davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-02
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: Experian Information Solutions Inc. (PA)

In XX/XX/XXXX I was laid off from my position due to Covid19. I have a small car loan with XXXX XXXX, and they agreed to a forbearance program for the months of XXXX through XXXX. When the 3 months expired, I called and asked them for an extension, in which they agreed to. They stated that I had to sign a new agreement form and send it back to them. Upon receiving the new form, I signed it and sent it back immediately. I did not hear anything more from them so I did not make my XXXX and XXXX payments. At the beginning of XXXX I received a phone call from XXXX XXXX XXXX collection department stating that I was behind on my payments. I explained that I had an agreement that I would not have to make the payments for the months that they claimed I was delinquent, and they stated that they did not received my signed form back so they did not put the agreement through. I never received any notice up until this point that they had not received the form, or that any payment was being considered late. I asked the girl if I should pay something in order to not have my credit effected, and she stated that she was going to send a new form and as long as I signed it and sent it back that I would be fine. I did so immediately. A week later, I received a notice from Experian ( whom I have a monthly monitoring service with ) that XXXX XXXX had reported a 30 and 60 day late on my credit report for the months of XXXX and XX/XX/2020. I immediately called them and they claimed that there was nothing that they could do. I filed a dispute with all major credit reporting companies and the results came back that they took the 30 day off for XX/XX/2020, and kept the XXXX delinquency on my report, changing it to a 30 day late. I have now re-disputed my case with all credit agencies 3 times, providing the documents from XXXX XXXX that prove I was not to make my payment for that month. The results continue to come back the same, XXXX XXXX refuses to remove this from my credit report. I have also contacted XXXX XXXX numerous times only to be told that they will not help me. I am XXXX years old and have never in my life had a single late payment. My credit has dropped 100 points due to this and I am hoping that someone can help me to get this removed from my credit like it should have been from the beginning.
Consumer complaint received 2021-02-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

My problem began when XXXX XXXX transferred my mortgage to Specialized Loan Servicing. When Covid hit the problem became a nightmare. I applied for a forbearance loan in XXXX of 2020 and after 10 months of constant phone calls and letters I finally refinanced with another company. This was the only was I could afford to keep my house. Specialized Loan Servicing mishandled everything from beginning to end. Paperwork shows that all documentation was received and yet they also sent notice of intent to file foreclosure. The majority of people in this country were able to have the payments during forbearance tacked on the end of their loan. What I got for missing three payments of Principal and Interest was a balloon payment of {$29000.00}. tacked on the end of my loan. They manipulated everything that began as a forbearance to what they then called a deferment to what became a " modification '' of which I did not sign or approve. 

In addition to this when I finally closed with a new lender, they overcharged me interest for an additional 21 days after closing and hit my credit.
Consumer complaint received 2020-12-31
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5100.00}, {$2200.00}, {$9600.00}, {$4100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 


-- XXXX XXXX 4. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$4100.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-04-17
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. (TN)

I have contacted XXXX, XXXX, and Transunion in reference to this fraudulent account : XXXX in the amount of {$930.00} that reflects my credit report. I have contacted all listed agencies and creditors via mail 4 times. I provided them all with all the requested items to have the account removed from my credit profile. This items still remains on my credit.
Consumer complaint received 2021-01-01
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (VA)

The loan officer ( XXXX XXXX ) I am using is an independent broker ( XXXX XXXX XXXX  XXXX ) servicing for Caliber home loans, won't explain the information on the closing disclosure document and/or documented incorrect information on the loan application and the demographic information addendum. When I've ask him questions or ask him to change things on my application he has told me XXXX20 " If youre not satisfied with how Caliber wants it on the application, DO NOT move forward with Caliber or myself. '' XXXX20 " I am no longer working on this loan and you will need to find another lender '' XXXX20 If you are not comfortable working with them I completely understand if you decide to select another lender. '' -He has also told me this type of wording over the phone. 
This is an ultimatum to do things his way and don't question him. 

