davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-16
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Duvera Billing Services, LLC (WI)

Been try to pay of the account for XXXX month and seem to never get any one who can help me get a good amount to clear the account out, they are also report to my credit report XXXX time for XXXX different account and when ask can I pay the lower amount they said no and said I must pay the high one that is XXXX time the amount
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2015-11-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CO)

Hello, I have disputed an account with Experian to validate the accuracy, In return they sent me a letter stating they have validated the information, I sent a letter to XXXX XXXX via Certified mail requesting validation which no response was ever sent back. I contacted Experian again via mail and they refuse to investigate the account stating they have already validated. I have made multiple attempts to contact XXXX with no response. I have attached the following communication between Experian and XXXX as proof.
Consumer complaint received 2015-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (GA)

I tried to sign up for the XXXX bureau credit monitoring system offered through XXXX website. However, I was unable to complete the transaction due to a block ( notice ) on my Experian report. The notice reads " The issue date of the Social Security number that you gave us when you contacted us is not verified by the Social Security XXXX ''. When I contacted Experian to fix the issue, they told me nothing could be done. My SSN was issued XX/XX/XXXX. Since XX/XX/XXXX, the Social Security XXXX changed the way they issued SSN to increase security and consumer protection. As such, many companies, including Experian, can no longer validate my SSN. I can not understand why I am being penalized and denied service because a safety featured implemented by SSA. I would like to request that Experian remove this notice from my credit report.
Consumer complaint received 2016-03-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A dispute with XXXX XXXX XXXX was made regarding derogatory information reported. 
CFPF File Number XXXX resulted in XXXX issuing a letter dated XXXX XXXX, 2016 wherein they stated that XXXX removed the trade line from all credit report effective XXXX XXXX, 2016. 

The derogatory information is still being reflected by TransUnion. I visited the US Office of Personnel Management account I have and found that as of XXXX XXXX, 2016 the derogatory information is still reported by TransUnion. This is negatively impacting the mortgage rates I am currently being quoted.
Consumer complaint received 2015-07-16
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC (MD)

After reviewing my credit report, I discovered that SLS was reporting a mortgage that was once owned by XXXX XXXX XXXX in which a Deed in Lieu dated XX/XX/XXXX was submitted and excepted by XXXX XXXX XXXX. A 1692g request was received by Representative ( s ) and Agent ( s ) of SLS on XX/XX/XXXX. ( See Attachment A ) SLS responded with proper validation of a debt owed per 15 USC 1692g, however the company does not have proper information " Deed in Lieu ''. ( See Attachment B ) A notice to cure was forced to be sent to SLS containing the Deed in Lieu and my credit report to show that the alleged debt was XXXX ( XXXX ) out after the submission of the Deed In Lieu to XXXX XXXX XXXX. ( See Attachment ) SLS has NOT responded in addition to reporting the debt as a delinquency on my credit report and not as disputed. The loan was settled with XXXX XXXX XXXX per the Deed In Lieu and the allegations that a debt is owed to SLS are frivolous.
Consumer complaint received 2024-08-15
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. (OH)

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 XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 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 2016-03-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MO)

I have been trying to get loan modification assistance thru Wells Fargo for over 10 months now. Each time I submit documentation for review they continue to request the same information over and over again and claim they do n't have it. I recently reached out to them on XXXX XXXX 2016 and spoke to : XXXX XXXX in the REENTRY DEPT XXXX where he requested documents for review. He stated upon receiving the documents as long as they were uploaded and received 8 days prior to my foreclosure scheduled date of XXXX/XXXX/2016 they would postpone. 
I submitted 100 % of requested documents but after faxing them in on XXXX XXXX 2016, they stated they all documents requested were not received. The initial list of documents they requested on XXXX XXXX changed so when I recently called them the list of documents changed and stated the file was incomplete, I feel they purposely added more documents in their notes so that my file would be incomplete. 
I have requested a reinstatement quote over 30 days ago and have yet to receive it. Documents where faxed to Fax # XXXX In addition to this issue each time I am denied they fail to provide me with letters stating why and do not give me the opportunity to appeal their decision, when I do ask for copies of the letters they state they were mailed but yet I do not receive them.
Consumer complaint received 2015-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I disputed an " Adverse Account '' with Transunion multiple times in reference to an old account which is : XXXX Bank, a revolving credit card account which I included in my Chapter XXXX Bankruptcy filed on : XXXX XXXX, XXXX. XXXX stated they did not XXXX I filed for bankruptcy until XXXX in which they then closed the account. 

I submitted a letter to XXXX regarding the closing date which they admitted was in error, and should have been in XXXX not XXXX, but have not responded to my letters, or have submitted this correction to Transunion, so Transunion can delete this account from my file. 

Transunion stated that by me continuing to dispute this information was frivolous, and that they were reporting this information correctly with the Fair Credit Reporting Bureau. Transunion is reporting this information with " account included in bankruptcy under " Pay Status '', and Chapter XXXX Bankruptcy under " Remarks. '' Transunion removed the Chapter XXXX Bankruptcy from my file, but not the XXXX account, which should have been removed in XXXX XXXX, XXXX. 

