davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-11
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I have contacted XXXX and XXXX XXXX XXXX   several times concerning my inquiries and they have refused to remove the fraudalent inquiries and accounts off of my credit report. This is causing me major financial damage. Also USAA Savings Bank is reporting a fraudalent auto loan in my name. XXXX XXXX XXXX XXXX is also doing the same thing. I have been a victim of identity theft and all of these companies have failed to correct the inaccurate information. XXXX is also reporting collection accounts for student loans. These companies need to be made liable for iaccurate reporting and are violating my federal rights under all of the FCRA 605, 623, AND 611. IF INFORMATION IS NOT CORRECTED MY ATTORNEY HAS NOTIFIED ME WE WILL GO TO FEDERAL COURT FOR SERIOUS COMPENSATION AS WELL AS MY FEES PAID FOR LEGAL SERVICES.
Consumer complaint received 2020-06-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MO)

I applied for a refinance with quicken loans and was denied because of to much debt. I sent them many different documents explaining that the loans that they were referencing were paid by my business and not me personally but they continue to deny me. I ask that it be looked at and my original contact XXXX XXXX said he would look further into it and get back to me. I never received any notice in the mail or a call back from XXXX. I just tried to login and I was shut out of the portal. Still havent received a clear explanation because I provided everything then asked for multiple times.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Monterey Financial Services LLC (OH)

I paid off the balance. They sent me a letter saying I still owed money and was 60 days late. I then paid the amount they say I owed and will still not remove the 60 days late.
Consumer complaint received 2017-09-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION (NH)

My daughter wants me co-sign on her loan. I read through the documentation and can not find a clause where it states there is no prepayment penalty, ( since I do n't want to pay 8 % for 15 years ). I called Sallie Mae and both an employee and manager told me that they do n't have it written anywhere. It 's implied. Well I do n't think that is legal. In every bank I ever dealt with there is always a disclosure statement that tells you the rates and rules of the loan. I find it hard to believe that Sallie Mae does n't do this and no one has ever brought it to their attention. My concern is that I would like to see it in writing that there is no prepayment penalty before I sign the loan. Thank you for looking into this matter.
Consumer complaint received 2017-09-25
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (NY)

Commenity Bank called my father on XXXX/XXXX, XXXX/XXXX and XXXX/XXXX at which time they disclosed my debt concerns with him. They also called my brother on XXXX/XXXX and disclosed that I am in debt and stated that I had until XXXX today to call them back or they were going to take legal action against me, they left this information in a voicemail to him. No one in my family was aware of my situation until these calls were made. This was private and has cause a great deal of public embarrassment for me. 

I did call them back and have set up payment arrangements. I however would like to know if legal action is appropriate in my case. 

I called and spoke to them multiple times to advise them the medical reason that I fell behind in my accounts. I asked them to stop calling me while I was at work as I am unable to answer my phone while there.
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (PA)

Dear Aldous Associates, I am writing to formally request validation of the debt you claim I owe, as permitted under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have received several correspondences from your office regarding this matter, but I believe there may be an error, and I do not acknowledge this debt. 

To ensure accuracy and compliance, please provide me with the following : A copy of the original assignment contract or agreement that verifies your right to collect on this debt. 
A detailed statement of the amount owed, including any fees or interest. 
Evidence that this debt is within the statute of limitations. 
Until this information is provided, I request that you cease all collection activities regarding this debt. Please be aware that continued attempts to collect on this debt without proper validation may constitute a violation of the FDCPA. 

I appreciate your prompt attention to this matter and expect a response within 30 days as mandated by the FDCPA. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I have submitted proof of insurance on two occasions to my mortgage services, Shellpoint Mortgage Servicing. Regardless of this fact, the mortgage servicer is insisting on purchasing " lender-placed insurance on [ my ] property..The premium will be charged to [ my ] escrow account. '' I have spoken multiple times with Shellpoint representatives, so there can be no mistake that these needless threats and this unwarranted abuse is intentional. I am afraid that this will escalate to a foreclosure, SINCE THE MORTGAGE SERVICER HAS BEEN COMPLETELY UNREASONABLE AND HAS NO IDEA WHAT IT IS DOING OR IS MALICIOUS.
Consumer complaint received 2020-06-11
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: EQUIFAX, INC. (TX)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Equifax is reporting a current balance of {$260.00}. This account should report a {$0.00} balance and {$0.00} past due. There is no outstanding balance due. Please keep in mind it would be impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-06-11
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. (AL)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.
Consumer complaint received 2017-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Prosper Marketplace, Inc. (NJ)

