davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-21
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Internal Check Systems, LLC (NC)

I received a call from a private number notifying me that I had been served and to call XXXX and provide case # XXXX. I called that number an the company did not identify themselves until I asked who I was calling. I was transferred to a man named XXXX who proceeded to tell me I owed a Payday Loan from 2010. He had details of an old bank account and old email address of mine. I asked who had called and told me I had been served and he answered a courier company had called me to notify me of a pending judgement. I think this debt is too old to collect on and am not even sure I still owe said loan. He gave me XXXX options for payment and told me I had to pay them something to allow him to put a stop order on the judgement where it would end up costing me $ XXXX to take care of. I told him I would n't and could n't guaranty anything until I had time to thiink about it. He kept pushing for some type of payment which I refused to give. As far as I know thay are not even licensed in the state of NC to be able to collect a debt. I 'm furous that I had to hear about this from a courier company who tells me I 've been served. Is that legal??
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (DE)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2015-08-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Prospect Financial Group, Inc (CA)

I recently closed a loan with Prospect Mortgage. I received my initial disclosures indicating that I have a 3.99 % interest rate. Once I signed and return the initial package. On XXXX/XXXX/2015 my loan officer emailed my saying that the interest rate went up to 4.125 %. and said he would like to lock the 4.125 % rate to provide us the security of rates getting any higher, but still having the free float down option of lowering the rate if the market gets better by 1/8 % up until closing. I agreed to the 4.125 since he said the interest rate were risingassuming I was getting new disclosure, however I never got a revised disclosure and the next thing I know we were closing the loan at 4.125 %. At the time it went by so fast I end up signing documents. Now thinking back, I wish I was given a revised disclosure showing my new rate, what my amortization would have looked like prior to me closing loan. Does TILA and RESPA require a lender to redisclosuse if the interest rate is higher than the initial disclosure? If so, doesnt this mean Prospect violated these regulations. Can someone assist me. Thanks XXXX
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute an inquire fraudulently pulled in my name. I am a victim of identity theft and did not authorize this inquire .I am not responsible for any charges made to this account if any if open. 
Please delete this inquire immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent request that provide proof I applied for this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance.
Consumer complaint received 2017-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (NC)

As of this date I have not received my XXXX from Nelnet, a student loan servicing company. My loans were discharged by Nelnet in XXXX XXXX. I have reached out twice by phone to Nelnet 's XXXX section on Monday the XXXX of XXXX XXXX and was told that " Upper level management was researching if I would get a XXXX for discharge of federal loans. I asked when a decision would be made and was told it would take some time. I asked for a return call to keep me informed and was told not to expect one. On the second time I reached out to Nelnet 's XXXX section I was also told that " Upper level management was researching if I would get a XXXX for discharge of loans and that Nelnet would access my credit from XXXX credit reporting agencies before any decision would be made. In light of the fact that Nelnet intends to " hit '' my credit again, I have not attached the credit reports as they will be outdated by the time Nelnet has accessed them again. Nelnet has continuously reported inaccurate information to these agencies and there is no reason, other than retaliation for my initial CFPB complaint for the mismanagement in servicing of my federal student loans and mismanagement of the XXXX discharge process and for reporting their inaccurate information targeting my credit in a most detrimental manner to credit reporting agencies. ( Seee CFPB complaint # XXXX ). I have alerted XXXX today to place a freeze on my account to prevent further damage from Nelnet. I will contact XXXX and XXXX as well. My questions for Nelnet are : Why is Nelnet tampering with my credit ( pulling credit reports during the ongoing initial complaint which will be formally addressed ) and what legal and legitimate purposes was it initially used for and for what future purposes would another " pull '' be deemed appropriate and necessary? What is Nelnet going to do to demonstrate in writng to all credit reporting agencies, to me and the CFPB that Nelnet has corrected all erroneous information from any credit reporting agency they have reported to? Secondly, Nelnet, is there a XXXX for the discharge of these loans? If there is, where is it and why must my credit be subjected to another around of " pulls '' before a decision can be made about the in question XXXX and when can I expect to receive it in the mail?
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

