davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (IN)

Navient apparently has issues with how they process their debt collection. Never in my life have I - or my wife - had a student loan. However, apparently someone with the same first and last name as me, who happens to live in the same state, has had a student loan, and they decided to not make payments on it. On more than one occasion, Navient has obtained my wife 's phone number and attempted to call me on it, in an attempt to collect a debt I do n't owe. Every time I talk to them, I tell them the debt is not mine. They verify the birthdate does n't match, and they claim that they 'll update their records to remove my wife 's phone number from this other person 's account. And yet, they have n't done it. I 'm tired of getting these phone calls, and I want them to stop.
Consumer complaint received 2017-03-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I reviewed my TransUnion credit report and TransUnion is allowing a charged off account, with the last payment date of XX/XX/2009 to remain on my account. The date of delinquency for this utility bill is clearly past 7 years. 

In good faith I filed a written dispute with TransUnion directly, as required under the FCRA to establish a private right of action. TransUnion only verified the amount as being correct and ignored the part of my dispute as it related to the stale reporting. 

I called TransUnion and they still refuse to comply with the FCRA, even after I advised them to please run XXXX through XXXX so they could see that my threat ( promise ) of a FCRA lawsuit should be taken seriously. 

I do not expect them to do the right thing, but the FCRA allows for punitive damages for a willful violation of the Act. I believe I will be able to meet that element with a direct written dispute, a telephone dispute, and a CFPB dispute. 

I am attaching a copy of the letter to TransUnion, which they ignored the actual subject matter of the letter. 

Please let me know if you need anything else. I will also forward you a copy of the Federal Complaint that I am filing. 

Thank You!
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am disputing the following hard inquiries on all my credit reports to include transunion, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX TransUnionXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXI did voluntarily submit my info to XXXX for refinancing my XXXX chevy chevy cruz. I did not authorize any others above other than XXXX XXXX. Ialso am disputing all hard inquiries on all my credit reports with all bureaus with the exception of XXXX. that was my auto loan. I do want to dispute whyXXXX XXXX XXXX is on there more there more than once? Please look into thisas I do not know or have not authorized places like XXXX XXXX, XXXX, etc to pull my credit. Me and my wife had to amend ourtaxes for tax year XXXX due to identity theft. I am a XXXX of this countryand would like to see these stricken from my record.
Consumer complaint received 2016-06-07
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (VA)

Originally I leased my Dodge Charger from Ally financial the terms seemed pretty reasonable. That is when Ally stopped being customer friendly. I had gone through a financial tough spot in 2013, I was in constant contact with Ally about the payments making sure the lines of communication were up and payments were being made in a timely fashion. 
After I has sent in close to {$2000.00} towards my lease payments, Ally had my car repossesed out of my driveway!! I was in complete shock, thinking that Ally was a reputible company. NOT SO! When I finally got a customer service manager on the line, she was dishonest, rude and very disrespectful.
Consumer complaint received 2016-03-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (PA)

I disputed the negative reporting on my credit file - XXXX XXXX XXXX XXXX. I disputed it with all other credit bureaus and it was not verified - Equifax continues to say it was verified with them, they will not delete the account but they will delete the historical account information. i do not understand what that means, i asked for explanation but i get refused. So i 'm filing a complaint today because I would like to request the " method of verification '' under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). this request is within my rights. when i called equifax in regards to this request the agent told me she was not allowed to give me this information. under the FACT act i 'm entitled to a copy of it.
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have recently been informed that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this company listing Legally paid in full for less than the full balance, closed. I am unaware of Legally paid in full for less than the full balance, closed with this company. I contacted this company via certified mail asking for validation of the debt which was not provided to me. Additionally, please provide the name, address and phone number of each person who personally verified this account, so that I can inquire about how they " verified '' the alleged account, without providing any proof, bearing my signature. An employee looking at a computer screen, seeing my name listed in their database is NOT verification or validation of any debt. Please validate this information with XXXX XXXX. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2016-10-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (MA)

An auto loan of {$17000.00} was taken out on a used vehicle. 
The vehicle was a total loss on XXXX/XXXX/16 due to a XXXX. 
XXXX/XXXX/16 Ally bank fraudulently quoted XXXX XXXX an outstanding loan balance due of {$25000.00}. 
The same day XXXX XXXX issued a payment to lien of {$25000.00} to Ally bank The outstanding amount was actually {$16000.00} which was credited to the account XXXX to pay off the car in full. 
Ally Bank owes me ( $ XXXX {$16000.00} ) = {$9100.00} since XXXX/XXXX/16 over 30 business days since the loan was paid in full. 
I have spent over 10 hours on the phone with Ally Bank which has as of today XXXX/XXXX/16 has said they have not prrocessed any payment to me. My rental car insurance ran out weeks ago. This is outright fraud on the part of Ally Bank. I have no assurance they will ever pay me the money they owe.
Consumer complaint received 2016-04-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (NJ)

