davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

Hello, I reconsolidated my loans with a new lender, XXXX. They sent 2 checks in early XX/XX/XXXX that were cashed. There was an overpayment of about {$920.00}. I called navient twice to see if the refund was coming back to me. I was told yes by customer service and to wait up to 6 weeks to receive the check. The check never came. I called in early XX/XX/XXXX and spoke to and XXXX at extension XXXX who told me the refund would be going back to XXXX XXXX and that it was cut on XX/XX/XXXX and mailed on XX/XX/XXXX. XXXX XXXX as of today, the XX/XX/XXXX, has still not received the check. I called Navient again last week and spoke to XXXX who said she needed to check with finance to see if they can reissue a check. I was told I would receive a call the next day, which would have been last Thursday and I still have n't received a call. 
As of now I am accruing interest on a balance with XXXX on money that is sitting with Navient. It 's been almost 2 months at this point with no resolution.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

From XX/XX/2024 to XX/XX/2024, my credit report began to show more inquiries that were not recognized. I believe this is a case of identity theft because my information was recently used to create other identity 's and attempt to open other accounts in using my social security number. 

I recently reached out to XXXX XXXX after I was not able to open a checking account due to XXXX XXXX having various other identities linked to my social security number. 

This is my second time having to complain and dispute inquiries that I do not recognize from my credit report. It seems as though someone was trying to open up some credit cards and buy a car with my information.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello, I addressed information that I am absolutely certain that does NOT belong to my identity. The following information is completely inconsistent with my actual identity and it needs to be corrected with haste. I want the results shown on the CFPB Portal. If XXXX is confident with their investigation of this, they can also show results in the CFPB portal. Sending the results separate outside the CFPB portal is a stalling tactic and is contradicting. As you can see in your records I have reached out to you countless times, that being said, you can not say you do not know if this is me or a third party, you have the identification you need. You have 15 days to respond, not 30 days if you try to transfer this issue outside the CFPB Portal
Consumer complaint received 2017-11-21
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. (NY)

I defaulted on a mortgage in XX/XX/XXXX ( the date of my last payment was in XX/XX/XXXX ). The property went into foreclosure in XX/XX/XXXX, my creditor ultimately sold the property in XX/XX/XXXX. It is now XX/XX/XXXX and the mortgage is still on my XXXX and experian Credit reports. The XXXX and experian report clearly shows that my last payment was in XX/XX/XXXX, but XXXX reported that I went from 120 days delq to current in XX/XX/XXXX and then back to 120 days delq in XX/XX/XXXX. As a consequence, this derogatory item is still on my credit report and I have been unable to secure a mortgage refinance for my primary residence because lenders wo n't make loans when a foreclosure is still on the credit report. this foreclosure should have dropped off my report 2 years ago. I have written XXXX and they have yet to respond. when I call XXXX I am ask to hold while I am transfered and then they hang up ( this happened twice ). I have filed two complaints with XXXX via phone and between the language barriers and lack of customer service, nothing has happened ( in fact my XXXX credit score, which I monitor, inexplicably dropped 30 pts ). The written responses from XXXX and experian claim that a change had been made, but the derogatory is still on my credit reports. Pls help!
Consumer complaint received 2021-07-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MS)

Specialized Loan Servicing - XXXX Original line of credit Loan established in XXXX of XXXX. In XXXX the loan was transferred to Specialized Loan Servicing. Made monthly payments on the loan for 10 years and received a balloon payment notice in XXXX of XXXX showing a balance of XXXX due within 30 days. Company would not accept any lesser amount and rejected all monthly payments made after XX/XX/XXXX. Trying to comprehend how the balance is still XXXX after paying on the loan for 10 years. We attempted to work out a payment plan with company, they didn't want to accept anything less than the original amount. We then started working with primary lender refinance first loan to payoff the second mortgage line of credit but In XXXX the company started foreclosure proceedings which forced us into bankruptcy to keep the house. When covid hit in XXXX we were 2 and a half years into the bankruptcy and had the bankruptcy dismissed due to unemployment. In bankruptcy we were paying XXXX per month towards the loan but the account still shows XXXX due. We are working to refinance again but find it hard to believe that we have paid out almost XXXX towards this loan now in the past 14 years and the balance is still XXXX.
Consumer complaint received 2017-12-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (AL)

