davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

I have sent out letters since XX/XX/2017 for Equifax to provide proof of the documentation that have received by the negative reporting companies on my credit. Each investigation that I initiate ends up with the same generic response we verified that this account belongs to you. I have sent letters to each of these companies and I have n't received validation. So I do n't understand how they obtained validation at all. Or why it has been impossible for them to provide me with the proof if they have it in their possession. I have also requested that certain inquiries are removed off my credit that I did not authorize. But I receive the generic response of inquiries are factual record of file access. I do n't see the point of having an extended fraud alert if information can easily attach itself to my credit report. They do n't take time to actually verify these accounts ; they just send out generic responses. For example I mail out all my letters through a company that provides tracking of when the letters is mailed out and when it is received by the company. I sent a dispute out on XX/XX/2017 and it was received by Equifax on XX/XX/2017. I get a response to my dispute on XX/XX/2017. I have proof of everything if you need copies. I did upload proof of the timing of the report for one of my disputes just to show you an example. Thanks so much in advance.
Consumer complaint received 2017-07-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

1st Bank :   XXXX   XXXX   XXXX   they proposed me monthly 3 time trial period payment of {$1700.00}. I was very excited for this and was ready to pay my monthly mortgage to keep my home. After I made those trial payments   XXXX   XXXX   XXXX   transferred my loan to a company called  XXXX .
2nd Bank :  XXXX  started a foreclosure process on my home right away. I was very surprised they did that as I was under a loan modification and have already paid the trial period payments in total of {$5100.00} for the three months time to the previous bank,   XXXX   XXXX   XXXX   I then contacted them asking why they said you are past due for a long time and we will sell your home. They told me I could apply for loan modification and maybe I can be reviewed. After a couple of months sending them all requested documents I have finally approved for a loan modification. They offered me another 3 month trial period payment in the amount of {$2400.00}. I was very shocked to see that the amount went up from the previous offer I received from   XXXX   XXXX   XXXX  . I was very unhappy to the increase in the payment but I had no other option because   XXXX   said if I did not pay and agree to this amount they will foreclosure on my home. So I paid the 3 months trial period payments in total amount of {$7400.00}. And once again after paying I got transferred to another servicer Fay Servicing, who is doing the exactly the same thing.
3rd Bank ; Fay Servicing is my current company now. Same story as with the other banks. I have to redo the loan modification process all over again. I have submitted all documents to them but they still have me under foreclosure which is set for  XXXX / XXXX /2017,  XXXX   XXXX , 2017. I just do not want to be on the streets with my family. Ive paid out of pocket 2 times already to   XXXX   XXXX   XXXX   and  XXXX  in total of {$12000.00}. I dont want to pay out of pocket again just to be scammed for my money that does not go towards anything.
I have given Fay Servicing all required documentation and they have agreed that they have a complete RMA packet they have sent my RMA packet to underwriters for review but the sale is still scheduled for  XXXX   XXXX , 2017. Fay Servicing will be in violation of the Homeowners Bill of Rights Act if they proceed with the sale.
Consumer complaint received 2022-01-05
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of Identity Theft and did not make the charge. I asked that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (WI)

I contacted Experian on XX/XX/XXXX via and requested that the inquire from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX, along with XXXX XXXX dated XX/XX/XXXX be removed from my credit report. I was informed by Experian that I needed to contact the companies directly. 

I informed them that these inquires took place when the freeze was removed from my account, and it was no need for me to apply for XXXX bank card, I already have one with a XXXX limited and was not looking to refinance my home, my current interest rate with XXXX XXXX is 3 % and I did not authorize either company to pull my credit report for any reason. But, I was still told to contact the companies. Due to the pandemic I had no luck with connecting with anyone from the mortgage company that could help me during this time. With XXXX card, I spoke with someone and the lady said she would send the information the fraud/investigation department, because I only became aware of the inquire in XXXX due to the denial letter I received in the mail, I never received anything regarding the XXXX inquire. I received a letter from them stating the inquire would be removed and they would contact Experian, but it was only for the XXXX inquire, but I did not apply for a card in XXXX, both inquires should be removed. Please review letter that they are willing to remove the XXXX inquire.
Consumer complaint received 2017-07-17
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. (KY)

Unauthorized inquires are on my report from   XXXX   XXXX   XXXX   XXXX   for the dates of  XX/XX/XXXX  and  XX/XX/XXXX . I have reported this to   XXXX   XXXX   directly numerous times by phone and mail. I have also disputed the items with all   XXXX   credit bureaus. These items were not authorized by me and should NOT be reported.
Consumer complaint received 2017-07-17
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. (ME)

