davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-07
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. (GA)

On XX/XX/XXXX I sent a certified letter to XXXX XXXX asking them to prove to me that the XXXX account for $ {$3900.00} belongs to me since it was verified through Transunion that this was my account. I did n't receive a response so I sent another letter to Transunion disputing the account on XX/XX/XXXX with proof showing that this account did not belong to me. They still sent back a letter saying verified. I sent a final attempt letter with proof again on XX/XX/XXXX to resolve this issue to Transunion and once again they sent back that the account was verified.
Consumer complaint received 2017-06-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Servicing Corporation (CA)

Allied Servicing Corp., whose address is XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX, has published a Notice of Trustee 's Sale thru XXXX XXXX XXXX XXXX XXXX ( XXXX ), whose address is XXXX XXXX XXXX, XXXX, CA XXXX, advertising that my property is scheduled to be sold at a public sale scheduled for XXXX XXXX XXXX at XXXX XXXX, at the City Hall in XXXX, CA. Please address the following : 1.  Allied Servicing Corp. claims that it is the Appointed Trustee of an alleged mortgage loan with former XXXX XXXX XXXX, which later changed its name to XXXX XXXX. I have verified with XXXX that my mortgage is not under default. Please stop the Notice of Trustees Sale. 2. Allied Servicing Corp. is demanding an immediate payment of more than {$30000.00} to bring the loan up to date, and offering refinance option for the remaining {$250000.00}, which has no basis since the loan has been charged off by XXXX XXXX. 3. Allied Servicing Corp. and XXXX has advertised the property for pre-foreclosure in the XXXX XXXX XXXX and XXXX, causing a lot of unsolicited refinance and foreclosure mails, and even unfamiliar people posting foreclosure notes at my front door.
Consumer complaint received 2018-04-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

i had flex payments with XXXX credit card. i made a payment of $ XXXX {$160.00} in XX/XX/16 and due to the way flex pay is reported i thought i was paying my card in full.so when i was contacted two months later about being behind on payments i explained to them that i paid my account in full. and i dont owe a balance on this account, and that's when i was told i cant just pay off the complete charges unless i called the bank that's providing the credit on their behalf and ask them for a payoff amount. After the explanation i made my past due and current payment. then the next month i get a call that im past due again. i responded that i just paid my past due and the present due payments. They told me how the payments were allocated. then told me im past due and my next payment is due in 2 days so i asked how much the both payments so i can once more be current. i paid the amount that i was instructed that would bring me current. Next thing i know the following month my credit score dropped 30-40 points for the second time because they reported that i was 30 days past due again.so when i reached out to the creditor i was told if i didnt make sure that pay payments were not current its my fault not the customer associate that im getting the information from i disputed to them directly and they refused to help me on this matter. i explained to them that i have a perfect payment history with them and with other creditors. that im working on purchasing a home and my score has dropped over 70pts because of the two confusing times when to my knowledge i didn't owe a payment. i just need to get this off my report 18 months later and its still holding me back. The sad part is that they admitted to me that others have had the same problem with flex pay thinking that they were paid off and because of the way its billed thery were confused. and really still owed money.that alone should of giving me the benefit of the doubt. before that all my payments were on time if not ahead of time. please help or advise me on how to get my record cleared up. thank you
Consumer complaint received 2018-04-01
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. (TN)

The following information XXXX is reporting on my credit report is false and inaccurate. 

1. On XX/XX/XXXX all three Credit Reporting Agencies report that my Navient account # XXXXwas OPEN and OK. 

2. Suddenly, on XX/XX/XXXX XXXX is showing the same Navient account # XXXX as DEROGATORY, PAYMENT PLAN, CHAPTER XXXX, WAGE EARNER PLAN. 

