davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I have a lease with  XXXX . I set up automatic withdrawal for my payments. I sent in the form and voided check to enroll. I was told it would take approximately 30 days to go through. I received a bill later on asking for a double payment. I had thought that the payments were on auto draft. It turns out the company did not withdraw the payment by the due date. I was never called or notified in writing that my account was delinquent until after a 30 day mark appeared on my credit report.     When I called  XXXX  regarding the bill, I paid the full amount due immediately.  XXXX  said that due to the misunderstanding, they would remove the 30 day mark from my credit report if I submitted a request in writing. I submitted this request rough ly 4-5 months ago and have not heard back. I have called multiple times only to be bounced around departments with no one able to give me any information or answers.  I also tried disputing this information from my credit report and they did not remove it. I am requesting this 30 day late mark be removed from my credit report.
Consumer complaint received 2017-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a lease with  XXXX . I set up automatic withdrawal for my payments. I sent in the form and voided check to enroll. I was told it would take approximately 30 days to go through. I received a bill later on asking for a double payment. I had thought that the payments were on auto draft. It turns out the company did not withdraw the payment by the due date. I was never called or notified in writing that my account was delinquent until after a 30 day mark appeared on my credit report.     When I called  XXXX  regarding the bill, I paid the full amount due immediately.  XXXX  said that due to the misunderstanding, they would remove the 30 day mark from my credit report if I submitted a request in writing. I submitted this request rough ly 4-5 months ago and have not heard back. I have called multiple times only to be bounced around departments with no one able to give me any information or answers. I  also tried disputing this information from my credit report and they did not remove it. I am requesting this 30 day late mark be removed from my credit report.
Consumer complaint received 2017-05-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I sent a dispute letter to the credit company for the numerous amounts of unauthorized inquiries on my credit report that impacting my score and chances of acquiring credit. They have been giving me the run around for months about this situation. I sent the letter through certified mail to ensure the safety and timeliness of the letter getting to the credit company. The letters were mailed out on  XXXX   XXXX ,  2017  and I have not received any forms of communication about this situation. I need this deleted off my reports as soon as possible.   Thank you.
Consumer complaint received 2017-07-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SOUTHWEST FUNDING, LP (TN)

I am a XXXX and I have a client that was purchasing a home. They went to the internet and were looking at lenders and happened to see this lender on XXXX. ( I had given them 2 or 3 names to  call ) Anyway he contacted this lender called Southwest Funding and he sent them a pre-approval letter and told them the docs they needed to send him. We wrote an offer on the same day which was XX/XX/XXXXthe buyer proceeded to send all the docs the lender asked for. Closing date was originally set for XX/XX/XXXX, we had to extend and extend it as the lender kept asking for other docs. The lender knew there was to be a gift letter so they waited until after the 2nd extension on the loan to even ask for the gift letter and it took them 2 days to get the form for it to them. Also they said they had to verify where he had worked two years before his last job by phone although they had his tax record, a copy from the IRS and his W-2. They also failed to sent them an estimation of the cost ( formerly know as a Good Faith Estimate ) from XX/XX/XXXX until XX/XX/XXXX. ( This is a violation of the FHA regs ) When the house did not appraise the seller agreed to the sell the home at the appraised value we then changed the sales price, got the docs signed and sent to the lender and they never sent another estimation of cost. Southwest Funding ( XXXX XXXX, owner and loan XXXX ) told her verbally on the phone she would have to have {$3100.00} to {$3800.00} at closing, then we got all of that worked out they then said the lender told them they needed to bring another {$1600.00} plus payoff a credit card. This client had done everything Southwest Funding had asked, had paid for an appraisal, home inspection, credit reports and had to extend their temporary living arrangements several times to the tune of approximately {$1200.00}. When I spoke to XXXX XXXX to ask why they had not been more forthcoming with the information he was very rude and offensive. He has not followed the guidelines set by FHA nor has he been honest in his efforts to get this loan done.
Consumer complaint received 2016-12-13
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (IL)

Navient called my mother in law 's phone number about my student loan debt when she is located in Hawaii and it was XXXX there and when I told the loan provider not to call again, she ( XXXX XXXX XXXX ) informed me that she had " called a lot of numbers that day looking for '' me. I told her she broke the Fair Debt Collection Practices Act as she had called a number in Hawaii and she told me that she had not as my loan is past due. She also informed me at the end of the call- which did not end well- that she will continue to call even though I told her not to call anymore.
Consumer complaint received 2017-05-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (AZ)