In the middle of dispute with XXXX XXXX XXXX regarding unethical business practices with CFPB. They did not care to resolve-they disputed that the AUTHORIZED LOAN HOLDERS are not authorized parties so the CFPB closed my dispute. XXXX did not like the response in regards to nickle and diming fees from customers so they responded to myself and my husband ( who are both signers on the loan they provided us ) are now unauthorized 3rd party. We are unauthorized, but they take our payments monthly. Do not trust XXXX XXXX XXXX. Will not happen I am sure, but want it known that this company does not practice business ethically. I have offered to take half the responsibility for not checking that their payments that I am making are coming out of the right account, because I used to trust XXXX would have told me by mail or better yet maybe on one of the multiple occassion 's that I have spoken to a representative at their company since. No one told me that my old account number was still saved and that they can not update my new bank information for me. The over seas customer service reps are not trained adequately, so they took my payment, but never told me of returned payments that I made because my bank account was never changed, nor updated on my profile. That is why I called them, I will take half the responsibility for trusting XXXX would have done the right thing and let me know, but I should have know they are a corporation and would keep charging me fees instead of doing the right thing and letting me us know. This has been going on since XX/2016! No one told me that when I gave them the new bank info that it would not save. I expressed the fact that I could not login and had to change my bank info, yet none of the overseas reps could understand that and just took my payment without stating that they could not save this info. I honestly do not care any longer if they remove the negative mark or not. Just want other consumers to know how XXXX runs their business.
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I contacted Trans union early this year when I got my credit report and told them that I think I had been a VICTIM of their inquiry issue ''. I gave them the inquiries XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX I ask them to remove them, but customer service would not help and take care of the negative inquiries reporting to my credit report. Then a friend recommend I try you guys.
Consumer complaint received 2017-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint # XXXX Transunion XXXX XXXX does not show on my report as of XX/XX/XXXX File # XXXX It does not show and it is right according to the report mail to me on XX/XX/XXXX by Transunion
Consumer complaint received 2017-09-20
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (TX)

As a current home owner, I reached out to Amerihome Mortgage approximately 4 months ago when i was not able to make my morgage payment. At this time I was 30 days past due, and contacted the customer service department to advise my payment was too high for me to pay. 
My mortgage payment was around {$1500.00} per month, which was not a problem. Due to the home being new construction, the taxes were not assessed properly or not at all and I received a statement advising that my new monthly payment was around XXXX per month, which i could not pay. Up until that time, my monthly mortgage payment was on time monthly. 
I contacted Amerihome and requested possible solutions to this issue, they were no help at all, they advised me that I must make the {$2800.00} payment or else. I asked if they would accept the {$1500.00} payment until I could find means to try to catch up the taxes and I was advised it would not be accepted. 
I started the paperwork for a loan modification as the agents advised me they would be willing to help me. 
This process took 5 long months! Unbelievable! Only to tell me that I do not qualify for the modification, but they would provide me with a repayment plan of {$4300.00} for 5 months, then {$2800.00} for the remaining months. 
Really??! If I am unable to pay {$2800.00} per month, which I clearly stated to the agents, how am I able to pay {$4300.00}??? 
I find their practices deceptive as they really are not interested in helping consumers, but wish to foreclose.
Consumer complaint received 2017-09-19
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Freedom Mortgage Company (UT)

On XX/XX/XXXX a principal and interest payment was paid in the amount of {$970.00} for my XX/XX/XXXX principal and interest payment. I understand that my principal interest taxes and insurance ( PITI ) payment is a total of {$1200.00}. My escrow balance due for the month of XXXX was paid on XX/XX/XXXX completing my XXXX escrow payment. When my loan was originated I promised to pay a certain amount for principal and interest each month to avoid any foreclosures and added interest that may accrue, and I have committed to that agreement since origination. A mortgage company is unable to pursue foreclosure on unpaid escrow so why are they able to report to the credit bureaus negatively when the escrow balance was not paid? 

Per my credit reporting Freedom Mortgage reported me as a 30 day delinquent because my payment ( PITI ) was not paid for the month of XXXX ; however, on my report it showed that I was in the arrears of over {$2200.00} which is not correct as they stated in their response dated XX/XX/XXXX ( which I just received on XXXX ) that my payment of {$1200.00} is the full payment for the month of XXXX. When i initially wrote to Freedom Mortgage I advised that my principal and interest payment was paid prior to the reporting date to the bureaus as well as my escrow payment was also paid for the month of XXXX prior to them reporting to the bureaus and asked that the revise their reporting and report the month for XX/XX/XXXXas current because the principal and interest payment was paid on time. Unfortunately, they declined my request, and provided me a response. 

Please help me with the following : 1- Update my credit report for the month of XXXX to current as the principal and interest payment was paid in the month that it was due. 
2- Explain to me how the credit bureau is showing a delinquent amount owed for over {$2200.00} when my payment is almost half of that. 
3- Explain to me how the mortgage company can not foreclose on unpaid escrow but they are able to report negative on a credit report if the principal and interest payment was paid but not the escrow portion of their payment.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: MECHANICS BANK (MS)

This debt collector engaged in abusive, deceptive, and unfair 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. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2017-12-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CNG FINANCIAL CORPORATION (CA)

CheckXXXX N go XXXX XXXX XXXX XXXX is under suspicion of breaching my waiting list position on the section XXXX list, application date : XXXX, conclusion, does not exist on section XXXX waiting list, as of XXXX/XXXX/XXXX, XXXX years later. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX/XXXX. 

Thus, after reviewing some of the past fraud XXXX is involved in, like in XXXX, for example, I am now complaining about HOUSING fraud, check no ONLINE and my position on the section XXXX wsitknbg LIST that never XXXX. 

Thank you XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX and XXXX hospital secretaries unions and even use fedral credit union employee are employees at the lake XXXX check no. 
And also as cashiers at XXXX XXXX Shopping Mall businesses, such as XXXX and XXXX, ETC. with intent to causes screaming and yelling and malfunction double swipe cyber ATM problems There was also truancy issues and juvenile detention arrest recently at LOCAL elementary charter school schools, XXXX and XXXX.
Consumer complaint received 2024-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NJ)

On XX/XX/year>, I initiated a wire from my XXXX at XXXX to another LLC at XXXX bank ( aka XXXX XXXX ). 

Later in the day XXXX, I initiated an ACH from my personal account at Ally to XXXX. 

Late on the XXXX, XXXX froze the account unilaterally and contacted my ex wife ( co-manager on the LLC ) with a number of document requests and questions regarding the transaction. All were answered. 

On or about XX/XX/XXXX, XXXX notified my co-manager that the XXXX was declined. I immediately contacted Ally to ascertain what happens in the event of an XXXX denial on the other end. I was informed that the funds would be back in the account, perfectly accessible, within normal ACH transfer timelines. 

XXXX XX/XX/XXXX I received an email noting that We want to let you know that we're unable to complete your transfer request. It's possible that there aren't enough funds in your account. As a security precaution, we've temporarily suspended your ability to request transfers on your Ally Bank, Checking ******xxxx account until the matter is resolved. 

I contacted Ally as soon as I saw it, was informed that transfers on the account were shut down, and that it'd be resolved in XXXX days. 

I contacted Ally again Sunday XX/XX/XXXX, and was again informed that it'd be XXXX days. 

I contacted Ally again XX/XX/XXXX, and was again informed that it'd be XXXX days. 

At no point has there been any satisfactory explanation as to : a ) why transfers on ALL the accounts, including my sons ' accounts for which I am XXXX, are shut down b ) why a third party account status has any effect on my personal bank account c ) why they are presuming some sort of legal action and therefore locking my funds from access d ) how they even expect to resolve this issue given the account freeze had to do with ANOTHER entity ( an LLC ) at ANOTHER BANK ( XXXX  ), and they have neither requested nor been given authorization to contact XXXX  with regard to that account or my LLC with that bank. 

After the returned XXXX is deposited, a total of approximately $ XXXX will be locked up, inaccessible, for reasons yet to be explained.
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CA)

There are several delinquent payments were inaccurately reported on my credit report when I was actually in deferment. I have initiated contact via several letters certified mail and via email for you to update my credit report to CRAs to show that the payments were not late and actually in deferment. I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 

Navient representatives told me that because the delinquent payments were accurately reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX that any subsequently initiated deferments would not allow for Navient to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *
Consumer complaint received 2024-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2018-06-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TX)

XXXX XXXX  XXXX has repeatedly changed and incorrectly presented false late payment dates on my vehicle loan for which reflects on my consumer reports. The dates were first XX/XX/XXXX, then XX/XX/XXXX and now XX/XX/XXXX ... whereas I've proven with bank statements proving I have never been 30 days late since last XX/XX/XXXX. All of which have been disputed and updated..yet the most recent disputed they changed from XX/XX/XXXX to XX/XX/XXXX. The accused late payment being reported is upon being in deferred agreement effective XX/XX/XXXX & XX/XX/XXXX, and payment was made within agreement. All of this has been documented with them and for my records. I have gone around and around and around with this institution and they can't get anything accurate. They have known my desire to refinance since this whole mess started in XX/XX/XXXX with late pays being reported and therefore making it impossible due to the gross negative & adverse reports being made to the bureaus making scores go down almost 40 pts on XXXX  just for late pay. Please please I request help in getting this rectified. Kindest Regards, XXXX XXXX
Consumer complaint received 2017-09-10
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. (LA)

I have been actively ATTEMPTING to have the incorrect information regarding my Student loans deleted from my credit report for entirely to long to no avail. I have contacted Transunion to get correct validated data several times and each time they only return saying they have verified the info. I know this is incorrect because the information they are reporting is not the same on every account. Although these student loans show up as four individual loans, they all should have the same payment information as I was making 1 payment and the company XXXX was dispursing the payments to each account equally. So for the loans to not all have the same information is false. To follow up once AGAIN, on XXXX XXXX, 2017, I mailed another letter stating that i expected Validated information showing my signatures on the deferment and forbearance paperwork showing the dates that the payments shouldve been included therefore NOT late. To this date I have not heard anything from Transunion regarding this matter. It is against FCRA law, to which they are legally bound, for them to knowingly report false unvalidated debts on a cosumers credit file. I also stated the penalty for such acts per section 617 of the Fair Credit Reporting Act for Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ).