davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (MD)

I XXXX XXXX XXXX, continue to be harassed by phone and email concerning my school loan. The call my home early in the morning and late in the evenings, repeatedly, causing me to change my number. My mother, XXXX XXXX, is being harassed also via phone and email on her job causing problems, which she plans to report to her agency 's police department. On XXXX XXXX, XXXX, I paid {$150.00} by credit card to XXXX of Navient, for a 3 month forbearance because I am having a hard time finding a full-time job and receiving public assistance for health insurance. I did n't have the {$150.00} to pay for the forbearance but Navient would only do it if I pay. The confirmation number for the transaction is XXXX. My next scheduled payment was not due until XX/XX/XXXX. I and my mother have been continuously harassed for payment since then. On XXXX XXXX, XXXX, ( XXXX XXXX est ) my mother spoke to a XXXX ( ID # XXXX ) of Navient and made him aware of my forbearance state in order to remind them and make them stop calling and emailing me. He had called my mother at work, again, that day to harass her. He said the harassment would stop but it never did. I am planning to file harassment charges with the police or other government agency if this does not stop. 

I would like for you to make them stop harassing me, clear my record in their records because I have not missed any payments, never contact my mother 's job again, and work with me to stall payments until I get a job or reduce the payments. 

PLEASE DO NOT SHARE MY EMAIL ADDRESS WITH NAVIENT.
Consumer complaint received 2016-05-07
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo cost me {$2300.00} and kept home ( double wide mobile home on block foundation ) my off of market for 2 1/2 months ( was under contract ) As seller of home i jumped through all hoops for the HUD loan fro Wells Fargo. They wanted a septic inspection and structural inspection well after due dilligence period was over, 1 1/2 months after being under contract. I had to use one of their septic people to be certified.The septic inspection buyer paid for initial {$400.00} which was dig up lid and pump out, when there XXXX XXXX told me i needen new baffle tee and filed lines pumped out. A new baffle tee was installed 2 years ago and tank was pumped then, house has been vacant for 1 1/2 years. XXXX told me it would cost extra {$500.00}, i told him i did not see the need, he said then it would fail inspection i.e. NO SELL! So i paid the {$500.00} ( can you say SCAM! ). Then 1 week after that the structural engineer said that mobile home did not have enough tie downs ( home was up to county and state code ) and he just happened to know an engineer who has designed a new tie down system that would solve my problem that would be certified just like XXXX was on my septic. The sysytem cost {$1800.00} keep in mind that if i did not use this sysytem it would fail inspection also! Now all work down to be certified, found out yesterday 3 weeks after all work completed that buyer does not qualify for loan!!! NOW I AM OUT {$2300.00}. Why was buyer portion not done first??? Can i sue wells fargo?? Buyer put down XXXX earnest which helps a little ....
Consumer complaint received 2023-01-16
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 FCRA, Fair Credit Reporting Act, this creditor has violated my rights under 15USC 1681 section 602 states I have a right to privacy.

604A Section 2 states consumer reporting agency can not furnish an account with out my written instruction. Under 15USC 1666B a creditor may not treat a payment on a loan account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-16
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. (TX)

FCRA Violation : address not mine 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 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  FCRA Violation : credit card not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : collections not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-16
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)

XXXX XXXX XXXX # XXXX, XXXX accordance with the fair credit reporting act XXXX account 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 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX  days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2017-01-18
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: 1ST ALLIANCE LENDING, LLC (AL)

