davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Pinnacle Credit Services, LLC (WA)

i was never giving notice that the debt was in collection, until i pulled my credit and when i did i seen it and i also seen that they ran my credit twice..they are not allowed to run my credit twice, i called and asked why it was ran twice and the male asked me if i was in washington state told him i was and he said that he wasnt licensed to work in washington and i asked then why was it sent there and why my credit was ran twice and he refused to answer.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXXXX/XX/year> I received a letter from your company stating that the item I disputed has been up-dated with new information. Well, after carefully looking at my credit report, I dont see what has been updated, and I dont think that was the reason for my dispute. Im a bit confused here. Please tell me what has been updated? For example, has the balance on my account changed? Was the late payment indication on my account removed? What has been updated? If your company cant fully disclose what has been updated, then I need you to re-investigate the item that I disputed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Each day your company refuses to investigate the incorrect item is causing me stress. Im asking you for a second time to please investigate the negative accounts listed above.

I think 30 days should be long enough for your company to complete this investigation.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX had reported a late payment by mistake last XXXX or XXXX of 2016. They have worked with me and they can show I was on an in-school deferment during this period and should not have had a late payment on my credit report. XXXX and XXXX do not show this delinquent payment and they have corrected my credit report. Transunion REFUSES TO MAKE THE CORRECTION! They also refused to talk to the XXXX supervisor on XXXX on a conference call so he could verify the correction from his company. Transunion is purposely and intentionally damaging my credit report and they have caused me to have a higher interest rate on my car payment and I have been refused credit and a mortgage due to this intentional act that I want corrected immediately.
Consumer complaint received 2016-08-07
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical Data Systems, Inc. (NC)

I have asked Medical Data Systems to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (SC)

I have disputed this account time and time again submitting undisputable proof and only receiving the same results. This account is in violation of being deleted then place back on my report by changing the dates on the file. They are also only verifying the name and address with the grantor they are not taking into consideration the proof I have attached which shows that they made errors. The proof also show that the foreclosure was stopped by the courts and reconciled. Every account on my credit file is paid as agreed this account has hurt me tremendously.
Consumer complaint received 2016-12-07
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (FL)

Honda Financials for a leased vehicle confirmed that a payoff payment was received form a 3rd party and that they have validated and processed the payoff. They send me the payoff confirmation, lien release and title. I proceeded to hand over the vehicle to the buyer. 

Honda now tells me that payment was not realized and has opened my account back up again. the buyer has since disappeared and sold the car to a Honda dealer, who is now listing the car for a sale Honda takes NO Ownership and can not explain why they released title without confirming funds were received. I have no way to recover the money nor fight honda in court. the bill i have to pay exceed {$24000.00} How can a financial institution release title without confirming funds. Also they never reached out to me letting me know to hold the car back!
Consumer complaint received 2016-06-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

I was notified that my job was laying me off while on XXXX, I was not told that I need to sign documentation regarding my severance PRIOR to me taking a new job. Employer did not give me the severance package indicated in my emails. My house is now in foreclosure - I found a new job and I have the money that is currently owed on the loan but the legal fees is keeping me from reinstating my loan.
Consumer complaint received 2016-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Due to financial strain, I was forced to sell my home in XXXX under a short sale term. I paid the mortgage on the home till the end of escrow. In XXXX, things got a little better financially, and my family and I started to look for a home to buy. I found out then that there were many derogatory comments placed on my credit report due to the short sale. Comments like, " Account past due, under collection, late 120+days ''. These comments had a drastic impact on my ability to purchase a home. It took me 6+ month to clean up all of these negative inaccurate reports, and mainly with your help. I wrote many letters to the credit bureaus disputing the inaccurate information on my credit report just to go in circles. I learned about your services, and gave it a try. You guys assisted me with the up most professional talent. The derogatory comments were cleaned up from my credit report. I got confirmation from all Credit Bureaus as well as an apology letter from one of the creditors that had submitted such inaccurate information. Quickly after this, I was able to qualify for a home loan and my family and I were happy there after. You think, until few days ago. We get a lot of mail advertising better loan options. Last week, I contacted two mortgage companies to inquire on the different loan options. They ran my credit report, which I though I was in the A++ standards. To my surprise, TransUnion once again has posted same inaccurate information. I found out that my credit score with XXXX and XXXX is above XXXX, but with Transition is at XXXX. How can this be? I thought all of the negative comments were deleted back in XXXX. Last night, I went online to the TransUnion website and pulled up my report. Sure enough, this is what they have posted for the following account : XXXX - account # XXXX. Last payment date = XXXX ; This account has been closed since XXXX XXXX. Status = 120 days late ; I was never late paying any of the payments, and the account closed once escrow closed. 

