davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2015-11-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

SLS Loan XXXX XXXX leinXXXX XXXX Loan XXXX XXXX leinXXXX XXXX XXXX XXXX XXXX CA XXXXWhile in escrow during an approved short sale we discovered issues with title which brought to light a XXXX. We immediately started negotiating with, all of this was being discussed with SLS, via phone calls and paperwork faxed! Out of the blue SLS decided to deny the short sale and foreclose my house while in escrow!!!!! I have a foreclosure set for tomorrow - my question here is how is that possible that a lender can deny a short sale while in escrow!! How can they do tat when they had approved the short sale while in communication with us - NEVER once mentioning that they would recinde their approval. When called they told us that they needed 37 days to review a new file and that now there is simply no time as they are too busy with other files - 37 days???? How can they review a file that has already been approved and all parties amounts are the same?? We have to live with a foreclosure on our back because SLS is too busy for us when we are trying to do the right thing???
Consumer complaint received 2015-12-16
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: SUMMIT FUNDING, INC. (CA)

My husband and I tried to refinance our home XX/XX/XXXX. We went through the process with a lending company, provided our personal information, paid for the property appraisal and by XX/XX/XXXX or XX/XX/XXXX we were told that everything was just about complete and ready for final approval. So In XX/XX/XXXX I call the finance person handling our loan since we were approved and a check was being cut to pay off the current mortgage company, was it necessary to pay our XX/XX/XXXX mortgage and we were told no, to hold on to it. ( I have the email message pertaining to this ). A week later we were still waiting for final approval and the finance company needed additional information, which we provided and we were told everthing was going well that we should have final approval by the end of the week. We contacted the company again and more information was required, now it was our credit report and we were told that we needed to pay down one of our credit cards in order to get our credit score to rise. So we paid {$500.00} on one of our credit cards as requested. By now it 's XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX our credit file had been reviewed by this finance company over 6 times causing negative or points being taken off our credit score. XX/XX/XXXX I called our current mortgage company to explain what was going on and we were informed that they had reported that our mortgage payment for XX/XX/XXXX was 30 days late. I called the finance company that was processing our refinance and explained to him what was going on with the mortgage company and he claimed that he never told us not to pay our mortgage for XX/XX/XXXX and that this negative mark on our credit report would more then likely not help our refinance. After this conversation we did not hear back nor receive anything from the finance company until 30 days later. We received in the mail a letter stating that our refinance loan was approved but not used. So I called the person that was helping us with the refinance loan and he had no ideal what the letter meant, that he would look into it and get back to us, he never did. We also contacted him concerning the negative marks on our credit report from the many unecessary times that they had to run our credit report and the negative mark from the late mortgage payment, he said that he would assist with writting a letter concerning what had transpired, he never did. He referred us to a credit repair company which is now going to cost us {$1500.00} to repair the mess caused by this finance company 's lack of follow through. So now we are out of the {$470.00} appraisal fee, {$500.00} to pay down the credit card, additional fees charged by our mortgage company for the late mortgage payment, negative credit ratings and being required to pay {$1500.00} to fix something that the refinance company was responsible for due to their bad advise and unorthodox operating procedures, which has left our family with a financial headache.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (WY)

Navy federal credit union account # XXXX and XXXX is reporting inaccurate inconsistent information on my credit report and is negatively affecting me to obtain new credit.acording to the fair credit reporting act I'm entitled to 100percent accuracy and this company is violating my federally protected rights.i demand them to delete this account immediately
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Consumer complaint received 2016-03-20
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: iFreedom Direct Corporation (AL)

I originally purchase my home with a VA loan on XXXX XXXX, XXXX. At that time, my home was not in a Special Food Hazard Area ( SFHA ) as defined by the Federal Emergency Management Agency ( FEMA ). My mortgage company did not require me to purchase flood insurance. 

On XXXX/XXXX/XXXX I submitted a loan application to iFreedom Direct Corporation to refinance my home. 

The Loan Estimate that I received was dated XXXX/XXXX/XXXX and makes no mention of flood insurance. The final Closing Disclosure was dated XXXX/XXXX/XXXX and makes no mention of flood insurance. They had a copy of my home owners insurance at that time and used my premium amount to determine the initial escrow amount. They knew well ahead of time that I did not have flood insurance. 

On XXXX/XXXX/XXXX I closed on the loan. At that time I was given a Notice of Special Flood Hazards and Availability of Federal Disaster Relief Assistance ( " the notice '' ). This notice was just simply mixed in with all of the rest of my closing documents. 
Lenders are required to use the Standard Flood Hazard Determination Form ( SFHDF ) to determine the correct Flood Zone. 