3. What happened over 5 days? 

4. My Chapter XXXX was discharged on XX/XX/XXXX. 

5. Navient was paid {$150000.00}. 

6. My Navient account is current with a balance of {$29000.00}.
Consumer complaint received 2018-04-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On Monday, XX/XX/2018 I went to go finance a XXXX XXXX through Capital One at XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I want to file a complaint against XXXX XXXX XXXX because the financial representative stated that my rate would be 1 % higher if gap insurance wasn't taken. I was pressured into taking the gap insurance. After contacting Capital One the following day, I was advised that my rate would've been the same without gap insurance. XXXX XXXX used unethical sales tactics and blatantly provided incorrect information to intimidate me and force me to accept the gap insurance. By accepting this gap insurance, I increased my loan-to-value and my amount financed which adversely affected the amount of interest that I pay over the life of the loan and my monthly payment. Gap insurance is optional and could've been obtained outside of the dealership. This is a violation of TILA. Consumers shouldn't be pressured with false information to obtain a product or service that they may or may not want. I attempted to resolve this issue the following day by contacting the general manager at XXXX XXXX. The conversation ended in him telling me that I needed gap insurance. Nothing has been done to resolve my amount financed or interest rate which should be lower than it is. I would like XXXX XXXX XXXX to be investigated for violating consumer financial protection laws. Georgia residents need to be protected.
Consumer complaint received 2017-06-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

There 's a few things XXXX XXXX/ Navient has done to make paying off my student loans more difficult, and I think try to scam me out of more money. In XXXX I set up Auto payment to be paid on the same day of the month each month. On a regular basis they would change the date, often advancing it without notifying me. If I ever paid off more than was due, they would not notify me that it was just going against the compounded interest, not principle. After years of paying on time, not missing a payment, my interest rates are going up, and higher than the us market rates are going up, .5 % as opposed to .25 %. I 've paid over {$50000.00} in student loan interest and only {$25000.00} in principle, maybe. The fact that it 's compounded the way it is, I may just be reaching my principle. They will not work with me on changing interest rates, or any kind of settlement that will allow me to get a chunk of principle dept paid off. They 're just trying to keep me in debt for the rest of my life so they can make XXXX off a XXXX loan I took out. I think I 've been scammed.
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have a number of inquiries on my report from when I purchase my vehicle in XXXX of 2017 I asked the Dealer to send this information to ONE place not multiple, in addition I have a bankruptcy on my credit report that I NEVER filed for, I have never had enough debt for a Bankruptcy.Lastly My Correct Name and Address is as follows XXXX XXXX ( I have never gone by anything else ) XXXX XXXX XXXX XXXX XXXX XXXX! Is my ONLY address
Consumer complaint received 2018-04-01
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. (TN)

The following information TransUnion is reporting on my credit report is false and inaccurate. 

1. On XX/XX/XXXX all three Credit Reporting Agencies report that my XXXX account # XXXXwas OPEN and OK. 

2. Suddenly, on XX/XX/XXXX TransUnion is showing the same XXXX  account # XXXX as DEROGATORY, PAYMENT PLAN, CHAPTER XXXX, WAGE EARNER PLAN. 

3. What happened over 5 days? 

4. My Chapter XXXX was discharged on XX/XX/XXXX. 

5. XXXX was paid {$150000.00}. 

6. My XXXX account is current with a balance of {$29000.00}.
Consumer complaint received 2018-04-01
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. (CA)

We were in a chapterXXXX starting in XXXX. When BK started we were 30 days late with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) ( act # XXXX mortgage ) the trustee was to put the payment in arrears, however after the BK was discharged we reviewed the BK with our attorney and were informed it was not paid he recommended we pay it ASAP so we did. We were never charged a late fee either. XXXX XXXX XXXX was not reporting to the credit bureau 's ( I'm informed that it part of a chapter XXXX ) XXXX XXXX XXXX started reporting to the credit bureau 's XX/XX/XXXX and started the report with a 30 day late. I have disputed the derogatory report to the credit bureaus through XXXX XXXX and have not yet received a response as to a decision ( 90 days since reporting ) XXXX XXXX XXXX has acknowledged a dispute has been filed but representatives say they can not remove the report at their level. I am trying to refi this loan to go forward but can not due to their report. I would like the derogatory mark removed the loan is current and I pay it on the XXXX of every month when it is due on the first ( technically paid before due ). I believe they should not ding my credit for late when they did not even charge a late fee, that implies to me the chapter XXXX rules dictate they should not even be reporting. Please help!!!
Consumer complaint received 2018-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On or about XX/XX/XXXX, I requested an annual credit report from the 3 major credit reporting agencies, ( XXXX, XXXX, Trans Union ). Each one of them issued a report that is incomplete with many years of payment data missing on accounts that remain open and active.

