davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-14
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: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2020-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I contacted XXXX XXXX  and we came to an agreed upon settlement they told me they would report my account closed and paid on my credit I had disputed the information on my credit report with experience and provided the documents XXXX XXXX  gave me instead of marking it as paid under settlement they took off the mount off the total and marked it as a late payment this is incorrect and lowered my credit 40 points for paying off my account
Consumer complaint received 2022-09-06
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$79.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2016-08-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I would like file a complaint against SPS and XXXX. We have been going back and forth with both banks since XXXX 2016 to gain approval for the short sale of our home. We have a qualified buyer willing to pay full asking price for our home and we have yet to hear back from them. They are requesting multiple forms of the same paperwork, dragging their feet and delaying the process. We have done everything on our end to ensure the home does not go into foreclosure by getting any and all requested paperwork in in a timely manner and will be filing a request for mediation to avoid going to foreclosure.
Consumer complaint received 2015-06-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: ECMC GROUP, INC. (IL)

Collector debit bank account removing XXXX benefits and refuses to accept responsibility for actions despite documentation showing their error. This is on a tax lien which is owed, however XXXX benefits are exempt according to documentation given to me by the collector. I have spoke with XXXX and am in the process of a hardship submission. Premier Credit refuses to work with me and has placed my held in danger.
Consumer complaint received 2017-10-09
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. (GA)

I have an active auto loan with XXXX XXXX. This account was opened XX/XX/XXXX. In XX/XX/XXXX and XX/XX/XXXX i made both payments before the due dates yet they both show as late on my credit report. Again In XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX Late payments are showing for my account. I have called XXXX XXXX several times to get this fixed and try to find out why this happened. I have placed calls to them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time i call i am told that they have proof of the late payments and they are not obligated to fix the problem or send me the verification of these payments. I sent 3 certified letters requesting the verification to which i receive no response. I have even provided XXXX with copies of my bank documents showing the payments as processed and the statements from XXXX showing on time payments. These erroneous entries are having a huge negative effect on my credit rating and the fact that noone at XXXX is even making an attempt to resolve this problem. The last agent i spoke with XX/XX/XXXX told me if i dont like it i should just do a voluntary repo on the car.
Consumer complaint received 2016-06-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OH)

I applied for a citigold checking account in XXXX with a XXXX XXXX XXXX miles promotion. I have sent several emails to get these miles posted within XXXX months ( XXXX XXXX ). Now it has been over a month since the miles should have been posted to the account. Citi is still taking out a {$30.00} fee every month for maintenance which I would like back as there has been no " service or maintenance '' provided other than secure messages telling me to wait longer. Attached are several XXXX screen shots.
Consumer complaint received 2017-10-09
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. (GA)

I have an active auto loan with XXXX XXXX. This account was opened XX/XX/XXXX. In XX/XX/XXXXand XX/XX/XXXX i made both payments before the due dates yet they both show as late on my credit report. Again In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Late payments are showing for my account. I have called XXXX XXXX several times to get this fixed and try to find out why this happened. I have placed calls to them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time i call i am told that they have proof of the late payments and they are not obligated to fix the problem or send me the verification of these payments. I sent 3 certified letters requesting the verification to which i receive no response. I have even provided XXXX with copies of my bank documents showing the payments as processed and the statements from XXXX showing on time payments. These erroneous entries are having a huge negative effect on my credit rating and the fact that noone at XXXX is even making an attempt to resolve this problem. The last agent i spoke with XX/XX/XXXX told me if i dont like it i should just do a voluntary repo on the car.
Consumer complaint received 2017-04-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

I have contracte d Navient for over one yea r. I lost my   XXXX   XXXX   in  XXXX  of  2016 . I sent confirmation of this and my  2016  IRS approved  XXXX  and my current income. Navient has not offered ANY assistance and continues to send me past due communications. They list my current monthly bill at {$950.00} which represents over 89 % of my discretionary income. I have been paying {$240.00} which is above the 15 % max. allowed by law on my loans and have been making monthly payments for over 28 months straight. I will be  XXXX   XXXX   XXXX  in  XXXX  and have contacted the  Attorney Generals Office ( which has a current law suit with Navient ) because of the same issues I 'm experiencing. This company has no desire to work with any of its borrowers. They push you to take a 45 day forbearance which is nothing more than a bandage on the issue- not a solution. Navient does not honoring or even entertain " the income based repayment options '' offered by the Department of Education ( which I have filed and sent the back up documentation to Navient - twice - ( which they ignore ). I would greatly appreciate your help in getting this Loan provider to follow the current laws and options on student loan rep ayments.    XXXX   XXXX   XXXX
Consumer complaint received 2015-10-23
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Paypal Holdings, Inc (NV)

As reported on Case number : XXXX, PayPal opened an unrequested and unauthorized credit line and their actions have severely impacted my credit score. When contacted, PayPal denied having opened such an account, and said they had closed all my accounts with them. However, today I received the attached statement of this unrequested and unauthorized account.
Consumer complaint received 2022-02-14
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: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2022 I requested the company to SEND ME the original signed credit application, cashed checks used for bill payment or original billing statements of the " debt '' because I don't remember owing the debt nor in the amount reported to the credit reporting bureau ( s ). 

