davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

There was a small case suit against me in XXXX, as which, this was never placed on my credit files. The case was handled in mediation. The final payment was made in XXXX XXXX ; and now XXXX XXXX this has been placed on my credit files with all major credit bureaus. I am seeking help in reference to finding out why the major credit bureaus waited 5 years later to place this on my credit files? Why? I am hereby asking that XXXX be removed from all major credit bureaus because this was resolved in XXXX in mediation and was paid off in XXXX XXXX. It seems as though the credit bureaus of retaliating against me due to the many disputes I have submitted based on the laws. I am crying out for you to assist me in getting this public record removed from my files ASAP.
Consumer complaint received 2016-02-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have n't use my card in days first I was overdraft XXXX than XXXX now XXXX, this bank is n't a honest bank at all, I had to take off my direct deposit so they can stop taking my money.
Consumer complaint received 2016-06-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: GREAT LAKES (OH)

The loan was with Great Lakes I paid they transferred to another agency now they transferred to malt her agency o ca n't get any info I get no bills and they keep taking taxesi called the XXXX collections they said another has it I have no info!
Consumer complaint received 2016-08-31
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CNG FINANCIAL CORPORATION (CA)

Check n ' Go is responsible for making my bank accounts with XXXX in XXXX, California, to become overdrawn and accumulate fees. This was after they chose to ignore not only a Notice to Cease and Desist, but other forms sent by a payday loan consolidation company I am working with. Those documents were submitted weeks before my loan was due with them. This lender was notified that they would be compensated for what I owed, just not on the date of the previous agreement.
Consumer complaint received 2015-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, National Association (NY)

My wife lost her job about 5 years ago now. We currently find ourselves trying to re-negotiate our loan, but because New York Community Bank issued this mortgage through XXXX which has very strict guidelines which prohibit us from reducing our loan payments via modification.
Consumer complaint received 2016-12-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I was an authorized user on my wife 's credit card and they are trying to collect the debt saying I am a joint account owner. They have no paperwork to prove this. They have put the debt on my credit report and will not remove it.
Consumer complaint received 2017-02-13
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc. (CA)

My mother passed away XX/XX/XXXX and she had a reverse mortgage on her home. I am the sole heir to my Mother 's estate and live in this property. It is my desire to purchase this home under the provisions of the FHA reverse mortgage. When I notified the mortgage servicer Reverse Mortgage Solutions ( RMS ) ( XX/XX/XXXX ) and told them what I wanted to do, they had me fill out paperwork for them. I was never told that the home needed to go through probate by them. It was n't until late in the process that they informed me about the home having to go through probate. I have been approved for the loan to buy the home, but they have filed a notice of trustee 's sale and the house will be sold on XX/XX/XXXX. I have asked for a postponement but they have not granted my request. I have lived in this home since birth ( XXXX years ) and I do not want to loose this home as it was my Mother 's desire for me to have this property. 
Every time I call RMS I seem to get a different person which has also been very frustrating since they never seem to have documents I have sent to them previously.
Consumer complaint received 2021-11-05
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: Certified Credit Reporting, Inc. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the update and removable of the incorrect information about my inquiry has been diligently neglected by XXXX. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any answer up to this date. Besides, the fallacious information about my inquiry is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the inquiry that is still reporting on my account and needs to be removed completely from my credit report : CCR - XX/XX/2021
Consumer complaint received 2021-04-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (FL)

I am exercising my right to contact to review an issue on which I was refinancing my home and was denied and provided an explanation of " Poor Credit Performance with us '' via a document sent on XX/XX/2021. This statement is not satisfactory. 

I have had no late payments to the Flagstar Organization in over XXXX ( all on time ), a credit rating of XXXX with XXXX, XXXX with XXXX, and employed with the same company for over 22+ yrs making over $ XXXX a month gross. Well over the 4x the mortgage costs monthly. 

To receive a statement of this nature when the company knew from the beginning of this process my only intent was to remove my ex-husband 's name from the loan as a co-borrower. 

I am seeking the Federal Trade Commission to review and look further into this issue and the practices that took place during the application process along with my rights. 

During the process of waiting, I had to continue to follow up with this company and ask for timelines and continued callbacks as to where they were in the process. It was a simple refinance to remove a co-borrower. 

Bank statements, paychecks, and submission of on-time payments all 100 %. To me and others in the industry have suggested unfair practices and violations of rights under the Consumer Credit Protection Act along with Equal Credit Opportunity Act. 

