davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MD)

During the perioid of XX/XX/XXXX to XX/XX/XXXX I was going through hardship being a single mom, trying to further my education plus being on the system. I struggle a lot with XXXX. I applied to have to loans payment reduce or pause until I was able to pay all bills on time. To my knowledge this was done. Finally 2-3 years later I am able to start paying some amount which is at a fixed rate, but what was not disclose to me is that XXXX XXXX or Navient report me last 90-120 days on my credit report. I barely have money, now I barely have credit!!! Also a victim of Identity Theft I been fighting now over a year to have my credit fix. I been fighting with the bureaus and now Navient that I was never late paying my loan, I filed the correct payment hardship so I would not be penalize for my struggle. I have gotten no where with the credit bureaus and also Naveint. This have place such a depress tole on my life I am thinking of filing bankrupt just to get some ease. I wish to just have the late payment marks on my credit report remove and the correct payment history I reported. I am not running for what I owe I will always repay any help from my Lovely Country but this is not fair.
Consumer complaint received 2023-04-05
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. (TX)

on XX/XX/2023, XXXX XXXX adds a derogatory mark on my credit report per XXXX XXXX and XXXX. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX and i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX did not verify my debt validation, and which shows XXXX XXXX  has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 

Account Name : XXXX XXXX acc # XXXX, ( XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 Section 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 a 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 record of conviction 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-02-23
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (CA)

I applied for a XXXX XXXX XXXX credit card from Chase on XXXX/XXXX/2015. Due to a credit block I had previously initiated on my report there were additional verification steps I had to take before I could open the account. I was told I would receive correspondence in the mail with more information. Upon returning from vacation in early XXXX I opened the correspondence and completed the verification with a nice woman on the phone on XXXX/XXXX/2015. I 'm not sure how, but Chase was able to place a hard inquiry on my credit report on XXXX/XXXX/2015 even though it was supposed to be blocked. When I completed the verification on XXXX/XXXX/2015 Chase placed a second hard inquiry on my credit report in less than 30 days which has done some damage to my credit score and perceived creditworthiness. I called and talked to a representative regarding this issue and requested repeatedly that one of the inquiries be removed. Chases agent was adamant that Chase would not remove the second credit inquiry from my credit report because it was " Not done in error '' I understand that every inquiry is part of the process to review an application. While I did authorize Chase bank to run my credit report ONCE, they were somehow able to pull my credit information from XXXX prior to my authorization and a second time after my authorization. 

I dispute that I should have XXXX inquiries on my report for XXXX credit card application.
Consumer complaint received 2020-10-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WSFS FINANCIAL CORPORATION (CA)

Lien Removal not recorded after refinance. My parents refinanced our house over 10 yea
rs ago from XXXX XXXX XXXX  to XXXX XXXX, and the balance from XXXX XXXX XXXX  was paid off as part of the refinance. However, XXXX XXXX never removed the lien with the county. So when my parents deeded the house to me and I tried to sell it, the escrow company is withholding the proceeds due to this unrecorded paid-off lien.

I contacted WSFS Bank who acquired XXXX XXXX XXXX  over the phone multiple times and faxed the documentation on XX/XX/2020. Their response has consistently been that they don't even have this loan on their system and they needed to research it more. And since this loan was not on their system, they could not issue a " case number '' to keep track of this inquiry. So every time we contact them, they have to restart and " look into it '' again and again. 

My complaint is that this lender ( XXXX XXXX XXXX, and successor, WSFS Bank ) failed to record the lien removal for over 10 years and is causing lost of income/interest from the proceeds from  the sale of the house ( sold in XX/XX/2020 ).
Consumer complaint received 2022-07-20
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. (CA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$220000.00}, XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

I returned money from my loan within 90-days following the distribution of the second half of my loan for year ( i.e. money distributed in XXXX -- & gt ; money distributed in spring, which I then returned part of the money ). However, instead of having that money being returned to the principal amount, Navient handled that refund ( i.e. I had no other option ) so that the money returned went towards interest and repaying off the first half of the loan ( XXXX loan ). As a result of this money going towards interest rather than all to principle ( which should be case given I was returning it within 90 days ), I ended up having to pay more since my principle was higher and accumulating a greater interest over time.
Consumer complaint received 2015-05-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

on or about XXXX/XXXX/15 XXXX XXXX credit withdrew XXXX of dollars from my wifes checking acct when she was trying to make an automated payment of {$25.00}. a XXXX later, she was admitted to XXXX XXXX, and we were not aware of the problem until over a week later. we contacted XXXX XXXX, ( the credit card co ), and bank of America almost on a daily basis for a XXXX of weeks, this included several XXXX way calls with both companies reps. I have also made a couple of visits to the bank and spoken with the manager ( who by the way is short with me, and dismissive of my concerns. ) XXXX XXXX reps have been very helpful in trying to resolve this problem, but the mgr at the bank has been hanging up on them and totally unhelpful. the money was sent back to my wifes acct on wed XXXX from XXXX XXXX in the amount of {$500.00} but nothing has showed up in my wifes acct, which has been in the negative {$170.00} for over a month. this acct is only for her small XXXX check ( approx. {$200.00} mth ) According to bank of Americas rep, there is no record of this transaction, and the people at XXXX XXXX have a record of it being sent on XXXX @ approx. XXXX XXXX EST. I NEED Y0UR HELP!! I have called and called and as of today ( XXXX XXXX ) there is still no action, and the acct is still negative. I do n't know what bank of America is doing with this money, but they are totally dismissive of my concerns. please
Consumer complaint received 2022-08-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland funding has been harrassing me over a debt I have no knowledge of for the past 7 years. They have contacted my place of work, which they were informed by my XXXX was not allowed back in XXXX, but still did it after the fact. I have prior co workers who can testify to the harrassment as I had my workplace phone on speaker when the calls occured. They continuously send me notices in the mail trying to get me to pay. The notices I receive claim the debt was charged off in XXXX of XXXX. 
They called and harrassed me for years threatening me, cursing at me, and threatening legal action. It stopped for about a year and now that I have moved to a new state it is suddenly starting again. This alleged debt is far past XXXX statue of limitations on debt, which is 4 years. I want the harrassment to stop. This is also not on my credit report so I am confused as to why they are still pursuing me. 
I will not be paying a XXXX to this scam of a company and I want the constant attempt at communication to stop entirely.
Consumer complaint received 2016-10-14
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

In XXXX 2011, my mom and I purchased a multi-family house in need of renovation, from Bank of America for $ XXXX in a short sale. At the time, the Bank of America loan officer handling the short sale ( XXXX XXXX XXXX ) told us the house would not qualify for a financing via a conventional fixed mortgage with 20 % down, due to the condition of the property so he arranged an FHA loan, even though we had enough cash on hand to buy the property outright at the time and would have preferred conventional financing. The FHA loan came with a mandatory 5 yr PMI payment that we were told we could remove once we reached the 5th year by providing documentation of the increased equity value from the renovations we were undertaking and paying for a new appraisal to verify the improvements. To date, we 've improved the property by more than {$95000.00} in materials and restoration work. At closing when we asked again, the Bank of America loan officer repeatedly assured us that upon presentation of the completed renovations including all new windows & door, new porch, new deck, new kitchens, new bathrooms, new plumbing, new hot water heaters, new furnace & updated electric, we would be able to remove the PMI. It has now been 5 years and upon contacting Bank of America, we are being told something entirely different. They say we can not remove PMI unless we make an equity payment of a lump sum to bring the loan value to 78 % of the original purchase price & appraisal value ( which is significantly undervalued because of improvements ), even though we were specifically told otherwise as we went through the loan process and also upon closing. This is not what we agreed to nor did we sign anything that said that.
Consumer complaint received 2022-02-07
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. (AL)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$540.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$170.00}, XXXX XXXX XX/XX/XXXX {$320.00}. Inquiries : XXXX O/T XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting.
Consumer complaint received 2023-03-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weltman, Weinberg & Reis Co., L.P.A. (KY)

I am disputing a credit card lawsuit with the plaintiff as XXXX XXXX being represented by Weltman Weinberg & Reis. I was served papers by the county Sheriff around XX/XX/XXXX with a motion to sue stating that I owe a balance of XXXX but the paperwork did not have an itemized breakdown. I responded back within the 20 days given asking for validation of the debt. However I did not hear back from the law firm again until XX/XX/XXXX with a motion to move the court case to my current county of residence. At this time, I asked a lawyer for help with whom I thought had settled the case due to the lawyer finding discrepancies in the paperwork and process. However in XX/XX/XXXX I received another motion from the creditor asking for a judgement in the court for the amount of XXXX ( a change in the amount owed ). This time the paperwork included more information however the itemized statements still do not add up to XXXX and are not easily legible. Also the paperwork has an address that I have never lived at. I responded to this motion as well and recently received paperwork stating that I now have a court date set for XX/XX/XXXX. 

I am not aware of the date that this credit card was opened and the amount owed has shifted from XXXX to XXXX. I received a response from law firm of the debt being validated but never received proof of the debt such as original contract with signature and a complete list of itemized charges totaling the alleged amount owed. I attempted to call XXXX XXXX XX/XX/XXXX but they stated the account is being held by Weltman, Weinberg & Ries. XXXX XXXX did offer to open a dispute due to the discrepancies however someone recommended to put a complaint in with CFPB due to in the past the law firm has taken over 1 year to respond to previous request and I now have a court date set.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I reviewed my credit report and noticed that multiple over 30 day late payments were reported on an account of which specific payments were not over 30 days late. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I was not over 30 days late on these payments reported by XXXX XXXX, account XXXX between the years XXXX and XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be.
Consumer complaint received 2016-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: FIRST HORIZON BANK (AL)

On XXXX XXXX, 2016, I sold a condo to folks who previously had rented the property from me ( XXXX XXXX and XXXX XXXX ). As part of the purchase contract, I paid the closing costs. As part of the final Settlement Statement, the mortgage loan officer and the closing agent stated by phone and email that if we did not purchase the " optional '' owner 's title insurance policy that the price of the lender 's title policy would increase proportionally. In effect, this practice forces the purchase of a product ( the owner 's title policy ) to the detriment of consumers. I am seeking a refund of this cost ( {$270.00} ) and for regulatory intervention by the CFPB to consider ending a practice that is unfair to consumers. 

The purchasers have given me authorization to file this complaint on their behalf. Thank you for your assistance! 

XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2015-07-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (CO)

This is from XXXX that I looked their website but I did not registered as their member. They are trying to collect debt from me that I did not registered with them and did not get their dvd or service, etc.
Consumer complaint received 2020-10-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MI)

I sent a certified letter ( tracking XXXX ) via USPS mail LVNV Funding XXXX XXXX XXXXXXXX XXXX, SC. XXXX on XX/XX/2020 req

uesting VALIDATION not verification on a debt they say I owe to them. The letter was in fact was delivered and signed for. I have received NO RESPONSE at all regarding this matter. I neither affirm nor deny that I owe this debt and under the Fair Debt Collection practices I am entitled to receive validation and other information I have requested in my letter to them for this debt that they have reported to all 3 credit bureaus.
They currently sit with a little over XXXX complaints filed with the Consumer Financial Protection Bureau ( or CFPB ) and over XXXX with the XXXX XXXX XXXX.
Consumer complaint received 2017-03-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ATG Credit, LLC (IL)

On XX/XX/XXXX, XXXX received a call from a representative of XXXX University regarding taking a class online. At first while talking to the consular, it sounds like I would be interested so I checked out the website but had not taken any class 's or gone to the University to participate in any of their class 's while living in XXXX, XXXX. 

I decided that I was not interested in taking any class 's online at XXXX University or I did not sign any agreement with XXXX University. They stated that they have an electronic signature on file. ( See attachment ). 

XXXX University kept on calling me about taking the class until I moved to a different location in XXXX, XXXX and there was no more contact with them. 

While I was living in XXXX, XXXX I started to inquired about my credit history XX/XX/XXXX and found XXXX University had place a balance own my credit report, owing them {$540.00} for classes I did not take online. 

Attach is the documents that ATG Credit sent to me, they are the third party that is trying to collect this money for me.
Consumer complaint received 2016-09-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NY)

I have been working to repair my credit of which I have been having success. I had a Tax Lien ( with the tax Lien on my credit report, my credit status was XXXX ). I decided to go ahead and pay off this Lien because I was now in a better financial situation to do so. I was so happy the day I got the release letter from the tax board until I looked at the credit I was trying so hard to repair. My score fell to XXXX and remains there. I have asked the credit bureay to remove it since it has been satisfied, of course they would n't. 
I had better credit with the lien on my record, than now that I have paid it off. The tax board says they have nothing to do with this. Why are people being punished for trying to do the right thing. 
I would appreciate if you can help me in having this removed from my credit, I was in the process of purchasing a house and it was being quite successful until my score plummeted to XXXX. 
Please help me get this removed. I have enclosed my Tax release.
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!