davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

All my answer are None of the above but i can no see my credit report. I did n't live at XXXX ... never in XXXX The security of your information is our priority and it is of utmost importance. Please help us confirm your identity by providing answers to some questions below. 
1. Your credit file indicates you may have a retail card, opened in or around XX/XX/XXXX. Who is the credit provider for this account? 
XXXX NONE OF THE ABOVE 2. Your credit file indicates you may have a bank card, opened in or around XX/XX/XXXX. Who is the credit provider for this account? 
XXXX NONE OF THE ABOVE 3. Your credit file indicates you may have an auto loan/lease, opened in or around XX/XX/XXXX. Who is the credit provider for this account? 
XXXX NONE OF THE ABOVE 4. What is the total monthly payment for the above-referenced account? 
{$600.00} - {$640.00} {$650.00} - {$690.00} {$700.00} - {$740.00} {$750.00} - {$790.00} NONE OF THE ABOVE
Consumer complaint received 2015-11-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (DC)

I am presently going through a judicial foreclosure in XXXX. I am not trying to keep the property but have told the Court I would like to sell. There is equity in the property. I am challenging the amount the Servicer is claiming I owe. The Court ordered discovery from both the Plaintiff and Defendant which included payment history. I complied with the payment history I could gather. This history is from XXXX to present. However, the Servicer 's initial history only went from part of XXXX until XXXX. After many requests they finally submitted the payment history 2 days before mediation. When the Servicer 's history was examined gross mistakes were discovered. XXXX of the most egregious is that a foreclosure was instituted when all payments were up to date ( this was done in XXXX ). Since I was not aware of this I agreed to a repayment schedule. After signing the repayment agreement which involved arrears, attorney 's fees, and other fees, I examine the document and found that after six months there was to be a balloon payment of {$14000.00} plus. I contacted the Servicer and asked for a modification because I knew I would not be able to afford the balloon payment. The Servicer then offered me a modification which entailed adding the {$14000.00} plus to my principal. ( This modification was interest only ). I did not fill out any application. I simply received a telephone call from an agent of the Servicer and asked if I wanted a modification I answered yes. He then said he would send me the paperwork. As I remember the modification was XXXX pages long. It is only now after examining the paperwork that was submitted by myself and the Servicer that I discovered this information. 
The Servicer has been asked many times for a detail accounting of all payments, fees and escrow items paid. They have not been forthcoming. Even their own attorney claims that he has tried to get them. So my complaint entails the following : ( 1 ) illegal notice of foreclosure ; ( 2 ) late posting and in some instances no posting of payments ; ( 3 ) illegal adding money to my principal ; ( 4 ) Under reporting of interest payments to IRS and thus depriving me of addition mortgage interest deductions ; ( 5 ) and I am questioning the standing of the assigned Trustee to bring this suit. The Trustee says and I ( quote ) Please note the Trust is the owner of the mortgage and note, not the Trustee. The Servicer is the party to the trust that has the authority and responsibility to make decisions and take action regarding individual mortgage loans in the Trust. The trustee has no authority or responsibility to review and or approve or disapprove of these decisions and actions. It is the Servicer who has taken all action regarding this property and is the proper party to address your concerns. ( unquote ) This is in a letter I received from US Bank who is cited as the Plaintiff in my judicial foreclosure. 
I would appreciate you looking into the matter.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I write to you with deep concern and dissatisfaction regarding the unauthorized inclusion of information in my consumer report, a clear violation of 15 U.S. Code 1681b. This complaint serves as an official dispute, urging your agency to conduct an immediate and thorough investigation into this serious breach of my rights. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX I am writing to dispute the accuracy of the information contained in my consumer credit report. Upon recent review, I have discovered entries that violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which mandates the maximum possible accuracy of information in a consumer 's file. Furthermore, the entries in question were reported without my written permission, contravening the requirements outlined in 15 U.S. Code 1681b ( 2 ) of the FCRA. As such, I request an immediate, comprehensive, and impartial investigation into these entries. I expect a detailed response outlining the findings of this investigation, including the original written instructions from me ( The consumer ) with my wet signature. Moreover, I am not aware of any legitimate purpose for reporting these late payments, and I affirm that I did not authorize the reporting of such information to your agency by XXXX. Therefore, in accordance with Section 604 ( a ) ( 3 ) of the FCRA, I demand a thorough investigation into these disputed late payments, along with written confirmation of the investigation 's completion and details of any actions taken to rectify this matter. Additionally, I request documentation, including the periodic statement and tracking number, to prove that each periodic statement was delivered to me at least 21 days before the payment due date, as mandated by 15 U.S. Code 1666b. Failure to comply with the legal requirements outlined in this letter will necessitate pursuing all available legal remedies to address this violation of my rights under the FCRA. I trust that your agency will approach this matter with the urgency and seriousness it deserves. I anticipate your immediate attention to this dispute and the initiation of necessary actions to rectify the unauthorized reporting.
Consumer complaint received 2016-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have evidence that an imposter stole my social security number. They have made several attempts to have duplicate credit cards belonging to myself sent to a fraudulent address. Therefore stealing my identity. I have reason to believe they may have obtained a copy of my credit report. The fraudulent address appearing on my TransUnion credit report is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Please respond.
Consumer complaint received 2020-06-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XX/XX/2020, i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX  Transunion & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.
Consumer complaint received 2020-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am a victim of identity theft my wallet with all my personal information was stolen and used to open unauthorized accounts. Enclosed is a copy of my police report and proof of identity. 
XXXX XXXX  XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX Are accounts open due to identity theft.
Consumer complaint received 2016-10-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

We have been with Nationstar Mortgage for over 2 years. Our original loan was a principal/interest loan, when it was sold ( previously to XXXX ) it changed to include an escrow account. 2 mortgage companies later, we are at Nationstar Mortgage. Last XXXX, we were hit with an unusually high electric bill as well as having an accident in our RV. I fell behind 2 months on our payments. We tried to modify. On our 3rd trial payment, I realized that our 2nd trial payment was returned. So, I tried to reapply at their suggestion. These 3 trial payments were put to the back end of our loan, not the past due months, therefore by this time, it looked like e ere 4 months behind. In the meantime, they decided that we " make too much money '' and could therefore afford our original payments and denied the 2nd application. By the time we got things figured out, they required me to make 9 of said-12 late payments, draining our entire savings. I think this should have caught us up but it did n't. Anyway, I kept us at 2 months behind by continuing to make a payment each month since I could not afford to pay extra to catch up, hoping to catch up with my husband 's XXXX bonus. I missed a payment deadline by 1 day and now they will no longer accept my payments unless I can come up with 3 payments. They will not work with us in any other way. Because of all of this, our credit is shot and because of that, can not modify or refinance with anyone. At least when we were still with XXXX, they were willing to work with us when they added on the escrow acct, Nationstar is beyond not helpful. Oh, and my " account specialist '' is never at her phone, at least 3 times has told me that she had n't received emails because she left early, and seems to know less about my account than the other customer service reps in the call center. Another thing is that when I sign on to my account, I get a big msg " due to XXXX, our interest rates have gone down. Ask how we can lower your payment '', they told me we make enough money and do n't need our interest rate lowered!
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I can not get my free XXXX even though I send in the correct information. I have been denied. I tried by phone and the response to my information recorded was unlegible I could not understand the recording I had made and I was not able to get an agent or operator on the call. I Went online and was denied my XXXX and I am seeking information on how I can get this report from all three credit reporting company 's. By the free XXXX which I believed to be associated with the United States Government under Federal Government approval.
Consumer complaint received 2016-02-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC (TX)

I purchased my first home in XXXX XXXX. 
My home was financed through Pacific Union. Payment was set at {$1700.00} per month. 
In XXXX I received a letter in the mail stating that I had an escrow deficit of {$10000.00}. I repeatedly asked Pacific Union why it took them 2 years to notify of the escrow deficit. To this day they have not been able to give me a straight answer. My mortgage payment increased to {$2900.00} per month. I asked if they could refinance my loan to bring it back to a payment i can afford. They immediately told me they could not help me until i paid the {$10000.00} escrow deficit. I proceeded to find another mortgage company. 
XXXX XXXX approved my loan application with the escrow deficit and proceeded to purchase the loan from Pacific Union. XXXX XXXX told me since they were buying my loan i would not have to pay the following month until the following month. At this time Pacific Union called me and stated they did not want to loose me as a customer and stated they would refinance my loan. I responded to them if they can get me back to a payment i can afford i would stay with them. Unfortunately, the XX/XX/XXXX payment with Pacific Union was late due to my original plan of moving forward with XXXX XXXX. Pacific did not call me or get back to me on the status of my loan. I called them repeatedly and was finally able to get a response from them in XX/XX/XXXX. They denied my refinance due to the late and stated they could not help. My payment has gone down from {$2900.00} to {$2400.00} since i have been paying the escrow deficit. 
I do not understand how a Mortgage company can treat a new home buyer as myself with such lack of care, sympathy, and professionalism. My only option at this point is to sell the very first home i purchased because i can not afford to continue paying over {$2000.00} a month.
Consumer complaint received 2015-09-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Not only did this company not address my issue, I am struggling to make any sense of their response. 

First, I have held this FHA loan for greater than XXXX years, thus the necessary time frame has passed for me to get removal of my PMI, pursuant to FHA guidelines. Second, PMI can be lifted once my equity amount has increased to a certain percentage. The numbers Nationstar 's is basing its numbers on in its letter dated XX/XX/XXXX are based on the numbers of my LTV ratio when it was appraised and purchased in XX/XX/XXXX. 

My condo has appreciated in value since then, thus the LTV is different. I am looking to get an appraiser to come in XX/XX/XXXX and appraise the property so that I can ascertain its current value and get my PMI lifted. Nationstar is telling me I have to use XXXX of their appraisers and that I can not get XXXX of my own licensed and bonded appraisers to value the property in XX/XX/XXXX. The letter I received from Nationstar today suggests that they are skirting the issue and not answering ( nor sending ) me the authority that says I need to use XXXX of their appraisers. 

Again : I want the authority that says I have to use a Nationstar appraiser in XX/XX/XXXX since Nationstar says I have to use XXXX of their appraisers. I want said authority sent to me. 

Since Nationstar has made the terms of my FHA loan an issue, please send me the authority that says I can not get my PMI lifted once my LTV ratio meets certain amounts. 

I have been very clear about my requests. This is now the XXXX time I have requested the same thing.
Consumer complaint received 2024-08-10
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. (SC)

I discovered an account with XXXX XXXX XXXX listed on my credit report with a balance of {$1300.00}. This account is inaccurate and does not belong to me. I immediately contacted XXXX XXXX XXXX to dispute this erroneous collection. Despite my efforts, including submitting a formal dispute and providing supporting documentation, the company has failed to remove the incorrect information. This negative entry is unjustly impacting my credit score.
Consumer complaint received 2015-08-21
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ALLY FINANCIAL INC. (GA)

Ally bank continues to call my cell phone, after numerous requests to stop, asking for someone that is not me or anyone in my household. In order to find out exactly who they are, because they only provide their first name, I find out they are from Ally bank. They call at XXXX at night and throughout the day. I 've asked several times for them to stop calling my number. I get, " we will put this in your record. '' How do I have a record at Ally bank? I do not bank with Ally bank. I have never banked with Ally bank. I do not have loans or debt that I am responsible for with Ally bank..
Consumer complaint received 2016-11-11
Product: Credit card — 
Issue: Balance transfer — 
Company: PNC Bank N.A. (IL)

I received a Balance Transfer Offer in the mail from PNC, where I have a credit card. I went online and submittedt the request. The receiving credit card never received the check. I have called PNC repeatedly and have not received any answers as to why this was never received, although they have posted this charge to my account. They have finally agreed to re-issue the check. My complaint is that if I was not diligent in following up on this matter, I would have had a {$2000.00} charge on my account with no payment received. In addtion, PNC phone representatives have been severely lacking in their ability to address this matter.
Consumer complaint received 2016-07-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IL)