On X/XX/2017 I was on the Prosper site inquiring about a possible loan, # XXXX. The site offers a credit score ( rate ) check that will not affect the consumers credit score. It stated that a soft pull would be completed and not a hard pull. I am moving through the application not fully understanding that this was an actual credit application. No where on the site or statement did it say if you go any further a hard pull ( inquiry ) would be required. I later called customer service to ask before moving any further and was told I should expect that it would be a hard inquiry since it is credit related. I followed up by stating that no where did the application ask for authorization to pull my credit profile. Also, the customer representative telling me the truth in lending statement states a credit pull is necessary and then once he checks and he realizes that it does n't say a credit pull is required, then he states '' well you should have figured that out '' is an unacceptable business practice. My response to the rep is that most alternative loan sites do n't normally do hard pulls so you can not assume all consumers will understand that. It is also misleading because no where on the site does it inform the consumer that a hard inquiry is required to apply. I do not want a loan and was only researching rates and would like the credit pull removed from my XXXX XXXX profile. I should not be penalized because the site is not transparent. Lastly, why not be willing to help once you confirmed that the site is vague and confusing.
Consumer complaint received 2017-06-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Hanna Holdings Inc (PA)

Howard Hanna mo rtgage wanted me to close  XXXX  credit cards and pay them in full at  XXXX  bank and give proof that it occurred. They did n't specify how the proof was needed.   XXXX   credit cards were paid in full and closed prior to closing however the mortgage company then further detailed that the credit card company had to email me a letter stating that this occurred. That was against the guidelines of the card company. They would only send a letter which could take weeks that stated that the account was closed. I pleaded with them but they would not budge. They did agree to verbally explain that they were paid and closed but the mortgage company would not allow that to happen. I 've tried to explain that they are requiring me to provide something that can not be provided. I now worry that the loan will not close because of this and I wo n't get the house.
Consumer complaint received 2017-07-23
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: Total Card, Inc. (CA)

I filed complaints XXXX, XXXX and XXXX. While the results from XXXX re investigation end in removal of the accounts in question from my credit report something is terribly wrong between the CBs investigations or the company XXXX XXXX XXXX XXXX XXXXXXXX XXXX is deliberately reporting different information to the different credit bureaus ... .someone is providing false information because XXXX claims to have updated the information. Furthermore, the accounts in question have yet to be removed from my reports in complaint XXXX. I try and have patience regarding these matters but the CBs seem not to have a problem putting the information on my report the same day it should be removed as well in a timely manner. I refuse to allow this to keep happening and will continue to complain until this matter has been satisfied. If the accounts are verified as mine then I will not deny them but playing around with my credit is doing serious damage to my credit and the next step will be a law suit. I have tried contacting XXXX by phone and the website and it says that the system can not access my account due to on going disputes but claims I can view the status ..but will not let me as of X/XX/2017
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I had a XXXX XXXX credit card. That credit card got stolen and a balance was run-up. I called and reported it along with a police report. 
XXXX XXXX did not do anything about it. They denied me and insisted the claim was false. The claim is not false, someone did, in fact, steal my card. 
XXXX XXXX did not honor its zero fraud policy. 
Now they plan on sending the balance on that card to collections. 
I will have a bad credit score because this company failed to honor its fraud policies.
Consumer complaint received 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I noticed this on my credit report - I do n't know what this is. I requested validation from them as soon as I saw it, XXXX send by XXXX with proof, attached ). They have different names listed with the same address. It is listed under XXXX as. XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX, ( XXXX ) XXXX. Listed under XXXX as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. Listed under transuion as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI, XXXX They have failed to validate over and over. According to federal law, if they do not provide me the validation information in a timely fashion, they can not hold me liable, especially when I have no idea what it is for. They have not provided it. I contacted the XXXX credit reporting agencies. I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the agency, asking them to validate my debts, and the receipts showing that I sent these letter. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I have also requested this information before and they failed to respond
Consumer complaint received 2020-04-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION (TN)

This complaint is against Credit Acceptance Corporation. First I have the picture of the vehicle which is a total loss. Second the GAP insurance company that process the claim. Is not the company listed on the original retail installment contract. Third the amount owed on the car and blue book value of a 2010 XXXX XXXX with XXXX miles in Good condition was LESS than what the insurance company would have to pay for repairs. The vehicle is a Total Loss. Credit Acceptance Corporation practice unfair business practices against minority groups to gain profit.
Consumer complaint received 2020-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MI)

Every! Single! Time! I attempt to receive information from Fedloan servicing it is incorrect or simply " unavailable ''. I have been correctly and consistently repaying my student loans since I began payoff several years ago. Every time I submit my ECF form to update my payments, my estimated eligibility date is moved and my payment count is incorrect. I have fought with them on no less that ten occasions regarding my payment count and I still believe it to be incorrect but it is simply their word against mine. 

