Today I received a letter dated XX/XX/XXXX telling me that they received the updated wind coverage, but they are going to charge me for wind coverage from XX/XX/XXXX to XXXX/XXXX/XXXX if I don't buy or prove coverage for that time frame. It is now XX/XX/XXXX. I should not have to pay for coverage for a time that has already passed. Nobody needs coverage for the past. They are going to charge me almost {$150.00} for something that can never be used. This is not right. They have already caused me an additional {$1000.00} a year and now they are just trying to rip me off. Please help! Thank you!
Consumer complaint received 2016-12-18
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TRN Financial LLC (TX)

I met XXXX XXXX at a networking event where he was soliciting mortgage applications. I asked him to look into potentially financing a rental property that my domestic partner owned and sent him information regarding my domestic partner, XXXX XXXX ( I have a power of attorney for her and she authorized me to act on her behalf in this transaction ). She owns a rental property that has no debt on it and we were interested in obtaining a conventional mortgage loan on it. I was very specific that we did not want to have her credit report pulled unless XXXX XXXX felt that she would be able to obtain conventional financing ( her situation is unique and I did not think that she would qualify and explained to XXXX XXXX all the concerns I had regarding underwriting ). He assured me that he could get it done and pulled the credit report. He subsequently got busy with other clients and stopped answering my followups for one month. He then answered one additional email and again stopped responding to me for another month. It has been over 3 months and XXXX XXXX has completely failed in his customer service in the basic answering of emails and phone calls. This is irrespective of whether he can actually obtain a mortgage, he simply can not and refuses to answer emails and phone calls. This is the most unprofessional real estate professional I have dealt with in my entire life.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I am unaware of this debt I did not have an opportunity to dispute this information. If in fact you believe you gave me proper notification then please provide/send me the certified return receipt with my signature. If not I request that this information ( PORTFOLIO RECOVERY Acct. No. XXXX ) be removed from my consumer report immediately in light of my consumer rights being violated.
Consumer complaint received 2021-03-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (MA)

I feel like I was treated unfairly with regards to my credit. I have worked very hard over the years to build and keep good credit only to have it slashed significantly in one day. I contacted several card companies pleading with them but to no avail. Ive never missed payment with these companies but they chose to decrease my credit limit thus impacting my score significantly. I feel very wrongly and unfairly treated.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

In XXXX of XXXX, I was in an XXXX XXXX XXXX, who was driving. The police and ambulance were called, and my grandmother was transported to the hospital in an ambulance, while I road to the hospital in the car of a relative who arrived on the scene. However, for the last 4 years I have had an item on my credit report from XXXX XXXX XXXX for {$500.00} due to me being billed for riding in the ambulance with my grandmother. I never rode in the ambulance, which is what the {$500.00} bill is for. I most recently contacted the original creditor ( XXXX XXXX XXXX XXXX ) in XX/XX/XXXX, and was told to contact my grandmother 's auto-insurance company to pay the bill, despite me not receiving the services for which the bill is for. It would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. Furthermore, there are 0 sections in the FCRA that prohibit deletion.
Consumer complaint received 2021-09-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently sent letters over 60 days ago to this Bureau and they are disregarding a regular consumer disputes. I'm XXXX  and have been sending letters before this and still no response.
Consumer complaint received 2016-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (DC)

Please note that this case is affiliated with [ Case number : XXXX ]. 

I am submitting this complaint due to my experience with Fedloan Servicing concerning the PSLF program. In XXXX, my colleague contacted the Department of Education inquiring as to whether her 501 ( c ) ( 6 ) employer, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was a qualifying organization for purposes of PSLF. The Department of Education affirmed that the organization was a qualifying organization under PSLF. When I submitted my PSLF certification to Fedloan Servicing in XXXX of XXXX, I was denied by Fedloan Servicing without explanation. The letter stated, " Organization does not qualify. '' Fedloan Servicing subsequently revoked my colleague 's PSLF eligibility claiming that our 501 ( c ) ( 6 ) organization was not a " qualifying organization '' for purposes of PSLF. I requested supervisory review of my personal application but the only information that I received back from Fedloan Servicing is that " organization does not qualify. '' Additionally, one of Fedloan Servicing employees told me that she was unaware of any 501 ( c ) ( 6 ) organizations that were approved as " qualifying organizations '' under 34 CFR Section 685.219 ( b ) for purposes of PSLF. 
This is denial is contrary to the regulations because my 501 ( c ) ( 6 ) organization clearly provides XXXX and meets the requirements of a " public service organization '' as defined by the regulations. The Department states in the proposed rule ( pg. XXXX, http : XXXX ), that the statutory definition of " public service job '' is meant to include " certain non-profit organizations that are not qualified under 501 ( c ) ( 3 ) of the IRC, but that meet the other statutory requirements and qualify as public service employers under XXXX. '' Congress clearly defined " public service job definition '' in the XXXX ( XXXX ) to include both " public education '' and " public interest law services. ''
Consumer complaint received 2022-08-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCF Intermediate Holdings LLC (CA)

The same criminal acts by some person or persons NOT known to me at all in attempting or already attempted in getting a loan and/or credit by falsely using my name and identity. 
I would like to have the Federal Bureau of Investigations ( FBI ) involved with investigations by the CFPB. 
I have submitted a letter by an attorney for XXXX XXXX XXXX as my proof of this complaint.
Consumer complaint received 2020-07-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Unlimited Progress Corp (IN)

called creditors discount auditors ( XXXX ) to have company commit to and was agreed to combine accounts and i would start to make payments on combined account, they did not do so and reported each account on my credit report as a separate account that is not being paid, no payments have been submitted to the credit report as being paid and no balances have decreased after making payment of over {$480.00} then they started to call me to make payments that i am already making,
Consumer complaint received 2020-07-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Home Point Financial Corporation (FL)