XXXX of XXXX a check was deposited at the ATM. XXXX.receipt showed $ XXXX.I called the bank.they said a one time check would b credited.had2wait a few days.XX/XX/XXXX I got a letter credit was being taken back.I called 2get a understanding.Told everything 's OK.XX/XX/XXXX, I call checking my debit card.said I was negative $ XXXX.shocked.I called crying.y? Told bank gave2credits. $ XXXX $ XXXX.all day calling crying.bank is right I am wrong.I am a XXXX XXXX.my daughter had the card.if there were2credit she had2spend it.I beg the bankers make arrangements.that was my whole check4my bills.they said no+took all my money.now I can not pay bills or rent.I got no respect.8yrs I have been with chas.
Consumer complaint received 2016-11-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (TX)

Fed Loan Servicing began to furnish my student loans at the end of XXXX 2013, so my payment with them should have started in XXXX 2013. They are reporting that as of XXXX 2013 my payments to THEM were 180 days late, they also reported the same in XXXX 2013. As of XXXX XXXX 2013 Fed Loan Servicing my accounts for a total of 36 days and on XXXX XXXX 2013 the total was 67 days, since they had only held my accounts for that amount of time its impossible for my loan payment to THEM to be 180 days late. I was also granted a forbearance from them to cover the months I have listed here. The argument they give is that the forbearance was granted to bring my account in good standing and that the information that was reported to the credit bureaus will stay on my report because it had been reported before my forbearance was granted. They said that the late payments wont be removed regardless of the forbearance because it was reported accurately at the time. Which brings me back to the beginning, how is it possible for a company that had only been servicing my loans for 37 days report that I was late making payments to THEM by 180 days on 2 separate months. Its mathematically impossible.
Consumer complaint received 2017-03-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (SC)

The original company that did my two private student loans transferred all of their loans to First Marks Services. Since the transfer has happened my loans were put under the wrong status, as in one of loans said I was in repayment while the other said I am still in school. I am still in school. It took four phone calls and over a month for them to fix this issue. This month I paid the amount that my bill said was due XXXX. My payments are due every XX/XX/XXXX of every month. This month was no different, the website I make payments on told me my amount due was XXXX due by XX/XX/2017. I paid that exact amount several days early on XX/XX/2017 and I look at the website again today on XX/XX/2017 and they have added more money XXXX that they said is due this month by XX/XX/2017. The customer service is of no help and they have yelled at me and hung up on me. I have called 3 times in the past hour and have been hung up on 3 times. They only called back once. The only thing they say is that I should not have made a payment.
Consumer complaint received 2016-05-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Dynamic Recovery Solutions, LLC (TX)

On XXXX XXXX, 2016 at XXXX, I received a voicemail message from Dynamic Recovery Solutions from phone number ( XXXX ) XXXX stating that there was a " matter to discuss in our office ''. The message asked me to call back a phone number XXXX. I promptly called back the number requested on the message. I spoke to a representative who refused to give me any information without disclosing my social security number. I refused to disclose my social security number since I did not know who they were and how they obtained my information. I requested that any debt collection information should be sent to me in writing. 
I did not receive a dunning letter from Dynamic Recovery Solutions until XXXX/XXXX/2016 with a letter dated XXXX/XXXX/16. This is in violation of the Federal Debt Collection Practices act that requires a written or verbal notice within 5 days of intitial contact containing : 1.The amount of the debt 2.The name of the creditor 3.A statement noting the debt will be considered valid unless disputed within 30 days 4.Notice that the debt collector will send a verification and validation of the debt if the request is made within 30 days. 

I did not receive this notice until well after the five days of initial contact.
Consumer complaint received 2015-05-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MN)

American Education Services has a ridiculous interest rate type & percentage that changes monthly, making it nearly impossible to pay off a student loan in a lifetime. When I call, employees are rude, and are n't able to describe how my interest rate works, and is calculated, or how/why payments were applied as they were. With the repayment plan they have me in now, I will be paying over {$30000.00} for a less than {$10000.00} loan and will be paying until at least XX/XX/XXXX, for a loan that was taken out in XX/XX/XXXX. In the past 9 months I made extra payments in some months to try to get the principle to drop. In the past 9 months of the over {$2400.00} I have paid only {$1600.00} has gone came off the principal.