davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-12-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CO)

I received notification of my Income Based Repayment Plan was coming due for renewal. I submitted my information and my husbands on XX/XX/2016. I received an email on XXXX XXXX from Navient that they had received my information and nothing else was need from me. I called the company on XXXX XXXX, 2016 because a payment of approximately {$490.00}, ( {$210.00} is my normal payment amount ), was pending on my bank account Navient informed me that my Income Based Repayment Plan renewal was pended on the XXXX because it was too close to my automatic withdrawal date for them to process the application. I did not receive any type of notification regarding this. If I had I would have contacted the company prior to XXXX XXXX. Navient suggested I contact my bank to put a hold on the pending payment. However this would disrupt my loan forgiveness program as well as continue to pend my renewal application. The other complaint I have regarding this process is, Navient sent information to me via a " company '' inbox on an " old '' website which I had no knowledge of until they shared with me how to access that information. Navient had sent information regarding the due date of my renewal application and additional information to the inbox. My regular e-mail which is listed under the paperless billing and information is not part of the Navient " inbox '' and therefore I did not receive any information on the renewal application or due dates.
Consumer complaint received 2016-10-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AR)

Wells Fargo has once again refused to respond to my request for information. I have requested information on the number of home foreclosed in the past two years, the census tract where they are located and the approximated value of the homes. 2. I have requested information on the reason Wells Fargo would not accept my reinstatement documentation on the day of the sale.
Consumer complaint received 2016-10-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (GA)

My loan was transferred to Nations Star Mortgage from XXXX XXXX XXXX I believe in XXXX. XXXX XXXX XXXX was involved in a lot of predatory lending complaints and issues when it sold my 80 % loan to Nations Star Mortgage. I was told by various representatives when I call them over the phone in XXXX not to worry about a company called XXXX who supposedly bought the 20 % Loan from XXXX in XXXX, but in actuality, my XXXX loan was modified and approved through XXXX XXXX XXXX XXXX and I have written proof and the approved loan docs stating that the modification was approved and all documents were received by XXXX XXXX in XXXX and that the 20 % Loan was written off, and that I was no longer responsible for it. I still have XXXX documents from XXXX XXXX ( this mortgage lender is known for misconduct with their previous loans for the XXXX XXXX XXXX and is no longer in business ) stating that I was only responsible for the 80 % loan of $ XXXX. So from XXXX until present, I have been paying my mortgage on time to Nations Star Mortgage. From XXXX until XXXX, I have never been asked to pay this $ XXXX that XXXX XXXX XXXX is saying I owe all of a sudden, nor was aware that I was still responsible for this amount when I have a letter stating that amount was written off from XXXX in XXXX. 
So when I contacted nations star mortgage and made them aware that I have rented out the house in XXXX after I got married, I started to receive letters and notices of XXXX XXXX XXXX trying to foreclose on my rental property. I was shocked and confused to say the least. I have raised my family in that home since XXXX when I first bought that home, and was saving this home for my children and their children. 
When I called Nations Star various times to confirm or to see if this XXXX XXXX XXXX XXXX reached out to them, they said that they have NOT and NOT TO WORRY ABOUT THEM, THAT THEY COULD NOT FORECLOSE ON MY PROPERTY! 
There were various times and I know that the calls were recorded and that there were documentations of my conversations, and now the second bank has foreclosed on the property, Nations Star mortgage is n't doing much to help me or try to give me more time to hire an attorney and get this figured out. I am 3 months behind on the mortgage because the tenants are n't paying me rent anymore, and are paying XXXX XXXX XXXX rent on a $ XXXX home and my tenants are under the impression that they are paying on a {$40.00} foreclosed lien on my property at XXXX XXXX XXXX XXXX, GA XXXX. 
I was extremely shocked that this has happened and I really need some assistance with nations star mortgage.
Consumer complaint received 2016-10-26
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: KEYCORP (IN)

