davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: ALLY FINANCIAL INC. (CA)

In XX/XX/XXXX my vehicle had a total loss I made the payment for the month of XXXX but in the month of XXXX the insurer told me that it was going to answer for my car not to make any more payments so I did not make the payment in XXXX on XX/XX/XXXX, the insurance company sent the check on XX/XX/XXXX, but the company where I had my credit threw the check away, so they made me pay the XXXX fee. In XXXX, the check did not appear and the insurance company issued another check for On XX/XX/XXXX, they already had this check, my quota expired on the XXXX of each month, so on XX/XX/XXXX, after I had called the day before, and the people who answered me said that I had 10 more days until the check arrived. Just like that, they reported me and they lowered my credit by XXXX points and the check was cashed on XX/XX/XXXX and they reported me and my husband on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-10-22
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: NAVY FEDERAL CREDIT UNION (GA)

I sent a dispute letter to all 3 credit bureaus about a charge-off account that in my name. I stated in my letter that a document showing that I signed for the loan amount was accurate. The credit bureaus and navy federal did not produce any documents that verified I owe the amount of XXXX to the navy federal bank. XX/XX/2020 is the date I sent my dispute letters and XX/XX/2020 is when I received my response
Consumer complaint received 2020-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report
Consumer complaint received 2017-08-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (GA)

I received an alert from my XXXX account saying to check my credit monitoring. I noticed that Enhanced Recovery Collections was reporting to XXXX some sort of Collections account. I do not have any accounts with this Debt Collector and do not know why they have put this information on my Consumer Report. I need to know why this was put onto the Consumer Report without prior consent from the Consumer. I am an older American who  does not know why this is normal practice with the Credit reporting agencies please stop this criminal behavior. I wish this would cease and desist pursuant to 15USC1692 c c. This crime of identity theft has been visited by the President who says that there is a travel ban on invasion of the American peoples information. Please show me the employer identification number for Enhanced Recovery and also I need to see the employer identification number for XXXX and also all of the identifications for whomever had this derogatory information placed on the Consumer Report. I have got to figure out who provided all of my personal non private information for all of the public to see. It has to be known who and what and why it has been provided. This obscene and profane language has got to stop. It is a crime pursuant to 18USC242 I must have the right to defend myself before anything is placed on my Consumer Report.
Consumer complaint received 2019-11-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC. (NC)

I lost my job in XXXX, XXXX. I went through my savings and retirement while I was looking for work and didn't find a new job until XX/XX/XXXX. That was a 3-month contracting position that ended XX/XX/XXXX. I fell behind on my mortgage and began applying for a loan modification later in XXXX when I found work but at a fraction of what i was making before I lost my original job in XXXX. I was declined the modification and reapplied when my wife started working as well in XXXX of XXXX. My request was declined yet again and I applied for a short-sale and was approved by Suntrust to pursue it. I listed my home with an agent and got an offer which I presented to them but they did not accept the offer. They gave me until XX/XX/XXXX to get another buyer but they set a price that they would accept which was a new stipulation not in the original agreement and did not constitute a short sale at all but one that would make them whole. 
They also stated that if I did not get a contract by XX/XX/XXXX the would agree to accept a deed-in-lieu of foreclosure but expedited the foreclosure process early in XXXX. Now at a court date on XX/XX/XXXX the foreclosure sale date was set for XX/XX/XXXX. The problem is they never actually tried to modify my loan. I know this because they never asked for bank statements. They explained that I was denied because my income was short by {$150.00} per month. They also explained that my payment would have increased by {$150.00} per month based on their modification process. Basically, their process resulted in a larger payment than the one I could not afford in the first place and that increase resulted in me being denied a modification. Where is the relief? The modification process was a farce. So was the short sale agreement since they introduced new terms after I found a buyer. 
I am now applying for a deed -in-lieu of foreclosure but they have lost parts of my application and tell me I will have to start from scratch if they don't have a complete package by XXXX, XXXX. 
They are now working in good faith and have frustrated me at every turn and only seem interested in seeing the foreclosure process through despite my many attempts to resolve as painlessly as possible.
Consumer complaint received 2021-07-20
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: Experian Information Solutions Inc. (TX)

On XX/XX/2021 I mailed Experian a certified letter stating that the derogatory marks on my credit report were incorrect and needed to be removed. My personal information was involved in multiple data breaches and I feel like my requests as the consumer are being ignored. This is the only company that kept these deragatory marks on the file as XXXX  and XXXX  have complied.
Consumer complaint received 2021-07-20
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: AES/PHEAA (NJ)