I noticed a few weeks ago that I had a collection account from   XXXX   XXXX   on my credit report. I did an online chat to try to see where this stemmed from. The rep could not find any balances I owed, I called in and spoke with another rep who had the same findings. A few days later a woman contacted me saying they found that I never returned equipment and had an outstanding bill. I did return the equipment and closed down the account back in  XXXX  of  2014 . I disputed the information and they agreed to remove it. They removed it from   XXXX   and  XXXX  but not equifax. So I called back in and discovered its because they never notified the collection agency and now they are refusing to contact the collection agency and are stating the debt is valid. Doing research online and they have a history of doing this to consumers.They have not provided proof that this account and balance is valid.
Consumer complaint received 2015-09-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Coradius International LLC (CA)

Suddenly I received a letter for debt collection from XXXX. I have no clue where and what type this debt came from. I do not have a XXXX account. Nor have I ever made any transaction via XXXX.
Consumer complaint received 2017-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: GREAT LAKES (OH)

I am an XXXX in Ohio for the past eleven years. I applied for the XXXX Loan Forgiveness program to my loan company, Great Lakes Higher Education Corp. for the first time in XX/XX/XXXX, and have been denied five times, the last time because they said that I have not " obtained full state XXXX as a XXXX or passed the XXXX. '' That is incorrect. XXXX ( XXXX ) are the designated XXXX are XXXX, and XXXX design the XXXX. Ohio gives XXXX a different XXXX than other XXXX. But many XXXXs have received XXXX Loan Forgiveness as XXXX, so perhaps their state 's give a better-sounding name to the XXXX or perhaps the same XXXX as a typical XXXX. But whatever a state 's standard may be, it is completely arbitrary and should in no way restrict an eligible and worthy XXXX to these much earned and needed benefits. For the loan companies to have the authority to deny a loan forgiveness eligibility for a loan that they own in the first place is questionable and should be illegal. My desired resolution would be for Great Lakes to send my application on to the federal Department of Education for approval for the XXXX Loan Forgiveness in the amount of {$17000.00}.
Consumer complaint received 2016-11-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MNS & Associates LLC (GA)

Both my elderly parents and I received the following voicemails from M & S XXXX using blatent scare tactics to obtain personal/private information about me. 
" Hello this message is intended for XXXX. I 'm calling today in regards to asset verification to confirm your address and place of employment. I was forwarded some documentation it does verify your name and security number in regards to this process for enforceable review. Please be advised we are requesting for you to sign for and respond to a required demand notice. Before I go ahead and begin the scheduling of your document I wanted to inform you that your processes me an expedited and should commence within the next 24 to 48 hours. At this point in time, with any questions regarding this matter you may contact an advisor directly at XXXX your number with them is XXXX. To be clear, failure to contact them may result in further determinations being made pursuant to state and federal guidelines. You have been officially notified. '' I contacted them to request that they cease and desist with the calls as they were upsetting my parents and when I would not give my personal information, the agent, XXXX XXXX, became very rude and when I asked what it was regarding he said a loan that was defaulted on with XXXX XXXX from 2001. I did not have a loan with XXXX XXXX and even if I had, the statute of limitations in the state of Georgia is 6 yrs so this would be outside of the statute of limitations. I asked him to please send what he is claiming to me in writing so that I can properly refute it and he said " what you will be getting is a demand notice for the full amount which you must pay within 30 days, so good luck with that. '' And he hung up on me.
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IN)

There are   XXXX   very old  XXXX  accounts that are not supposed to be reporting on my credit. The   XXXX    XXXX  card account has an account number of "  XXXX ****** '' with an open date of  XX/XX/XXXX . The   XXXX     XXXX  card account has an account number of "  XXXX  '' with an open date o f   XX/XX/XXXX . Years ago, I ran into serious financial hardship and was not able to pay these accounts at the time. I communicated my situation to my creditors and  XXXX  was one of the companies who stated they would request a deletion to the bureaus of the  XXXX  charged off credit cards after I paid. It has been almost six years since I paid these accounts so I do n't understand why the credit bureau is only saying that   XXXX   is verifying the accounts. That is not even my dispute. I know these were previously my accounts. The credit bureau is not processing my dispute properly and this is one of the reasons this process has been delayed for so long. Just to be sure I 'm not being given the runaround, I called  XXXX  a couple of weeks ago and they told me they do n't even have the account in their records anymore! This is a problem because this credit bureau is refusing to honor my creditor 's deletion request.
Consumer complaint received 2017-04-07
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (CO)

While on an XXXX XXXX flight, they offered an XXXX XXXX Citi Bank credit card. The offer could be applied for on the plane, or done through their website. I applied online, and so did my husband. The offer was for XXXX bonus miles if you spent {$1000.00} within the first three months of account opening. We were issued the XXXX XXXX cards. We both spent well over that amount within the first three months. The credit card company confirms this was done. I was scheduling my next flight, and noticed that neither one of us had our bonus miles on our account. We had miles for the dollar amount of purchases, but not the XXXX bonus miles. I spoke with a manager in the retention department that was baffled as to why we did n't receive the bonus miles. I was asked to send in the original offer that I applied for, which, by the way, is always a running offer on their website. It has n't changed since I applied. I did so, and have yet to get a response. They are unwilling to credit me the bonus miles that they offered me when I applied. Both my husband and I have done everything that was required to receive the bonus miles, but they will not give them to us. They keep telling me that they ca n't be sure that 's the offer I signed up for. Why would they have sent me an XXXX XXXX credit card, and give me miles for every dollar I have spent if I did n't sign up for this offer? That does n't make sense.
Consumer complaint received 2017-05-18
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. (TX)