I applied for a USDA home loan through 1st Alliance lending XX/XX/2016. I went through the entire process with this company, and submitted everything they requested of me. I received a preapproval letter early on in the process after I submitted the documents they requested of me. I sent the company several paycheck stubs verifying my, and my wife 's income, through the entire process, which was roughly 5 months, XX/XX/2016 to XX/XX/2016. So the company had ample enough time to verify our income through the entire process, to determine if I we were financially capable of making our mortgage payments if awarded the loan. We were told earlier on in the process that we had ample enough income to qualify for the loan, as well as through the entire process up till the end. I had to pay for the appraisal of the home we were attempting to purchase in the amount of {$470.00}, as well as we lost {$500.00} in earnest money that we put up for the home, due to the application process extending past our contract date. Also, the loan coordinator, XXXX XXXX, told us that we had to use their appraisal company, and could not use one of our choosing, which I feel is illegal. I feel as if we were victim to bad/illegal business practices because we were told initially that our income was sufficient enough to secure the mortgage loan with 1st alliance Lending, 5 months later, and after losing the {$470.00} we spent for the appraisal for the home, and the {$500.00} in earnest money we lost due to the process extending past our contract date, we were told that all of a sudden our income was n't sufficient to secure the loan, and that all of a sudden our debt to income ratio was too great, both of which was verified at the beginning of the process, as well as continuously through the 5 month process. Our loan packet also never went to the U.S.D.A. underwriter, it just stayed with 1st Alliance 's underwriter.
Consumer complaint received 2023-01-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (WA)

On XX/XX/XXXX I called Planet home lending regarding a {$190.00} payment increase to my loan. Through their automated system they state they paid my homeowners insurance {$4700.00} when the actual cost is {$970.00}. I spoke with customer service rep XXXX about the amount, which she was not able to help with, and she stated the reason for the increase was a review in XXXX of my escrow. She stated my tax payment increased by $ XXXX, from {$260.00} to {$290.00}. I then inquired why in the world they would be taking $ XXXX almost {$2000.00} in excess of that increase? My mortgage payment went from {$1100.00} to {$1300.00}! 
It is NOT ok they take my money to sit on needlessly beyond justification of assessed taxes and insurance. I requested proof of what has been paid through my escrow and she stated she would email me the document. I never received the proof of payment from escrow, and they are still withdrawing the excess in escrow until this is rectified. Taking XXXX  times the amount needed is embezzlement of my funds and abuse of their ability to do so in conducting business. I am concerned this has happened to other veterans, as well.
Consumer complaint received 2023-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The Credi Companies have dropped my score twice for the same reason using the same evidence. They have yet to produce the evidence and have dropped my score a total of XXXX points on 2 separate occasions without proof. This seams a XXXX matter or a pay-back for a legal claim. The company states they have 24 hard hits. I want a list of the name 's dates for the 24 hard hits for both times because they did this two times in an 8-month time span. I worked a rebuild my score preparing to apply for a mortgage so that I could move from the place I was living. I have been very ill therefore I was returning to work off of a long-term illness. My employment status was parttime, so it was very import that my score had to be perfect. I would have never applied for 24 of anything. I AM REQUESTING THE PROOF THAT WOULD CREATE THEM TO DROP MY SCORE TWICE AND HURT MY DREAM OF GETTING A HOUSE. I am in the window of opportunity ; this is criminal and a violation of my right to live as i have work so hard. I can't wait weeks for this corrective action. This was wrong and I want to see the LIST Names and dates for both of the drops that have been charged against me. THIS IS NOT FAIR.
Consumer complaint received 2023-01-16
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 was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXXXXXX XXXX. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX XXXX XXXX XXXX XXXX XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taking the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a XXXX letter because I know this is not mine. They have not provided any proof nor removed it. XXXX XXXX XXXX XXXX XXXX XXXX also said they can't find anything on this account. Please help
Consumer complaint received 2015-10-28
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC (TN)

I am writing to file a complaint against Prestige Financial Inc. for harassment and illegal collection practices. I have had the nightmare of dealing with this company, and it is time someone put a stop to their tactics. My account representative is XXXX XXXX, and he has, on numerous occasions, threatened me, belittled me, and insulted my character through emails, text messages, and telephone conversations. Yes, I have had difficulty making payments but it does not warrant being subjected to this type of treatment. He and the XXXX of Collections, XXXX XXXX, have harassed me day after day. I have emails and phone logs to substantiate this claim. They have called me a liar, questioned my ability to be a man, and told me that I am not a good person. This is totally uncalled for, and does not make for good business. My final straw, was today, my wife was at church for bible study, and my XXXX informed her that there was a message on the church answering machine for me. She listened to the message and it was XXXX XXXX, he stated, " This is XXXX and I am calling about one of your church members ( my name ) and his ( my vehicle make and model ) I have been trying to reach him so will you please ask him to return my call ''. I could not believe that he went to such great lengths to shame me, when he and XXXX had just spoke to my wife a week ago and she made a payment and informed them that she would be calling back the last Friday of the month to make another payment. They agreed that they would accept the payment and that she could call back the last Friday of the month with another payment. Since she spoke with them, they have contacted her on four times in 2 days saying " we are just checking to make sure that you are going to make good on your word and make a payment, call us back to set up a payment. '' Need I say, we have not made it to the last Friday of the month, and they have contacted my church ( which is not listed as a contact on my account ) and XXXX of my family members.
Consumer complaint received 2023-01-16
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: HYUNDAI CAPITAL AMERICA (GA)

