davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-13
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: Synovus Bank (TN)

Someone had an account with XXXX XXXX so when I found out I called them to let them know and to close the account. Now every once in a while I recieve another random inquiry from capital bank so I had to dispute and lock my credit report. However, even though I told them this wasnt my account when I called to have it closed. They are still reporting a balance on a CLOSED AND INCORRECT ACCOUNT It had been over 120 days and I have been constantly sending letters with no reply.
Consumer complaint received 2016-11-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America Have Started A Foreclosure Action Against Me On XX/XX/2015 And They Do n't Have Legal Standing, Right Or Legal Capacity All Documents Submitted on The At Bar Is Fraudulent See case At XXXX under Civil cases XXXX Or My Name XXXX XXXX See Case XXXX Also XXXX .vs XXXX XXXX , the never responded to my RESPA AND TILA IN VIOLATION OF US AND STATE LAWS.
Consumer complaint received 2020-10-13
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. (TX)

My most recent dispute with Experian resulted in a public record being verified. During previous disputes I have asked for supporting documents and proof to validate their decision. I stated that the public recorded that is reporting on my credit report is not mine. The previous investigation did not meet FCRA. I was not given the documents that I request to prove this was a proper and thorough investigation. I am demanding all original documents from the original furnisher such as documents containing my signature, contracts, and or signed agreements. Also Im demanding documents used to determine your decision in this investigation such as address, phone numbers, dates, times, and name of person that your company communicated with to verify such inaccurate information. I would like this information within 15 days. 
XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-11-27
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. (LA)

On XX/XX/2020 I sent a dispute letter regarding on those inaccurate and unknown accounts. But today its Over 30 Days and I haven't receive any response. I was a victim of XXXX  Data breach. I demand to remove Asap those Accounts or I will file a litigation.
Consumer complaint received 2022-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (PA)

My issue is with mohela. I was transferred to this servicer and have not been able to get a hold of them about my loans. I have been on hold for hours at a time and the one single time I got to talk to someone they gave me a blanket answer and didn't even look into my account. I have huge concerns over how my loans will be handled and in dealing with their non-existent customer services.
Consumer complaint received 2019-02-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (GA)

I've been offset again this year for loans. I'm not sure what the meaning of economic hardship means to the Dept of Education, but I'm a single parent, with five dependents. My income is below the poverty level, one of my children is XXXX and receives SSI due to the lack of income. I don't understand how I don't qualify to file for a hardship even if I had to apply two years ago and my income has decreased since then??? My family is homeless, and I have a vehicle that is in need of repairs. We live in a rural area where there's no public transportation to get around, and simply can't afford to have this money taken away. I got no letter, the XXXX XXXX XXXX XXXX did not provide the most up to date info in reference to offset info. I was under the impression that this was a legal requirement. I need help here please.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc. (WA)

I have a credit card and a loan through Avant, about 4 months ago they blocked my access to my account online. They are taking money out of my bank account to make payments, but when I contact them regarding balances or where the money is going, they tell me that according to their records I do not have an account. I recently received an email to call them regarding stopping my ACH transfer, I get the same response, I do not have an account on file for them, yet they continue to take money from my checking account and can not tell me where this money is going. According to my credit report the balance on the loan and card keep rising, no payments are being made to the account but again they keep taking my money. How can I resolve this without losing more money and without ruining my credit because they show I am not making payments on my credit report...? They also refuse to send me paper statements. They said my customer ID number is XXXX but again when I call they have no record of this.
Consumer complaint received 2021-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (GA)

I have received a letter from the bank. It contained the name of the person to contact to unlock my account. I have the court document that the account belongs to me. But the person for me to contact does not answer the phone. He has a voicemail that does not work. He has no email address available. Local bank manager does not know how to help me. I have all the proof, the legal document. No one in the bank knows how to help. The Client Resolution Specialist doesn't exist. I can not access the money in my account. It has been over a week since I found out Suntrust ( Truist ) blocked my account.
Consumer complaint received 2021-07-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Prior to XX/XX/XXXX, worked two part-time jobs.

Affected by COVID, maintained only one, part-time job through XX/XX/XXXX. 

In XX/XX/XXXX, requested COVID relief from mortgage company, XXXX Mortgage. 