My real estate agent has had to get in the middle to resolve the issues to move forward and that hasn't helped resolve much. This loan officer uses the lender as a reason to not move your loan forward if you don't do things his way. He says this instantly before even consulting with the lender, because he is an independent broker and has no boss, he does what he wants and says that's what the lender will say or it's standard business practice. None of these are explanations or answers to my questions but excuses. I doubt Caliber home loans is aware that business is being conducted this way on their behalf. I have had to consult with other loan officers to try to get answers. Before you have answers he has moved on to the next step without my permission. Now I have an approved loan with lots of questions still unanswered. 

I was put in an FHA loan and not explained the parameters of it. Being a military member it's nice to know how long you are legally obligated to live somewhere vs putting me in what you think is the best product. We were too far in the loan process to change the type of loan. The loan officer is a terrible communicator, interrupts and has an antiquated system in which I can't put in any of my own information. The agent and loan officer say it's preliminary and will be fixed later but that isn't how things should work. I responded with I'm not satisfied and the loan officer moved forward anyway. This is bad business practice.
Consumer complaint received 2023-05-05
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)

I check my credit regularly and I saw there was a collection on only TransUnion and not the other two companies. The collection agency is XXXX XXXX XXXX  for the accounXXXX XXXX XXXX opened XX/XX/2023, in the amount of {$920.00} I reached out to XXXX  and they could not find any of my personal information, I asked if there was a way they could give me something in writing and they said no because they could not find me in their system, they would not be able to send me anything in writing? Ok, so in the mean time I filed a dispute with TransUnion and was told to follow up with them on XX/XX/XXXX, I followed up today, XX/XX/XXXX and was told I am responsible for the charge of an account I don't even know what it is. They they told me I could file another dispute but I am afraid I will get the same results, that is why I am desperately trying other methods to have this fraudulent account removed from my credit report. If you please take the time to review my credit history, you will see it is spotless and continues to be so even after this so called bad account I took out, which I have absolutely no clue as to what it is. I have not received any form of communication from anyone other than me seeing there was a collection place on my account through TansUnion, no collection agency or no creditor has reached out to me to let me know of any of this. Please advise me on what to do. Thank you in advance for any and all of your help.
Consumer complaint received 2018-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification  of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts
Consumer complaint received 2020-09-24
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: Experian Information Solutions Inc. (MA)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, incomplete, and unverifiable information. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting

on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-12-31
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (MD)

I have The American Express SERVE Card That I received In 2019 for Tax Refund, First Stimulus Check and Anticipating The Next Stimulus Check to Be Loaded onto My Card Soon ; But My Account Had been Locked Because I typed the Password In Wrong Too Many times. I Called The XXXX number on the back that's SUPPOSED TO BE a XXXX Customer Service Call Center But It's just Had a Recording for 3 days That " They're NOT Available To Accept Calls At This Time '' and There's No Other Way to Receive Assistance in Unlocking My Account So I may Use My Card Again. Please Contact Me at your very earliest convenience!
Consumer complaint received 2023-05-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

We were involved with the XXXX  XXXX XXXX scam in XXXX  which was the beginning of the problem. During that time XXXX XXXX XXXXXXXX sold my mortgage to Ditech. A loan modification was completed. I was a single parent of young children and had some medical issues which kept me out of work. Mortgage sold again to Shellpoint. A loan modification was in process and I had already made the first payment. I was involved in a near fatal boat accident and spent XXXX weeks in the hospital. Even after 21 XXXX  to save my XXXX  I am permanently XXXX and was forced to medically retire. At the time when I got out of the hospital I immediately called and explained the situation. The mortgage company told me they already canceled the modification, and that they would not help or assist me further. Mortgage sold again this time to XXXX. Now I have a further reduction income due to XXXX and XXXX. I hired an attorney to handle the modification however due to lack of IRS tax returns the attorney is demanding another {$3500.00} to start the modification process all ov
Consumer complaint received 2023-05-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My credit score dropped over XXXX points for no reason as I have no late payments I have no derogatory remarks other than a disputed medical bill that is on there and I recently paid off my car which is still showing on their and they will not give me a reasonable explanation as to why or fix the problem
Consumer complaint received 2020-04-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PR)

Navient Currently I am under an income driven repayment plan The established monthly fee is substracted automatically from account every XXXX of the month. 
Several times a year ( XX/XX/2020 ) my payment was only to pay interest no principal. According to Navient my payment was not ontime ( after my complain, I received a " copy-paste '' letter saying that ) Currently I have paid almost XXXX dollar of my loan and the balance remains unchanged ( almost XXXX ). I am struggling to make this monthly payment, but I rather make an extra effort to avoid interest to buildup, but I feel this extra effort is not worth it. I feel I am being robbed every month when my payment is deducted. 
Is incredible that paying a student loan from navient is more expensive that paying for luxury item on a retail store using the store credit card. 
Everytime I call Navient, I am wrong and they are correct. 

