davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

I've been a XXXX customer for over 30 years. 

I currently have a home mortgage that is in default because of my business hitting hard times, an income reduction of approximately 90 % at its worst point and illness which took me out of circulation for over a year. I requested a short sale from SPS and have submitted several offers to complete it. We have had one problem after another with the servicer of this loan ( SPS ), including poor communication, no communication and taking substantially longer than standard practices allow to evaluate and close a sale. As a servicer - SPS should have issued a disposition on our complete file within 30 days. They have violated this standard several times. They need to be held accountable. They have not assigned me a single point of contact. I have not received any notices of such or any acknowledgments of my short sale application/process. 

For example, we submitted an offer to SPS a year-and-a-half ago ( XX/XX/XXXX ). It took SPS nearly a year to evaluate it. During that time the buyer was transferred by his employer to a different city and could not complete the sale. However had SPS moved in a timely manner the house would have been sold over a year ago for {$600000.00}. 

Last week we submitted another cash offer for the property and I was told on Monday XX/XX/XXXX, by SPS, that they would not consider the offer because the auction date is XX/XX/XXXX. 

I am writing to ask you to cancel the Foreclosure sale which is currently set at XX/XX/XXXX and allow the current offer, that we have submitted to SPS as the servicer of my loan, to close. There is no downside to anyone including myself, the buyer, SPS or XXXX of allowing this sale to complete. Please cancel the sale immediately and order an evaluation of this offer. I have done everything in my power to work with SPS not to lose this home to foreclosure. I do not want it to that route- I have supplied all the necessary documents they have requested in a timely manner. Please look into the violations they have committed as a servicer. If you dont, who will? If they had responded in a timely manner the last time we gave them an offer- this would have been a done deal. 

Loan # XXXX SPS
Consumer complaint received 2018-12-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (MN)

I made a poor choice in desperation and bought a car from XXXX in XX/XX/2011. Within the first week, the air conditioning went out in the vehicle and was going to cost me XXXX dollars to fix. A week after that I had a tire blow on the highway. Apparently there were wires showing that I did not notice when I purchased vehicle. By this time Im frustrated. Then when I decided to return the car something happened in the engine so I wasn't even able to return it. I called to have them come and get it. I was not aware that there is something called the " lemon '' law. I just knew I got a bad deal. I didn't realize this was on my credit score until I went to purchase my first home. Now its a problem. I don't recall getting any notices or phone calls. I am attempting to dispute this debt. Any help would be appreciated. It has been 7 years so I do not recall a lot of information. Thank you
Consumer complaint received 2018-05-22
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. (CA)

On XX/XX/XXXX I submitted a complaint through this venue directed at Experian for inaccurate and fraudulent information that continues to report on my credit report with Experian. 

Additionally, I called and spoke with Experian 's Fraud department to confirm that hey had indeed received my attachments of my driver 's license 's and first two pages of my previous and present lease agreement 's to further validate my disputes. They instructed me that not only had they not received any of these documents, but they would not be able to see said document 's. I find this disheartening to say the least. I have multiple things reporting on my credit that are either inaccurate or fraudulent ( not mine ). 

Once I received the results back from my previous disputes on XX/XX/XXXX ( Report # XXXX ) all of the results had been completed and updated which I find discouraging. First off, how is that possible that every one of my disputes with these companies come back on the same day with the exception of my inquiries and one account with XXXX? While I understand that inquiries for examples are totally separate than accounts etc., I do know that these companies that re reporting on me that are not mine have absolutely no way to prove that they are mine. I have submitted documents over and over and over again that clearly support my stance, yet they continue to report on my credit. 

Bottom line, the accounts that I am disputing yet again are certainly not mine and I would be extremely grateful if whomever is responsible for leading this investigation to please do their due diligence accordingly. For example the ( 2 ) XXXX XXXX collections both of which were not mine as I wasn't even living in those states at the time these accounts/collections were even established. 