Thank you.
Consumer complaint received 2015-12-14
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Cornerstone Mediation LLC (TX)

Company claims to have a courier company to send me legal documents and are trying to serve me with papers. They are stating that I owe them XXXX. A man named XXXX XXXX is calling me stating that I have to appear in court.
Consumer complaint received 2022-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

to whom this XXXX concern I am writing to report all of the incorrect information listed on my credit report. I am victim of identity theft. I am interested in all original creditors reviewing the file with dates, accounts, amounts listed and remove the information immediately. this has rendered me from moving forward due to these errors. my credit report is supposed to be XXXX XXXX accurate on all XXXX credit reports. that is not the case. please review the details in the files.
Consumer complaint received 2019-02-22
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: Experian Information Solutions Inc. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$4300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$4100.00} XX/XX/XXXXXXXX XXXX XXXX {$2000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  {$1900.00} XX/XX/XXXX XXXX XXXXXXXX {$1400.00} XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX {$980.00} XX/XX/XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX XXXX  {$800.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-06-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: National Credit Systems,Inc. (AZ)

I have been in contact with this debt collection since day 1 trying to come up with settlement. They have my address and phone number to reach me any time. They garnished my wages a year ago, and I was told I was good with them and the apartment complex from now on. However, the debt collection company called me after I was sent a letter saying my account was settled asking for more money. Then, when I told them that was incorrect and I would not pay, they called my employer. I had made it clear to them that they could not contact my employer before, and I have always made sure they have my contact information. So not only are they asking me for debt that was settled, but they 're also still reporting to the credit agencies that my account is n't settled, and they have attempted calling my employer.
Consumer complaint received 2016-02-01
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I filed complained for {$200.00} against NY XXXX MOVERS with Bank Of America visa on XXXX/XXXX/2016 under claim # XXXX with transaction ref # XXXX. I received a letter from bank of america on XXXX/XXXX/16 at about XXXX dated XXXX/XXXX/2016 posted on XXXX/XXXX/2016, asking me to reply by XXXX/XXXX/16 I called bank of America visa and informed XXXX XXXX XXXX Who told me that I can not reply by fax but only reply by mail and there is 10 days grace period and adivised me to send reply in next 2 days. He aIso told that he putting note regarding our phone conversation in the system. I posted my reply on XXXX/XXXX/16. I got email on XXXX/XXXX/2016 to look into my on account for alert. When I open the alert, It was the letter stating that my claim is closed as It has passed time limit. I called again on XXXX/XXXX/16 and spoke with XXXX XXXX who asked to me call dispute dept at XXXX on Monday XXXX/XXXX/16 and they will reestablish the claim. When I called on XXXX/XXXX/16 at about XXXX I spoke with XXXX and explain them all the fact but they only stated they can do nothing as they have not received my reply by XXXX/XXXX/16. I told them that that is my mistake and hence either you reopen dispute or give me {$200.00} credit. I was offered {$50.00} credit as cursey by XXXX which I refused and I told her that either give full credit or I will be not responsible for the payment. I am ready to provide any more information if needed. I told XXXX that i spent about 3 hours of my precious retirement time to resolve the problem and I am doing this to get justice.
Consumer complaint received 2024-02-23
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: EQUIFAX, INC. (CA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.
Consumer complaint received 2022-03-29
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC. (NY)

RE : STUDENT LOANS NAVIENT Reported : XXXX. XXXX, XXXX {$19000.00} In good standing NAVIENT Reported : XXXX. XXXX, XXXX {$28000.00} In good standing NAVIENT Reported : XXXX. XXXX, XXXX {$15000.00} In good standing As per my recent email with CFPB I indicated that NAVIENT agreed to remove me as a comaker/cobuyer as of XXXX when I turned XXXX .... as per a recent email from XXXX their was an acknoledgement that this is being done, i misplaced the email, only way i can retrieve if i do a system restore, nonetheless I need all three loans removed from the 3 major credit bureaus, my son XXXX is paying these loans on time. I am XXXX and I just want Navient to make good on their promise. Thank You XXXX XXXX
Consumer complaint received 2016-09-29
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX, Bank of America confirmed with me a Cease and Desist Collections tag and code had been placed on my mortgage account. Since receipt of this confirmation, the Cease and Desist Collections tag and code was removed. My home loan mortgage account is now in active foreclosure with a Notice of Default and Election to Sell with California Declaration, a XXXX page document, has been recorded along with a separate document, a Substitution of Trustee on XX/XX/XXXX.
Consumer complaint received 2019-02-22
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: Experian Information Solutions Inc. (SC)