I opened this loan I think at the beginning of the year or end of last year. I have been a loyal customer they do n't have to call me about a payment l pay when its due or a day later. The way I have been treated since i lost my job on XXXX is pure ridiculous and hurtful. The have customer they have to call every month because they are always behind. When I got this loan i was ASSURED it had employment loss coverage. I called on yesterday to put that into affect only to be told I was lied to and the one they added was XXXX. Well that I would never need and I did not ask for it. But I did ensure that I had the employment loss and i was told multiply times I did. Which was a lie. I was told that I can get my money back for that which would be prorated Okay fine. I was told they did not have the employment check although i told them that was what i needed because I had faced a layoff before and you never know what can happen in the future I was assured that it would cover all loss of employment. The branch when calling today was point blank rude. How do you treat your good customers like this? This turns a good customer into a bad one with rude workers. I need this resolved.
Consumer complaint received 2024-02-20
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX Account : XXXX has violated code 1006.30 Other prohibited practices. States debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ), information about a debt before the debt collector : ( i ) Speaks to the consumer about the debt in person or by telephone ; or mail I have not received any notice from this company. They are in clear violation. XXXX XXXX XXXX also violates.code 15 U.S. Code 1692j - Furnishing certain deceptive forms states : a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

I demand this account is deleted immediately before I seek legal action against XXXX XXXX XXXX delete the below account : XXXX XXXX XXXX XXXX Also violates 15 U.S. Code 1679i - Statute of limitations this debt has reached the statue of limitation and should not be reporting to my consumer report. This is unlawful and against consumer laws. This values my rights as a consumer it must be deleted this information is incomplete incorrect
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. EXPERIAN BUSINESS CRED Inquiry Date XXXX XXXX, 2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Consumer complaint received 2020-04-21
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. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE ARE SEVERAL ACCOUNTS THAT ARE REPORTING LATE PAYMENT HISTORY IN ERROR. I HAVE NEVER BEEN LATE ON ANY OF THE BELOW ACCOUNTS, SO PLEASE AMEND THE PAYMENT HISTORY TO PAID AS AGREED/NEVER LATE
Consumer complaint received 2018-01-15
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NJ)

I have try to reach them for the past 8 months THIS IS A CREDIT CARD FOR A FURNITURE STORE they are charging me about {$2000.00} more of my original debt in interest charge. 
They are saying was a promotional of 18 months which I pay every month. 
but I got a balance remaining and I am getting charge now {$5000.00} instead of my balance of {$2000.00} I ask if I could to a payment plan or I will cancel my balance without the interest and they refused. 
No one told me about this 18 month only promotion I hope you can help
Consumer complaint received 2017-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (TX)

I want to add documents that were not previously submitted to complaint number XXXX : 1. HUD statement at time of purchase, 2. Appraisal value ( 2016 ) by XXXX XXXX XXXX XXXX.
Consumer complaint received 2016-09-29
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (CA)

My sister submitted a credit card application using her name, social security number, date of birth, and address but the application somehow was associated with me and my credit report was pulled resulting in a new hard inquiry. I helped my sister submit her application and I am 100 % sure that all the information was hers and not mine.
Consumer complaint received 2021-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

My mortgage servicer - Lakeview LLC said they made the payment from my escrow account of {$2500.00} for my 1st supplemental tax bill on XX/XX/2020. But that payment never made it to the county of XXXX XXXX. I got a delinquent tax bill from the county and I had to make the payment. However, when I speak to to Lakeview llc they said the county will apply the payment to the 2nd supplemental tax bill. I contacted the county and they said they never received the payment. I need the {$2500.00} back on my escrow or refunded to me.
Consumer complaint received 2017-11-22
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: ACOPIA CAPITAL GROUP (FL)

I sent Loan Officer XXXX XXXX from XXXX XXXX  XXXX with NMLS # XXXX a buyer to get approved for a loan. 
XXXX XXXX was keeping me informed at the beginning with updates & after a while I could n't reach him and after researching XXXX XXXX closed my clients and also stole my real estate commission which XXXX never said he was a Realtor as well. That 's unethical. 