Thank you kindly,
Consumer complaint received 2018-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion has not provided me with the source of who furnished them with the information on the judgment they are reporting. I am not aware of this or who gave them the right to report this information. They referred me to the courthouse who they are saying verified and provided the info. I contacted the court house and they sent me a letter verifying that their department does not provide or verify any information to any bureau or third-party reporting agency. Transunion has not properly provided me the source of their information on the public record they have placed on my credit report. According to FRCA 15 U S C 1681 ( g ) they have to send me proper documentation ( file info, verification methods and response ) of what they have associated with any acct ( not just verified ) and section ( i ) states it must be deleted if not properly verified. I also found section 611 ( a ) ( 5 ) ( A ) ( i ) states they can not report inaccurate, unverifiable, untimely info. If the courthouse didn't provide this information to Transunion to report in the first place nor did they verify it. I would like the bankruptcy judgment removed immediately.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

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 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 2018-12-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I had private loans with SallieMae when I graduated college in XXXX. I started payments soon after. The Public Service Loan Forgiveness program started in XXXX and I thought I was the perfect candidate. I worked for XXXXXXXX XXXX XXXX for at least five years while paying off my loans, then moved to XXXX XXXX and started working for a XXXXXXXX XXXX XXXX XXXX. I thought I was well on my way to having my loans forgiven. I called SallieMae to find out what I needed to do. They told me that I needed to get onto one of  their income based repayment plans and I would be doing everything necessary for the Public Loan Forgiveness plan. The thing they didn't tell me was that your loans had to be Federal loans to take advantage of this program at all. At the time, in XXXX, there wasn't any information online for me to read that would let me figure this out myself. What incentive did SallieMae have to let me leave their company? It took until much more recently, I don't remember exactly when it was, but I removed my loans from SallieMae and re-consolidated them ( took on more interest ) with XXXX. I now have something like 20-30 payments toward public loan forgiveness. I should have been done with this program by now. I've been paying Income Based repayments since XXXX, that's almost 12 years worth of payments, and I barely have a few years worth from XXXX  XXXX.
Consumer complaint received 2018-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (FL)

I was shocked when I reviewed my credit report and found late payment on the date 30 days late as of XX/XX/2015. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-12-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (MO)

On XX/XX/2018 I called XXXX XXXX customer service to see if I could get my monthly payment lowered because I was having difficulty making the monthly payment of XXXX. I was told there was nothing they could do since I had already used the 12 month forbearance. I discussed that I wanted to make monthly payments on the loan but was having difficulty paying the XXXX payment and asked to get lower, more affordable payments. I was told that the only option for me was to stop making payments on the loan, allow the loan to become late, and then I would be contacted by someone from the collections department to see if they could help me with lowering my monthly payment. I said I did not want to miss a payment and become late on the loan because it would make it more difficult for me to catch up. I asked to speak to someone who could help me now before I was late on a payment. I spoke to a supervisor who was unable to help me and was told the only way the collections department would talk to me and try to help me was if I became late on payments. I reached out to XXXX XXXX for help in lowering my monthly payment and they refused to help me unless I become delinquent on payment!
Consumer complaint received 2018-08-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc. (WA)

The following company EOS CCA, with provided address XXXX XXXX XXXX, XXXX, MA XXXX and listed phone number ( XXXX ) XXXX has lodged an adverse entry with multiple Credit Report Agencies in the month of XX/XX/2018 regarding disputed bill for {$300.00} by XXXX XXXX company. I have never received a debt notification or the right to validate notice by EOS CCA company. 
The company has violated my rights by not informing me of the debt or my rights before adverse files with the credit reporting agencies.
Consumer complaint received 2018-08-19
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. (LA)

XXXX XXXX XXXX is reporting two ( 2 ) accounts on my three ( 3 ) credit bureaus, Experian, XXXX, and XXXX. 

I have regularly disputed these accounts over the past year. Over the past 6 months I have aggressively contacted them AND the credit bureaus each month via mail asking that they remove the accounts, since they do not belong to me. They only respond saying the information was " Verified. '' I have asked for actual verification with proof of me opening these accounts - when, where??? Provide me with my signature for this credit. They NEVER have. 

I have also asked them to STOP truncating the account numbers. It is unlawful to provide less than 100 % accurate information on credit reports. By truncating the account numbers, I DON'T EVEN KNOW WHAT THE ACCOUNT NUMBERS ARE. And they are providing inaccurate information. 

According to the Fair Credit Reporting Act, these are violations, unacceptable and unlawful.
Consumer complaint received 2018-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (OR)

At the beginning of XX/XX/XXXX I called PNC to request an appraisal of my property with a purpose of removing mortgage insurance. Talk to them over the phone, got an official letter with a price for appraisal of {$590.00}. In the letter it said that I will be contacted by appraiser as soon as they receive funds. I send a check next day. Haven't heard from them. Check has been cashed but no phone call. I contacted PNC to find out whats going on. Over the phone a rep told me that they work only with one appraisal company ( which is not true ) and this company charges {$1000.00} for the service, so if I would like to proceed I need to send them an additional {$420.00}. Which I did. Appraiser came in about 2 weeks later, look at the house and was very satisfied with everything. At the same time house next to me ( an  identical copy ) just got sold for {$370000.00}. In XX/XX/XXXX I got a letter from PNC saying that the appraised value of my house is {$350000.00} which bring my loan-to-value ratio to 76.57 %. The appraised value needed to come in at {$360000.00} to bring LTV to  75 %. They were asking me to send them a check for {$5500.00} to bring LTV to 75 %. Which of course I didn't. I've been trying to get an actual appraisal report from PNC for 6 month. Finally after another attempt around XX/XX/XXXX, it has been sent to me in XX/XX/XXXX. 
The comps that this appraiser used are completely wrong. Majority of houses that he looked at were 3 bedroom houses where mine is a 4 bedroom, also most of them don't have a backyard, mine has a  good side yard all made up to perfection. 
The Zestimate on my house is {$400000.00}.
Consumer complaint received 2024-11-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

Mohelia handles the XXXX XXXX XXXX  I currently have. Once they learned I applied for XXXX they doubled my minimum due, to $ XXXX month. If I made those payments for XXXX payments it would total {$300000.00}. The loan is only for {$160000.00}. They said it is because of my income, however I have obtained a XXXX  and my income has been decreased by 60 %. THREE attempts at providing this information has never been processed. Despite email and fax confirmation. Any attempts at phone calls have resulted in 90 min wait times. In addition on XXXX XXXX I spoke to someone and submitted a payment via the phone and there is no record of it! It is still in my bank account. When I request a call back, as soon as the call back calls me, it disconnects when I pick up. 
Please help me. I am a nurse in a non profit hospital willing to repay my loan. I can not afford XXXX XXXX. I dont even earn $ XXXX. Please! XXXX XXXX
Consumer complaint received 2018-08-20
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC. (AZ)

I have tried to work with Navient regarding my defaulted student loans for the past 2 + years. I have submitted for a Income-Driven/Based Repayment Plan ( IBR ) and was rejected for a lowering on my loans like the Department of Education had done in the past as the decision was only based on income and not on any of my bills that I must pay monthly. I have asked repeatedly to have this process reworked only to hear no and just a continuation of billing for an amount I can not pay! The last time I requested this was in XX/XX/2018 & was informed on XX/XX/2018 that " Our records confirm that your IBR request was denied on XX/XX/2018 because your financial circumstances do not meet the federal definition of " partial financial hardship '' required for enrolment in the IBR Plan. '' They have offered a reduction in payment to {$71.00} for 24 months which is still outside the amounts I can financially afford. And with everything increasing in cost and employers not offering much in wage increase only causes more financial & mental distress to the point I can not even think clearly at work!
Consumer complaint received 2018-08-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