My name is XXXX XXXX. I have a Loan # XXXX at Home Point Financial - They did a mistake on my account that resulted my account to be late and on default by their mistake. This caused them to report late payments to the credit bureau which caused me to loose a mortgage loan I was closing to purchase a new property. With this said I have now $ XXXX on stake in an Escrow Account. I have been trying to resolve this issue with HOME Point Financial and they were unable to give me proper responses. 
I have sent over 17 emails, and talked to several customer services representatives and managers. Their legal department based on their actions is a total FRAUD. 
They were unable to resolve this problem in timely manner and because of their mistake I am at risk of loss money or expend hundreds of thousands of dollars as I need to take a private loan instead of a conventional loan that was denied because they WRONGFUL ACTIONS. I have spent over a week on the phone with them and they were unable to act towards this mistake.
Consumer complaint received 2020-07-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: I.C. System, Inc. (MA)

Wrong dates from when account was opened and closed. It shows that it was reported XX/XX/2020. I have not had XXXX XXXX XXXX XXXX in over a year ago. The service was horrible for the cellular service always dropping calls. I had XXXX that if the wind blew too hard I would lose my satellite signal and wouldn't be able to watch TV. I told them that I was not happy with the service I was paying for and canceled the service. I was then told that I needed to return the equipment which I did and they are still trying to get me for {$2400.00}. The service was the worst i have ever had and I would not pay for services that I could not use. All equipment was returned to them in the boxes they supplied with postage paid labels.
Consumer complaint received 2020-10-14
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: Skopos Financial, LLC (SC)

Ive been trying to get this inaccurate information thats being reported on my credit inaccurately for quite some time resolved. This company is reporting an item that was supposed to been off my credit after numerous letters and complaints, with the last one being from the FTC. This company has provided vital information to someone who wasnt/isnt me. They never identified the person they just disclosed my personal information. Which validated my rights as a consumer and the law. This item was supposed to been removed from credit 2 years per the last dispute and complaint and this item is still negatively reporting on my credit. I am demanding that this item is removed immediately. Otherwise I will seek legal action and reach out to the media in regards to this company and their illegal debt collection practice acts.
Consumer complaint received 2021-03-01
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: EQUIFAX, INC. (KS)

Since XXXX of XXXX I have been dealing with Equifax and the incorrect reporting on my credit report. My latest efforts On XX/XX/XXXX are in response to my request for validation under the FCRA 809 ( B ).

Per my rights under FCRA 611 ( a ) ( 7 ) I am currently requesting a full report of all methods used to investigate and validate my disputed accounts.

This is no longer a matter between the alleged account holder ( company ) and my person because Equifax has taken the responsibility to investigate the validity of these accounts and is representing them as true. When we both know no such accurate validation has been provided to me or Equifax. Not only is Equifax reporting false information, but they are doing so without my permission on my credit report. As a consummer reporting agency Equifax is in violation of several portions FCRA and FDCRA. If it is Equifax position to continue to represnt this inaccurate and invalid information on my credit report I have no recourse but to pursue this matter in court.

I am expecting the full report of methods of validation from Equifax with 15 days of receipt of my request or the removal of all 8 invalid accounts. If I receive anything from Equifax other than the original contract between myself and the account holder on my credit report the accounts should be removed immediately by law. My notice was received by Equifax on XXXX XXXX XXXX. Thererore, this matter is to be resolved by XX/XX/XXXX. 

I have personally written and mailed all my letters and done my own filings myself and have had Equifax responds by saying they do not believe it is me. I have provided them on numerous occasions my ss card and drivers license. If their reponse to this complaint is a stall tactic like that it will be taken as failure to repond to my certified notice and request and I will be forced to pursue them in court for that violation as well.
Consumer complaint received 2017-07-25
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: Aargon Agency, Inc. (NV)

The credit agencies still have this account listed and  per Aargon th ey requested it be removed. This has been listed and it needs to be removed
Consumer complaint received 2021-10-09
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: EQUIFAX, INC. (GA)

ii HAVE PAST THE 6 YEAR MARK FOR ATTEMPTING TO COLLECT A DEBT AND I EXPLAINED THIS TO ALL THREE BUREAUS. THESE ITEMS NEED TO BE REMOVE IMMEADIATELY :
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-01
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: EQUIFAX, INC. (SC)

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Consumer complaint received 2020-07-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I sent XXXX XXXX 2 certified letters for account verification. Enclosed is what I received that looked like it was copy and paste of a statement. I requested proof of The amount of the debt ; The name of the creditor to whom the debt is owed ; Verification or copy of any judgment ( if applicable ) ; Proof that you are licensed to collect debts in Florida ; Proof of the last payment made on the account. 
Copy of Assignment Contract Copy Original creditor Copy Original contract
Consumer complaint received 2020-07-17
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: Experian Information Solutions Inc. (LA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-07-17
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. (LA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2015-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i paid off my mortgage with bank of america when i refinanced. b of a charged me a {$90.00} " fax fee, '' which seems ridiculous and unfair. they also charged a {$45.00} " reconveyance fee '' and a {$14.00} recording fee. i could buy a new fax machine for {$90.00}. this is absurd, outrageous, and i want a full refund for that fee! 

the fees banks and lenders can charge when you payoff their loans should be regulated so that we consumers are not hit by this arbitrary and ridiculous fees that we can not challenge during the payoff process. 

XXXX XXXX XXXX