On every XXXX, always verify the amortization of each payment. When I see XXXX to principal and XXXX to interest my blood begins to boil. Then calling Navient and/or writing an email feels like when your parents are grounding you for something you didnt do. How unfair Navient should be here to help us, they are administering money from tax payer XXXX my money ). Its a shame Thanks PS in picture attached you will see there is no payment during XXXX My IDR plan had to be renewed. 
I received an email, followed every instruction then received a confirmation email that everything was on order, later I received a confirmation letter. ( everything was OK ) When I received my bank statement I noticed there was no payment for Navient on XXXX, I also started receiving threats from navient that my account was due and was going to be reported. 
I called Navient immediately and they told me that the process I made online was not for the private loan, that the private loan IDR is only by phone ( i didnt know that ) As you can see XXXX fee was only to pay interest and XXXX fee was only to pay interest
Consumer complaint received 2020-03-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BANCO POPULAR DE PUERTO RICO (PR)

In XX/XX/XXXX, I decided to trade my XXXX XXXX for a XXXX XXXX XXXX pickup. 
I was originally financed with XXXX XXXX XXXX XXXX, later this same year XXXX XXXX XXXX took over all accounts from reliable and purchased this company. The jeep is still open on XXXX, and the XXXX is too so it appears I have over {$100000.00} in loans. 
XXXX  Shows incorrect reporting and balance of loan also shows late payment but this was because a bank employee wrote the incorrect routing number when I was hospitalized in XX/XX/XXXX-XX/XX/XXXX.  XXXX  shows in the {$60000.00} in loans. 
XXXX  Is double reporting for the same vehicle and is not showing payment history correct. MY Balance of loans are Shown as {$110000.00} It shows Reliable as well as popular leasing MY LOAN IS WITH BANCO POPULAR AUTO! I have one care loan and the balance is {$46000.00}
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In Accordance with the Fair Credit Reporting act. The List of account below has violated my federally l protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of conviction of a crime which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2023-05-05
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: Experian Information Solutions Inc. (PA)

In XXXX I requested that Experian, remove information that is not only incorrect, but they have a fraud alert that is remaining on my account that should have been removed back in XXXX. I told you that my son lived at the XXXX address, and the XXXX address and you refuse to remove it. Since you are telling me that this is my address, please provide proof that XXXX XXXX XXXX lives at those addresses. 
XXXX XXXX XXXX is the only address that should be on my credit report. No other address. My name is XXXX XXXX XXXX No other version of my name should be on my credit report. 

If you can't provide this, please remove them from my credit report. My son XXXX XXXX XXXX lived there, not myself. 
Please remove the fraud alert that should have already been removed after 1 year that still remains on my account.
Consumer complaint received 2023-05-05
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: Experian Information Solutions Inc. (MI)

I have disputed fraud accounts on my credit report and sent all verifying information to prove that these accounts do not belong to me the accounts are as follows XXXX XXXX, XX/XX/2018. This account is fruauduent and does not belong to me.
Consumer complaint received 2020-09-24
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. (GA)

The companies continue to report inaccurate information on my credit report. I notified them twice that they are illegally reporting inaccurate information on my credit report. Im attaching my letters with all the information necessary.
Consumer complaint received 2020-09-24
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (NM)

I purchased a XXXX XXXX gift card for {$25.00} at XXXX 's XXXX   XXXX  on XXXX  and XXXX in XXXX, New Mexico on XX/XX/2020 at almost XXXX XXXX. I tried to used the card at a XXXX XXXX and was told the PIN was invalid. I just paid for my dinner with my debit card. I have contacted XXXX XXXX five times and they say they don't refund gift cards from grocery stores. I returned to the grocery store and XXXX at customer service told me that gift cards are non-refundable. I feel as though {$25.00} was stolen from me.