XX/XX/XXXX, XXXX XXXX  sold my home loan to an investor. My loan is now managed by Select Portfolio Servicing , Inc . 

XX/XX/XXXX, Mortgage payments resumed, submitted Assistance Review Application for repayment options. 

XX/XX/XXXX, SPS is not providing payment options. SPS requires full payment of forbearance amount ( approximately {$15000.00} ), or Short Sale. 

XX/XX/XXXX, Submitted an Appeal to this decision XX/XX/XXXX, Appeal denied by SPS and stand on initial proposal to repay forbearance in full or Short Sale or Deed in Lieu of Foreclosure.
Consumer complaint received 2017-11-11
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. (VA)

The XXXX XXXX of XXXX, a branch of the XXXX XXXX XXXX XXXX, claims that they are an accredited college. Yet while trying to find options to consolidate and refinance my student loan they are absent from all lenders list of Title IV schools. Therefore I do n't have the option to refinance and lower my rate. My loans are through Navient, who the XXXX XXXX XXXX XXXX directed me to use as a lender. I have a variable rate interest that can be raised at their discretion and the rates continue to go up every month. The XXXX XXXX XXXX XXXX is misleading by saying that they are accredited. What is my recourse?
Consumer complaint received 2017-11-11
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. (GA)

I 'm writing this grievance in regards to XXXX XXXX XXXX credit company. I recently check my credit report and realized there was an account that I did not open. I contacted the credit bureaus and XXXX through certified letters and asking for the documentation that shows my signature that I applied and signed on this account. XXXX has yet to send those valid documents but were sending the credit bureaus this inaccurate information. They in returned sent me billing statements that I knew nothing about. I have tried to resolve this issue for the last 60 days and they keeping saying its me without the proper documents. I have made a claim with the BBB on them also. As a consumer I 'm just trying to clear up this issue and moved forward. 
Thank you
Consumer complaint received 2021-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (AR)

After reviewing a copy of my credit report and I realize that as a consumer Caine & Weiner are violating my rights. They are defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They continuously communicate with me at an inconvenient time about this alleged debt which is another violation according to 15 USC 1692c. I have attached my ID to help identify me and my FTC report.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

After becoming aware of the Equifax Security Breach last week, on X/X/17 I availed myself of their website to check on whether or not my information had been breached. As per their instructions on their website, I completed the online form and received the on screen electronic response that my information " ... ... may have been impacted ... ... '' and it directed me to enroll in their " XXXX XXXX '' product. 

I subsequently called a contact phone listed on their website provided for victims of this security breach and queried them as to whether or not my information had/had not been breached and pointed out that their website had informed me only that it " may have been impacted '' and I wanted to know definitively if if had/had not been. They were unable to tell me and took my phone number and said that when they were able to determine whether or not they could make that determination, they would call me back. Not really an answer and it has been days, and I have had no return call. I also informed them that in addition to my own query, I made up a name and last six digits and submitted a separate query with a last name of " XXXX '' and last six digits of a SSN of " XXXX '' to which the electronic response was that my " personal information was not impacted by this incident. '' The appropriate response should have been that there was no record for the information provided, not that it had not been impacted. 

The individual on the Equifax special phone line only referred me back to the website query point and could not/would not answer my question. Furthermore, they could not even provide me a general phone number for Equifax so that I could further pursue it. It appeared to be a contracted third party that provided me nothing more than did the query webpage. Furthermore, it has been since last week and I still have not call back from Equifax. 

For my genuine inquiry, the response is inadequate. Equifax has obviously identified which files were breached and should tell consumers definitely if their information was stolen or not. There is a lot of work individuals must do to protect themselves if their information was breached and if with this kind of ambiguous response, an individual does not know if they need to undertake the arduous and costly task of further protecting themselves. 
In addition, Equifax should be providing free LIFETIME monitoring, not just a one year program that I will have to pay for beyond that one year period.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc (TX)

On XX/XX/ Checkr initiated a background check for pre employment for a company that I intend to work. I spoke with someone and was informed that they are waiting for background information from the state of Georgia. I explained to the rep that I have never lived in Georgia and no affiliation to that state. Checkr just completed a background check less than a year ago for the state that I currently reside and Georgia wasnt even listed. I am not sure where they obtained a Georgia address but the information they have is inaccurate. I have reached out to the company twice to no avail. I am seeking a resolution and I insist they remove the erroneous information that they obtained immediately
Consumer complaint received 2021-04-27
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: Onity Group Inc. (GA)

This is a formal compliant that PHH Mortgage XXXX has failed to report information to my credit profile and maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify and report, through the physical verification of the original signed consumer contract, I demand to see on my credit profile payments made to PHH Mortgage Service, loan number XXXX,,. Phone number XXXX XXXX XXXX XXXX. 

