davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (HI)

nterestingly enough, Experian is incorrectly reporting XXXX of my student loans with having late payments in their history. Experian has reported that I was 60 days late in XXXX, 90 days late in XXXX, 120 days late in XXXX XXXX and 120 late XXXX XXXX. This is simply not possible since these loans were in forbearance at the time Experian claims that they were late. Repayment was not due to begin until XXXX ; since no payment was due until after Experian claims I was late, the Experian report must be corrected by removing these late notations for student loan with date opened XXXX/XXXX/XXXX and disbursed by the Department of Education on XXXX XXXX, XXXX. Attached is the Experian page report showing I disputed this and Experian claims they verified it and did not change it. Also attached is the document from XXXX showing all my loans were due XXXX so there is no way this can be late. XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I have been a victim of identity theft the following accounts are fraudulent I have put up a list of things inaccurate and unauthorized showing below with an police report ftc report with my drivers license and two pieces of mail with my social security card and the letters I have repeatedly sent all three credit bureau
Consumer complaint received 2015-04-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NC)

I could n't find another appropriate option. The debt was not paid ; the debt is/was not owed. XXXX overcharges for data services and I had only XXXX cellular phone account with only XXXX cellular phone but they would claim that my bill exceeded $ 300 monthly, which is outrageous. They falsely advertise an unlimited data plan. I was at my wit ' send and disputed the validity of the purported enormous balance. I canceled my service and they retained my deposit of {$400.00}. They have yet to properly handle my bill disputes. In fact, they have willfully ignored my correspondence disputing the purported balance. Today I received notification that they have reported a debt owed of {$780.00} to the credit bureaus which is a direct violation of the Fair Credit Reporting Act. The bill is at best under dispute for overcharging with XXXX directly. To report it as a valid debt that has not been under claims is effectually premature. I have no negative collection accounts and their report to the credit bureaus has resulted in denial of credit today. I demand that they are enjoined to immediately remove the reported collection account from all XXXX bureaus and correct the excessively high bill. They have been found liable for unfair business practice of overcharging for data and this is exactly what they are doing to me. 

I only had XXXX account, XXXX phone, and the phone was NOT on an installment plan. I owe no balance for the XXXX XXXX, and I owe no balance for the cellular account. If they were to process my innumerable billing claims and correct the bill, a XXXX balance account will be the result, especially considered that they remain in possession of the {$400.00} I deposited with them to start service.
Consumer complaint received 2015-06-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

On my credit report the account with XXXX XXXX XXXX was opened XXXX/XXXX/2008. As of today this has not been removed from my credit report. The XXXX clock starts ticking XXXX days from the date ( month and year ) of the first missed payment that led to charge off, collection, foreclosure or repossession. 
" The XXXX ( credit reporting ) period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the XXXX-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action 15 U.S.C. 1681c ( 1 )
Consumer complaint received 2015-08-06
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (MS)

Over the past 8 months that SLS has had my XXXX mortgage That BAC sold to them. 
They have always sent a monthly bill for the interest only portion of the loan. 
We caught on early and always sent an additional XXXX above the required XXXX there is a line to add to the principle X amount. This has been done every time we paid a note. 
In almost every month they would apply the additional money to the interest for the up and coming month and what ever was left would go to the principle XXXX. 
We would get the next month bill say XXXX XXXX and it would say that our next payment is due by XXXX XXXX. My wife is a wonderful women but did n't realize that was going on until I recently paid a bill while she was out of town. 
I have sent a Error Resolution letter with the needed documentation XXXX pages of it by fax as directed, as of 48 hrs they have n't responded and may have lost it who no 's. 
They have corrected the last months paperwork. 
I had printed out the statement history and was making notes to what the Acronyms where. 
While doing so my page refreshed and the statement history changed in no longer was what I had printed out. ( It was like they were making changes to cover something up ) Hence the XXXX pages of paperwork that I Faxed to them Print copy 1 and # 2Is there anything that I came expect them to do for the lost payments toward my Principle loan or am I just another person that got screwed by the big guy? 
Any Idea how long I have to wait for them to get in touch with me? 
The very least I should get credited for the interest on my load for 2 months or more.
Consumer complaint received 2015-05-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (NM)

I have called many times after seeing this on my report. I spoke to someone and they could n't find any information in their system and seemed irritated that I was trying to figure out what the debt was. I asked them to remove this reporting from my report or provide all the documentation to me showing that what the debt is for and that it is mine. They never sent anything but still continue to report it messing up my credit costing me lots of money
Consumer complaint received 2015-06-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Sterling Infosystems Inc. (CA)