XXXX rather than granting my request.. XXXX denied my request and said the company Certified to them the information was correct. 

XXXX was not given " conservatorship '' over me nor have I given authorization to the company to be my " interlocutor ''
Consumer complaint received 2017-10-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ROYAL UNITED MORTGAGE LLC (TX)

I was contacted by XXXX XXXX of XXXX XXXX XXXX I gave her some information on XXXX XXXX she contacted me and said I was approved for the loan, but I have to get an appraisal for {$450.00} from this specific company that they go through for appraisals I told her I did n't have that type of money obviously looking at my income that is nearly half of my monthly income so she knew that I was borrowing the money she told me and the borrower on speakerphone that will be closing in two weeks and I would be able to give the money back, the appraisal company help my money for over a week and did n't do an appraisal within that time she contacted me and said I was denied and I asked about my refund she said she would talk to her manager the next day when I contacted her she said I was asked me if I was excited because I 'm approved they sounded different underwriter and not to worry so that day or the day after the appraiser came out of course to do the appraisal. XXXX had put somewhere in some paperwork that my house was worth {$90000.00} the appraisal came back for {$73000.00} I would have never estimated so high but somehow she came up with that *she also lied to me and told me that the APR was 4.7 when he was actually 5.6 for the proposed loan she actually lied to me twice and told me I was approved for the loan obviously because I 'm not, she misled me to believe I was approved, I did not have to agree to do the appraisal, had I known I was denied but she lied to me and told me that I was approved. Now she refuses to respond to correspondence in her company is not cooperating and giving me my money back. It 's already been a month she told me and the borrower that we will be closing in 2 weeks so I could give the money back with the cash out and it 's been over a month now, I still have to pay back that money to the borrower They Do n't Really Care that the loan did n't go through she said we will be closing in two weeks and so I was expected to pay this money back in 2 weeks unaware that being so misleading was part of professional courtesy. For now the law and compliance Department of XXXX XXXX mortgage is doing an investigation on recorded phone calls to see if she told me that she would give me a refund on my denial. It seems very condescending why would she make that type of insurance when she had told me I was approved? I need that money back.
Consumer complaint received 2015-09-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

I applied for a modification in XXXX 2015 and continued to respond to requests for additional information through XXXX 2015. At a court date on XXXX XXXX, 2015, I was told orally by a representative for ASC that I had been denied for a modification. I was told at that court date that I would receive a letter explaining why I was denied. But, ASC has not provided that letter explaining why I was denied.
Consumer complaint received 2022-08-09
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. (NV)

Companies continue to traffic my non personal information. I have reached out to XXXX of XXXX, XXXX, XXXX XXXX. I have put Equifax, XXXX, XXXX on notice of the fraud. It has been over XXXX days. All companies continue to conspire against me trafficking my nonpublic information without written consent or instruction by me the consumer. Causing damages, mental anguish, and defamation of character. Willing and knowingly violating federal law. I have made numerous complaints and companies continue to threaten and use abuse practice against me.
Consumer complaint received 2016-05-07
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (PA)

Complaint : CitiMortgage, XXXX & XXXX posted our mortgage payments from XXXX XXXX to present year XXXX and called to collect over the phone payments ( EFT - electronic funds transfer ) for the ( ACH - automatic check handling ) payments in the form of personal checks already posted to our account, assessed us late fees for additional payment applied to principal ( misappropriated installments including XXXX PA real estate taxes, city of XXXX PA taxes and XXXX Area School District Taxes ), reported out posted late to national credit bureau XXXX XXXX and XXXX when our Mortgage insurance payments were never late, our CitiMortgage note terms should have been stated in rider when servicing changed ( XXXX of the month due with 15 days grace period ) we were never late greater than 10 years of payments, applied additional fees for servicing, denied loan modification application, denied refinance application, denied federal application for HARP, added additional interest on our original note dated XXXX XXXX with fixed 5.5 % interest backed by XXXX and added additional finance fees on top of the finance fees assessed on our settlement document, thus misappropriated our mortgage financing with interest payments reporting us in foreclosure as delinquent - erroneously. We wish to receive legal writ of satisfaction for all mortgage payments applied to principal and mortgage loan note. We provide the attached uploaded document record of all carbon copy personal checks log, and printed franked records made available online. We wish to include class action notice with XXXX c/o XXXX and have not received any payments nor listed us for XXXX records. CitiMortgage, XXXX & XXXX have exceeded 7 - 10 days written response to our letters, exceeded the 30 day investigation thus escalating our qualified requests in writing for mortgage principal payment adjustments citing additional yearly payments applied, denied request for reverse late fees providing franked records of posted payments withing the note guidelines, and failed to refund monthly monies assessed accordingly. We provide detailed documents to stop phishing, harassment, imposing XXXX, undo stress and deformation of character. We seek restitution thereof, to be made whole, and immediate writ of satisfaction ( mortgage paid in full ) immediately.
Consumer complaint received 2024-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WY)

I have requested in writing multiple times that Mohela direct my payments to the Unsubsidized portion of my loan. I even wrote the request ON THE CHECK they cashed. 