I have been trying since XXXX to register my car in the state of XXXX. In order to register my car XXXX XXXX needs to send the title to the state I am registering it in. 

On XX/XX/XXXX XXXX XXXX confirmed that they have the title. We requested for it to be mailed to the local tag agency. XXXX XXXX said it would be XXXX - XXXX business days for them to send it to my local tag agency. Numerous other calls for the title were made on XX/XX/XXXX, XXXX and XXXX, XXXX to no avail. Each date I was told it had been mailed. 

XX/XX/XXXX XXXX XXXX stated that they have not mailed the title due to an internal paperwork issue and it may be XXXX business days before it can be resolved. On XX/XX/XXXX they are now saying the paperwork issue still has not been resolved and it will take XXXX business days. 

I do not know what to do at this point. XXXX XXXXXXXX XXXX  special agent said he/she can not talk directly with their title department ; there isn't a number for a supervisor ; they have no complaint department ; and no email or fax. 

Due to the continued misdirection from XXXX XXXX I request that CFPB investigate and the title be XXXX  to the local tag office expeditiously.
Consumer complaint received 2023-01-16
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. (NJ)

Dear [ CFPB ], I am writing to express my extreme frustration and disappointment with the handling of my account by the credit bureaus. Despite my repeated complaints and requests for assistance, the inaccuracies on my account remain unresolved. 
The credit bureaus claim that my account was properly investigated, but that is simply not true. The open date, date last active, and date last reported are all inaccurate and these inaccuracies are in violation of my rights under 15 U.S.C. 1681 section 602 A, which guarantees my right to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 
I demand immediate action to rectify these inaccuracies and remove these accounts from my credit report. I have been patient and cooperative, but enough is enough. I expect a prompt resolution to this issue and an assurance that my rights will be respected in the future. 
Sincerely,
Consumer complaint received 2023-01-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite multiple written requests, the unverified account listed below continues to report on my credit report, this account must be validated Please help me with verifying the account in order for this matter to be resolved promptly. 




































Here is the account that needed verification : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00}
Consumer complaint received 2023-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been sending numerous letters to Transunion for them to remove the account that resulted due to the theft of my Identity. The last letter I sent to Transunion was XX/XX/2022, with complete attachments of my Personal information, but despite all my efforts, Transunion seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Transunion investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Transunion to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT TRANSUNION REMOVE THE ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Consumer complaint received 2024-10-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Goldcar Lending Inc. (GA)

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.
Consumer complaint received 2015-11-20
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (MD)

When I bought my XXXX phone, the app American Express Serve came with it. It auto opened an account, though I did n't think anything of it because I never used it. So there 's no banking info or anything tied to it. Today I got an email saying that unless I add direct deposit to the account AmEx will charge me a {$4.00} fee. I try to log into the site, but I ca n't because I never really opened an account. I did request new PW and that let me in. On the page, no where to close acct. You can only call, tweet them, or write a letter. I have been on hold for 30 minutes. I would really just like to close the account and not be charged $ XXXX. Especially when this is just an app. Like a way to pay for things on your phone w/o using your own credit cards. My major issue is that there 's no easy way to contact AmEx and cancel the account. I am not going to tweet at them or send a letter. My only option is to call and like I said, they have had me on hold. I think this was a little forced since it was an app on my phone that I did n't really want. It was pre-loaded.
Consumer complaint received 2023-01-14
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. (CA)

Texas attorney general is reporting inaccurate information on My consumer report as the attached files prove my claim by law with this inaccurate information this should be deleted. They are reporting that I only pay {$240.00} as my evidence show I pay way over {$3000.00}