When I filled out my first ECF, after paying my loans for something like six years, I was told 2 of my payments counted on two of my loans and 15 counted on my other loans. This itself doesn't make sense because my payments have always included all loans. After disputing with several agents, all of whom couldn't give a rats about my problem, they updated my count. I still don't believe it to be correct, but at least its consistent across the board. 

This month, I have faithfully re-submitted my ECF for the year, and despite the payment history literally showing on my account, they updated my payment count to 7 ( out of 12 months ) and pushed my eligibility date out by 7 months. I believe the error is due to the fact that when I applied for forgiveness ( knowing fully I would be denied, in order to apply for TEPSLF [ what a XXXX  system! ] ) they updated my count. 
They updated my count in XX/XX/XXXX but the letter attached only counted payments through XX/XX/XXXX : XX/XX/XXXX to XX/XX/XXXX is 7 months, so that would mean XXXX-XX/XX/XXXX has been overlooked. 

Additionally, I am aware that I have had several years of payments under the Graduated repayment plan, which I know and understand does not count toward PSLF. However, Fedloan is unable/unwilling to give me that count, and will only tell me I am denied under TEPSLF. They will not give me an estimated TEPSLF eligibility date including those payments. So essentially, I need to guess at when I've reached 120, in order to request TEPSLF. If I am off my one month, my TEPSLF will be denied, and I will not know how far off I was. 

I am so tired of this company and would do anything to go back to XXXX. I understand this is a nationwide problem and this company has failed in every aspect of its responsibility. I don't know why the world will not stand up to this issue, and rescind the responsibility of this program from Fedloan. They can not handle this, nor do I believe they want to. 

For the love of God, please help us. We are desperate.
Consumer complaint received 2017-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NV)

On  XXXX   XXXX ,  2017  I asked Nationstar Mortgage to terminate PMI on our mortgage since we reached the 80 %  LTV (  {$380000.00} appraised value - $ {$300000.00} mortgage balance ). A new appraisal had been completed confirming that multiple upgrades had been completed after we had purchased our home which increased the value. I spoke to the PMI department including a supervisor and was denied verbally because the investor rules were 75  % LTV  from the original home value for PMI to be terminated. After a lengthy discussion on the Affordable Housing Act and the CFPB, I was finally given an email address to send an appeal for the denial to be reviewed. The first email address I was given did not  work (  XXXX  )  and I had to call a  2nd ti me to get another email address that worked. I sent the email requesting the appeal with a copy of the appraisal, CFPB 's  XXXX  bulletin, and a request PMI be terminated. This all occurred on the same day  XXXX   XXXX . I had not received a response so I called today,  XXXX   XXXX ,  2017  to inquire about our appeal to the PMI department and was told that our appeal had been denied. I asked why I had n't received anything in writing and was told they mail denials in bulk and my letter has not been mailed yet.  XXXX , my PMI agent today, said he was able to get a copy of the letter and will mail the letter today. After explaining that I will be filing a complaint with the CFPB,  XXXX  asked if I wanted to speak to a supervisor but told him no since it did n't work the last time I spoke to a supervisor.
Consumer complaint received 2019-12-27
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: EQUIFAX, INC. (FL)

Equifax refuses to Investigate disputed questionable inquiries that have been disputed online and by mail. Equifax simply sends a notice stating the inquiries are a factual record of my credit report.Equifax states contact the creditor if the inquiry is unauthoruzed. The credit bureaus have a duty to investigate any inaccurate reported information. Equifax is intentionally ignoring the law by failing to dispute the inquiries, failing to provide proof of any credit applications verifying my social security number, date of birth, and my signature, no verification of method of verification or name of the person whom they verified the inquiry is accurate or verified. Equifax is simply refusing to abide by FCRA law.
Consumer complaint received 2020-06-11
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: EQUIFAX, INC. (AR)

I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 
XXXX {$120.00}
Consumer complaint received 2020-04-28
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. (TX)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

US DEP ED XXXX {$7800.00} XXXX XXXX XXXX {$3700.00} XXXX  XXXX {$180.00} XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$160.00} XXXX  XXXX {$620.00} XXXX  XXXX  XXXX {$400.00} XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX {$420.00} XXXX   XXXX {$140.00} XXXX  XXXX {$12000.00} XXXX  XXXX  XXXX {$17000.00} XXXX XXXX XXXX {$180.00} XXXX  XXXX {$390.00}