davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Just some history : My wife XXXX and I purchased our home in XXXX XX/XX/XXXX and my mortgage company was XXXX XXXX which then sold the loan to Specialized Loan Servicing, LLC, ( SLS ). At that time we where residents of Vermont and we spent the seasons in XXXX. XXXX XXXX XXXX on XX/XX/XXXX from XXXX. I sold my house in Vermont on XX/XX/XXXX and moved to XXXX. XXXX estate had been long settled and all our banks account where closed and I presently do all my banking XXXX. 

In XX/XX/XXXX I refinanced my mortgage with XXXX XXXX  and in XX/XX/XXXX SLS sent me a check for {$860.00} to close out my mortgage. However the check was made out to my self and XXXX. I called SLS and explained to SLS my wife had passed way and I couldnt cash the check. I also reminded SLS on XX/XX/XXXX I sent them a letter stating XXXX died along with a copy of the Death Certificate. SLS agreed they had a Death Certificate but SLS said SLS had to make the check out to both of us. After constantly explaining to them my wife estate was settled and I had no joint account. SLS finely send me to a person that could help, that person said to send a letter explaining the issue and SLS would send another check made out to me only. I typed a letter XX/XX/XXXX mailed it to SLS. I called again on XX/XX/XXXX and spoke XXXX ; he informed me they never received the letter. XXXX gave me a fax number and I faxed a copy the same letter I mailed early. I have a copy of the fax and the transmission verification report. I have called SLS on XX/XX/XXXX and was told the check was in approval process. On the XX/XX/XXXX I called to see if the check was released. I was told I should have the have the check by XX/XX/XXXX, never happened. I called again on XX/XX/XXXX. This time I was told to check has been approved, but not issued. I asked to have a manager to call ; once again they never called back. I called again on XX/XX/XXXX and was told again the check has been approved, but not released. Again I asked to speak to a manager ; again I was told the manager would call me within 4 to 6 hours. Never happened.

I must say SLS is the most unprofessional company I have ever deal with. One of the issues is every time I call the wait time is very long, and phone number that SLS provides is not the department that handles my problem ; so each time I call I have to go through the entire problem, then Im transferred to the correct department and wait. I asked for the number for that department and they wouldnt give it to me. Every person I spoke to said this shouldnt happen, we will get it fixed. 
This issue has been going on since XX/XX/XXXX, to my understanding there is legal reason SLS cant send me check. I believe SLS acted very unprofessional and the way they conduct business leaves a lot to be desired. I believe they are just jerking me around, with the hope I will go away.
Consumer complaint received 2018-05-10
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: Experian Information Solutions Inc. (GA)

I filed chapter XXXX in XX/XX/XXXX. Unbeknownst to me at the time, I was not required to make any student loan payments outside of my bankruptcy as it was not included in my schedules. I was in school at the time of filing so was not required to pay. I became delinquent in XX/XX/XXXX, but again I should have not been in a repayment status due to the chapter XXXX. I have contacted XXXX 3 times in regards to this matter and they reply that I applied for forbearance after the delinquency, ignoring the fact that I should not have been in repayment at that time.
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MO)

Spoke with Navient customer service XXXX XXXX, XXXX XXXX, and XXXX XXXX pertaining to the fact that the balanced owed to Navient is XXXX and Navient is reporting on my cbr that I still owe them. Navient was paid XXXX XXXX, XXXX ... Please see attached acknowledment for Navient that loans were paid. 

Loan opened XXXX/XXXX/XXXX in the amount of {$5500.00} XXXX Current balance {$5900.00} Loan opened XXXX/XXXX/XXXX in the amount of {$3500.00} XXXX Current balance {$3700.00} Loan opened XXXX/XXXX/XXXX in the amount of {$1500.00} XXXX Current balance {$1700.00} XXXX currently are reporting that I owe {$180000.00} in loans - inaccurate ... 
XXXX currently are reporting the balance owed as {$170000.00} - correct amount ... 

Navient wants to continue to state that it 's the cbr agencies fault and the reporting agencies refer me back to Navient when I call. I am needing for this to be corrected immediately ... To date XXXX/XXXX/XXXX the above mentioned loans are still reporting as owed to Navient in addition to these loans have been now ALL consolidated with XXXX my other student loan servicer. Meaning the loans are being reported twice. My debt ratio has increased unnecessarily an additonal XXXX plus. 

I moved the loans simply because Navient has handled my accounts poorly since XXXX and do not take any ownership when they make mistakes.
Consumer complaint received 2018-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Experian Information Solutions Inc. (TX)

I have cancelled my membership with Experian in XX/XX/XXXX. They suggested me to switch to basic membership for free and I accepted. Today, XX/XX/XXXX, I learnt that Experian has charged me for XXXX  dollars each month since XX/XX/XXXX. This is the fee that anybody should pay for keeping premium membership. I called them on XXXX. I firstly chose option of " Cancel '' on automatic service and got an answer of " you have basic membership for free '', which is correct but contradicted to their monthly charge. Afterwards I called them again using the same number and after 2 hours somebody answered. She told me they have had some technical problems and she is able to return only the last charge as a courtesy while I have been charged for 10 months totally about 270 dollars! She connected me to her supervisor and she offered me the same payment ( returning only the last charge ). After my telephone call they changed my membership history so that it does not show anymore that I had cancelled my membership inXX/XX/XXXX ( I learnt this when I checked my membership status online again after my telephone call ). I left a public post on their XXXX page but they removed and transferred it to private message box and replied me with some general statements ( please see attached ). I am a XXXX  of XXXX  and this money is a lot for me and it should be returned to me. This issue has not occurred because of my fault and I emphasized again it must be returned to me. I need your assistance to help me in this regard. My customer number is XXXX.
Consumer complaint received 2018-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

XX/XX/2017 I notice a collection from XXXX XXXX XXXX for the amount of {$970.00} from XXXX XXXX and I disputed the collection with XXXX and they couldn't fix anything in my credit report because I have an ITIN Number. 
Now I don't know how to remove that collection from my credit. I called XXXX XXXX XXXX Their phone number is not valid. There is no way to contact XXXX XXXX XXXX. 
I called XXXX XXXX collection department and they said : The account was open in a different name and address than mine. Don't worry they said, we are going to investigate this fraudulent account. 


Its been about 5 months today and XXXX XXXX XXXX still show in my credit report and now I got a call and a letter from a different collection agency ( XXXX XXXX XXXX ) saying same thing, I own to XXXX XXXX {$970.00}. 
I contacted XXXX XXXX and I'm disputing this supposedly new collection hoping that it will not show in my credit report like the one from XXXX XXXX XXXX because i called Called XXXX XXXX Sales, Billing and collection and customer service again and they just either hang up on me or they just wouldn't find the fraudulent account. 
I need help and resolving this issue since XXXX XXXX is not taking the necessary action in my behalf. XXXX Bless
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2018-05-09
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Brightfunders, LLC (MD)

I started the process with Homeside Financial back on XX/XX/XXXX, the Loan Officer ( XXXX XXXX ) sent me the pre-approval letter on XX/XX/XXXX. My agent put my house on the market and we accept an offer on XX/XX/XXXXand on the same day we put an offer to get a new house which was accepted by the seller, I reached my loan officer and he renewed my pre-approval letter and I sent him all the documentation that he requested, bank statements, ratified contract, preliminary CD for my current property. I filled the application within 5 days. The loan officer sent me the credit card authorization form to order the appraisal and couple of days later he sent me an email saying that the appraisal came back good. We asked him if we would be able to close for my new house on XX/XX/XXXXand he said YES, everything is good, they were waiting for the Title Company to transfer the funds of my current property so I would have the money the day of my closing. I sent him emails, text messages and called my Loan officer many times during the following 2 weeks and he sent me a text message saying that he went out of the country but that everything was good to close on the scheduled date.

The settlement of my current property was scheduled for XX/XX/XXXX( one week earlier than my closing to have enough time for the funds to be transfer ) On XX/XX/XXXX, I sent him an email saying that I haven't heard back from him and that I wanted to know if everything was fine. He got back to me saying that the underwriter just found out that my husband pays child support ( that information was on my husband 's paystubs ) he's been paying it sinceXX/XX/XXXX, so I sent him the Child Support order and called my loan officer 's manager, who told me that I need to refinance my car immediately to lower my debt radio ( all this less than 24 hours before the settlement ) I called XXXX and they were able to approve my refinancing in one hour, I contacted Homeside Management again but they said that was now enough and that unfortunately the transaction couldn't be approved.

For all those reasons, I wasn't able to settle my current property and I breached the contract, now they don't want to reimburse me for the {$1000.00} that I put down when I signed the contract and the buyer of my current property is upset because they were ready for the settlement and the night before we had to cancel.

OnXX/XX/XXXX I requested to Homeside to Transfer my loan to a new lender and one week later I'm still waiting for that to happen.

Today we contacted Homeside again and the Manager said he's going out of town, so I still haven't been able to settle neither for my current property or the new one.
Consumer complaint received 2018-05-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

XXXX  , XXXX started sending me letters in XXXX but their address has changed a few times since then, making it hard to contact them. They finally sent a letter at the end of XXXX of XXXX stating that they would sue me for the supposed debt that they claim I owe them. After finding out a way to actually contact them, which according to their own website would have to be through Resurgent Capital Services, I sent them a letter on XX/XX/XXXX requesting that they validate the debt but their response, which was mailed out on XX/XX/XXXX, was just printouts of old statements from the original creditor. I responded on XX/XX/XXXX to their letter telling them that what they sent me does not meet the Federal Trade Commission 's guidelines of what constitutes proper debt validation and that they are now in violation of the Fair Debt Collection Practices Act and Fair Credit Reporting Act for still reporting invalidated and inaccurate information on my credit report. I have not heard back from them since then but they have continued reporting on both XXXX   and XXXX.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate. 

.
Consumer complaint received 2018-05-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Strategic Alliances, Inc. (TX)

Step 1 : What is this complaint about?

Attempt to collect bogus charges that were not in my Doctors ' agreement. I have attached the formal letter that went to all patients from my Doctor.

Step 2 : What type of problem are you having?

Attempt to collect bogus monies ( {$1200.00} ) for XXXX XXXX ; a company now in bankruptcy. During a call with the collector, I was told that if I don't make payments, they will need to report our debt to one of the three major agencies. I have NEVER seen a bill for these charges, and if I had, I definitely would have addressed it swiftly. I have worked too hard to obtain my FICO score of XXXX. Also, my Doctor sent formal letters to all of her patients informing us of the bad faith practices of XXXX, and that these charges are at no fault to Doctor or their patients. 

Step 3 : What happened?

When I spoke to XXXX XXXX XXXX via telephone, I told them that I would not be making any payments until they send me a Validation Notice to Prove the Debt. As of this date, I have not received that document. However, now that I have been notified by my Doctor, I seriously will not pay the bill due to their underhanded collection practices. 

Step 4 : What company is this complaint about? 

Original Debtor : XXXX XXXX. Company attempting to collect payment : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

Step 5 : Who are the people involved? 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2018-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/XXXX I transferred a total of {$6000.00} from my joint savings into my personal checking. 
This had been discussed between both account holders. 
The following day the person I shared my joint checking and savings account with filed a fraud claim and closed both accounts. Shortly after Bank of America put a {$880000.00} freeze on my personal account. When I spoke to their customer service department I was told an investigation would be held and could take up to 10 business days. 

The 10 business days are now over and I have been told that a hold will be placed on my account for up to 45 days which would make my account active on XX/XX/XXXX. 

My credit score has gone down by 12 points since XX/XX/XXXX. I  have creditors calling my phone non stop. 

I have taken my birth certificate, social, and id into a branch to prove my identity. I have faxed over documents stating where I work and verification that I am authorized on this account. 

Page 7 in their disclosure proves my rights and is being broken with no solid answer as to why.
Consumer complaint received 2018-05-09
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I mailed out a dispute letter to all 3 bureaus after receiving my credit report I was shocked to see errors on my report. Then to my surprise the results of the investigation came back as verified. On XX/XX/XXXX I sent another letter asking them for the proof and AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the XXXX, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.
Consumer complaint received 2018-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Single mother w no help. Fell behind on payments. Called multiple times to get hardship or to settle account. Constantly told i do not meet criteria even though i have no employment
Consumer complaint received 2018-04-27
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. (NY)

Hi my name is XXXX XXXX and I am contacting you because all 3 credit bureaus are still sending my personal information to the wrong address as well as false reporting balances on my credit cards that I have already paid off but the credit bureaus are reporting that I owe high balances which is not true. I have been having issues with these 3 credit bureaus for yrs now and I would appreciate it if they were made to correct the mistakes I keep making them aware of. Let me first start by saying my correct mailing address is XXXX XXXX XXXX XXXX ny XXXX and this is the only place any response should be sent. Secondly my only phone number that should be on my credit report is XXXX any number besides this number is fraud. Thirdly the balances on my XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  card need to be updated with correct balances because the credit bureaus are reporting balances that are incorrect. Also there is several addresses on my XXXX report that are fraudulent and do not belong to me and I would like removed. The only two address that should be on my report is my former address which is XXXX XXXX XXXX and my current address which is XXXX XXXX XXXX XXXX ny XXXX. Also my XXXX report is not showing my employer which should be on my report which is XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-05-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: OLIPHANT FINANCIAL, LLC (TX)

I received a suspicious letter on XX/XX/XXXX dated for XX/XX/XXXX from a company that claims a debt was sold to them.

Didn't receive notice of right to dispute.

* The letter does not advise of my right to dispute Didn't receive enough information to verify debt.

* The letter only indicated a credit account ending in XXXX, an amount, and the last payment allegedly made.

Notification didn't disclose it was an attempt to collect a debt.

* No indication that it was a debt collector or the letter was an attempt to collect a debt. ( No mini-Miranda ) I will not initiate contact with this company as it looks suspect.