davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-25
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. (NY)

I'm a XXXX  student who has been a lender with U.S. Department of Education for several years. This month I was unable to get funds because, upon checking my credit history with Equifax, U.S. Dept of Education received a response that I have no file existing. 
I mailed Equifax a package of my identity documents ( passport photo page, front of social security card, copy of a current lease and the certificate of a recent name change ) and still received a reply that I have no credit history with them. I know XXXX XXXX, with whom I carry an account, reports to Equifax. I have a credit score with XXXX  and XXXX. 
I had a legal name change in XX/XX/2018 upon gaining US citizenship ; I updated my social security account and also mailed Equifax a court order of name change, to facilitate the search for my file. 
I'd like to resolve the issue as soon as possible because my current academic enrollment is in jeopardy.
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX transferred my account to XXXX XXXX XXXX without notifying me via email that a transfer would take place. Neither XXXX XXXX nor XXXX XXXX XXXX provided me written documentation of the transfer or new payment plan to my current address and thus I was marked late by 30 days of payment. I spoke with XXXX XXXX XXXX and they admitted that many other borrowers had this problem, but XXXX XXXX XXXX stated that they could do nothing to rectify the reporting of the late payment to the credit bureau. I paid off the account in full when I discovered the issue.
Consumer complaint received 2019-01-24
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (OH)

XX/XX/2018 Nelnet posted five different derogatory remarks to my student loan account. This has caused my credit score to drop over 80 point. I would like to dispute this, because at that time I was serving in the military and had no idea that my student loan was delinquent. I am working toward making sure my student loan is paid on time, and also trying to refinance them to get them to more a manageable amount.
Consumer complaint received 2019-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (KY)

On XX/XX/18 I drove to the atm located in the XXXX XXXX XXXX in which I tried to withdrawal XXXX, the machine defaulted and I canceled the transaction and drove to the bank and withdrew XXXX from the bank atm, my account was debited for both transactions, I disputed the charges on XX/XX/18 with XXXX in the branch and since said date have received 5 denials of the refusal to return my money, I also found another transaction dated XX/XX/18 in which my account was double debit in the amount XXXX I faxed receipts for the transaction and was refused reimbursement for the bank error, each time I requested them to review the camera footage of transactions and each time I am told the atm has balanced for the day in question
Consumer complaint received 2019-01-25
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. (CA)

I met with a lawyer to file bankruptcy in XX/XX/2017. At that time, the lawyer and the information on the bankruptcy filing documents stated that I was not to make payments to my creditors, friends, family, etc. until the bankruptcy was decided- so I had stopped making payments due to litigation pending under advice of the courts. 
XXXX  and Experian show no lates on the closed accounts that were part of the bankruptcy. 
XXXX states that I have 10 lates ( those same accounts ) even though it correctly lists that they were discharged in bankruptcy. 
This is hurting my credit score from them, and any creditor that uses their credit report to decide on credit approval for me is thus not being given correct information- so I am getting double dinged for the same situation, having my bankruptcy on my record which eliminates those creditors, and those creditors showing that I have a history of lates with them. 
They are the only credit bureau which reports these lates from companies discharged in a Chapter XXXX Bankruptcy which supposedly wiped out all of that debt. 
I request that my Experian credit report record be corrected to eliminate those debtors ( and lates ) as decided by the Bankruptcy Court in the granted discharge.
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

Synchrony Closed my credit card just recently without any advanced notice. Fees were issues on my account when their system was broken and on multiple occasions I was not able to login to my account. I had to change my username and Password more than 20 times and not able to connect my bank account to their credit card. I was charged total fees of XXXX as a result of their faulty technology.
Consumer complaint received 2019-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC. (OH)

I am a victim of ID Theft. I was contacted by the U.S. Secret Service that someone was using my name and SS information. I was informed that XXXX XXXX was arrested and is currently standing trail in US Court. I have been working to clear up fraud on my credit with XXXX XXXX XXXX. When I was contacted that someone was trying to get a job and car in my name in XXXX PA, thats when I pulled my credit report I found more activity that was not mine. I found that accounts she opened are in collections and taxes was filed under my name and my children were claimed on taxes. I am not sure when my birth certificate and SS were stolen somewhere between XX/XX/XXXX-XX/XX/XXXX. The Following accounts are not mine XXXX XXXX XXXX IRS Tax {$13000.00}. Please send my file back to the IRS Fraud dept and please contact the Secret Service ASAP.
Consumer complaint received 2019-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

The problem : I cant get a monthly statement from Lakeview Loan Servicing The details : 1. I have never ( over the entire life of the loan ) received a monthly mortgage statement. 