the investigation period has been over 30 days without full verification and validation. i attached the initial investigation request. 
XXXX XXXX Card CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file
Consumer complaint received 2016-05-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This was a tax lien that was filed for property taxes. I sold the home on XXXX and I paid the prorated taxes in the closing. Called XXXX XXXX XXXX XXXX XXXX XXXX and since I was the owner for XXXX 2015 the Tax Lien was filed against me. The property taxes was the responsibility of the NEW OWNER. I called the new owner and was told that HE was late paying property taxes. The TAX LIEN was not my responsibility. I have the DEED showing that the property was no longer my responsibility.
Consumer complaint received 2015-10-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (WA)

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XXXX/XXXX/2014 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Consumer complaint received 2023-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX stating I owe this debit. I have filed report after report that this is not mine and I know around the tine when the account was opened my identity was stolen. I had my wallet stolen and drivers license and ss card was all in my wallet. I had a car bought during that time and now a account opened. I am not sure what else to do.
Consumer complaint received 2016-03-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am filing this complaint because TransUnion has ignored my request to provide me with documentation that was used to verify the accounts I previously disputed. Because TransUnion has exceeded the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' of the information I disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-03-18
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Weber & Olcese, PLC (MI)

i was serve with a complaint by XXXX XXXX credit card ... and was in court yesterday and the attorney claims they are employee of XXXX XXXX,, prior to court services when i was serve i call XXXX XXXX card service to get information for this claim.. and i was told that it was charge off and had been given to attorney network ... but the attorney i asked them are they working on behalf of XXXX XXXX and any money that they receive will it be going to XXXX XXXX or a collecting agency, they stated that they where going to forward it to XXXX XXXX that what they told the mediator ... when we know that not true, in the complaint they stated that a copy of the contract was attached and it was enter into valid consideration and lawful and proper purposes and is legally force able in all respect .. but there is no actual contract submitted, they are trying to say the billing statement is the contract, when i told them i did n't open the account that they are pursuing, that it was open with the intent of me being the authorize user, i never new that my information was being use to be the card owner, unaware because i never had a card until later, the person that open the account had the card in there name later when was given to me, with my name i was told that they added me as the authorize user i could use it but i never did, so a ask if they could show me the contract that i sign, which i never did so i disputed it, the attorney stated in the complaint that the plaintiff and the defendant consented to a sum of the credit balance due, no i never did, in the Affidavit it state they are and employer of XXXX XXXX and have personal knowledge of the matter of how capital creates and maintain certain business books and records including computer records of the customer account authorized by them ... when i myself did n't open that account, so that would be consider hearsay, there no proof or contract to that matter that has my signature, i just checked my credit report it states that it was charge off, so why would capital still be personally pursuing this debt, the attorney is making up anything to collect, so i stated to them that i did n't open this account someone else open this account without my permission, they said they are employers of XXXX XXXX so why cant they come up with and actual contract
Consumer complaint received 2023-02-16
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (GA)

XXXX now says that because that 1 page of my modification with XXXX was not signed or filled out by the notary, that my modification is denied. I got a call from XXXX XXXX in their escalation department I asked for a copy of the documents that he had and he was to send them via email but at this time they have not shown up. 
I have been through the documents I have, and the document he is talking about is not there, The only document that was not signed and I could not signed because it had my late Mother 's name on it was the Assumption of the loan document. 
XXXX had control of all the documents from XX/XX/XXXX until they sent them to XXXX sometime in XXXX. At no time did XXXX ever call me or notify me that something was missing from the documents I had submitted. 
XXXX, themselves never looked at the documents until the last 10 days and now they say my modification is denied, but they have yet to produce these docs or this 1 incomplete document. Further more, I have a Covid, forebearance in place and neither XXXX nor XXXX has yet to correct all the accounting, on the loan, I have shown both Shellpoint and XXXX the insurance on the property that it is paid by the XXXX fees, and yet neither have ever credited or removed the forced insurance they placed on the property. 
When I called this AM with XXXX XXXX  XXXX XXXX, on a recorded line and asked to speak to XXXX XXXX XXXX or his supervisor we were told that XXXX could not speak to us because I have filed a complaint with CFPB, then there was a change of mind and XXXX would call me back, as of this evening, I am still waiting. His supervisor, XXXX XXXX, has not. 
Further more XXXX is telling me to pay {$100.00}, XXXX to reinstate my loan or they will foreclose on XX/XX/XXXX. After the CFPB says differently and a payment plan should be worked out.
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

several weeks ago i noticed that on my credit report with transunion that the XXXX inquiries that were on my credit report were deleted and now has reappeared on my report. here are the companies that was removed and now has reappeared. XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 and XXXX XXXX/XXXX/16. I have called several times and have been rerouted disconnected sent to voicemail. The excuse that i was given is Yes we can delete these inquiries however because your account has a fraud alert we are unable to remove it ( which I have sent transunion a certified letter requesting for them to remove this from my credit file to no avail its still there but thats another issue. Lets just focus on on the removal on the reinserted inquiries ) .. this is what a representative told me from XXXX as well as a XXXX special handling representative. 
Transunion is well aware that they are in violation of the FCRA 611. that advise that notification must be mailed out within 5 business days before reinsertion. I would like these inquiries to be immediately removed. I am tired of being given the run around my next step will be to go beyond the XXXX if this problem is not immediately resolved. Thank you for this attention in this matter
Consumer complaint received 2016-11-11
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (VA)