Because of this, I 've been told by the XXXX mortgage companies that they can not move forward with any loan refinance. I 've back in the same boat as in XXXX. I have a copy of the confirmation from TransUnion dated XXXX/XXXX/XXXX showing the updated information. Now, I have wasted XXXX hard inquiries, spend {$29.00} to pull up my report from TransUnion, when all of this should not be an issue. I need your assistance to get this matter resolve. TransUnion is a bully company and when you deal with them they muscle you around and put you through circles. Americans are being taken advantage by these Credit Bureaus.
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been disputed XXXX with Transunion for a while now. They sent me the results stating that it came back verified. I requested that they provide me with a copy of their method of verification, they have not been able to do so. I contacted the alleged company myself and they did not receive any investigation request from Transunion. So how were they able to verify this alleged account?
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

I have noticed several items on my credit report that I do not recognize. It appears that someone XXXX have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2016-11-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY (AR)

I sent in XXXX checks to Wells Fargo Educational Financial Services. They only cashed XXXX check and when I called to ask about the status of XXXX check they were less than helpful. The first lady that i spoke to first blamed me for putting XXXX checks into the same envelope.Then after a few minutes of that blame-game, she blamed me saying that i sent the XXXX check to the wrong address ( which is impossible because they were XXXX in the SAME envelope ). I told her how they were XXXX in the same envelope and she continued to blame me. When i asked her how Wells Fargo was going to fix their error all she could respond was " I Do n't Know, maybe put a stop payment on your check and send in a new one TO THE CORRECT ADDRESS ''. So i ended the phone call with her and called my bank to start the process of doing a stop payment. Only problem is it is {$25.00} fee for a stop payment. It was upsetting that Wells Fargo wanted me to spend {$25.00} dollars because of their error, it was unacceptable. I called Wells Fargo back to speak to another representative about how the problem will be handled and if Wells Fargo does reimbursements for doing a stop payment.The second rep was a lady named XXXX, she could not find my check either. She then spoke to her manager and let me know that they have a " Mail opening machine '' and " It is not common, but also not unheard of that the machine will remove multiple checks, scan one in and then shred everything in the envelope, leaving no trace of the XXXX check ''. Which means that you have no way of proving to them that you made your payment on time or even early. I think it is very irresponsible of them to lose a check because they penalize and give late fees for their error. In the long run this could affect your credit score, the minimum payments remaining and just a terrible situation.
Consumer complaint received 2017-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

Late XXXX, I sent out a letter to Experian to dispute inaccurate reporting. In my letter I requested that all NON-ACCOUNT HOLDING INQUIRIES OVER 30 DAYS OLD BE REMOVED. Experian did not acknowledge this request.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OH)

In XX/XX/2016, I was notified that my rates would be changing as my IDR was expiring in XX/XX/XXXX ( even though I applied/was approved on XX/XX/2016. I figured I would take the time to reapply anyway as to be ahead of the curve and not have to deal with any issues last minute. I received notice from Navient on the XX/XX/2016, via email stating " Your IDR renewal has been approved. '' The email went on to say " We 'll send you notification advising you of your new payment amount after your current plan expires on XX/XX/2016. '' I have yet to receive any sort of email notifying me of such, and upon logging onto their website today for tax purposes have noticed starting next month I have a payment amount of $ XXXX/month which needless to say, I ca n't afford, hence, why I applied for the IDR. As far as I can tell, no actions have been taken on their behalf to uphold my renewal, and I am still in the original IDR that was put into effect on XX/XX/2016.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002. 142 ( b ) ( 4 ) -5- - 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022. 142 ( b ) ( 6 ).
Consumer complaint received 2016-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

In XXXX were solicited by XXXX Representative to refinance our home. Loan closed XXXX. 
1. XXXX or XXXX XXXX sold my loan to XXXX XXXX 2. Applied for modification XXXX Received approval XXXX was instructed to wait for papers. 
3. XXXX XXXX XXXX filed Lis Pendens/Forclosure 4. XXXX We offered XXXX to bring loan up to date with a large lump sum payment. BA refused to accept OR reject offer. Refused to make a decision at the Corporate President office level. BA did not want a resolution, XXXX wanted our house. 
5. Spouse did not sign loan docs as required by FL homestead law. Entered motion to dismiss mortgage and foreclosure based upon FL law, still pending. 
6. XXXX XXXX sold their interest to BayView Loan Services that removed XXXX from pending lawsuit/forclosure proceedings and our motions against XXXX. 
7. XXXX to XXXX At not time has XXXX acted in good faith toward any form of equitable resolution. By way of example, see # 4 and # 5 above. 
8. XXXX XXXX sold their position to BayView Loan Serviced in XXXX. BV started by grossly overstating our loan balance. 
9. XXXX In XXXX place ( but not entirely we hope ) comes the new and continuing battle with BayView ... ... ... ... to be agressively investigated by CFPB we pray. 
With your help WE WILL NOT GIVE UP.
Consumer complaint received 2024-08-29
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: Experian Information Solutions Inc. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (HI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account NumberXXXX and list of Inquiries. 

15 U.S.C 1681 section 602 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-04-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I used Transunion 's web site on XXXX XXXX, 2016 to get my credit report. They asked me to create an account and in the process to provide them XXXX credit card 's full details. I thought it was for the purpose of establishing my identity. 
As it turns out they charged the card {$1.00} for a service that I was not aware I was getting. NOWHERE did I see any message indicating that there will be a charge of any sort. I was basically charged without me being aware that there is any charge. This is outrageous and a deceptive practice. 

I called them to complain and they said " no refund ''. I ended up disputing the transaction with the credit card company. 

On a side note : If I legally deserve a free credit card report once a year, is there a reason why a clear way to get it is not provided on their web site?
Consumer complaint received 2016-11-02
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (NY)

I have disputed XXXX accounts that SYNBC has been reporting to the credit bureaus and SYNBC violated the law on both accounts as explained in attached letters. 

I am making a goodwill attempt to have this worked out without any monetary compensation. If SYNBC does n't take care of it in to my satisfaction in a timely manner i will sue them in small claims court near me and they will need to pay me for damages.
Consumer complaint received 2017-01-24
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

This property has been under contract since XXXX XXXX, 2016. Select Portfolio Servicing is the second lien holder. The first lien holder XXXX XXXX has approved the short sell and is granting the second lien holder {$6000.00}. 

The first lienholders short sell approval will expire on XXXX XXXX. SPS is dragging the process out and it appears that every 30 days they are asking for the same document over and over again to prolong the process. We have sent the letter of authorization at least four times and they have requested it again yesterday asking to include the listing agent 's name. Any other lender would 've asked for this to be included back in XXXX when the property went under contract. 

Can you please assist in making SPS escalate this file? As stated above the first lienholders approval will expire on XXXX XXXX, 2016. We have asked for an extension and hopefully this will be granted that the closing must take place on or before XXXX XXXX, 2016. Thank you for your assistance with this matter.
Consumer complaint received 2016-11-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OR)

We had a garage fire XX/XX/2014. At the time of the fire the home was in foreclosure. Damage over 5k and the insurance company makes the check out to the homeowner and the lender. We were told if we signed the check over to the lender and had a licensed bonded contractor while in foreclosure they would release funds, in three payments. The contractor stole our money. The lender told us that once the loan modification was done they would release the funds directly to us and now they wo n't give us our money. We want to sub contract out and allocate the funds ourselves. It is my money and they wo n't release it without a new contractor. For obvious reasons, we do n't trust contractors and ocwen wo n't give me my money back.