I have filed a dispute in regards to the incorrect on my credit and it has been well over 30 days and I have not received any investigation results at this time.
Consumer complaint received 2021-07-20
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: Santander Consumer USA Holdings Inc. (NJ)

I have filed a dispute in regards to the incorrect on my credit and it has been well over 30 days and I have not received any investigation results at this time.
Consumer complaint received 2017-12-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (CO)

I refinanced my mortgage XX/XX/XXXX due to XXXX not completing my refinance in XXXX yet I have been paying Chase since XXXX XXXX XXXX XXXX called and said that they need to be the originator again to fix the previous refinance. As of today XX/XX/XXXX Chase has not closed my account with my home loan and is calling to collect payments. XX/XX/XXXX I am supposed to be paying XXXX XXXX based in XXXX. 
How can there be two loans on the same property? 
I need them to close my loan so that it does not go into foreclosure and affect my credit. 
Somewhere between Chase and XXXX they lost communication.
Consumer complaint received 2019-10-29
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)

Theses account where open all around the same time i have file many disputes but nothing has changed i have a big problem with identity theft which the company is aware of I have attached proof that other credit company have removed the accounts XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX | XXXX Balance {$23000.00} XXXX XXXX XXXX, XXXX {$36000.00} XXXX  XXXX XXXX, XXXX {$36000.00} XXXX XXXX XXXX, XXXX {$33000.00} XXXX   XXXX XXXX, XXXX | XXXX XXXX
Consumer complaint received 2017-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (TX)

This complaint relates to the completely unsatisfactory handling of complaint # XXXX by Citi Bank. Please refer to this this complaint and the documents I attached to it.
1. They sent me a letter requesting further info. However, due to the fact that I travel for work it may take up to three weeks for me to respond to anything sent to me by 'snail mail '.
2. Regarding the further info they requested : a. I DO NOT know the precise date of the incident. I believe that it was sometime between mid XX/XX/XXXXto the beginning of XX/XX/XXXX.
b. I DO NOT believe the person taking my application actually submitted it. He just said I was declined and did not even offer a reference number. This is probably why the company has no record of it. I did not even think of asking him for a reference number at the time.
c. I DID provide my social security number to the Citi Bank representative I spoke to regarding the complaint ( XXXX XXXX ). But as I said. I DO NOT believe the representative taking my application actually submitted it. Due to this, my social security number will be of little benefit in locating the application.
3. Everything in the original complaint still stands. This includes my proposed resolution. I thought that Citi Bank would be a little more responsive in settling this matter without me seeking legal counsel.
The best way to reach me due to the limited access I have to my ground mail is via email. XXXX If it is necessary to call me please leave a DETAILED message regarding the info requested. This will prevent us having to play phone tag. I can then leave a detailed response via voicemail if no one answers.
Thanks XXXX XXXX
Consumer complaint received 2020-09-07
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2018-09-20
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: Experian Information Solutions Inc. (CA)

I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I have a collection of {$1700.00}. 

On XX/XX/2018, I wrote XXXX XXXX XXXX requesting documentation and record dispute while they have the opportunity to respond. I also wrote XXXX XXXX XXXX a second final goodwill attempt request for verification documentation on XX/XX/2018. XXXX XXXX XXXX has not replied with any documentation as requested for 1st request or 2nd last goodwill attempt request. I challenge the accuracy, compliance and reportability of this listing. 

They did not respond with any evidence requested verifying any documentation associated with this account, bearing my signature. They continue to report it to the Credit Bureaus and it is not my account. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file and all credit bureaus you maintain under my Social Security number. 

Please note that XXXX XXXX XXXX had 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and an additional 30 days from my 2nd goodwill attempt. I have kept record of their actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 

They have failed to comply with the law and as such Failure to respond satisfactorily within 30 days of receipt of the letters sent may result in a small claims action against XXXX XXXX XXXX, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act
Consumer complaint received 2016-08-22
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Hayt Hayt & Landau, P.L. (FL) (FL)

Hayt Hayt & Landau sued me a few years ago for a past due debt. Totally legitimate. I owed it. They seized my bank account and received their money. The debt was settled. 2 years later they say I owe them money still. I did not receive any communication stating there was a balance due. They tried to serve papers on us XX/XX/XXXX. I called their office ( I am sure I the call was recorded ) and requested proof of the debt and an accounting of the funds received to date. I received NOTHING. Friday afternoon XX/XX/2016 I was served at the office for a garnishment for the balance due. I am the XXXX and XXXX XXXX, I must submit the paperwork for processing, but it is n't fair. They wo n't even answer emails regarding the debt! Or call me to discuss it. I had no idea they felt there was a balance due and now there is a garnishment with extra fees that I should have to pay because I would have resolved the issue sooner before there were extra charges if they had just sent a letter or called me! 
THIS IS A SCAM and someone should stop them from their illegal practices.
Consumer complaint received 2023-01-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