Mohela ignores my written requests. Also, nobody answers their phones. 

Also, Mohela cashed my XXXX payment but still says I " missed a payment. '' I mailed them a check and they took over XXXX weeks to process the check.
Consumer complaint received 2022-09-06
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. (NC)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2020-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NV)

Between XX/XX/XXXX-XX/XX/XXXX, I spoke with representatives from FCO ( FAIR COLLECTIONS AND OUT ) regarding an account listed on my credit report. During these conversations, FCO and I made an agreement for me to pay a total of {$9800.00} to settle my account and to have this account completely removed from my credit report. 

On XX/XX/2019, I received confirmation via email that FCO had received and accepted my money order payment of {$9800.00}. The following statement was made by FCO according to the final settlement letter : " This office accepted a settlement for {$9800.00} on your account. Therefore, this account has been closed in our office as settled. If any credit bureau was notified of this account they will be advised to update the account as settled. '' After receiving this confirmation and agreement to settle debt and close the account, I noticed that the credit bureaus were indeed notified and the FCO account on my credit reports was removed, per FCO 's agreement. 

I also disputed this with XXXX  via XXXX, an apartment credit reporting organization during this same time period. After investigating this case, XXXX  verified my statements as fact and as a result, XXXX  sent me a confirmation letter stating that this collections account had been successfully removed from my rental history credit report. 

Less than 1 month later, I noticed FCO had fraudulently resubmitted my account information to the credit bureaus and has begun reporting the account negatively as collections. This has had tremendous affects on my well-being and ability to find stable housing and transportation.
Consumer complaint received 2021-01-18
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. (MD)

It was a FHA mortgage that was in CARES Act forbearance and was repeatedly assured that no negative reporting would occur. The house was sold and paid in full then after XXXX XXXX reporting 90 days late and my credit score was greatly affected.
Consumer complaint received 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have reached out to Equifax several times in the past few months as it pertains to my credit report. I have been erroneously denied credit, checking accounts and loans after being a victim of hurricane Irma due to false information on the Equifax report as Equifax is reporting me a deceased! on XX/XX/XXXX I mailed and faxed a copy of my ssn card and drivers license to have the account updated. I received a letter stated it had been updated to only find out on XX/XX/XXXX when I went to apply for a emergency relief loan thru XXXX XXXX that the account was reflecting with limited credit due to consumer deceased alert! I was also denied a checking account thru XXXX XXXX XXXX XXXX due to the same error! I called Equifax on XX/XX/XXXX after waiting 3 hours the rep advised that they were showing no errors. Call disconnected and I called back on XX/XX/XXXX and requested a supervisor, only to be told that they do show the error and it was a technical glitch and it would be corrected within 24-48 hours. I waited that time and reapplied for the emergency relief loan and credit card- only to be declined for the same issue! I am livid. I have inquiries that should not be, I even ordered the Equifax credit report, however credit card companies, which I have a denial on file to show you have erroneously denied and extended credit due to an error that should have been fixed months ago. It is not fair and it is illegal as they have had months to correct.
Consumer complaint received 2015-09-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Webcollex, LLC (AZ)

I have been receiving calls from XXXX repeatedly at my employer and on my cell phone. 

This person does not identify themselves, they simply say that they are trying to collect a debt. I have asked them repeatedly to stop calling and they continue. 

They have not said who they are, who they are collecting for and what company they are calling from. 

I googled the phone number and see many complaints about the same experiences I am having. 

I have no outstanding debt in collection and believe they are phishing for personal information.
Consumer complaint received 2017-05-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CT)

I was supposed to receive a credit for the account assure being charged on my victoria secret card and to date have not received anything. I 've been paying for this service since before  XXXX     2016. T here is no answer when you call the phone number they provide.
Consumer complaint received 2019-02-25
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Waypoint Resource Group, LLC (FL)

XXXX XXXX the company listed the debt twice on my XXXX credit report. Then tried to call and say they was with the FTC and or I would be turned over to the police for not paying the debt. 

See Credit Report Collections Field.
Consumer complaint received 2016-09-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Grant & Weber (IL)

This debt was created from my Illinois department of human resources XXXX account. I went away to XXXX and somebody fraudulently renewed my length of benefits and continued to received my benefits while I was XXXX. I was XXXX from XXXX/XXXX/2015 to XXXX/XXXX/2015. When I got XXXX from XXXX I was denied benefits due to fraudulent charged on my Illinois XXXX while I was in XXXX. I have no idea what to do or how to get this debt resolved if I had nothing to do with it since I was in XXXX over the 6 month period the card was being used.