First of all they determined an incorrect Flood Zone rating for my home. No portion of my home is located in a Special Flood Hazard Area ( SFHA ). Thus the provisions of the Flood Disaster Act of XXXX do not apply. I 've attached XXXX flood determinations to support this. 

The notice that I received contains the following statement : " Federal law allows a lender and borrower jointly to request the Administrator of FEMA to review the determination of whether the property securing the loan is located in a special flood hazard area. If you would like to make such a request, please contact us for further information. '' They would not however respond to any of my requests for assistance with this. 
The servicing of my loan was transferred to XXXX and now they are requiring me to purchase flood insurance.
Consumer complaint received 2016-07-22
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Home Headquarters Inc (NY)

Home Headquarter the lender engaged a XXXX and XXXX to collect the debt. During the negotiation process the law firm began a suit. I with a pro bono attorney 's advice answered the law suit in a timely fashion. The lawyer 's office was aware that I had answered yet never requested judicial intervention and instead filed a default judgement against me thereby denying me due process.
Consumer complaint received 2016-01-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have been trying for years now to save my home, everything including mediation, failed to provide any hope. The bank or banks agent, and mangers that I could supposedly negotiate with constantly changing, causing my efforts to get pushed to the bottom of the list. I have gone as far as to hire an advocate for {$5000.00} to help in the process. My loan has been mis-handled by my lenders, my lender continues to not discuss financial options that are available through both internal and government programs. My original loan documentation was signed by a rubber stamp not a bank VP. I believe this loan to be predatory in nature, however I just want to work out a reasonable payment with a reasonable rate. I am even willing to forego future claims against the lender in order to receive a fair deal. Its unfortunate that people have to go to these lengths just to get someone to listen. I hope they will listen. 

My home is set to be auctioned off on XXXX XXXX 2016, I hope that this will prompt the lender to finally work a deal with me. I 'm gainfully employed and my income ratios are within the guidelines to make a fair deal happen. My documents have been submitted, and the clock is still counting down. The crazy part of all of this is this could be fixed with a 5 minute phone call with someone who is empowered by my lender to make these decisions. The lender did n't even show up to my mediation, and could n't be reached by phone. Lastly, because I could go on for hours, These Banks got bailed out ... I 'm just looking to be treated fairly.
Consumer complaint received 2015-09-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION (TX)

I just graduated my XXXX program at the end of XXXX. I paid all of XXXX student loan payments on time. Then I went on a 2 week trip abroad, and could not be reached during that time. My loan payments are not due until the XXXX of this month, and it is XXXX XXXX. When I received a call from a Sallie Mae rep, I told him I would call on the Monday after I returned ( XXXX XXXX ). Sallie Mae 's automated program called me today ( Sunday ) a total of XXXX times with a recording that said to call back Monday. This is harassment, when a bill is not even due! I can not call them back to get them to quit harassing me because the recording says they are only open Monday through Friday! I was trying to spend time with my family and the phone was ringing off of the hook. This is completely unacceptable behavior by the loan agency. I am recently graduated, and intended to work on the process of consolidation this coming week after returning home from my trip. XXXX ( a company that is related to Sallie Mae ) also called me multiple times this evening. With XXXX, the caller i.d . showed up as " unavailable '' and the lady immediately asked me to verify my birthdate. I am not about to give my birthdate to a stranger on the phone with an unavailable callback number ( in case of identity theft ). She was very rude to me and hostile and told me " You better call us back then! '' ( as if I am the one who is in the wrong ). This is all completely unnecessary. I have been paying on my loans throughout my time in school. Calling me XXXX times in one day from Sallie Mae and XXXX times in one day from XXXX is harassment and is not legal. These companies should both be cited for violating the law.
Consumer complaint received 2016-09-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: National Credit Systems,Inc. (NC)

On XXXX XXXX, XXXX I got a credit alert from my credit monitoring service that there was a change in my credit bureau. I went online and looked at it and saw simply a reference to a collection from a company called National Credit Systems. I had never received a phone call or letter or any other communication from this company. 

I called their offices as soon as it opened, inquired about the debt they were collecting on, and realized it was related to an early termination fee from an apartment I was renting in XXXX! I do n't dispute the amount, but I was never billed for the early termination fee and did n't know it was outstanding. 

So, I informed the agent that I had never received notice from the apartment company or from the collection agency that anyone was trying to collect. I told him I would pay the debt that day, which I did, if he could ensure that it would be expunged from my credit bureau because I 've never gotten any phone calls or letters from anyone. The agent said " absolutely ''. He suggested that they did n't have any contact information for me even though I kept the same mailing address and phone number before, during and after the time I lived in the apartment. Surely the apartment complex had all that information from my initial application. Even so, a simple google search could have easily found me. 