Upon accepting the terms of background screening for employment purposes and request of a copy ; information provided in the consumer report proves inaccurate. The consumer report clearly reports information given that does n't match that of mines. Whereabouts of how the information was concluded are unknown given that no records are available to prove otherwise.
Consumer complaint received 2015-10-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (WA)

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by ALLY FINANCIAL on or about XXXX/XXXX/2015 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Consumer complaint received 2015-04-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: M&T BANK CORPORATION (IL)

I received a letter stating Wilmington Trust holds the note on my mortgage I believe this to be false, the originator of the loan is XXXX which went bankrupt a month after I closed on my home, currently it states they still own my XXXX mortgage yet XXXX XXXX XXXX serviced my XXXX mortgage.
Consumer complaint received 2015-12-01
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Regional Management Corporation (TN)

In XX/XX/XXXX, we got into a position where we were unable pay for our check by mail loans and were getting behind. As a result, we contacted each company and did a debt consolidation loan through XXXX federal credit union. The only way XXXX was willing to complete the loan was by having me talk to each creditor and having them personally fax the payoff amount from each creditor. The payoff of each creditor was sent directly to the creditor from the bank ... not us receiving the money. Beginning about a month later, we started getting the check by mail loans through the same creditors because of our credit worthiness. Does not being able to make payments qualify someone as credit worthy? We ran into a situation where we needed the money. Again, we ended up not being able to make the payments and got way behind. We attempted very small payments but lenders were not satisfied with that. The majority of our lenders were willing to arrange for half payments on our accounts. There have been XXXX companies that have continued to harass us, even with making 50 % of original payments. XXXX company is Regional Finance of XXXX, TN. In XX/XX/XXXX, XXXX XXXX XXXX said that we needed to each make XXXX full payment on account and then would be able to work out a reduced payment. We sold off our belongings to get the money. After claiming that he tried to reduce payments for us he stated that he would not be able to because they are a publicly traded company and that accepting partial payments would be breaking contract. I went ahead and sent partial payments for the both of us. We got a phone call from them complaining and I frankly told them that other creditors have worked with us on partial payments. They ended up taking those partial payments for XXXX, XXXX, XXXX, and XX/XX/XXXX. Now they are saying that we either have to form XXXX loan and have them add all of the document fees back in and increasing payment or they are going to send to collection and pursue sueing us, even with making partial payments. That would be forcing us to file bankruptcy, which does n't help this situation-for the company or us and we have been making partial payments. The other company is XXXX XXXX XXXX XXXX XXXX, TN and is nearly the exact same situation.
Consumer complaint received 2015-11-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Flagstar Bank, National Association (CA)

I have repeatedly asked this online bank to verify whether they have in any way contacted any credit bureau regarding fees they illegally charged when I closed my account, or will contact any credit agencies, or in any way submit anything negative about my credit rating, and the bank has stonewalled deliberately for months, repeating fifty times only that my account is no longer overdrawn, which I have known for months. The bank does not remotely answer the simple question ; has it taken any action regarding my credit history related to my account closure? This bank should have its license revoked
Consumer complaint received 2015-08-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We have been working with our mortgage lender, Select Portfolio Servicing Inc. XXXX SPS XXXX, to get a loan modification since XXXX of 2014, unfortunately we have been denied twice. Since I was laid off of work in XXXX of last year, we applied to Keep your Home California ( KYHC ), only to find out that we did not qualify because they stated that SPS told them that we were approved for their Unemployment Assistant Program. I called SPS and they assure us that we where approved for the unemployment program, and to wait for " the letter '', this was back in XXXX of this year. Since then I have called every week and spoken to multiple representatives who have contradicted themselves over this issue. We lost assistance from KYHC because SPS claimed we were approved, then we were told that we were not approved that it was still pending, one of the supervisors said that in the computer notes it showed that we were told that we were approved without confirmation by the loan resolution department, when I asked to talk to that department, they said that they do not talk to clients directly. Last time I called a supervisor told me that he would escalate our case and we should have a definite answer by this Friday, that someone from the resolution department would contact us. I am soooo upset because we lost 2 months of assistance from either of the programs.
Consumer complaint received 2015-06-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Describe what happened so we can understand the issue ... 
I XXXX XXXX have been fighting with my mortgage company CCO Mortgage loan # XXXX help me with a loan modification for over a year. CCO Mortgage has kept asking over and over again for the same documents that I have kept faxing them. The last request from them to complete a file was a quick claim deed that I had to struggle to get from my ex husband that I had to hire an attorney to help me get that last requirement. I was finally able to get a quick claim deed which I faxed over on XXXX XXXX 2015. I called back a week later and CCO Mortgage like always claim they have never received it so I refaxed it XXXX more times on XXXX XXXX 2015 and XXXX XXXX 2015 and XXXX XXXX 2015. CCO Mortgage Finally said that they have received the package and Per XXXX @ CCO Mortgage said the file was complete and going into underwriting to see what options are available to help me keep the home I love and adore. I called today to get an update and they advised me that the file was kicked out of review because of some 37 day rule I have never heard of. I did everything they asked have sent every possible form to them you can imagine and this is the treatment that I receive from CCO Mortgage its completely unfair and I deserve the right to keep my property.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Notice this Collection account on my Transunion Credit report not belonging to me on XX/XX/year>. I contacted the company and told them that this account is fraud and never open this account. The account is XXXX XXXX, this account was open on XXXX account number XXXX in the amount of {$3500.00}.
Consumer complaint received 2015-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ability Recovery Services, LLC (VA)