Your failure to report this account has hurt my credit ability to obtain credit.,
Consumer complaint received 2023-07-26
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. (NY)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report. Thank you. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-29
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. (PA)

I, XXXX XXXX XXXX, consumer, in fact did not consent to, authorize nor benefit from any of the following inquiries. There was no consent nor did anyone give permissible purpose for the inquiries attached pursuant to 15 USC 1681b ( a ) ( 2 ). I have been injured from identity theft from this fraudulent activity. Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act.
Consumer complaint received 2021-03-31
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. (TX)

Account Name XXXX XXXX XXXX XXXX XXXX  Account Number XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX TX XXXX, TX XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} XXXX XXXX {$300.00} Highest Balance {$340.00} Terms NA Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} XXXX XXXX {$300.00} Highest Balance {$340.00} Terms NA Payment History Account Name XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$33000.00} Highest Balance {$0.00} Terms XXXX Months FCRA violations see attachment for proof of why my inaccurate accounts
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Zillow Group Inc. (OK)

I recently refinanced my home with Zillow Home Loans. I signed a Notice of Transfer of Servicing detailing my mortgage would be transferred to a specific company. In addition I filled out an auto draft form and attached voided checks for automatic draft from my bank account. I was told my first payment would be drafted on XX/XX/XXXX. 

On XX/XX/2021 I received a document from a third separate company, XXXX XXXX XXXX, stating that they were my new mortgage service provider and that I needed to fill out another autodraft application and attach more voided checks. I was confused because I was given no notification at signing of this third company. 

I contacted Zillow and was told that my " loan # ... was transferred directly to a new servicer basically bypassing XXXX the first company XXXX altogether. '' I asked them where I signed that they could arbitrarily assign my loan to another company for servicing without any notification. They led me to Section 20 of my Note- which stated that they HAD to give me notification. This led me to research the Real Estate Settlement Procedures Act. Under the Notices of Transfer of Loan Servicingt-12 CFR 1024.33 ( b ) It stated that when any mortgage loan is assigned or sold the former servicer must provide a disclosure at least 15 days before the effective date. 

So Zillow Home Loans failed to follow the law and impinged on my rights as follows : -Zillow knowingly assigned my loan to a third company without notification of any kind. 

In addition XXXX XXXX XXXX failed to follow the law and impinged on my rights as follows : XXXX XXXX XXXX not send the notification within the required 15 day period before the effective date of transfer. In Fact, the disclosure from XXXX XXXX was received on XXXX XXXX- 10 days before the first payment was due. 

This will cause my payments to be late and will adversely affect my credit report and credit worthiness. This will damage my dealings with other business institutions long into the future.
Consumer complaint received 2017-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

I have been reaching out to the Bureau to remove this issue on my credit report since XXXX XXXX, XXXX on several different occasions up until now XXXX XXXX, XXXX. The debt was paid and taken care of. XXXX bank/ Midland finical LLC promised me that account will be removed and deleted from credit reporting in favor to me paying amount. The negative account is affecting my score and causing hardship on my journey to purchasing a new home for my family.
Consumer complaint received 2020-11-04
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. (CA)

I recently reviewed my credit report and found a collections account and multiple inquiries that do not belong to me. I have reached out to the companies involved and am not getting any sort of response. I've had enough patience waiting for them to fix the problem.
Consumer complaint received 2019-11-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pathfinder Credit Services (FL)

An account with pathfinder credit services is showing on my credit XXXX & XXXX  credit report when it is showing fraudulent charges XXXX  has removed the debt collection and secondly I dont even know who that co-signer is! The amount is XXXX $