davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-09
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. (FL)

I sent letters out certified over 45 days ago and have yet to be notified of any results. As a consumer I dont feel like these people are not taking me serious and are taking advantage of me.
Consumer complaint received 2023-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (WA)

My husband and I have a direct consolidated spousal loan. We both work in public service. We have well over the XXXX  qualifying payments. I applied for forgiveness in XXXX and the portion of loans that came from me were forgiven and we were told my husband would also need to apply to have the rest forgiven. He applied in XXXX of XXXX  and waited because we knew processing times were long. 6 months later, he called to check on the progress and was told his application for forgiveness was processing. We waited several more month and called again and were told it was still in process. Following that, our loans were transferred from XXXX to Mohela so after waiting a few months, my husband called Mohela only to be told that there was no forgiveness application on record. So he submitted the forgiveness application form again. When I went online to check on the status, it said the application was cancelled. So I called again and the rep on the phone told me it was cancelled because the name on the form didn't match any existing accounts. He looked into the issue and saw that indeed my husband 's name is attached to the loan and said it was a mistake that they didn't process the application. He said he would have it reviewed and added a note about the issue. He told me to give it XXXX business days to have it fixed but it still says that the application was cancelled. We are beyond frustrated at this point. We having been calling and submitting info for help for about XXXX years now and have gotten nowhere. The problem seems to be with the fact that my husband and I have different last names and the loan is under my name but since the loans came from my husband originally they need his employment verification ( which he has already submitted but they refused them ). Is there anyone that can actually help resolve this situation? We are now at XXXX payments out of the XXXX required ( so XXXX payments over ) and everytime this company says they are going fix the issue, we wait and nothing happens. Now we are looking at payments starting up again and will have to pay over a XXXXXXXX XXXX a month on a loan that should have been forgiven by now. We have called over and over again and can not get anyone to help. We even tried to get an administrative forbearance while they figure it out and although we were told once again that we could get one, that never happened either. Please help! Thank you!
Consumer complaint received 2024-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (PA)

Our mortgage servicing was transferred over to Shellpoint Mortgage Servicing on XXXX XXXX from XXXX XXXX XXXX. Both companies are known as grifter type mortgage companies that intentionally tries to raise your household expenses until you can't afford your mortgage any longer. The first scam that Shellpoint attempted to do was purchase mortgage insurance on our home without our consent. When they failed at that since we had our own mortgage premium, they raised our mortgage amount claiming the escrow account needed to be adjusted. My wife and I found out today that our property taxes were not paid for this year. The tax bill was sent to Shellpoint in XXXX by means of certified letter. They intentionally didn't pay the taxes and received the tax bill in ample time. All homeowners connected to these grifters are suffering the same hardships. They need to be stopped. I read countless reviews about these grifters along similar circumstances of other homeowners and now we are victims of the same scams. As long as these grifters are in business no homeowner are safe from their scams. We are in the process of seeking legal help to fight this trash company.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 2020-10-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (LA)

I bought a car and financed it through Toyota Financial Service. The financial term was for five-year, but I paid the car off within 2 years. Toyota stated that they sent me my car title, which they were not able to provide a tracking number for it. I waited 2 months and still did not receive my car title to register my car at another state. One of their customer representatives said they would help me obtain a duplicate title. However, when I called back they insisted for me to do it by myself. I had to pay for a title that was supposed to be sent to me after a paid-off. I contacted the state DMV and they indicated that Toyota did not request a title, and that the car was still under their lien. So Toyota had to send me a lien release after several contacts. In the end, they were not responsible for the title, and I had to drive back to the original registration state to request a duplicate. This process took way too long and had costed me money for a title that I deserved to receive at the end of my term. Toyota handled the situation very poorly, and their customer service representatives were not trained well and provided different solution every time. I would like for Toyota to pay me back the title fee incurred for having to do a duplicate title. This was because they could not send me the original title and blamed that responsibility on the postal service, when they did not even have a tracking for an important document they sent out.
Consumer complaint received 2020-10-10
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: AMERISAVE MORTGAGE CORPORATION (PA)

On XX/XX/2020 I received an unsolicited call from Amerisave Mortgage Company. I was informed by the representative that the bank had accessed my credit report to determine I have been preapproved for a mortgage with their company. At the time they requested my report I had not even heard of their institution. My credit is excellent and I am not in the market for a mortgage considering my mortgage has been paid for two years, and this company inappropriately accessed my confidential And private financial information. If there is not a law preventing unsolicited access to my credit report there should be.
Consumer complaint received 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

THE ACCOUNT DISPUTED ARE DISCHARGED ACCOUNT THAT HAS BEEN SETTLED IN COURT. THE DEBTOR HAS NO RIGHT AND AUTHORIZATION TO REPORT ON MY CREDIT FILE AND TO COLLECT ANY DEBT THAT HAS BEEN DISCHARGED. I AM NO LONGER RELIABLE TO THESE ACCOUNTS AND I AM REQUESTING IMMEDIATE REMOVAL ON THE REPORTING CREDIT BUREAUS, XXXX  AND TRANSUNION.
Consumer complaint received 2021-05-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lending Club Corp (TX)

The Lending Club NA has been reporting a Negative Record on my FICO report through XXXX XXXX, XXXX  and XXXX for a Charged Off amount of {$10000.00}. It was most recently updated by them in XX/XX/2021. This is hurting me tremendously by way of this negative record lowering my credit score, while I am trying to refinance my home. 

I have made attempts to contact them at XXXX XXXX XXXX XXXX. In my effort to gather details about this, agents at this phone number are stating that they do not have a record of this account because it has been sold to a company called XXXX. They provided a phone number of XXXX to gather details. When i called this company, they informed me that this account is NOT KNOWN to them. 

This is extremely frustrating. An account of this size reporting as a NEGATIVE to all three credit bureaus, is causing me great harm and needs to be DELETED FROM MY CREDIT REPORT AS QUICKLY AS POSSIBLE. 

These debt sellers and debt purchasers should not be allowed to abuse consumers in this way.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (PA)

I tried to correct payment with a credit card company belive it was XXXX. They couldn't retrieve or find an account they keep transferring me to different departments only to be told the same thing. Theirs a charge showing on collections for this charge. This charge keeps hurting my credit when i tried to straighten out. They should pull this charge from my account since they cant locate one never should have been sent to collections.
Consumer complaint received 2020-06-30
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. (NC)

I have sent a dispute along with a copy of my credit report and ID Theft Report to the credit reporting agency. They are in violation of 605B of the FCRA as they have not blocked the items from my report that are not mine in a timely manner.
Consumer complaint received 2021-05-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (LA)

I received a letter last month stating my account was closed. Because Citi bank failed to close my account correctly the first time my stimulus check from the IRS was deposited into that account. They sent me a letter stating they were closing my account but never sent me my stimulus check The stimulus check was in the amount of XXXX {$1200.00} for me and XXXX $ for each of my children. The IRS is stating they sent my stimulus check to that account but I have not had access to that account since XXXX of 2019. It has been several months this bank has been holding my money. They hang up in your face when you try to call and give you little information.
Consumer complaint received 2021-05-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I have been trying to get a copy of my Equifax credit report for the last couple of months. I used to be able to log into my account with them but can no longer do so. 

Today - XX/XX/2020 - I tried again. I downloaded their XXXX and XXXX smartphone app and tried logging in. I received an error message saying that I wasn't able to get to their servers, so I called their Cust Svc # and spoke to a person there. 

She asked me if I had already set up a XXXX and XXXX  account and I told her that I thought I had but would go through that setup process again to ensure I did. This was after I hung up with her. 

When I tried setting up the acct, the system said that the email was already in use and to sign in instead of setting up. I tried that, but got another error msg that said to call cust Svc, which I did again. 

This 2nd time I was able to speak to someone who after validating me, sent me a link to reset my password which I used and changed my password. I received an email verifying that my password had been changed, so I tried to log in using that new password. I received another error msg saying to call Cust Service again. 

The 3rd time I called, I was asked to validate my identity which I did, however they asked me for info regarding a bank loan, date of and amount of the loan. I told the man that I do not have an outstanding bank loan but only two credit cards that I am paying on that are open. He wouldn't validate me. He then said that I needed to send them some documentation that will take 7-10 business days to resolve. 

I told him that I am trying to refi my mortgage with a lender and don't have the time to wait to get into my credit file which is frozen to prevent identity theft. 