Transunion has the removal date as : XXXX XXXX, XXXX, not XXXX XXXX, XXXX, which would make this account 9 years old. 

I am requesting that Transunion update, and remove this account immediately from my file.
Consumer complaint received 2015-07-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

XXXX XXXX XXXX sold our mortgage to Carrington Mortgage Services in XXXX of 2015. According to them I started out a month behind in payments. I had paid every month they sent statement and tried calling customer service to discuss this but got nowhere. They offered to take a partial payment by check as the website would only allow a payment in the amount of two months XXXX, however there was a fee to do this. I then mailed a check to them and in the meantime started receiving certified letters of Intent to foreclose on our house. Even if they are correct we are only about 3 weeks behind on XXXX payment this is so ridiculous. We looked into this new mortgage company and were horrified to see what had happened to other people, they had lost their homes in a matter of months with this company. We paid the extra month they said we owed just to avoid ruining our credit and losing the property and the day we paid I received a statement in the mail informing us they were raising out monthly payment by {$210.00} explained only as other in the payment breakdown. I ca n't afford that and there is no reason for it. The escrow is currently {$510.00} a month which is {$6100.00} a year. The projected annual escrow payments are only {$5600.00} a year. The amount of yearly escrow? now if that 's even whee its going will be {$8700.00} per year. They do not need to pad the escrow with an extra {$3000.00}. We are very afraid that we will lose this property and need to know what we can do.
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

They credit bureaus refusing to send me a free copy of my credit report and score which I 'm untitled to under the fair reporting act the reason why is because they have insufficient information on my credit report that they do not want me to see or dispute as ruining my life liberty and freedom it 's affecting me.and causing me hardship
Consumer complaint received 2024-08-15
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. (CA)

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$500.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
XXXX XXXX XXXX
Consumer complaint received 2015-12-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (SC)

Experian will not remove inaccurate names that are not my names or wrong addresses. The other agencies did it but they will not. I have even sent them proper identification and address verification information. Still no changes after 5 months of trying to get corrected. 

Also they failed to reinvestigate properly and submitted requested documents to me based on the Section 611 of the FCRA I stated to them the following : 1. My request was made based on FCRA, Section 611, Procedure in Case of Disputed Accuracy ( a ) ( 6 ) ( iii ) and was signed as having been received by you via certified mail. 
2. Pursuant to FCRA, Section 611 ( a ) ( 7 ), you are required to provide that description and specific information to me no later than fifteen days of my request. 

1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2. What certified documents were reviewed to conclude your investigation? 
3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
4. What did it cost your company to obtain the documents needed to complete your investigation? 
5. Please provide proof of your timely procurement of certified documents. 
6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?
Consumer complaint received 2016-01-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (VA)

There was a medical bill placed on my credit. I contacted the insurance company and they paid the bill to the collection agency. I filed a dispute to have it removed from my credit report. The collection agency sent me a notice on XXXX/XXXX/XXXX that this would be deleted from my credit. It has been 60 days and I checked my report and it is still there. I submitted another dispute on XXXX/XXXX/XXXX to Experian ( XXXX ) to have this deleted and offered the paperwork. I was sent a response in & lt ; 24hour by Experian telling me this will remain on my credit up to 7 years. I have also submitted disputes to XXXX for the same cause. The reporting agencies have refused to remove this from my credit report even though the debt was really due to the insurance company and not my failure to pay the bill. The insurance company has satisfied the debt so why am I continuing to be punished. This process has delayed me from obtaining a mortgage credit, whereas I have not had this problem in the most recent past.
Consumer complaint received 2015-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

I disputed several medical accounts with Experian and received a message stating per the FCRA 611 ( a ) ( 3 ) ( A ) they will not process my dispute XXXX. However, I have filed a complaint with XXXX Enforcement process for each of these creditors and, I have proof of insurance that I can not add to the dispute.
Consumer complaint received 2015-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX is reporting I owe XXXX I have never had a XXXX account after talking to XXXX they informed me its is under the name XXXX XXXX I have never had the last name XXXX this is not my account. I am also contacting my State Attorneys office because this is not mine
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

Experian continues to show the following under comments for my XXXX mortgage account Customer under partial payment plan This is not true. I am not under partial plan. XXXX has confirmed this was removed. I submitted a dispute. The dispute was finalized today, but it still shows that comment. That comment is affecting my credit score with Experian. I have requested this several times and I can never talk to an agent to figure out what is going on.
Consumer complaint received 2016-02-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC (FL)