I have notified all 3 credit reporting bureaus of my formal dispute of the same account appearing on my reports 10 different times totaling {$570000.00}. These accounts do not belong to me. I notified XXXX XXXX   3 different time through signature required service receipts separately attached. Disputes were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all requesting for required verification and supporting documentation under the rule and guidelines of both the FDCPA and the FCRA. All 3 times XXXX XXXX violated Federal law. Further none of the information meets the required standard of Section 609 ( a ) ( 1 ) : Information to be disclosed. Advisory opinion to XXXX XXXX   stating, " In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide " accurate '' ( and perhaps not " clear '' ) disclosure of " all information '' in the file ''.
Consumer complaint received 2015-06-03
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CASHCALL, INC. (CA)

I took out a loan with Cash Call back on XXXX/XXXX/14 for {$10000.00}, loan id # XXXX. The interest rates were very high and I had a few other loans out so I was working with a debt consolidation company to combine my bills and make XXXX payment at an affordable interest rate. Cash Call refused to validate the debt and would not work with my debt consolidator. I was then advised that Cash Call was being sued by my state ( CA ) and the state was requesting to revoke the companies license due to illegal loans and to not pay the debt. Cash Call sold my loan to another party ( XXXX XXXX XXXX XXXX XXXX ) who is calling my family members requesting me to call them back and trying to collect on the loan. I have requested them to send me a letter via mail verifying the debt which they have not sent yet only an email demand letter. They are demanding payment of {$10000.00}. I am concerned this company is not legitimate and with Cash Call getting into trouble for illegal loans am not sure if this debt is valid.
Consumer complaint received 2024-02-23
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: EQUIFAX, INC. (NV)

I have sent letters and they refuse to send me any documentations that I request that show proof pursuant section 15 USC 1681a ( 2 ) ( i ), 15 USC 1666b and 1637 ( b ) and 15 USC 1681s-2.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

The consistent timeliness of my payments for this account contrasts XXXX  with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2021-04-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (TX)

Hello XXXX, I received a call from XXXX XXXX XXXX number. I found the attached phone call record from XXXX - page XXXX from XXXX XXXX. In an attempt to cancel my line before XX/XX/XXXX - after I received my invoice after XX/XX/XXXX, I tried online at XXXX  which doesn't have this feature. XX/XX/XXXX and XXXX falls on Saturday Sunday which I thought XXXX  didn't work due to Covid and I called on Monday, XX/XX/XXXX as first thing to cancel. 

In other words, I will not pay the {$36.00} which I assume I didn't receive a service for. I had enough expenses due to Covid and Moving and I can not tolerate another unfair bill/.
Consumer complaint received 2015-10-05
Product: Credit card — 
Issue: APR or interest rate — 
Company: NAVY FEDERAL CREDIT UNION (TN)

I had a credit card with Navy Federal Credit Union, XXXX. XXXX XXXX, XXXX, VA XXXX. We tried to pay off the Credit Card, but they had increased my percent to 18 % so that my yearly interest interest XX/XX/XXXX was {$860.00}. I had to take out another loan at 3.14 % to pay off Navy Federal as I was never going to make Navy Federal schedule. My family had medical due XX/XX/XXXX which we managed to pay off but at the expense of missing a few monthly payments to Navy Fed. I asked Navy Fed. to reduce my interest, but they refused. I felt that as a XXXX Veteran they would oblige a lower rate after I asked. They did not. My account with them has since been closed as of XXXX XXXX. I am filing this complaint because I believed that Navy Federal could have reduced my 18 % to a more manageable rate as I was in troubled financial times.
Consumer complaint received 2015-08-04
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

I borrowed {$5000.00} from Springleaf Financial for 4 years at 25 % interest to reestablish credit. They are now showing my balance not the statements and my credit report to be {$9300.00}. I called to get an explanation and they claim that that will be the total that I pay should I pay it off in the time allotted. I explained that their reporting is incorrect, they should only be reporting the amount borrowed. I called to get copies of my contract on XXXX separate occasions and they still have n't sent those to me. You are only granted access to your loan documents online for XXXX days, after that you are locked out. They claim I signed something agreeing to my balance being over $ XXXX rather than the $ XXXX borrowed, I was never asked that question, why would I agree to that? When I took out the loan, the rep reviewed the paperwork on her computer screen and just ran thru the documents quickly, she later brought out copies to be signed and told me they were identical to what she had gone over on the screen. She also told me that the loan came with credit life, unemployment and XXXX insurance as part of the loan. It was presented as mandatory, turns out I 'm paying a fee for that as well,