I have the emails as proof. Now XXXX XXXX or his president XXXX XXXX wo n't accept my calls or respond to my emails.
Consumer complaint received 2020-04-20
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. (AZ)

The following unauthorized inquiries are not mines and was not authorized by me, this inquiries are fraudulent and I'm requesting that they be removed immediately. 

1 ) XXXX XXXX XXXX XXXX ( XXXX ) 2 ) XXXX XXXX XXXX  XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX XXXX ( XXXX ; ) 5 ) XXXX XXXX (XX/XX/XXXX ) 6 ) XXXX XXXX XXXX  ( XXXX ) 7 ) XXXX  XXXX (XX/XX/XXXX ) 8 ) XXXX  XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX  XXXX XXXX ( XXXX ) 10 ) XXXX XXXX XXXX ( XXXX ) 11 ) XXXX XXXX XXXXXXXX (XX/XX/XXXX ) 12 ) XXXX  XXXX XXXX ( XXXX ) 13 ) XXXX XXXX  ( XXXX ) 14 ) XXXX  ( XXXX ) 15 ) XXXX  ( XXXX )
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

XXXX account number starting with XXXX is reporting on my credit report and this is not my account. I have tried to speak with the credit bureau but they will not show me proof that the account is mine.
Consumer complaint received 2015-11-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Houser & Allison, APC (WA)

Please cross-reference with XXXX complaint # XXXX. 
I was contacted through email ( attached for this case ) on XXXX/XXXX/2015 by attorney XXXX XXXX with the attorney firm of Houser & Allison, APC. She said that they are outside managing counsel for XXXX XXXX XXXX, XXXX, and were retained to handle issues surrounding a loan. In my initial response to XXXX XXXX, I asked if they were representing any other parties other than XXXX. In her response, XXXX XXXX said that they represent XXXX and the owner of the debt without identifying who that owner is. In my response, I asked who that party is, and any other parties yet unidentified. Her response ignored this question and other questions, and proceeded to threatened me with foreclosure on the property. 
Previously to dealing with Houser & Allison on this matter, I had to deal with the attorney firm of XXXX XXXX XXXX. I was contacted in the same fashion, through email. I asked similiar questions to the attorney for that firm, who refused to answer them. 
There was a previous attempt to foreclose on the property by a foreclosure trustee, XXXX XXXX XXXX XXXX After I disputed the attempt to foreclosure with them and XXXX , eventually the trustee sale was discontinued. 
There has been a total disregard from XXXX and their vendors representing them to address my questions about the validity of the claims and legal standing that XXXX has to foreclose or modify a loan. My questions are never answered and they only respond with the information that they choose to put forward as a response which has nothing to do with my questions. 
I believe that these 3rd party trustee and attorney firms are hired in attempt to foreclose and liquidate the property to enrich XXXX, and are acting as debt XXXX under the FDCPA and they must comply with the requirements of it. 
I will be sending a debt validation letter to XXXX XXXX and Houser Allison on XXXX/XXXX/2015.
Consumer complaint received 2016-04-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paypal Holdings, Inc (VA)

I never opened a Pay Pal credit account. Despite that I am now receiving calls from XXXX, a collection company acting on behalf of PayPal Credit, demanding that I owe them over {$1000.00}. This is absurd. I have never received anything in the mail or by email regarding any such account, charges to any such account or anything else. I assumed this was a phone scam of some sort, but XXXX XXXX XXXX appears to be a legitimate company
Consumer complaint received 2020-04-21
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. (UT)