XXXX   XXXX   XXXX  and I agreed on a loan modification for my loan and agreed on a payment of {$100.00} per month. We did a trial run of paying {$45.00} a month for a while but, in  XXXX   XXXX  we agreed on {$100.00} per month. Ever since that time, I have been paying {$100.00} a month to  XXXX   XXXX   XXXX , please see the attached payment history with shows every payment that I have made on this account since  XXXX   XXXX ,  XXXX . Unfortunately,  XXXX   XXXX   XXXX  is not reporting the payments that I have been making on this account. The payment history which they are reporting on my credit report stops on  XXXX   XXXX . They are also reporting that my account is past due and that the status of my account is Charged off. " Accountcharged off.Balloonpayment of $  XXXX   XXXX  {$26000.00} writtenoff. '' THIS IS WRONG!!!! We had a deal and I living up to my end of it but,  XXXX   XXXX   XXXX  is reporting that my account is charged off and past due ruining my credit history and my scores. The are doing this out of spite! I tried calling them so many times but, no one helps! I have been paying my account on time in accordance with the loan modification agreement. Please have the creditor update the credit reports to show my on time payment history and that the account is currently in good standing and paid as agreed. Please see attached payment history for account. They even wrote that the account is " transferred to recovery ''. THATS A LIE! The account is still with them, they receive my payments every single month.
Consumer complaint received 2017-05-14
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: CITIBANK, N.A. (NH)

CitiMortgage has committed egregious violation in servicing our former account. CitiMortgage ref uses to take responsibility for  3 f ailed attempts at modification. It is THEIR failure, we cooperated and met our obligations under agreements fully.      CitiMortgage  refuses to report this modification period as required in regulation to all major credit bureaus/ reporting agen cies. CitiMortgage offe rs a lawyered and morally deficient explanation for not responding.  CitiMortgage re fuses to respond any further than attached documents reflect . CitiMortgage  has done great harm to former clients. Clients have continually corresponded t o CitiMortgage f or redress. These practices must cease.
Consumer complaint received 2017-05-12
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. (MI)

Hello I just made a large payment of {$260.00} to my  XXXX  ca rd two days ago online. The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA section 623.
Consumer complaint received 2017-05-12
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: EQUIFAX, INC. (OR)

I went to my local  XXXX  dealership with a pre approved auto loan from  XXXX   XXXX  auto navigator. I even brought the printed out paperwork. The salesman told me they needed to run my credit again to see if they could get me a better interest rate. He did not tell me that there would be  XXXX  companies accessing my credit report. Now my credit score has dropped  XXXX  points in less tha n 24 ho urs. Turns out that  XXXX   XXXX  was the lowest rate I could get. They ran my credit with  XXXX  other companies for nothing.      XXXX   XXXX ,  2017  {$30000.00} Quite frankly this is the type of   XXXX   that consumers do n't want to deal with. It 's hard enough to build your credit, and all it takes is some salesman with a sales pitch to a first time borrower to ruin your credit in a matter of minutes.
Consumer complaint received 2017-04-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (GA)

NAVIENT is using unfair collection practices and harassing phone calls to collect a debt that has been asked to be helped with because of lack of work. They call on three phone lines sometimes 15 times a day they call from XXXX unitl after XXXX some times. The only paper response I can get out of them is a form letter that does not address my current situation.
Consumer complaint received 2022-12-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (GA)

This account shows up on my credit report. I have not received a call, email or letter from them. Ive written them asking for validation over 30 days ago and I have not received a response and they have not removed themselves. It is currently in dispute with my credit company as well
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2016-04-11
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ZWICKER & ASSOCIATES (GA)

A debt collection consolidation company I contracted with back in XXXX last year must have asked for proof of debt from XXXX XXXX 's debt collection agency, Zwicker & Associates, on or around XXXX/XXXX/XXXX. The company I contracted with, XXXX, XXXX, never told me they were requesting this information so I was surprised when the XXXX & XXXX lb. package arrived at my door opened, contents spilling out. I believe Zwicker & Associates deliberately sent the information to my home instead of XXXX to deliberately cause me financial harm and compromise my personal information. I have know way of knowing how many eyes had access to my credit history going back to XXXX. I will upload pictures of the packaging as received at my home.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I am filing this complaint because Experian has ignored my request to provide me with the documentation that their company has on file that was used to verify my accounts that I have disputed. Being that they have gone past the 30 day mark and can not verify the accounts in question, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you for your attention to this matter.