2. The lender does not respond to emails. Instead generating computer responses with non working links. 

3. The lenders website is a farce - despite numerous attempts I have not been able to login. 

Following is a sample email _ I have many more just like it : Dear XXXX XXXX, Thank you for contacting your loan servicing team! 

We have received your inquiry and are assigning it to the appropriate department where your request will be thoroughly reviewed and handled. Please utilize the ticket number provided which begins with the letters XXXX for any further communication relating to your recently submitted email request. 

Please note : duplicate inquiries may prolong your time for resolution. 

Your reference/ticket number is XXXX. 

====== Your Inquiry ====== IMPORTANT NOTICE - This message sourced from an external mail server outside of the Company. 

I will believe it when i see it. 

Not the first time that you said you would contact me On Thu, XX/XX/2019 at XXXX XXXX Customer Service XXXX wrote XXXX Dear XXXX XXXX , Thank you for contacting your loan servicing team! 

We have received your inquiry and are assigning it to the appropriate department where your request will be thoroughly reviewed and handled. Please utilize the ticket number provided which begins with the letters XXXX for any further communication relating to your recently submitted email request. 

Please note : duplicate inquiries may prolong your time for resolution. 

Your reference/ticket number is XXXX. 

====== Your Inquiry ====== IMPORTANT NOTICE - This message sourced from an external mail server outside of the Company. 

Hello, I have tried to contact Loancare LLC NMLS # XXXXnumerous times but have never received a response. 

My next step is to contact the Californian Real Estate Commissioner and the DRE. 

I am a licensed real estate broker and have not been able to see a statement for my personal residence for over a year! 




XXXX XXXX XXXX License XXXX Loan Number : XXXX. 

Payment Confirmation Thank you for making a payment on your mortgage account. 
Your payment in the amount of {$2000.00} was received on XX/XX/2019. 

This email confirms receipt of your payment. 

Thank you for being a valued customer. 

Please go to XXXX for further detail, or submit any inquiries via the Contact Us page. To unsubscribe from this email, please go to the Update Notifications page under the My Profile menu of the website, or email XXXX to be removed. 

If you have any questions about your account or need assistance, please email us XXXX. 

This email was sent to XXXX by LoanCare LLC NMLS # XXXX If you are not the intended recipient and feel you have received this email in error, please click here to notify us.
Consumer complaint received 2019-01-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (FL)

in XX/XX/XXXX I financed a car from XXXX XXXX in XXXX, fl. Almost 4 years later and I have never recieved not one paper regarding the the loan. The orignal excuse I was given was that the printer was broken. Thet promised I could come back the following day and pick up my papers. Never once did they follow through with anything. I have spent years and countless times calling even showing to the dealership multiple times. The people were beyond rude. They would curse belittle and insult me. I also had a friend who I brought with me to help with the whole sitatuation, they even threatened voilence towards both of us as well. When I left the original day I had no idea of anything about the car. I didn't even know the name of the bank. I am currently still trapped in a horrible loan, i was never advised my payment was XXXX/mo. was never told my interest rate was over 27 % either. I had to piece together all the little infomation i had on my own. Wasnt hard to see it was a awful deal. so not only was the dealership awful but they gave me a awful loan as well. Santander has been the worst bank imaginable. Still they will not provide me with any proper paper work. This whole experience has been nothing short of a nightmare. They will not help me in anyway to help with my loan, lower my payment or interest rate nothing ... they harrass me my family even my landlord. They are extremely rude and uncorroptive. I have paid off less than 2000 dollars towards the oringal loan and I still owe almost 30000 dollars on he car after 4 years of even struggling to make a XXXX/mo payment. After all these years the car value is currently around 10000 dollars and had high lied about miles from the beginginig. I am charged outrageous and numerous fees monthly and am litterlaly trapped and have gotten no where. This has been the worst experince nothing has even been explained or even true at all
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Ditech Financial LLC (CO)