I purchased a new home, closed XX/XX/2022 with XXXX Mortgage. It was known to them that I would be doing a recast on my VA loan after we sold our existing home. This was allowed by XXXX, prior to XX/XX/2022 they sold/ transferred my mortgage processing to XXXX Mortgage. I contacted XXXX mortgage around mid XXXX to start the recast process on my mortgage. I was instructed by their operator that they would note it on the account & I was to send in the funds that I wanted to use for the recast of my mortgage. I wired them {$150000.00}. I was told upon receipt of that, it would start the process, they would send the recast documents & I would sign and return them. I waited roughly XXXX weeks, no documents. I called them on XX/XX/XXXX, spoke with XXXX from their escalation team, they had misappropriated my funds as a principal payment. She tried to have it reversed & for them to do the recast on my mortgage. Once again I was told to wait while she worked on it. I waited another week to 10 days, called them back again & spoke with XXXX, she informed me that they rejected my request for a recast. I have tried once again to request them to correct this, I did NOT ask for them to be my mortgage processor, I most certainly would NOT have agreed to change processors knowing that they would NOT honor my previous mortgage lenders policies that would allow me to recast my mortgage. I would like to either have them be required to allow my loan recast to take place XXXX have my mortgage services moved to a company that will allow me to recast my mortgage as originally planned once we sold our previous home. Your help would be greatly appreciated. thank you! XXXX XXXX
Consumer complaint received 2020-10-12
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: CITIBANK, N.A. (MA)

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. 

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX CFPB In XXXX of XXXX, I logged in to XXXX to request a credit report. I filled out the name, address, date of birth and social security number and then clicked on the Equifax icon to be sent to its website. To access the report, I had to provide personal information and answer questions based on the information in my credit report. ( See attachments A & B as downloaded from their website ). After clicking on continue, the message returned that Online delivery unavailable. I had been getting online delivery from XXXX but since then this same message would appear. In XXXX, I sent a letter to XXXX XXXX XXXX to request assistance. No response and no help. 
I called Equifax a number of times immediately to inquire the cause of the unavailability of the online request. They would offer the report but no assistance on why it is not available online. They sent the report ( See attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ) You will note that no answer in the up front questions is contrary to the credit report. On XXXX XXXX, XXXX, I requested via the letter to Equifax Dispute Resolution department as suggested by the customer support group ( see attachment P ). There was no response but I found out in a call to XXXX XXXX XXXX XXXX on XXXX that a copy of the letter is in my file on their computer. 
Each time I call them, they offer me another copy of the credit report but refuse to connect me with someone that can fix the problem of online access. 
Attached is also a copy of a letter I sent in XXXX with no response from any one ( See attachment Q ). 
Thank you for any assistance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX - XXXX & XXXX -- -- They are reporting 2 erroneous account on my credit. They are not mine nor do I owe any insurance company. I have disputed this many time for proof of a signed document which they have yet to provide. These are from 2015? the statute is lapsed also and these are not valid!
Consumer complaint received 2018-09-20
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: HYUNDAI CAPITAL AMERICA (NY)

On XXXX XXXX/XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX - XXXX as contact number on report ) requested my credit report. 

On XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX, XXXX ) requested my credit report again without any authorization or explanation.
Consumer complaint received 2023-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX - XXXX & XXXX -- -- They are reporting 2 erroneous account on my credit. They are not mine nor do I owe any insurance company. I have disputed this many time for proof of a signed document which they have yet to provide. These are from 2015? the statute is lapsed also and these are not valid!
Consumer complaint received 2017-08-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dynamic Recovery Solutions, LLC (CA)

i was called about a {$60.00} credit card dept and was told i need to pay {$1000.00} i told them i dont owe your company anything my dept is with XXXX XXXX XXXX she then gave me addtiuted and would not let me talk and was hurassing me to pay the debt now or futher action would be required and she kept asking for my personal information i told her no she got even more threatning with additude
Consumer complaint received 2022-09-14
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. (CA)

I have on my credit profile many hard inquiries i never make because i just reicive my social security on the XXXX XXXX And never had another number Or anything