My credit report shows a collection account by XXXX XXXX XXXX for something called " XXXX XXXX ''. I sent the attached letter to XXXX XXXX XXXX requesting proof in the form of a signed document by me stating that I am responsible for this account and to date no one has responded to my request. I believe this is a violation of the Fair Credit Credit Reporting Act. My identity was stolen and I am only finding out about it now as I went to apply for a credit card. I am demanding strict proof that this is my debt and I want to see where I signed for this loan/credit card or whatever the original debt is. It has been over XXXX since since I made my request and this is hindering my approval for an apartment.
Consumer complaint received 2015-04-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (FL)

I noticed a debt on my credit report, so I contacted the company and wrote a letter disputing the debt as not a valid debt. I waited the 45 days they stated it could take to resolve or investigate the debt, but never received any media from the company and has now taken almost XXXX as long as they company stated and still have not received any letters nor have they removed this debt.
Consumer complaint received 2015-08-06
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: 1st Money Center, Inc., Hurst, TX Branch (MI)

I live in Michigan. I have a title loan that I have paid over {$2000.00} in fees. I am 12 days late and I still owe XXXX on original loan. They have not taken my car but are texting me that legal action is going to happen. Do I have any recourse, since my original loan was for {$800.00} and every month I have to pay over {$200.00} and it does not touch the original amount. Please respond quickly as I need to know if I have any recourse what so ever.
Consumer complaint received 2024-11-12
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. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that XXXX will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXXXXXX XXXX Balance : {$14000.00}
Consumer complaint received 2015-06-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

Back in XX/XX/XXXX my Mom XXXX XXXX and I ( XXXX XXXX ) decided to refinance our mortgage to obtain funds to give my eldest daughter a sweet XXXX. We reached out to mortgage broker XXXX XXXX who sent a representative to our home and refinanced with XXXX XXXX XXXX. Together, my mom and I signed all documents in the presence of the Broker, and in XX/XX/XXXX the loan began being serviced by Wells Fargo 's subsidiary America 's Servicing Company. The new loan was not fixed as we were informed by the broker it would be and we could no longer afford the payments. From that moment on we began requesting a modification from America 's Servicing Company. They began to tell me that I 'm not on the loan, but on the mortgage and my mother is the noteholder and stopped communicating with me. I have lived in the unit since owned in XXXX of XXXX. At the time of purchase my mom resided in a city owned apartment, but moved in with me as we were informed my unit had to be her primary address. My mom continues to pay the rent as to ensure shelter for our family if foreclosure is the end result. In XX/XX/XXXX we reached out to a third party to assist us and XXXX XXXX America 's Serivicing Company offered us a trial modification plan and I set up electronic payments for XXXX, XXXX and XXXX of XXXX. After all XXXX payments were received ASC requested a copy of the deed and it was provided. Then ASC began the process all over again. Since then, we have been submitting hardship letters and other requested documentation only to continue to receive the run-around. On XXXX XXXX, XXXX my mom and I were requested to appear in court for a mandatory foreclosure conference. The referee overseeing the conference enforced the Bank 's attorneys to work it out with us, I was informed that we would have to submit a new modification application and are scheduled to return to court on XXXX XXXX, XXXX where a decision will be made. We submitted everything as requested, modification application and supporting documents only to receive feedback that ASC is not reviewing our case at this time as nothing has changed. Trying to keep a home for my children and grandchildren has been a long and drawn process. We have spent close to {$15000.00} in attorney fees over a five year period with attorneys telling us they are experts in modifications and the end result remains constant run-around. My mom and I will continue to to find the means to advocate in hopes to keeping our home. I have filed a complaint with the New York State Department of Financial Services who directed me to the Consumer Financial Protection Bureau. I hope you can help.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX