davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-19
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. (OH)

I am making a final goodwill attempt to clear up this matter. The accounts sent back verified are entirely inaccurate, incomplete, and represent a grave error in reporting. Also, this is my second time contacting about this matter in writing. No need for me to go into detail and tell you the law. Your company knows that you are required under the FCRA to have correctly verified the accuracy of an account listed on my credit report with physical documents. All in all, you have ignored my request to provide me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified.
Consumer complaint received 2022-09-28
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. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

I have been sending correspondence to Navient since the XXXX of XXXX. I requested that Navient validate the debt attached to the account number XXXX, which comprise of both federal and private student debt. The only correspondence back from Navient was of accusations of breaking the law. They even included in the letter an FBI website that had implications of fraud schemes. This letter was intended to intimidate, and threaten. On the bottom of the letter sent by Navient I noticed their NMLS # XXXX. Upon searching this number I discovered that Navient is not licensed in the State of Georgia. My residents and schools XXXX XXXX and XXXX XXXX ( to which the alleged debt is attached ) are in Georgia. Since Navient has no legal rights to conduct business in Georgia I demand that they cancel/ discharge the above accounts, correct any damages with all three credit collection businesses and cease all contact with me.
Consumer complaint received 2022-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

My mortgage with XXXX was transferred to RightPath in XX/XX/2022. 

As instructed by XXXX, I made my XX/XX/2022 and XX/XX/2022 payments to XXXX  on time and in full. I began paying RightPath XX/XX/2022 until the present - again paying on time and in full on the XXXX of every month. 

RightPath claims I owe them for 1 month 's payment- but I do not. I've contacted RightPath several times since the transfer. I've provided proof of payment for XXXX XXXX XXXX from my bank. I emailed proof on XX/XX/2022, XX/XX/2022 and XX/XX/2022 but to no avail. I've asked RightPath to reconcile my account and apply payments correctly and I've been getting the run around. 

I've attempted to contact XXXX to solicit help but they were acquired by RightPath and their site no longer allows me to contact them about my loan. 

My mortgage payments have not been applied correctly and I need your help to get RightPath to resolve this issue.
Consumer complaint received 2022-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act Convergent XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX FUNDING # XXXX, has violated my rights. 

XXXX XXXX # XXXX, has violated my rights. 


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
Consumer complaint received 2022-09-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (TX)

Hi, I received a credit alert about a Major Derogatory Account and the company is HUNTER WARFIELD. I see they are a debt collector. I haven't heard of this company, received any contact from them and I have no idea how this got on my credit report. I pay all my bills and on time. I'm not sure how they can do this legally but this on my credit report and has affected it negatively.
Consumer complaint received 2022-09-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I refinanced my house back in XX/XX/XXXX and escrow sent an overpayment of {$550.00} to SPS servicing at the close of escrow. 
After three weeks of waiting, I contacted Sps servicing to find out when I will be receiving my overpayment of interest and thats when the runaround started. 
First I was told I have to wait longer and after two months of still not receiving I contacted them again and I was told that check has been cashed, I notified them that I have never received the check and checked with my own bank and no check from you or that amounts or any amount has been received. 
Finally, I was mailed a canceled check with a signature that did not belong to me, or even have my signature name on it. After another couple of months of waiting and runaround in XX/XX/XXXX I was told I need to file a fraud report with their bank XXXX, which I did. and I was told it takes up to 120 days to get resolved. After 120 days passed and still not hearing from them, I contacted them again on XX/XX/XXXX and a customer service representative told me that he sees my fraud filing back in XXXX but it doesnt look like anything has been done with it and passed me on to the ombudsman department that asked me to give them another two weeks to get a response. 
Then I get a call last week that they can not get a response from their own bank or banks that they have sent the check to, therefore they wont pay me and they have closed the case.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATE
Consumer complaint received 2022-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. 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 consent.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 a. states i have the right to privacy.

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Continental Finance Company, LLC (MD)

in late of 2021 I open a account with XXXX XXXX XXXX and paid the {$99.00} annual cardholder fee. In XXXX I went to use the card and my account no longer existed. I called the number on the back of the card and they said they no longer had my account in their system. This is a fraudulent company. No financial purges account info in less than a year from their system. My receipt for the {$99.00} cardholder charge cant even be opened. I attached it
Consumer complaint received 2022-08-21
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. (FL)

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 a. states i have the right to privacy.