In XXXX, 2016, I was contacted by XXXX and offered me to rent my time share weeks from my XXXX in XXXX. After they made a very attractive financial offer of {$70000.00} dollars, I accepted and signed a contract. In the contract, I agreed to pay in advance,. {$16000.00} for the usage/maintenance fees. After I called the XXXX to clarify about this advanced payment, I told them that I did n't have this money. They told me that if I did n't have the money I would sued for breech of contract. After feeling intimidated, I wired them {$8500.00}. They told me that I needed to send them the rest of the money or else I would be sued by their lawyers and I would have to pay a penalty of 10 % of the total amount offered for 18 weeks of rental of my time share that I originally agreed to rent. 
I recalled my wired money through my bank after I suspected fraud. After almost four weeks, I am not able to get my money back.
Consumer complaint received 2023-01-21
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 had an account, that I have disputed multiple times with XXXX XXXX and the late payment they are inaccurately reporting on both of my accounts and continue to reflect on my credit report. Although it was assigned to someone who was supposed to investigate further after I filed a XXXX report, they never corrected the late payment on my report. On XX/XX/21, I made a payment of XXXX, which took care of the amount due for XXXX on account ending in XXXX and XXXX on that same date for account ending in XXXX. The month of XXXX, I was switching bank accounts, which cost me to not be able to make payments for that month. I did not make another payment until XX/XX/XXXX for both of those accounts, which were paid in full, however would have caused me to be more than 30 days late for the month of XXXX and not yet for the month of XXXX. The due dates for XXXX was XX/XX/XXXX and XX/XX/XXXX. 
I was more than 30 days late for the month of XXXX and only about 12 days late for the month of XXXX. By federal law, a late payment can not be reported to the credit reporting bureaus until it is at least 30 days past due for the month being reported as late. I have disputed it with all the bureaus and rather than do the right thing, they are continuing to validate the inaccuracy as 30 days late for XXXX to MALICIOUSLY cause harm to my credit, rather than reflecting the true status of the account. Since XXXX XXXX  is refusing to report accurately I would like this tradeline removed from ALL of my credit reports before my only option left is to engage not only the State Attorney General, but a FCRA attorney. IF they decide they would like to keep reporting GROSSLY INACCURATE information.
Consumer complaint received 2016-07-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (NC)

I am currently in Chapter XXXX bankruptcy with the XXXX North Carolina Bankruptcy Court. My car loan for the XXXX XXXX XXXX is included in the Chapter XXXX. However, the value is the car is in its current condition and millage ( the care XXXX miles ) is valued at {$3400.00} according to XXXX. I like to settle-in-full with Santander Consumer credit for the current value of the car and have the title/lien released. It is not worth {$10000.00} nor it is work the {$7500.00} that is listed on the Chapter XXXX filing. The millage and the accident the car was involved in ( back in XXXX ) has greatly reduced the value of the car.
Consumer complaint received 2023-01-21
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)

I have provided Transunion as well as XXXX & XXXX collections with all proper documentation and requested validation of the debt and still have not gotten any information besides a bill and amount. I keep being told that that's all they have and by Transunion they keep saying that XXXX & XXXX is just sending a electronic response that the debt is validated with no documentation -- - I have also provided my FTC report for fraud and they still will not comply This is a violation of FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards. By the provision of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that the above-mentioned derogatory item be investigated and removed permanently from my report. 
I await your reply with the above requested proof. Upon reviewing it as this is my XXXX request for validation without any response I recently received a copy of my credit report and found that you are illegally reporting inaccurate noncompliant, and false information about me, the following alleged account listed as a collection with a PAST DUE BALANCE OF {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, Michigan XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX This has been sent XXXX different times to both companies. 

I recently received a copy of my credit report and found that you are illegally reporting inaccurate noncompliant, and false information about me, the following alleged account listed as a collection with a PAST DUE BALANCE OF {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, Michigan XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-21
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. (VA)

I told the credit bureaus XXXX, Transunion, and XXXX to " investigate every piece of information '' on the accounts I have listed below and make sure accounts in every single piece on the accounts information is 100 % accurate and no mistakes. If there are any mistakes or inaccuracies please delete all accounts listed below. According to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, They stated my account were verified but how is that possible?, if they did not do a proper investigation according to the law of the FCRA. There was not a proper investigation done According to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. XXXX, Transunion, and XXXX did not have personal interviews with neighbors, friends, Or associates, according to the FCRA a complete investigation was not done. XXXX, Transunion and XXXX has violated my rights several times my rights and the FCRA. The accounts listed below has inaccurate information. The account names below listed is inaccurate, The payment history listed below is inaccurate, The dates and times of accounts listed below is inaccurate, Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate, and if not it has to be removed and deleted. XXXX, Transunion, and XXXX has not did not do proper investigation and now XXXX, Transunion, and XXXX is in violation of FCRA Accounts : : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Transunion, and XXXX has violated my rights several times XXXX, Transunion, and XXXX has violated the laws of The FCRA
Consumer complaint received 2023-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2016-05-24
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I send a check like normally to pay my rent and the check was cashed in by someone else instead of the landlord. I had called my landlord and explain what happen and they do n't consider the problem and are charging us XXXX legal fees and late fees. I 've talked to the bank serval times already and they keep telling me the same thing over and over again that the investigation is still undergoing. This process has been over a few months now and nothing has happen about that check or a refund from the bank to pay the landlord for rent.
Consumer complaint received 2016-10-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

My mortgage loan is currently serviced by Wells Fargo. Wells Fargo has refused to complete the modification underwriting process through HAMP ( exhibit A ). Wells Fargo has advised that there is a split security interest on this loan with XXXX. Regardless of the security interest split, per the National Mortgage Settlement of XX/XX/XXXX, Wells Fargo is required to process all loan modification requests through HAMP. Ultimately, Wells Fargo must proceed with the loan modification waterfall process and use the standard DTI threshold of XXXX % in order to figure the proper monthly payment. Per the loan modification that Wells Fargo executed XX/XX/XXXX ( exhibit B ), the payment was set at {$1600.00} interest only payment and {$1900.00} total payment with escrow. This particular loan modification is predatory in nature since the DTI equals nearly XXXX %, which is way beyond the XXXX % threshold. Regardless if this loan modification was structured under HAMP or an in house proprietary modification, RESPA laws were violated due to the predatory lending actions. I have also been approved for CA Hardest Hit Funds to bring my account current, which Wells Fargo declined to accept. Had Wells Fargo accepted the funds, I would not be in the current foreclosure positon I am in today. Wells Fargo has implemented a foreclosure sale date of XX/XX/XXXX ( exhibit C ), even though they have been negligent in following the laws within the CA Home Owners Bill of Rights ( CHOBR ). The CHOBR has been violated on XXXX distinct levels. One, Wells Fargo never assigned single point of contact that processed the loan modification from start to finish. Two, Wells Fargo will not process the current loan modification application submitted, citing that previous denials will not allow for re-entry into the loan mod process. Three, Wells Fargo, has not halted sale date activity when formal appeals were filed in the past. Since Wells Fargo has violated RESPA and CHOBR law on many levels, I am seeking your assistance on this matter. You can reach me direct via email at XXXXXXXXXXXX
Consumer complaint received 2016-06-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (VA)

I was contacted about a debt related to a XXXX account some time ago by ERC. I called them back and spoke with a representative who after taking down my name and address and asking a few other questions determined the debt was not mine because I had never lived at the address that was associated with the debt. He also told me that they were reaching out to every XXXX XXXX and I was the only one that had responded up to that point. He told me that he would disassociate the debt with me. Within the last month, I ran a credit report and saw that this debt collection was on my report so I filed a dispute. XXXX said the debt was associated with me and told me to contact the debt collector. When I contacted ERC, they told me the debt was mine and that the address associated with the debt was my current address. My complaint has XXXX parts. First, the debt is not mine and I would like it removed from my record. Second, I am reporting ERC for requesting my address and then associating it with the debt account after telling me that the debt was not mine. The address which was originally associated when I was first contacted is not the address they now are saying it is. If I had not given them my current address the address on the debt would not show my current address.
Consumer complaint received 2016-10-25
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

wells fargo bank merchant services opened a account on XX/XX/2014 since then the have been taking XXXX a month from my account automatic for the fees we called them on XX/XX/2014 to let them know we wanted to cancel not open the account. We also send a letter stating the same copy in file the he have being trying to resolve this from day XXXX wells fargo has done nothing but keep charging the XXXX monthly fee and almost always charging a XXXX dollar fee also this action from wells fargo is also affecting other transactions also causing a fee of almost XXXX for each item average of XXXX a month Wells fargo has done nothing but to charge the monthly payment and fees looking to get this resolved asap thanks for your help.
Consumer complaint received 2016-09-13
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (IL)

We have a home equity loan with Wells Fargo, a 15 year with a balloon payment at the end of the term. We have been making extra payments on a monthly basis to pay off our loan early. We have never missed a payment on this loan. In our amortization schedule the payment is mostly interest and a small portion to principal. How they have been applying our payments during the XXXX calendar year and early part of XXXX do n't appear accurate or consistent. For example, we have been paying approximately {$600.00} - {$700.00} a month when the payment amount is approximately {$410.00}. Some months they were applying more of that payment to the interest than principal in other months they have applied nothing to principal or interest. If I look on their website, in XXXX it looks like I only made XXXX payments, however, when I look at my account that the payments are coming out of, I can see that I 've made XXXX. Additionally, there were months where we would get a statement from XXXX stating that we did n't have to make a payment for the upcoming month and that the additional payments would go to principal.
Consumer complaint received 2016-12-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion is reporting XXXX XXXX XXXX XXXX on my credit report and the account is being reported inaccurately. I 'm a victim of identity theft and they make me speak to a special department whereas they do n't take the time out to investigate the information that 's provided to them. I was told by XXXX that I have a mix file with a person that has a similar name as mine or address, they found it was n't mine and removed the negative account from my profile.This company also tells XXXX that it was included in a bankruptcy but I never filed a bankruptcy. Every time I try to explain this to TransUnion I get push back stating that it 's verified. The million dollar question is how are they verifying it with you as they 're stating with another bureau that it 's XXXX balance and is in a bankruptcy that does n't exist. Please find I 'm enclosing evidence that supports my claim.
Consumer complaint received 2023-01-21
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. (MO)

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$270.00} ; XXXX  XXXX Balance : {$20000.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2023-01-21
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. (NJ)

DO NOT CLOSE THIS COMPLAINT FOR ANY REASON IM TIRED OF GETTING MY COMPLAINTS CLOSED FOR NO REASON. I am making this complaint myself. about accounts that do not belong to me that the credit bureaus have ignored my letters that ive sent in.