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a copy of my current account summary from XXXX and it clearly shows that this account is current. I have never missed a payment on this account and consequently the late that is reporting is in error. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2017-10-13
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. (NJ)

I have an account with XXXX XXXX for an auto loan. The account is no longer with XXXX XXXX. It is now in the possession of a lawyer whom is taken care of it separately. This account should be removed since its no longer with XXXX XXXX contacted XXXX XXXX through Consumer Financial Protection Bureau and all they said was they cant do anything about the account since its no longer in there possession.
Consumer complaint received 2017-12-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (MA)

Already filed a complaint against the company and the agreed to cease and desist, file # XXXX with the cfpb. They are now using another family memeber s name to try to collect the same fraudulent debt.
Consumer complaint received 2020-04-21
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. (CT)

The following inquiries have been on my report out of nowhere. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge and I have been having issues with fraud for the past 3 years. The creditors said that they had notified Experian of this and it is Experian who should make these changes by removing the inquiries. 

XXXX XXXX XXXX Inquiry Date XX/XX/2020 Finance Reseller EXPERIAN BUSINESS CRED Inquiry Date XX/XX/2020 Credit Bureaus
Consumer complaint received 2015-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX shows on my Transunion credit report under " Account Review Inquiries '' with permissible purpose noted as " collection ''. I do n't have any collection issues and I have not heard of this company. So, I called them to ask why they were on my credit report. They could not give me an answer.
Consumer complaint received 2016-03-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA (PA)

I am currently unable to afford my debt due to going through a divorce and not having decent employment. I am working as a waitress part time, trying to find a teaching job in the area. I am on government assistance for health care and food stamps and with my income situation, I can hardly afford rent to support myself and my daughter, let alone student loans at the same time.
Consumer complaint received 2017-03-08
Product: Mortgage — Reverse mortgage
Issue: Credit decision / Underwriting — 
Company: AMERICAN ADVISORS GROUP (DE)

AAG is actively engaging my husband, XXXX, to enter into an reverse mortgage with the company. I have informed AAG that I ( co owner of house ) have not knowingly applied for a loan with them and that my husband is ill and unfit to enter into any business relationship. XXXX agreed to purge our information from their data base. However, that was not executed and they are actively pursuing a loan with XXXX.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

Transunion delete these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have not supplied proof under the doctrine of estoppel by silence, Engelhardi v. Gravens ( mo ) 281 SW 715.719, I presume that no proof of the alleged debt. nor therefore any such debt, in fact therefore exists Remove immediately XXXX XXXX
Consumer complaint received 2018-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

On XXXX XXXX, XXXX I paid my Mortgage to US Bank, XXXX and {$200.00} toward principle reduction. The receipt show the date paid as XXXX XXXX which makes the payment late and a late fee of {$50.00} is due. I ask the teller that accepted the payment, XXXX, I do not beleive that XXXX is her actual name I had to ask her 3 times for her name, claimed that US Bank policy forbid her from writing the actual date the payment was received on the receipt or giving her name or Employee # to identify her. She said quote " I do not want to be liable for receiveing the Mortgage Payment ''.
Consumer complaint received 2017-12-05
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: Experian Information Solutions Inc. (AL)

I went to purchase a vehicle. I spoke to a sales person in regards to said purchase and he stated once we found the vehicle which we were looking for he would run my credit. Well he stated and agreed that my credit would not be pulled until we found the car. We never found the car that day ( XXXX XXXX,2017 ) yet on the following day my credit was pulled by his sales manager as he was n't present with the sales counselor of record when we spoke about finding the car and applying for a loan. I spoke to the sales manager he apologized for it as he stated he was unaware and that he would write a letter illustrating this mistake and contact his boss so the  inquiry would be removed. The inquiry is still reflecting on my credit report and has not been removed.