Hi, My friend refereed me for Discover Credit Card and me & my wife jointly applied for the credit card. We XXXX in XXXX 2016 & I hold other bank credit card since XXXX 2016 with good history. But my discover credit card was rejected saying " No long Credit History ''. 

But the person who refereed me + other person from my company got Discover credit card XXXX within 2/3 months, applied to Credit Card & they got it WITHOUT any history of Credit / Credit card. 

It seems either out of discrimination Discover card is not approving my Card OR they are not letting me know the correct reason for not approving my card. I had filled the complain with their call center but not getting any proper answer from them
Consumer complaint received 2015-05-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (OR)

In 2007 I enrolled at the XXXX XXXX XXXX California XXXX XXXX XXXX hoping to obtain a XXXX Degree. I spoke with the financial directors and determined that I would need XXXX Federal Loans and I also chose to apply for a Tuition Answer Loan totaling XXXX. I spent XXXX semesters at the facility before determining that this was not the career path I had chosen. I had already cashed the XXXX XXXX XXXX and was using it. I did not return that money, however I un-enrolled from the school immediately. Approximately XXXX year later I began receiving debt collection letters from XXXX additional private loans that I gad not signed for. These loans totaled XXXX. I contacted the school who stated that the loans had gone to collections and were no longer the responsibility of XXXX XXXX. I began contacting the debt collectors and was informed that in XXXX of 2007 I apparently went to a XXXX XXXX to cash these checks. I asked for the signature paperwork, they said they would send it to me, I stopped receiving phone calls. XXXX moth after I contacted the " phone number '' I had been given by the school to find it had been disconnected. It has now been several years and every time I get a letter I call demanding the written signature that allowed for these checks to be cashed in my name. I have refused to make any payments to XXXX XXXX or XXXX until this documentation has been provided. I am now planning on filing a small claim in court to have these false loans dismissed.
Consumer complaint received 2015-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: DISCOVER BANK (AZ)

I am currently paying off a Discover Loan through XXXX XXXX XXXX law firm ( debt collector ) and I have been since XXXX 2012. XXXX XXXX XXXX, XXXX are now trying to collect on the SAME debt!
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Date XXXX/XXXX/XXXX Creditor XXXX sent account number XXXX paid in full documents to XXXX and Trans Union-As of Date XXXX/XXXX/XXXX this bill has not been removed from my credit files/reports.
Consumer complaint received 2016-03-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My complaint goes back to XXXX XXXX with XXXX XXXX of XXXX XXXX, I was advised that the information needed to be filed with the corporate office. When I sent the information in to corporate they advised me that they could n't find me in the achieve file and that I would have needed to contact the place where the transaction happen. Once I did that I did n't get anywhere with the general manager who stated that since the other person know longer worked there he could n't really help me and the inquiry should be falling off in XX/XX/XXXX.
Consumer complaint received 2015-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I wanted to know when PMI is removed from my loan. I checked consumer finance & read that PMI should be dropped once my loan had reached 78 % of what the value of home was @ time of purchase. I called BOA & received a denial letter stating that their requirement is 75 % of the loan amount rather than the value of home.My home was valued {$20000.00} more than we bought home. Then they told me that I could have my home reappraised to prove it did n't lose value. When I called on XXXX different occasions, I kept asking why they do it based on loan amount rather than value & what good does an appraisal do if it 's based on loan amount? XXXX Rep told me the appraisal would n't really help my situation. So my next question was, why was a {$600.00} appraisal even suggested- it would have been an expensive waste of time. XXXX Reps agreed with me, but never answered XXXX. Why is it based on loan amount & not value and why XXXX instead of XXXX. XXXX. Why was the appraisal suggested if it was n't going to benefit my situation. I 'm very frustrated that they have different rules and extremely upset that they suggested a costly and non beneficial appraisal.
Consumer complaint received 2015-09-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have had a very difficult time with Bank of America. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. My rep XXXX XXXX XXXX never returned any phone calls. Bank of America always seemed to lose my paper work, which I constantly had to re fax. I am XXXX years old and had a XXXX. I feel behind my mortgage. I am now over my hardship an can afford my mortgage.