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Received email notifications stating an account was opened under my name with Bank of America on XX/XX/2022. I have never used Bank of America and never attempted to open an account with Bank of America. I have attempted to contact Bank of America about this but struggle to even get in contact with an actual representative. I am constantly being asked for the account number for the newly opened account, but since I was not the one to open the account I do not know the account number to have them shut it down.
Consumer complaint received 2022-09-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NV)

After the COVID forbearance, I participated in a loan modification with Lakeview Loan Servicing ( where I was told it would be non-interest bearing ). I signed all documents. FHA recorded a lien for {$26000.00} BUT the mortgage company also added the same amount to my principal balance. Creating a situation where I owed over {$52000.00} when it should have been approximately {$26000.00}. I contact the bank XX/XX/XXXX, they said they would fix it, XX/XX/XXXX they said was being reviewed, XX/XX/XXXX they said the review was closed, XX/XX/XXXX they said they would submit a reconveyance request to FHA, XX/XX/XXXX they said that they never sent it to FHA and that it was being reviewed. This is a circle of nonsense at a time when I'm trying to sell my house. FURTHER, I tried to make a payment in XXXX and they said they would only accept both ( 2 ) of my delinquent payments. I asked again on XX/XX/XXXX and they said they would only take 2 payments, no less- and next month it would be 3. My mortgage documents state that they can apply any partial payments any way they wish but they still have to take them. I am accruing late payments and interest because they won't take my money.
Consumer complaint received 2022-09-19
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: TD BANK US HOLDING COMPANY (CA)

TD AUTO FINANCE obtain a copy of my XXXX credit report on XX/XX/22 without my consent or permission. I have no relationship with td auto finance nor have I applied for any credit products from td auto finance.
Consumer complaint received 2022-09-19
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: Experian Information Solutions Inc. (VA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-19
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (VA)

XX/XX/2022, I made an attempt to pay down debt after XXXX using some of the equity from my property in Arizona. After running my credit the rep indicated that I had a lot of student loan debt however if I paid my vehicle and several credit cards the loan could be approved. In doing so, Wells Fargo sent me all these requests for documents they knew I could NOT provide. I explained I am living in lodging and I could not provide utility receipts ; additionally, I received my mail at the XXXX  Store therefore I could not provide a lease. 
Wells Fargo continued to send the same requests several times over even after I provided an explanation- I believe there were unfair practices because they would not change anything when requesting documents such as my tax returns, they did want transcripts, I sent transcripts and they wanted another tax form 4505C I never heard of before. 
More importantly, they NEVER had any intentions to approve the loan they took my {$690.00} for a home appraisal and just made me jump through hoops for nothing. FINALLY, after all the frustration of going back and forth requesting the same documents, I quit and asked them for my appraisal monies- I had to file a dispute with my credit for the {$690.00}. I understand the need for substantiating documentation but for the most part, there are not too many hotels that will render utility bills, therefore this and any other reason they suggest is not a justification for denying me the loan. I have an excellent credit XXXX score and make an ample amount of income. I did not want to take the monies from my retirement fund however in an effort to pay down my debt may be the only option. I've NEVER been late on my mortgage- I have paid on time for the entire time of ownership. My monthly payment is {$800.00} and I have been making {$1200.00} payments to pay off the loan in less than 30 years granted. I am NOT an angry customer since I waited weeks before filing this complaint, I feel as though they did not provide the service they should have since the documents they were requesting were unobtainable from day one. Very Respectfully, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-19
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

We were advised by Bank of America, XXXX XXXX Resolution Specialist, Regulatory Complaints, that when he was provided a signed third party authorization from the borrower XXXX XXXX ( seXXXX attached ), we would be provided a payoff. We provided same yet Shellpoint, Bank of America, or its lawyers XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX Managing Member, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Attorneys at Law XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, Illinois XXXX provided a payoff letter all in violation of the FDCPA and federal statute.
Consumer complaint received 2022-09-19
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. (FL)

Transunion is reporting the following inquires that are not authorized by me. I contacted the companies below and they stated I needed to contact Transunion. Transunion stated they could not help me. 

The following are not authorized by me. 

XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX in response you guys sent mr letter stating i need to be more sprcific how can i be more specific then stating whats my problem is you guys keep giving me the run around 2 complaints filed with consumer dept sent to yous police report filed and you guys keep responding be more specific i want the inquirys you guys cant send me proof of deleted from my file
Consumer complaint received 2022-09-21
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. (SC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and update these accounts from my credit report.
Consumer complaint received 2022-09-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (PA)

XX/XX/2020 XXXX payment {$200.00} XX/XX/2020 XXXX payment {$500.00} I went through XXXX since it was asked of myself and my bank had ties with them. After finding this vacation property to be fraud they demanded {$600.00} more from me and I would then get my refund. My bank told me since I authorized the payment they were not accountable and they shortly after overdrew my account by {$400.00} and they dropped me for being high risk of fraud. I was never able to get anyone to help me nor did I know about XXXX. There should not be a time limit on someone stealing from u and a person not knowing how to handle what has happened with no legal willing advice.
Consumer complaint received 2022-09-28
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: Financial Credit Network Inc (CA)

DELIVERED INDIVIDUAL PICKED UP AT XXXX, XX/XX/2022, XXXX XXXX, XXXX, CA, XXXX to Financial Credit Network Tracking # : XXXX According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. I will prove documents that it took them 4 months for them to do their investigation well over the 30-day mark.