I have several student loans with Navient. What used to be   XXXX   XXXX    when I first got them. Shortly after Navient took over things for very complicated. I have always tried to use the Financial Based Repayment plans I apply each year. The first year I applied with navient in   XXXX   I applied online per usual in   XXXX   since my repayment plan was up in  XXXX . I received a letter stating it was received and being processed. In the meantime I received my   XXXX   statement for the bill due in  XXXX  stating I owed {$0.00}. Soon after that bill was already due I recieved a letter stating the repayment plan was excepted and my new payments will be a certain amount. It says nothing about making a payment at that time and was not a bill. Just a letter stating what my new payment will be starting on my   XXXX   bill. However two weeks later I get a late notice stating that I owe the amount as well as late fees. I called them right away and the lady stated she saw the problem and fixed it because I did not owe anything for  XXXX  and my new bill in  XXXX  should have the new amount. She saw there was no bill sent out for the amount they said I was late on at all. I thought it was all done and taken care of at that point. However over 6 months later I receive a letter stating that my interest percentage rate and loan were both going to be increased because the loan percentage rate was based on me not having any late payments and I had one the following  XXXX  according to their records. I again called immediately they again said they saw the problem and would investigate and take care of it. Nothing heard from again at the end of the year I got my statement and I saw my loan went up quite a bit. I have called, emailed and tried several times for them to fix the error they made and get my loan back down and my rate back down. I keep being given the run around and going in circles and nothing has been done.
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

ATTN : Legal  Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section  623, subsection ( 8 ) (  D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, secti on 623, subsection ( 7 ) ( A  ). To date, I have not received any documentation in compliance with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.   To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.    1.   XXXX   XXXX  : This account I have never done business with this company error please delete.   2. XXXX  : This account has inaccurate info  629 vio lation please delete.    3.    XXXX   XXXX   : This is inaccurate in information no validation errors please delete.   4. XXXX  : This is not a valid account error. I do not recognize this company no proof of claim information please delete
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I have identified items on my credit report that do not belong to me and were not completed by me. The identity theft accounts are as follows : COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

I applied mortage  from Chase.  The loan number is ...  XXXX .    1. W hen I started my mortgage on  XXXX   XXXX . Nobody told me there is a risk that the credit report would expire on  XXXX  17. I asked  XXXX   XXXX . He told me just close before  XXXX   XXXX .  XXXX  informed me the credit report and additional cost on  XXXX  17.    2. Chase is  too slow. I followed up my loan processing almost every day. Usually, only 30 % emails were replied only if I cc to the supervisor.  XXXX  and  XXXX  could not get update then they just ignored my email. I have kept all the emails as proof. If  it Chase delayed my loan process, not me. For example, for the employment oral verification, after almost one month , I was told, they could not find the right number and email of the person in charge of this in my agency. We are   XXXX   XXXX  .  Chase  could not find it. Then I emailed to  XXXX  and  XXXX  and all the people involved in the loan application in Chase. But after 3 days, I received a call to ask me to verify my employment history for myself. I told her, I am the applicant. I can not verify for myself and told her the email again and again. After 2 days, I received the same call to verify the employment history for myself. then I told her again. It is so ridiculous. All these stupid things delayed my loan process. Another example, when I asked  XXXX  my loan process update.  XXXX  replies " is finishing up ''. Then the next day, I followed up, he replied '' once the underwriter has any update, I will notify me ''. Then the next day, I asked '' usua lly 24-48 hours, I estimate .... '' Then another day, I followed. He replied '' ... is the best estimate '' Then I wrote " please tell me the exact deadline. not estimate. Please do the multiple choice : a. is waiting for the review. b. is reviewing c. has finished. I am not a native speaker. I do n't understand what is " is finishing up ''. Do n't play words games with me. '' Even if my credit report expired. It was because Chase ignore d my loan. Sometimes, I emailed  10 times, no one re ply. I called  XXXX   10 times, no call back in 3 days. If Chase did n't refund { $2900.00}, I would sue in the court.   And all the emails are kept as records.
Consumer complaint received 2015-08-11
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Essential Retrieval Group (CA)

I 've received several phone calls from XXXX XXXX of ERG collection threatening me to make arrangements to pay for a loanfrom 2010. I 've asked for proof but they will only send me proof if I agree to make payment arrangements. Since I 'm entitled to the information, I 've refused to make arrangements until I get the information, they 've repeatedly called my job, leaving her XXXX number. It 's very disruptive and unprofessional. I 've asked to stop calling the job but they wo n't.
Consumer complaint received 2016-12-23
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Nelson and Kennard (CA)

Nelson and Kenard is agresively attempting to collect debt for XXXX XXXX XXXX. When I requested them to validate these debts I got NOTHING back. At the same time XXXX XXXX XXXX validate the ownership of this debt ( see attached letter ) and stated they were NOT connected to Nelson and Kenard .... Nelson and Kenard asked for financial statement in order " to help me negotiate and settle this debt '' after providing them with all of my personal information I got NOTHING back ... is this even legal to do? ... XXXX XXXX XXXX still has the ownership of these credit card debt notes and I was advised to settle with them. However Nelson and Kenard has NOT stopped harassing me, I can never speak to the same person and have to give them my personal info ss # date of birth and etc over the phone to the secretary before I can be transferred to someone .... who knows what she does with my identity and why am I required to shout out my social over the phone to someone I do n't know ... this is a violation of my consumer rights and privacy this must be stopped!
Consumer complaint received 2017-05-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Pingora Holdings, LP (CA)