Since XXXX 2015 I 've received numerous calls on my prepaid cell phone which has been on national do not call list for years. The caller ID shows that the caller is XXXX. I tried calling back that number today and was put on an endless loop of " Your call is very important to us. Please continue to hold for the next available rep. '' After 5 minutes of waiting on hold I hung up. Next I called the number given in the many voice messages left on my phone by this caller. The voice msg only said call XXXX XXXX at XXXX. It did not identify any company. I waited on hold for approximately XXXX minutes with the same message repeating over and over and finally XXXX XXXX picked up. i asked to speak to XXXX XXXX. She said XXXX was away from her desk. I asked XXXX what the name of her company and she said GC Services representing the state of Illinois XXXX XXXX XXXX and asked me if i am XXXX XXXX. I asked XXXX what the call was about and she said this is an attempt to collect a debt. I said what debt. She said the state of Illinois XXXX of XXXX. XXXX also asked me to verify my social security number but I refused to confirm or deny that. I told XXXX I 've never lived in Illinois, I have her on speaker and do not call me anymore. It 's my understanding that these kind of debt collection calls are very common right now. Somebody should look into this. What good is a National " Do Not Call '' registry if anyone can get your cell number, annoy you, waste your precious prepaid minutes and your time and get away with it?!
Consumer complaint received 2015-11-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Mathes Management Enterprises, Inc. (GA)

Sterling Financial has reported a loan to the credit bureaus that I do not have placed with them and they have also reported it with derogatory information. 
The loan they have me listed for is actually not theirs to list but belongs to XXXX XXXX XXXX and is paid on time.
Consumer complaint received 2015-12-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My Bank of America account was hacked and frauded of {$9500.00}. Someone acquired my information and deposited checks into my account and then withdrew the money from my account and I was n't notified by my bank about any of this activity. My account was forcefully closed and I have a negative balance of {$9500.00} that the bank says I 'm liable for. I filed a claim and was told that I would receive papers to finalize my claim but instead they asked me questions over the phone and took my claim that way. My claim was denied within 24 hours and I have inquired about appealing my denied claim but no one will take my questions regarding that. I just want the debt resolved as I did n't write the checks or authorize any of the transactions that occurred.
Consumer complaint received 2016-02-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (HI)

On XXXX/XXXX/15 I noticed my credit score dropped due to an inquiry, I checked XXXX and there was an inquiry from XXXX on XXXX/XXXX/15. I submitted a dispute to Equifax and the results stated that they are a factual record of file access. I have never had an account with XXXX and I live in XXXX this inquiry came from XXXX. Equifax told contact the merchant and I did. I got a response back from XXXX XXXX, from XXXX asking for personal info to see if I had ever opened an acct with XXXX. On XXXX XXXX I got a letter form XXXX XXXX from XXXX confirming that the inquiring removal had been submitted to all XXXX credit bureaus. Months later I checked my credit again and noticed the inquiry is still on my credit report, so I mailed a XXXX letter to XXXX and got a response from XXXX XXXX stating they were submitting an inquiry removal again to all XXXX credit bureaus. It 's going on 10 months and this inquiry is still on my credit report which is still impacting my credit score and I believe this is a fraud transaction that needs to be rectified. I do n't know how XXXX got my personal information to run my credit, they are confirming that I do not have an open account with them but I believe a fraud and unauthorized inquiry was made from someone that is portraying my identity. Please help me resolve this problem.
Consumer complaint received 2015-11-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Lender refused to issue Loan Estimate until I locked in an interest rate. Mortgage application was made on XXXX/XXXX/2015, I requested the Loan Estimate XXXX times. As of XXXX/XXXX/2015 I still have not received the Loan Estimate. Loan Officer stated that I will receive the Loan Estimate only after I agree to lock-in an interest rate.
Consumer complaint received 2016-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MA)

XXXX XXXX wiped out original dates of closed and charged off dates and put the dates as recent. I have never purchased anythign from XXXX XXXX. I have sent them tow affidavits and requested and both have never been processed on their end. I have disputed this charge since XXXX. In XXXX after filing XXXX affidavits and endless phone calls I just paid the money. I was trying to get a home loan and needed to resolve this issue. After I paid XXXX times what they originally said was purchased they update my credit report as recently charged off and late paid even though this all occurred in XXXX, sent to collections in XXXX and charged off. I do not believe that changing dates to recent is correct. I have been fighting that since XXXX XXXX.
Consumer complaint received 2016-02-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Enterprise Systems, Inc. (GA)

The debt collector asked for my great niece. I am a XXXX yr old woman and my niece do n't live at my address, nor do we share the same number. When my niece called them back, they ask for her married name since XX/XX/XXXX. We immediately knew who gave these people the number. His name is XXXX XXXX XXXX and his number is XXXX. I called him and asked him why would he give my aunt 's number out and she is frail and old? His date of birth is XXXX/XXXX/XXXX and while married, he owe student loans while married.
Consumer complaint received 2015-07-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CONTRACT CALLERS INC (UT)

Checked my credit report and have a derogatory remark against my credit score. 
A debt of XXXX dollars for a electrical bill in XXXX, VA. 
I do n't live in XXXX. So of course this could be identity theft as well.
Consumer complaint received 2015-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Account # XXXX with XXXX is showing late XXXX, and XXXX even though I paid them off on XX/XX/XXXX. I spoke to the manager at XXXX XXXX and the problem has not been resolved.