That didn't matter. 

I believe that the verification process needs to be reviewed and consideration given to use other account identity validation methods to prevent someone like me from being prevented from getting my own information that Equifax is holding. 

I would like help to resolve this, please.
Consumer complaint received 2020-10-09
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. (FL)

I am at my wits end and i do not no what else to do. my realtor checked my credit and told me that i had a negative account by the name of XXXX XXXX XXXX with a balance of {$9100.00} opened on XX/XX/XXXX and a XXXX  account with a balance of {$45000.00} opened on XX/XX/XXXX. These don't belong to me. i'm a victim of identity theft and i desperately need a Disaster relief loan that i can not get because of these accounts that do not belong to me. please help
Consumer complaint received 2021-05-20
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)

There are multiple Accounts on my credit report that do not belong to me I have not opened these accounts I have not signed or approved these accounts. I have tried to reach out to the bureaus as well as the furnishers but they are not helping me they are not opening an identity theft report for these accounts I need help to get these unknown accounts off my credit report it is affecting me personally and emotionally. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX INQUIRY Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry
Consumer complaint received 2023-08-08
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. (FL)

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. 
Account Name XXXX XXXX XXXX Account Number XXXX 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 2022-07-01
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: AMERICAN EXPRESS COMPANY (WA)

Im writing this complaint since I have no other way to solve problem with XXXX. The problem is following : On XX/XX/2021, I made a transaction with XXXXXXXX XXXX  XXXX for {$8800.00}. However, I never received the order in full. I got 5 % of the order and most of them are damage during shipping. The product I order is hardwood flooring and vinyl so I can remodel my house. I tried to contact XXXXXXXX XXXX XXXXXXXX but can not solve the problem. At first they told me to return the damage items to the store to get the refund. I told them I can't bring them to the store since they are oversized and heavy. They told me to send them photos, I sent them and they told me to throw it away, recycle it. They promised to give me full refund on one email ( attached ). However, they never processed the refund. I made a dispute with American Express XXXX XXXX ). Since its a credit card, I should not be liable for this type of charge. American Express resolved the case in my favor at first and eventually reversed the credit for no reason. Now they say that they can not continuous the dispute because of the time frame ( XXXXXXXX XXXX XXXXXXXX always try to delay the response ). Despite that fact that all the information are clear. 

Please help me get the refund back.
Consumer complaint received 2021-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (SC)

On XX/XX/2021 XXXX had a collection agency put a collection on my credit for a XXXX account at an address that is not mine. I found a police report several months ago with XXXX XXXX sheriffs office and provided that to XXXX XXXX XXXX global  fraud support. They claim this does not cover XXXX. When I call XXXX I get the runaround. I have tried to buy them with information and they keep trying to collect as well as the collection agency
Consumer complaint received 2023-04-08
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. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time 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 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LAKEVIEW LOAN SERVICING, LLC (IL)

1. ) On my XXXX credit report it shows mortgage loan origination with LAKEVIEW LOANCARE as XX/XX/2021 ; when in fact, my mortgage was transferred from XXXX XXXX to Lakeview Loan Care on XXXX XXXX! 
XXXX does not show my XXXX nor does it show that XXXX transferred my loan to Lakeview Loan Care. IT ALSO SHOWS ON XXXX THAT I WAS DELINQUENT IN MY XX/XX/2021 mortgage payment which I paid to XXXX Mortgage on XXXX my XX/XX/XXXX! 
2. ) My XXXX credit report shows a Lakeview Loan Care Mortgage as origination date of XX/XX/2021 when it should be XXXX XXXX! 
3. ) My XX/XX/XXXX credit report shows a Lakeview Loan Care Mortgage origination date of XXXX XXXX when it should be XXXX XXXX. 
4. ) I have never been late in ANY MORTGAGE PAYMENT as proof from my account with XXXX XXXX who forwarded my payments to Lakeview Loan Care in what they say was a timely manner. However Lakeview didnt post my XX/XX/XXXX and XX/XX/XXXX mortgage payments until XXXX XXXX! Shame on Lakeview for reporting incorrect information to credit reports and damaging my excellent credit and doing it within 60 days of my mortgage loan transfer violating the Fair Credit Reporting Act!