Two weeks ago, I was notified by the XXXX XXXX app that my previously excellent credit score had dropped 200 points. Upon viewing my credit report, I learned that XXXX XXXX ( account # XXXX ) had reported to the credit agencies that my credit card had a {$75.00} delinquent balance that was 30 days late. My problem is that this credit card, which I have had for 10 years, is used only to back up my checking account in the event of an overdraft. Unbeknownst to me, I did not have automatic payments set up. Furthermore, despite their claims, XXXX XXXX never communicated with me by telephone conversation, a letter, or an email to notify me that my account had become delinquent. Had I known, I would have paid my balance immediately. I have tried numerous times to speak with someone in the XXXX credit card collections department with no success. XXXX has severely and unfairly damaged my credit score because of their lack of transparency and apparent goal of protecting their company 's version of the truth. I have been told by several managers in their credit card department, who are not even working on XXXX 's investigation of my complaint, that the company tried numerous times to notify me, which is completely false. I have a mortgage and multiple banking accounts in good standing with XXXX. I do not understand why XXXX would allow my credit scores to be so badly damaged by a single oversight.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, Experian, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2018-08-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

Two weeks ago, I was notified by the XXXX XXXX app that my previously excellent credit score had dropped 200 points. Upon viewing my credit report, I learned that XXXX XXXX ( account # XXXX ) had reported to the credit agencies that my credit card had a {$75.00} delinquent balance that was 30 days late. My problem is that this credit card, which I have had for 10 years, is used only to back up my checking account in the event of an overdraft. Unbeknownst to me, I did not have automatic payments set up. Furthermore, despite their claims, XXXX XXXX never communicated with me by telephone conversation, a letter, or an email to notify me that my account had become delinquent. Had I known, I would have paid my balance immediately. I have tried numerous times to speak with someone in the XXXX credit card collections department with no success. XXXX has severely and unfairly damaged my credit score because of their lack of transparency and apparent goal of protecting their company 's version of the truth. I have been told by several managers in their credit card department, who are not even working on XXXX 's investigation of my complaint, that the company tried numerous times to notify me, which is completely false. I have a mortgage and multiple banking accounts in good standing with XXXX. I do not understand why XXXX would allow my credit scores to be so badly damaged by a single oversight.
Consumer complaint received 2018-12-10
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Received phone calls in regards to an old ACE Cash payday loan from 2013. XXXX XXXX, XXXX XXXX and XXXX XXXX all claiming to be attorneys and XXXX a process server. He threatened to serve me with officers regarding the legal suit being filled and fraudulent banking laws in Texas. Threatened to repossess my car and if it's financed advising that I am unable to drive until the debt is paid in the original amount of {$640.00} or if it goes to court, would be over XXXX. They catch you when you are not thinking and make you afraid and I like a fool gave my card information before filling checking them out. There is no listing for them and they sent document to be signed authorizing them to go into my account and draft funds. I have closed the account and never signed the document. I received calls from XXXX, XXXX & XXXX They gave a case number of XXXX
Consumer complaint received 2018-05-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

I made a {$1000.00} cash deposit to a Chase ATM at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The machine ate the {$1000.00} dollars and gave a receipt saying to call XXXX number to verify deposit. I filed a claim. They said it may take 45 days to investigate. I would like film footage before they destroy it and my money credited. 45 days is absolutely too long to wait for them to check if my money is in their ATM. They had to have audited the ATM by now.
Consumer complaint received 2018-08-20
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)

I noticed an inquiry by XXXX XXXX XXXX XXXX XXXX on my experian credit report. I contacted XXXX   and asked why an inquiry was made into my credit report. They said they had no record of any application or other request that was made. XXXX sent a letter statting they had requested the inquiry be removed but experian has not updated the information they requested.