My loan file has issues with dual tracking, mal practice and employee incompetency. I submitted my file to XXXX ( XXXX XXXX XXXX XXXX XXXX ) for review for a possible loan modification, sometime inXX/XX/XXXX. It takes this servicer such a long time to acknowledge reciept of submitted documents. Finally onXX/XX/XXXX my servicer deemed my to be complete and sent me letter that it would take them 30 days from then for me a response. XXXX does not follow the legal preoceedures, but rather has its own timeline during the foreclosure review process. OnXX/XX/XXXX, I  was so furious about the delay and misinformation, talked to an employee, who could not explain what was going on, even after consulting with their supervisor. I followed up with XXXX on XX/XX/XXXX, the loan counselor rep informed me that, " on XX/XX/XXXX,  which is 30 days later from when my file was deemed complete, they sent my file to underwriting. '' Meanwhile, I had scheduled a foreclosure trustee sale forXX/XX/XXXX. During the review process time to this day, my home has been scheduled for an active auction sale and marketed by XXXX 's attorneys - XXXX XXXX XXXX XXXX XXXX XXXX, who are also not properly supervised by XXXX. On XX/XX/XXXX, the foreclosure attorney website reflected an active sale with starting bid instructions of {$500000.00} as a minimum bid. Even though they postponed the foreclosure sale date to XX/XX/XXXX, My loan file is still in review with an active sale date supposedly. Thereafter, I continued to follow up on my loan file periodicaly. Each time I was told that my loan file is with the underwriter. OnXX/XX/XXXX, the loan counselor informed me that, " they have 30 days from XX/XX/XXXX when the file was sent to the underwriter. It gets more interesting on XX/XX/XXXX, I recieved a one page decline letter dated XX/XX/XXXX ( as attached ). TodayXX/XX/XXXX, I followed up on status with XXXX counselor rep ( XXXX XXXX employee ID # XXXX ) who informed me that back on XX/XX/XXXX a  five page decline letter was sent out to me. Whatever is told to me, has often been different. She also added that, I have 2 weeks to appeal from the date of that letter, which time period has also passed on by now. During the review process, I have also had toprove that, I live in a multi family property of 4 units. At that time, I questioned the level of the underwriter 's competency. But again thereis not a way to escalate issues within the XXXX organization. I have also attached copy of theXX/XX/XXXX reinstatment statement from XXXX 's attorneys. Claiming all sorts of fees that are non applicable. My file should have been on Hold while i 'm in possible retention review. Aslo fees associated with the frequent mailings that they never sent out to us. Looks like XXXX is setting me to fail on this Home retention, which I will not. I provide shelter for numbe people and I 'm seeking justice in these mal practice matters.
Consumer complaint received 2017-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Altisource Portfolio Solutions, S.à r.l. (VA)

I started getting calls from debt collectors stating that I owed money for various credit cards. The credit cards were from XXXX, XXXX XXXX, XXXX, and XXXX. I was extremely confused but they threatened that if I did not pay the debt then it would ruin my credit score. Of course, out of fright, I decided to start making payments on these large bills. Most of the bills were over {$1000.00}. So i tried to settle the accounts as much as I could. Upon moving across the country, I did n't have a job, so the debt collectors called me again and threatened that I had to pay and if i did n't then all of my payments that I made previously would not even matter. They would hand the account off to another debt collecting company and I 'd have to start all over. I am at my wits end. I have tried to pay but this debt was not mine to begin with. Around 2012, I dealt with identity theft and had to switch banks and take several steps to make sure my money was protected. Now, I 'm dealing with it all over again. My credit score is in the pits and I can not take out any loans for school or otherwise.
Consumer complaint received 2017-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital one sent me a letter saying they were closing my account.dated XX/XX/XXXX. I mailed them a letter asking them to refund my credit balance and asked for details as to how I could access my {$11000.00} rewards towards the purchase of XXXX car. They did close my account & refund my credit balance on XX/XX/XXXX. <P/>I was getting ready to purchase a new XXXX in XX/XX/XXXX and on approximately XX/XX/XXXX I called the card company about redeeming my rewards. They transferred me to a reward redemption center. The rewards redemption center said my rewards were only valid for 90 days after my account was closed. I told them my account was closed less than 60 days ago. They said that Capital One had listed the closure of my account as XX/XX/XXXX. I tried to explain to them my account was not closed until XX/XX/XXXX. They said Capital One had listed the closure date as XX/XX/XXXX and I had to get the closure date corrected to have access to the {$11000.00} in rewards towards the purchase of a new car. I emailed and called Capital One. They continued to state my account was closed on XX/XX/XXXX. I asked them why if my account was closed on XX/XX/XXXX, why was n't my credit balance return to me on that date. They said it is policy/systemic that even if an account is closed they wait 60 to 90 days to refund any credit balance. I asked them if my account was closed onXX/XX/XXXX where was the {$3900.00} credit balance. I was told it was in my account. I asked them to square that statement against the one that my account was closed on XX/XX/XXXX. They had no explantion how a closed account could have had {$3900.00} balance other than the 60-90 days refund policy. They said the only reason my credut balance was returned so " quickly '' was becuase I had sent them a letter requesting the refund of the credit balance. <P/>My Account number was:XXXX