My then-wife ( now ex-wife ) XXXX and I had a first and second mortgage on a house we owned in XXXX XXXX, Colorado, several years ago. We purchased it in XXXX for approximately {$420000.00}. XXXX subsequently and irretrievably lost her job as a XXXX  XXXX due to XXXX XXXX XXXX XXXX XXXX and we were unable to afford both mortgages. We applied for mortgage relief, including a negotiation for a short-sale on the second mortgage. The first mortgage company was going to be fully repaid regardless of the outcome, as the first mortgage balance ( {$310000.00} ) was well below the market value of the property at the time of resale ( {$370000.00} ). The second mortgage holder was unwilling to budge, despite the fact we received two real estate contracts to sell the property for significantly above the balance of the first mortgage ( contract amounts of {$370000.00} ), yet below the then-existing market value, which was at the depths of the mortgage valuation crisis in the U.S. We negotiated in good faith for over a year, which included paying the full monthly second-mortgage payment during the entire negotiation period, which they vaguely promised would result in a positive outcome. Yet, we had zero success in reaching an agreement with our second mortgage holder. The first mortgage holder, having no incentive to delay foreclosure, foreclosed, which under Colorado law, caused all junior liens to drop off as a matter of law, as though they had never existed. We then filed for chapter XXXX bankruptcy to discharge the then-existing unsecured debt, which was discharged in XXXX, including the prior second mortgage. 

The second mortgage company, whose lien was removed as a matter of law at the public trustee 's sale in XXXX, and whose loan obligation was discharged at bankruptcy in XXXX, has now refused to deleted the {$170000.00} lien amount from my personal credit report. This has resulted in my inability to qualify for an otherwise attainable FHA loan. 

I am requesting relief of the inaccurate credit report which shows a {$170000.00} balance to Ditech. The loan balance was discharged through bankruptcy, and the lien was removed as a matter of law. And we have no longer owned the subject property since the public trustee 's sale in XXXX.
Consumer complaint received 2019-01-24
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. (OH)

This is the third time I have requested actual proof of ownership, proof of contract from 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 Taking assignment of Debt ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency. ( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection. ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. I believe all these are inaccurate and is in violation of both FDCPA and FRCA.
Consumer complaint received 2020-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Mr Cooper is incorrectly holding early partial payments until full payment is made contrary to what is noted on their app. I have been paying partial payments since XX/XX/2019. As an example the partial payment in XX/XX/XXXX was for the upcoming XX/XX/XXXX bill with other partial being paid on due date. When using the partial payment option on the Mr. Cooper app there is a note that indicates if I want them to hold the partial payment until I have made the remaining payment to contact them. Otherwise they could apply your payment sooner. I never contacted them so it my understanding that my partial payments were being applied as they were made. Instead Mr. Cooper has been placing the money in an unapplied funds until the full payment has been received. I contacted them and pointed out the error. I was advised that their system doesnt allow for a partial to be applied to balance when it is made. When I advised them they had a note on their app saying otherwise I was told it wasnt their practice. I challenged and asked them to explain the note, since I never contacted them to request that they hold my payment. They are adamant that they are able to hold off on applying partial payment until full payment is made. This makes the information on their app misleading.
Consumer complaint received 2019-01-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Quality Loan Service Corporation (CA)

THIS COMPLAINT IS DIRECTED TO QUALITY LOAN SERVICES CORPORATION IT APPEARS ONCE AGAIN THAT A SECOND DEFAULT NOTICE WITH INTENT TO FORCLOSE WAS FILED AT THE XXXX XXXX OFFICE IN VIOLATION OF CALIFORNIA PC 115 WICH STATES ITS FELONIOUS TO KNOWINGLY FILE FRAUDULENT OR FORGED DOCUMENTS AT ANY GOVERNMENT OFFICE. XXXX XXXX FALSELY CLAIMS A DEFAULT AMOUNT OF {$27000.00} IS OWED THEM, WHEN IN FACT I DONT OWE THEM A DIME!!! THEY ARE ILLEGALLY ATTEMPTING TO COLLECT ON AN UNAUTHORIZED ACCOUNT, XXXX XXXX TO DATE HAS NOT COME CLEAN ON THEIR INVESTIGATION IN VIOLATION OF 15 U S CODE 1692d WICH STATES HARASSMENT OR ABUSE SECTION 1 THE USE OF VIOLENCE OR OTHER CRIMINAL MEANS TO HARM THE PHYSICAL PERSON, REPUTATION, OR PROPERTY OF ANY PERSON IS A VIOLATION OF SUCH CODE IT ALSO APPLIES TO SECTION 4 THE ADVERTISEMENT FOR SALE OF ANY DEBT TO  COERCE PAYMENT OF THE DEBT IS ALSO A VIOLATION OF SUCH CODE, THEREFORE XXXX XXXX IS IN NON COMPLIANCE, THIS ALSO APPLIES TO QUALITY LOAN SERVICES CORPORATION. I RECIEVED A EMAIL FROM QUALITY LOAN SERVICES CORP ON XX/XX/2018 WICH STATED THEIR FILE ON THE DEFAULT ACTION HAD BEEN CLOSED BECAUSE THE DEFAULT WAS CURED SO WHAT EXACTLY IS THE STATUS TO DATE? I HAVE RECIEVED NOTICE THAT MY HOME HAS A SALE DATE OF XXXX XXXX! IS THIS A SICK JOKE? IS MY HOME UP FOR SALE? BECAUSE IF IT IS I DEMAND YOUR AGENCY TO CEASE AND DESIST AND TO CANCEL THE ILLEGAL SALE OF MY HOME .XXXX XXXX   HAS NOT VALIDATED THE DEBT IN VIOLATION OF SECTION 809 VALIDATION OF DEBTS.XXXX XXXX  CAN NOT VALIDATE THE DEBT AS IT HAS ALREADY BEEN ESTABLISHED BY THE COMMERCIAL CRIMES DIVISION, THAT A FORGERY OCCURED, A FRAUDULENT GRANT DEED WAS CREATED TO FACILITATE THE ISSUING OF THE ILLEGAL LOAN OBTAINED BY USE OF A FRAUDULENT TRUST DEED. WICH MEANS XXXX XXXX IS ENGAGING IN A TRUST DEED SCAM ILLEGALLY USING MY HOME AS COLLATERAL WITH INTENT TO STEAL MY HOME OUTRIGHT A CRIMINAL ACT OF GRAND LARCENY BECAUSE OF THE VALUE OF MY HOME. ONE CRIMINAL ACT DOES NOT JUSTIFY ANOTHER SO I SUGGEST QUALITY LOAN SERVICES CORP ASK XXXX XXXX  INVESTIGATORS WHY THEY REFUSE TO CONTACT LAW ENFORCEMENT OFFICIALS ON THIS MATTER AS THE REGULATIONS AND LAWS APPLY TO THEIR AGENCY AS WELL. AND THEY CAN ALSO ASK XXXX INVESTIGATORS WHY THEY REFUSE TO PURSUE THE 2 CRIMINALS WHO TOOK OUT THE ILLEGAL LOAN IN THE FIRST PLACE!
Consumer complaint received 2020-01-31
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. (MA)

In XX/XX/XXXX I contacted Equifax and advised I was disputing several accounts they were fraud on my credit report I advised them of a XXXX account in the amount of XXXX opened on or around XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX and also an account from an original creditor by the name of XXXX XXXX XXXX in the amount of {$32000.00} opened on or around XX/XX/XXXX I also advised them of another collection account with XXXX XXXX in the amount of XXXX opened on or around XX/XX/XXXX Ive sent in another dispute on XX/XX/XXXX asking once again for this to be reinvested I have tried to contact the collection agency got XXXX XXXX I get nothing but a ringing no answer no voicemail I was just told on XX/XX/XXXX that my dispute result from XX/XX/XXXX was found that the information belong to me it was valid however I was not provided with any proof any paperwork or anything regarding this investigation I contacted Equifax again on XX/XX/XXXX they advised me that the collection agency has 30 days to respond to them I do not feel this was properly investigated back in XX/XX/XXXX if it was then it would have been clear that this account did not belong to me and was fraud and removed from my credit report just like XXXX XXXX and XXXX   removed this particular account from my credit report lastly XXXX is also disregarding a disputed account from Creditor Information XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX in the amount of XXXX and I have no knowledge of this account I explained my email was compromised my belongings were compromised and also I was apart of the data Breach with Equifax as well also an account showing closed with XXXX XXXX   for XXXX opened on or around XX/XX/XXXX and is showing closed with a balance and I never done business with these people I explained to the company and also the credit bureaus and they are refusing to remove these off my credit reports. All of these accounts were disputed on or around XX/XX/XXXX
Consumer complaint received 2019-01-24
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)

Hello, someone has been applying for credit in my name, there are 86 inquirys on my credit report that I have on Experian, I DID NOT AUTHORIZE any inquirys from XXXX to XX/XX/XXXX I am asking EXPERIAN to cease all reporting of these inquirys as mandated under the FCRA 2009 ( a ) FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. " I am the victim of identity theft and these inquirys are the result of identity theft, under the FCRA 2009 ( a ) ( 3 ) the credit reporting agency MUST cease all reporting of these inquirys if they are the result of identity theft which I have notified Experian of now.