The account information is as follows : XXXX  : XXXX 1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
XXXX : XXXX 1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
Trans Union : XXXX  1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
NOTE : The 1st and 2nd mortgage was sold or transferred from XXXX to the current mortgage holder known as XXXX XXXX XXXX, ( Currently doing business as XXXX XXXX ), in  XXXX. This mortgage company does not show up on any of the reporting data at all. 

I tried to file disputes with each one of the reporting agencies and was only successful with one, ( Trans Union ), but they rejected my complaint with an attached comment that read, ( Our records show that the information you disputed does not currently appear on your TransUnion credit report ). I already new that and I was specific that I was disputing the missing credit reporting information. The other companies made it as difficult as possible to submit a dispute by timing out the sessions before I was able to complete the information, asking for incredible amounts of information, forcing me to sign up for an account, etc.

I also contacted my current mortgage company, ( XXXX XXXX ), informing them my 1st and 2nd mortgage payments made to their company are not showing up in any of the 3 major credit reporting agencies. They verbally told me that they have launched an internal investigation to correct this problem but it has been over 3 weeks now and I have not heard a word from anyone at the company as to the status of this supposed internal investigation. 

My wife and I are currently retired and living on a fixed income. This situation has placed an undue financial burden on us in the form of increased costs of home and automobile insurance premiums, preventing us from taking advantage of any refinancing and/or paying off of our high interest loans, being turned down for any type of credit due to lack of credit history reporting, etc.
Consumer complaint received 2018-07-20
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC. (GA)

To whom this may concern I XXXX XXXX feel I wasn't treated fairly at my Closing .XX/XX/2017 I purchased a home for XXXX I was granted Ga DREAM XXXX the seller gave me 3 %, EARNEST MONEY, APPRAISAL, XXXX XXXX XXXX XXXX XXXX Realtor XXXX I paid on my closing date. Closing lasted 4 hours my folder wasn't right numbers didn't add up everyone at the attorney office was aggravated it was very unprofessional and embarrasing
Consumer complaint received 2018-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

Experian will not allow for " identity documents '' to be uploaded to verify identity to obtain a FREE ANNUAL CREDIT REPORT via " XXXX ''. Getting through to a human being at " Experian '' is IMPOSSIBLE!
Consumer complaint received 2018-04-01
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: Santander Consumer USA Holdings Inc. (VA)

I have been working tirelessly to get items removed off my report because I was a victim of all my data being stolen off the OPM database ( I was a federal employee ). However this item is of a different circumstance. XXXX XXXX XXXX XXXX is trying to collect a debt for Santander CO in the amount of XXXX I purchased a XX/XX/XXXX XXXX from XXXX XXXX in XX/XX/XXXX and financed it through Santander but I only had the car in my possession for less than 60 days as the car engine was making a knocking noise and the transmission was not shifting properly. I took the car back to XXXX XXXX and they put me in another car, XX/XX/XXXX XXXX XXXX but because it was past the 30 days they had to roll in the negative equity of {$4900.00} for the XXXX into my new loan with XXXX XXXX XXXX. Needless to say I was furious but I had no choice because my daily commute was long and I needed a reliable car. 

I have contacted XXXX XXXX and spoke with the Finance Manager and he told me that I absolutely DO NOT OWE this debt to Santander because they were paid when I financed the XXXX. Unfortunately, he could not find the sales order for the XXXX because they have changed systems since XX/XX/XXXX. 

I believe this is nothing short of a CRIMINAL ACT by both XXXX XXXX XXXX and Santander as they are trying to collect a debt they have already been paid on and have ruined my credit in the meantime! 

I am desperate to get some assistance with helping me get this item removed from my XXXX   credit report ( it is not showing on XXXX or XXXX ) as it is a large amount ( XXXX ) and it is seriously affecting my credit score. I feel I have done all the right things to get this removed but I am being ignored.
Consumer complaint received 2018-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (GA)

I had previously had my home phone disconnected due to non payment. I paid XXXX XXXX directly and they reconnected my phone, The collection agency they had turned it over too reported it to all collection bureaus. I have sent them notification that this was paid and if I had not paid it I would not currently have phone service. I have sent numerous letters by mail including certified mail, emails and made phone calls to dispute this. They have still not removed from my credit file. 


XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$230.00} Original creditor : XXXX XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX  XXXX RESURGENT CAPITAL SERVICES XXXX XXXX XXXXXXXX XXXX, SC XXXX ( XXXX ) XXXX I do not know what else to do. Can you please look into this.
Consumer complaint received 2018-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TX)

Potential Bait and Switch by American Express : American Express sent me a mailer offering XXXX Delta mileage points if I spent {$3000.00} within 3 or 4 months. I agreed to that offer, spent the {$3000.00}, and then did not receive that XXXX points. I contacted American Express, which then told me that I did not qualify for that offer, after the fact that I met my part of the contract. American Express then stated they would " look into it '' and expect an answer in 6 to 8 weeks. Of course no contact from American Express. 3 months later I again contacted them, and again the answer that " since I had a card from them 2 years prior '' that I did not qualify. ( Then why send me the offer?! ) My apologies to bother you with this. 
Those XXXX points can be worth up to {$1700.00} or so in air travel, so this is significant. 
My request is that they award the XXXX miles as they offered. 

Lastly, I recommend that the Federal Trade Commission and the CFPB make it a requirement that these kind of offers be clearly part of the credit card application process, that shows that a consumer " qualifies for their bonus or not '' at the time of the application ... .if not, then the consumer will not be misled and will go elsewhere for their business. These corporations should not be able to make an such an offer, then " we 'll look into whether you qualify for the bonus or not after '' switch after ... Is that a " bait and switch or some other illegal or unethical practice? ''
Consumer complaint received 2018-01-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TD BANK US HOLDING COMPANY (NY)

I had a TD checking account that had a {$2500.00} minimum balance to avoid monthly fees. I am a XXXX in college and studying in the XXXX. Before I left for college in XXXX 2017, I converted my account to a basic account so I could take my money with me to college. I left a small balance ( {$25.00} ) in the account to keep it open. When I returned to NY in XXXX I learned that my account had been charged {$15.00} per month for four months and then the negative balance of {$35.00} written off and the account closed. When I went into a branch, the representative told me I should have changed the account to a student account which has no minimums rather than a convenience account that has {$100.00} minimum. I was not told of this option when I converted my account in XXXX. I would like to have these four {$15.00} fees waived and my account reinstated.
Consumer complaint received 2018-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

i am a victim of identity fraud. There are several accounts in my name that I have no knowledge of whatsoever. The accounts reported as 33 different accounts and are as listed : XXXX XXXX XXXX {$9900.00} open XX/XX/XXXX ; XXXX XXXX  {$6600.00} XX/XX/XXXX ; XXXX XXXX XXXX {$3500.00} XX/XX/XXXX ... there are several accounts reporting from XXXX XXXX XXXX/XXXX from the year of XX/XX/XXXX-XX/XX/XXXX. By law and statue of limitations, these accounts should not be reporting to my credit after 7 years. There are also several accounts reporting to my credit from XXXX XXXX XXXX/XXXX in amounts of {$2500.00}, {$3500.00}, and more. All accounts from this company are reporting from the years of XX/XX/XXXX-XX/XX/XXXX which  also defied the statue of limitations for debt collection reporting. There are accounts reporting from XXXX XXXX  from XX/XX/XXXX which should not be reporting. State of MI Office XXXX in the amount of {$6300.00}, this is a fraudulent account open XX/XX/XXXX. Theres a fraudulent Auto Loan opened from XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$31000.00}. There are multiple accounts reporting from XXXX XXXX XXXX XXXX /XXXX/XXXX opened in XX/XX/XXXX that also break the SOL.
Consumer complaint received 2018-07-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Louisiana Recovery Services Inc. (LA)

LOUISIANA RECOVERY SERVIce,XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , LA XXXX says that I owe them {$56.00}. I believe I do not owe such debt because at the time of my service I had insurance in which they did collect some of the money from the dental claim. However my insurance covered everything. I do not understand. I want some details on such claim. 
Thanks in advance
Consumer complaint received 2018-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX