davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I have made multiple attempts with the lender to secure a loan modification over the last several years. On 2 separate occasions I submitted alleged applications for loan modifications with no ability to submit documentation and with no review of any documentation. On or about XX/XX/XXXX I received a letter indicating that my modification had been approved. However, the lender refused to honor that approval. I filed a dispute with the CFPB and there were multiple responses back and forth in which they continually denied having granted the modification despite the fact that it was provided in writing. The pandemic began in XX/XX/XXXX and I applied for a forbearance in XX/XX/XXXX which put the dispute process on hold. I spent the majority of the following year on state mandated lockdowns and suffered a significant loss of income. On or about XX/XX/XXXX I contacted the servicing center to request a new modification because I was advised that my forbearance period had expired. I was advised that an application would be mailed to me. I did not receive the application. I followed up with a phone call on or about the last week of XXXX to request that the document be mailed out again at which time I was advised again that no submission of documentation was allowed ; and a review of my modification was again conducted without review of documentation. This is the second time that this had occurred. I received an email several days later on Saturday XX/XX/XXXX indicating that a nee loan workout document had been uploaded in my online account. The document was not available in my account so I contacted them on Monday XX/XX/XXXX at which time I was advised that my request had been denied. This is the second time that I have been denied the opportunity for a loan modification as a result of a refusal to review documentation. Prior to the last 2 requests for modification a previous modification that had been granted was denied due to their error regarding a payment that was improperly processed. I have been denied modifications based on their errors and negligence and my loan is now excessive because I have been involved in ongoing disputes due to their negligence and the pandemic. Additionally, I was significantly impacted financially by the pandemic. I spent most of XXXX and the beginning of XXXX on lockdown as a result of state and locally mandated lockdowns. I am now being denied a modification despite the fact that interest rates have been significantly reduced and and my current interest rate is at least 1-2 points higher than the fed interest rates which would significantly reduce my payments. This company has not acted in good faith regarding my current and previous modifications. The denials of my modifications are in violation of the Mr Cooper XXXX Multistate Consent Decree ; and they are continuing in violation of that consent decree.
Consumer complaint received 2019-02-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I have contacted Navient many times about reducing the low income plan due to my fixed income. They have the reduction for two or three months, which I disagreed with the offer. They stated, " They do not have low income at that time for long term. '' I told them, " I need a permanent plan according to my income. '' I looked around, they did a forbearance on the loan. I like to pay on the loan according to my income. This is my second complaint regarding the loan. Also, Navient overcharging late fees.
Consumer complaint received 2022-08-15
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

After being denied credit, I pulled my report and noticed several loans I did not obtain. TWO loans in particular are student loans from the federal government that has been removed from my credit report on many other occasions. These accounts were removed in XXXX, twice in XXXX, XXXX, and three times in XXXX. Since XXXX I have supplied the bureau with countless police reports ( 4 to be exact ), 4 ftc reports, 2 different signed affidavits etc. however this bureau is seemly the only bureau who keep allowing, not only the reinsertion of these two loans but keep claiming to have validated them but will not inform me on who it validated, who validated and by which method. 

these loans were taking out during the same time frame, obtained online and used my old address. I contacted the credit bureaus and was told to obtain ANOTHER police report, get ANOTHER signed affidavit of identity theft and report the accounts to the federal trade commission AGAIN. Per the bureaus request I did all of these things and sent them a packet certified mail with the information. 

the bureaus are now telling me I am not an identity theft victim but placed an identity theft notification on my report. 

AGAIN, these loans are federal loans that previously reported and REMOVED under XXXX, DEPT OF EDUCATIONXXXXXXXX  AND IS NOW REPORTING AS DEPARTMENT OF EDUCATION/XXXX AND OR JUST XXXX AND/OR XXXX XXXX XXXX XXXX literally every few years the name changes but they are the same fraud loans.
Consumer complaint received 2022-02-07
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: Experian Information Solutions Inc. (CA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

XXXX XXXX Unauthorized charges successful iconSubmitted XXXX   XXXX/XXXX  Unauthorized charges successful iconSubmitted XXXX  XXXX  XXXX   Unauthorized charges successful iconSubmitted XXXX/XXXX  Unauthorized charges successful iconSubmitted XXXX  XXXX   Unauthorized charges successful icon
Consumer complaint received 2021-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I deposited a check on XX/XX/2020 in Chase bank ATM machine but the machine took my check and never deposited it, instead the machine gave me a receipt without the amount of money on my check and when I call the customer service they deposited the money to my account but month later they took it back and send me a letter that I didnt have any deposit that day, I still have the receipt from that deposit but they dont care about their own receipt.
Consumer complaint received 2015-08-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX has reported to trans union incorrectly. XXXX XXXX hospital, for {$2400.00} and also {$70.00} which was in litigation and settled on XXXX/XXXX/15, the law suit in our favor and settled all past unpaid medical bills. They settled from {$63000.00} to {$7500.00} all checks were sent out in XXXX of 2015. This should not be on my credit once let alone 2 times
Consumer complaint received 2024-01-18
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: Experian Information Solutions Inc. (TX)

I noticed some credit inquiries on all 3 bureaus XXXX, XXXX XXXX and experience that i didn't authorize or initiate. i, m concern about how this might affect my credit score.here is a quick rundown : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. i take my personal information very seriously and i haven't applied to any of this credit recently or given anyone the permission to check my credit. please kindly remove the above mentioned lenders on my profile. thank you
Consumer complaint received 2021-05-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (TX)

Consumer Adjustment is reporting incorrect and unvalidated information on my consumer report. This debt is not mine and Consumer Adjustment can not provide any proof that I entered any legal contract with them to attempt to collect an alleged debt. Consumer Adjustment has directly violated my rights under FDCPA 15 USC 1692g, and 15 USC 1692f. I have sent Consumer Adjustment letters letting them know that I am requesting them to Cease and Desist from these collection attempts and that I am well within my rights to sue for all violations according to the FDCPA.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2021-05-20
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: CAPITAL ONE FINANCIAL CORPORATION (WV)

I found on my credit scores a hard inquiry on my report. It was from XX/XX/2020. This was put on there without my consent. Someone tried to open a credit card with my information. I've contacted XXXX Bank / XXXX to remove this hard inquiry on my report .They were notified over 30 days ago & Ive contacted them several times to remove it. They still haven't made any attempt to correct this. It is not helping my credit at all.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

XXXX XXXX XXXX XXXX  Account # XXXX is reporting as an delinquent account that I have for over 5 years with no late payment and this is inaccurate. I have never missed a late payment within the 5 years I have had this account so for the Late payments on XX/XX/2018, and XX/XX/2018 marked as 30 days and 60 days late respectively has to get updated across all 3 bureaus and reported right as this is inaccurate and all inaccurate, wrong reporting information has to get removed from the credit report according to the FCRA. See attached documentation.
Consumer complaint received 2016-06-24
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: ENCORE CAPITAL GROUP INC. (MA)

XX/XX/2015, Midland Credit Management was told that I was represented by counsel and that they had failed to respond to a request to produce documents including account statements, account numbers, payment history, proof that account was mine. At that time they ceased all communication. However, for the past two months, thy have violated my rights by once again started calling our number, XXXX and leaving automated messages or hanging up and calling again numerous times. On XX/XX/2015, they mailed me a letter, in violation of consumer protection laws, referencing an account number, account XXXX, knowing that I had counsel. They still failed to provide any documentation or proof that this account belonged to me. I have retained copies of their correspondence. midland was sued by you for exactly this type of violation. They are now trying this same tactic with me, in violation of my rights. I ask that they stop this collection activity immediately or I will file a complaint against them and any counsel contacting me against my rights, with the attorney generals office and take legal action as appropriate for this violation. Thank you.
Consumer complaint received 2015-10-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I have had a checking account at Citizens Bank for many years. In the past year the statements are not correct. Last winter I spoke to XXXX different service reps and they could not help. More recently I spoke to another service rep who started to help and then said it was too much work. Lastly I met with a rep who after spending considerable time with me borrowed my ledgers for several days and then said after going over the bank figures and my figures could not find the mistake. There is a difference of about {$200.00} in their favor. I can not close the account until a lot of checks clear or until this difference is settled. Meanwhile I will not do any more business with them. I have opened an account with another bank but I need to take the money out of Citizens.
Consumer complaint received 2021-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX BANK CREDIT INQUIRY ON MY TRANSUNION CREDIT REPORT I NEVER GANE THEM AUTHORIZATION
Consumer complaint received 2020-06-01
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. (CA)

I closed my XXXX Visa card. Please be clear it is a Visa card with XXXX. I also have a DEBIT card with XXXX and that is not related to this. I closed my XXXX Visa card on XX/XX/XXXX. XXXX XXXX   states they reported the card closed per my request when I closed it. Now I have an inquiry into my credit by XXXX XXXX. XXXX XXXX  states it should not be an inquiry as their history/records show there was not an inquiry only a report. XXXX  does not show the inquiry on my report. EXPERIAN DOES SHOW THE INQUIRY BY XXXX ON XX/XX/XXXX. 

Something is not adding up. The XXXX inquiry will not fall off for two years, i.e. XXXX. No one asked me to make a hard inquiry or informed me one would be made. And as of today, XXXX can not explain how the inquiry was generated to show up on my credit. I want it removed.
Consumer complaint received 2024-02-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Seattle Service Bureau, Inc (IL)

In XX/XX/XXXX. Accident happened. All state never sent me anything about the accident or about what I needed to do on my end. A year later I get a paper from national service Bureau collection for XXXX. On XX/XX/XXXX, They wont give me any proof of pay out or any debt validation.
Consumer complaint received 2019-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC (TX)

XXXX XXXX XXXX continues to call and text my phone about a debt that I don't recognize. They say they're calling on behalf of Why Not Lease It, whom I've never done business with to my knowledge. I have contacted the company, and they are unable to provide me proof of any transaction made. 
XXXX XXXX XXXX told me that they don't have to verify the debt. I've asked them to stop calling me more than twice and for them to communicate with me via partial mail.
Consumer complaint received 2015-08-13
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: BBVA FINANCIAL CORPORATION (VA)

Applying for a mortgage and credit report came back stating that Compass Bank reported I have been delinquent on loan since XX/XX/XXXX. This is not the case. Compass Bank Home Equity Line of Credit account number XXXX was closed XX/XX/XXXX. This is reporting on credit as a new delinquency when delinquency occurred XX/XX/XXXX. I filed a complaint with XXXX in XX/XX/XXXX as I uncovered Compass Bank was reporting I owed {$21000.00} a month - hurting my DTI. They corrected this issue as it now reports I owe $ XXXX but created a new problem as the date of my last delinquency is now reflected as XX/XX/XXXX - the date they corrected the $ XXXX reporting. The date of my last delinquency should be reported as the XX/XX/XXXX date, not the date they corrected my original concern. 

Please help.
Consumer complaint received 2016-05-31
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (FL)

On XXXX XXXX 2016 i had received and email from American Express Serve stating that my pin number was changed, right away i checked my account and i found that someone and transferred {$540.00} from my account to XXXX different accounts, I called AMEX Serve and made them aware of what just happened I went through the steps to re-secure my account IE : change my pin, email address and security question. They then told me same day ( XX/XX/2016 ) that my claim would be reviewed in 3-5 business days and I will have my money refunded. After the 1st 3-5 business days I called requesting a status, every single time ( on a recorded line ) they tell me I just have to wait they have a high volume of these complaints and it will take time. I continued to call every 3 days after no response on the status and every time it was the same story. On XXXX XXXX 2016 I receive an email stating they have closed my account because i was in violation of section 15-d??. I researched what this means and it basically states that i had no money in my account so they closed it and there is nothing anyone can do from this point. I withdrew all the money from my account because after all this back and forth stuff about me having to wait to get refunded the money that was stolen from me i was scared that money would be stolen as well. Now that they have closed my account my current paycheck will be direct deposited to that account and they will have complete access to that money as well, totaling {$1200.00}, I called AMEX Serve and they said " there is nothing we can do we are sorry '', I see your very sorry, needless to say I will be going to small claims court.
Consumer complaint received 2016-05-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I get some accounts on my credits reports with XXXX balance who was closed on XX/XX/XXXX and not going to be removed until XX/XX/XXXX. I want this account to show paid as agreed and be removed immediately. The name of the account is XXXX XXXX XXXX XXXX. The balance on this account is {$3500.00}.
Consumer complaint received 2015-03-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Lendmark Financial Services (MD)

On XXXX XXXX, 2015. I received a call from XXXX XXXX of Lendmark Financial regarding a personal loan debt. XXXX calls my cell phone at least 3 times a day, sometimes back to back. On today when he called me at work, I immediately told him to call me on my cell and when he did he immediately started using an offensive tone and was very rude. He was yelling very loudly. Unfortunately we had a very inappropriate call. He was unprofessional, nasty and very rude and condescending. I have never been harassed like this before in my life.
Consumer complaint received 2020-09-10
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. (CO)

XXXX ; Experian and XXXX should not be reporting that I am ( 120-150 ) days late on the XXXX XXXXXXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a zero dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of 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 2015-05-21
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Lyons, Doughty & Veldhuis, PC (NJ)

I requested verification of debt, debt collector and/or attorney stated they did not have to provide me with proper validation of debt the further stated that copies of past statements were validation of debt. I am not disputing that I owe the company money I 'm disputing the amount I have questions about the debt I requested proper validation of the debt as well as the signed contract from the credit card company and signatures of purchases that I personally made with the credit card none of which I have been given except for copies of statements of two plus years ago.