davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

MY HOME INSURANE DOUBLE EVERY YEAR, MAKING IT IMPOSIBLE FOR ME TO PAY MY MONTHLY MORTGAGE PAYMENT, IT IS SIX/SEVEN TIMES HIGHER THAN THE MORTGAGE PAYMENTS. IT IS ADVERTISE THAT THE MORTGAGE RATE IS SO LOW EVEN 1.5 %, 1.75 %, I AM PAYING 2 %. AUTHORITY NEEDS TO CONTROL THE HOME INSURANCE DEPATMENT AND STOP ADVERTISING THOSE LOW MORTGAGE INTEREST RATES, INDUCING PEOPLE TO BUY THEIR HOUSES WITHOUT TELLING THEM HOW HIGH HOME INSURANCE ARE. IT IS NOT FAIR MAKING PEOPLE TO GET INVOLVED IN BUYING A HOUSE KNOWING THAT THEY WON'T BE ABLE TO BECOME HOME OWNER TO GET THEIR AMERICAN DREAM, LIKE MYSELF, I HAVE BEEN PAYING MY MORTGAGE FOR 34 YEARS. AS A SINGLE MOTHER I HAVE WORKED VERY, VERY HARD TO RAISE MY CHILDREN WITHOUT ANY HELP FROM NOWHERE, NOW I AM A SENIOR CITIZEN SCARE OF LOSING MY HOME, IT IS NO FAIR. JUST THE IDEA OF BECOMING HOMELESS OR LIVING IN A SENIOR CITIZEN PLACE TERRIFIES ME. PLEASE HELP ME TO KEEP MY HOME, HELP ME BUYING MY HOME INSURANCE WHICH EXPIRES XX/XX/XXXX, XXXXOR MAYBE YOU HAVE A PROGRAM OR RESOURCES TO HELP ME TO PAY OFF MY MORTGAGE SO I CAN REACH MY AMERICAN DREAM. 
THANK YOU VERY MUCH
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is incorrect on my credit reports I also asked that a personal note be put on all 3 creit reporting agencies stateing that in the past 2 years I have been undergoing XXXX Treatments. I am now XXXX free and back to work
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-08
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)

On XX/XX/2020 I paid XXXX XXXX XXXX a collections company {$170.00} for an account that had been sold to them by XXXX. I called XXXX to inform them that I had paid off the debt with XXXX XXXX XXXX, they informed me that I could call XXXX XXXX XXXX to have them contact XXXX about the {$170.00} having been paid in full. XXXX   advised me that is not something they do, but that they could send me a letter saying it was paid. I received the letter and called XXXX, who advised me that there was nothing they could do and to contact XXXX. So at this point Im being given the run around after trying to update my account with XXXX, which had been sent to collections and bought by XXXX, in which I paid in full the balance owed. And to date my information still has not been updated with the credit bureaus.
Consumer complaint received 2020-07-08
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE SOLUTIONS OF COLORADO (TX)

On XX/XX/2020, mortgage solutions of Colorado denied my request for mortgage. The stated reason was for DTI die to debts from a non-borrowimg spouse. These debts were accrued prior to the marriage and under Texas Family Code Chapter 3 Sections 3.201 and 3.202 I the borrower am not liable for the debt. I believe it is improper and illegal under Texas state law for the lender to attempt to deny the loan under these conditions. I am demanding the loan be cleared immediately and funds issued a o the title company.
Consumer complaint received 2018-03-15
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. (CA)

my last student loan was in XXXX. Those with XXXX XXXX were privately funded and should be removed as having expired. The balance on all loans should be XXXX, as all loans were discharged in XXXX of XXXX.
Consumer complaint received 2017-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MO)

I just called Navient today, XXXX/XXXX/17 to see if there was a way to lower my monthly payment as I am in XXXX. I was told the pay as you earn could lower my payment and still qualifies for Public Service Loan Forgiveness, repeatedly. I did some research online and called back to make the change to the new payment plan. A different operator said I was given bad information that my loans do not qualify for the payment plan and in fact most of my loans do n't qualify for public service loan forgiveness. In tears I hung up with the operator. I have been paying on my loans for about 4 years and have never been told my loans do n't qualify for PSLF. In fact, I have asked and been told they do. I have had numerous conversations with Navient about PSLF regarding loan qualification, qualifying non profits, breaks in payment, details on filling out the PSLF form, etc and they have never told me my loans do not qualify for PSLF until today. For my loans to qualify now I would have to consolidate them but it will start my 120 payments over from the beginning. Nobody ever told me this and I asked about it repeatedly over the years. I am waiting on a report from the third person I spoke with today, but I have paid well over {$9000.00} and they now tell me very little of it will count towards Public service loan forgiveness. I am not even sure what type of loans I have now but only XXXX small ones are direct federal loans.
Consumer complaint received 2023-02-06
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: EQUIFAX, INC. (CA)

XXXX XXXX made me an offer for a credit card, by asking me what I wanted. And they provided me with a credit card that did not provide anything that gives me the benefit that I told them that I wanted. I believe that this was an invasion of my privacy and was a deliberate attempt to breach my privacy and deny me access to proper credit for travel. What I received was a teaser card that doesn't offer anything I was lured in with. The company is dishonest with bate and switch tactics that do little to nothing to harm the consumer. They give credit lines against my credit that are prohibitively disabling from helping to achieve my goals based on the offer made to Airline milage rewards. I was mislead into a card that fails to help me meet my goals. They accessed my trust and have been paid, yet they deny me my fair due of credit by assigning me to a card that is woefully insufficient and a violation of the Fair credit act as XXXX XXXX deliberately invaded my privacy with intention to defraud me by baiting me with a travel card but then switched to something I least wanted. I would not have answered if the had been forthright and honest as they are supposed account to GAAP ( Generally. Accepted Accounting Principles ) rules. 
On the XXXX of XX/XX/2023 and they gave a different card that didn't match the promise offered. Instead it's supposedly offers cash back that never comes.
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ZIONS BANCORPORATION (NV)

I have contacted the credit card company and the merchant over 10 times going back to XXXX of 2021 trying to resolve the issue. I explained that while dining out there was to be a split check between 2 different parties but the merchant charged my card 2 times in error. I explained that I only authorized ONE payment and should not have been charged for a second bill that was not my responsibility. The credit card company said they received notice from the merchant that the charge was not duplicate and that there were 2 separate bills so there was nothing they could do. I said yes there were 2 bills but only one of them was mine, so why would they charge my card twice for the same split amount? I said this is clearly an error and the merchant is responsible not me. I tried contacting the merchant weekly and every time was told a manager will get back to me or accounting has to research but it's been months and I never get a response or refund. The credit card company has refused to reverse the duplicate card even though several reps claim that they do see how it is the merchant 's error because the amount is the same on the same date. I asked for backup from the merchant to see the signed credit card receipts so they can confirm there are 2 separate signatures as I only signed ONE receipt to authorize the charge, not 2. The credit card company said their hands are tied and I have to work it out with the merchant but they are a huge corporation and never contact me back. I have never been provided with any proof of authorization for both charges from the merchant to validate the charges because I did not sign for both charges. The credit company has also not provided me any good contact information as to who I should speak to at the merchants dispute resolution location to resolve this so I do not see how the credit card company validated the second charge. This is clearly a mistake that the merchant 's staff made and I should not have to pay for that mistake unfairly.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

Citibank closed my business bank account without notice or reason : Call made XX/XX/2022 at XXXX 1. My funds were sent to incorrect address eventhough branch manager corrected address in my presence. 

2. new check was never sent and when I called citibank refused to provide tracking number. 

3. Agents did not want to even discuss my account and when I asked for supervisor agent pretended the line had gone dead but I could her her breathing. At this point agent transferred me to a supervisor. 

4. spoke to supervisor XXXX XXXX ID XXXX on XX/XX/2022 at XXXX. She stated that they AGAIN sent check to wrong address. She also stated she did not have a tracking number and it could be months to get check. 

Resolution requested : 1. I want my funds of {$16000.00} refunded 2. I want my funds sent overnight 3. I want an additional {$12000.00} for damages caused for funds not been returned and payments missed by my business in addition to damage caused on my credit reports caused directly by check not being sent correctly. I am happy to outline caused damages. 

Here are the numbers you can reach me at : XXXX. Office : XXXX XXXX. XXXX XXXX XXXX. Additional Office XXXX XXXX. Additional Office - XXXX Ext XXXX XXXX. Additional Number XXXX Ext XXXX XXXX. Additional Number - XXXX
Consumer complaint received 2021-04-28
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: Early Warning Services, LLC (MA)

Early warning Systems continues to delay correcting the information that was created as a result of a fraud perpetuated on me, as well as Identity Theft that was from stolen information as a result of malware ... trying to " unlock '' my XXXX XXXX XXXX XXXX account which is being prevented bt Early warning Systems faulty reporting and inordinate delays, etc.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

According to the Fair Credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2. It also stated consumer reporting agency can not furnish an account without my instructions under 15 USC. 1666B A Creditor may not treat a payment on a credit card account under an open and consumer credit as late for any purpose. This is in regards to late payments on my credit.
Consumer complaint received 2021-08-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (FL)

IQ Data has been reporting incorrect information on my credit to all 3 credit bureaus since XX/XX/2020. The balance, date and last activity date is also being reported incorrectly on all three ; XXXX, XXXX  and XXXX. This file needs to be deleted from my credit report.
Consumer complaint received 2022-01-17
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: EQUIFAX, INC. (NJ)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2020-04-03
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. (FL)

Recently I suspected that my identity has been stolen due to the amount of calls and emails I receive about accounts and collects that do NOT belong to me. I also am aware that my information was exposed I about 5 different data breaches. The 2014 XXXX data breach, XXXX data breaches, and XXXX  Data Breach. The breaches put my information at risk and resulted in fraudulent accounts being opened in my name.
Consumer complaint received 2022-01-17
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. (PA)

O WHOM IT MAY CONCERN : Hello m name is XXXX XXXX and iI am writing to delete the following information in m file. The items I need deleted are listed in the report. 
I am a victim of identit theft and did not make the charge. I ask that the items be deleted to correct m credit report. I reported the theft of m identit to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identit Theft Affidavit. Please delete the items as soon as possible Baed, 15 U.S. Cde 1681c2 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 
I ha bee 30 da ad ae VIOLATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION (TX)

This account is showing as a charge off real estate loan on my credit report. This should not be report as such as I never had any reason to get a real estate loan as I lived Im apartment. This account has been charge off and sold negatively affecting credit and preventing me from moving forward.
Consumer complaint received 2022-01-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (TN)

I bought a XXXX pre-owned XXXX XXXX from this dealership on XX/XX/XXXX. I traded in a XXXX XXXX XXXX XXXX XXXX with equity against the purchase. This was deal : XXXX. I took out a loan from GM Financial for {$18000.00} ( account # : XXXX ) to pay for the XXXX. I took it home and left the XXXX with the dealership. On XX/XX/XXXX we found out that XXXX XXXX XXXX was not going to accept the payoff from XXXX and give them the title to the XXXX. I notified my sales consultant, XXXX XXXX and his XXXX XXXX XXXX. They supposedly had gotten the ok from XXXX XXXX to do this deal, but either they never checked or were given incorrect information. So, I worked it out with XXXX to return the XXXX which I did on XX/XX/XXXX to the dealership and I took back possession of the XXXX. Sales XXXX, XXXX was present for the exchange of cars. XXXX and XXXX both told me that's all we had to do, the deal would be unwound, and, most importantly, XXXX would give GM Financial back their money, and my loan would be canceled. Today is XX/XX/XXXX and the loan is still in full effect, and the first {$310.00} payment is due on XX/XX/XXXX. I have had numerous calls and texts with XXXX who claims this will be fixed, and I won't have to pay on the loan of a car I don't have. But after 3 weeks of time and promises, and I still have the loan and the looming payment. GM Financial says they have no information from the dealership that this loan is to be canceled. I'm unable to get any further with the dealership, so that's why I'm making this complaint. There's no reason I can see or that they can explain to me as to why I can't be relieved of this loan. I just keep getting unfulfilled promises that it will be fixed, and now I'm just being ignored or given incorrect information.
Consumer complaint received 2022-01-07
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. (PA)

I opened an account with XXXX XXXX  XXXX in order to rent an instrument for my son. At the end of the contract, the instrument was returned, but my account was still charged for months afterward. Despite numerous calls made to the company, I kept receiving inaccurate bills ( which I did not pay ). Finally, a manager called me to let me know that the account was straightened out and my account would be credited for all of the extraneous charges. Unfortunately, my account was never credited and it was passed along to collections. I would like this account closed and derogatory information be removed from my credit report.
Consumer complaint received 2024-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MO)

Hello, I XXXX  from a combined XXXX XXXX  during which time I accumulated a large amount of loans ( currently at XXXX ). I achieved my dream of matching into a XXXX XXXX, and was in a qualifying XXXX for 7 years. During this time, I was mentally and physically challenged and experienced significant financial hardship. I also received 0 guidance from federal loans and was wrongfully steered into forbearance/deferment. Over the years I rarely received any information for them, except for a new letter that my servicer had changed ( this happened about 3-4 times during the course of the 7 years ). Every time I would get such a notification, I would be told that forbearance was my only option. Therefore, I was in forbearance from XXXX. I then went to a fellowship where I also experienced financial hardship and continued the forbearance from XXXX. That should be 8 years of payments that qualify for the IDR waiver. I communicated by concerns with Federal Loans and MOHELA, and was told that because I was in " rehabilitation forbearance '' I did not qualify for several of those time periods. I feel incredibly upset that I chose to give my time to the service of others and was completely and utterly exploited by the financial system for trying to get an education and help people. No one told me about the IDR plan, about PSLF, and certainly that forbearance in itself had different types. I could've tried to be on an IDR plan had I not been told multiple times, by multiple servicers, that forbearance was my only option. Please help make this situation right and hold these servicers accountable for counting all those times for forbearance, a forbearance that they forced and misled me into.