I paid the bill that day and continued to follow up with the company about expunging the collection from my record because they had n't provided any notification or made any effort to notify me about collecting a debt. My bureaus show the credit as paid off, but its still on there as a derogatory, negatively impacting my credit score. 

I have no way to contact the prior apartment management as the complex was sold. And my attempts to resolve this with the collection agency have obviously yielded little result. 

I believe that a collection agency, as a furnisher of information to the credit bureaus, is required to Inform consumers about negative information which is in the process of or has already been placed on a consumer 's credit report within one month. I received no such notification from the time I vacated the apartment ( XXXX XXXX ) until the time I got the alert from my credit monitoring ( XXXX XXXX )!!! 

Thanks for your help.
Consumer complaint received 2015-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (WA)

I had a mortgage with XXXX ( XXXX XXXX ) that was transferred to another lender XXXX XXXX XXXX ). XXXX is reporting I was XXXX days late on my credit report. I signed an agreement to start trail payments with XXXX XXXX and the payment was higher then what the actually mortgage is. I have never been late with XXXX as agreed. I also asked to have XXXX removed from my credit report because it has been 7 years since I defaulted on the loan.
Consumer complaint received 2016-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

Paid in Full Collection with XXXX XXXX XXXX ( XXXX ) in XXXX XXXX. This account has been disputed for incorrect reporting with XXXX to Experian and XXXX. It has been verified as correct. This account, XXXX, had a filed complaint with CFPB, it has been verified as correct. XXXX states that their information is correct and any errors are with the Credit Reporting Agencies, Experian and XXXX. 

XXXX is listed as a Factorying Company. It is listed as Terms : 1 Month. 
Per this case law, XXXX v. XXXX XXXX XXXX, Dist. Court, XXXX Arizona XX/XX/XXXX : [ XXXX ] XXXX argues that XXXX ' debt was not " in default '' at the time XXXX acquired it, and therefore XXXX is not a debt collector and not subject to liability under the FDCPA. 
[ XXXX ] This exemption places the factoring of accounts receivable outside the scope of the FDCPA, thereby leaving a factor in the same position as the original creditor, had the creditor not sold his accounts receivable to the factor. By excusing factors from compliance with these regulations, the FDCPA respects a common method of business financing. 
The FDCPA defines " debt collector '' as " any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. '' 15 U.S.C. 1692a ( 6 ). Exempted from this definition, however, is " any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity... ( iii ) concerns a debt which was not in default at the time it was obtained by such person. '' Id. 1692a ( 6 ) ( F ) ( iii ). 

According to the CDIA, they have the option of reporting an Account Type of XXXX-Collection Agency/Attorney or XXXX-Debt Buyer ( which undoubtedly shows as Factoring Company in consumer reports ) XXXX incorrectly choose to report as type XXXX instead of XXXX based on the information in the reporting guidelines. If reporting as a type XXXX changes the value in a credit score more so than reporting a XXXX, that would be an incentive for them to mark it that way because that could significantly cause poisoning of reports.
Consumer complaint received 2016-03-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX D.O.B- XXXX/XXXX/1974 SSN- *********** I have recently contacted via phone Experian regarding my credit report. There is inaccurate information, like credit limits, missed payments, accounts that do n't belong to me, and unauthorized inquires on my credit report. Experian has told me that they were going to fix it, but at this point they have not fixed anything, I have not received a copy of my credit report in the mail and I still have the negative and inaccurate information on my credit report which I have checked online. I recently tried to finance a car and I was denied because Experian has inaccurate information on my credit report.
Consumer complaint received 2016-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NJ)

There is a child support account with number XXXX on my credit report that should not be on there. I disputed with the credit bureaus and it was verified. Therefore, I contacted the court house that was reporting the information and they told me that they do not verify information to the credit bureaus. I attached a copy of the letter they sent me. This is a violation of the FCRA and this account should be deleted.
Consumer complaint received 2016-12-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MO)

Experian continues to report my current address as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Tx XXXX. I have never lived at this address and I disputed this with Experian, but Experian did not correct this error. None of the other credit reporting agencies list this address at all.
Consumer complaint received 2016-02-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (MI)

I DO N'T UNDERSTAND WHY????? 
A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

Annual Credit Report Request Service XXXX. XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2016-02-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MD)

My credit score is being lowered by having multiple variations of my name appearing on my credit report by all XXXX major credit bureaus. In addition, there are names appearing on my reports that are n't even mine. For consistency I want My full first name and last name. That is all I want. After disputing this issue they still have n't made the changes.
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (MA)

I used Experian to access my annual free credit report ( which came with a {$1.00} fee ). I was unaware that doing so had signed me up for a service. 

Last night I saw that a charge for {$21.00} had posted to my card, so I followed up by logging into Experian to investigate. I cancelled a service I did not know I had been signed up for. 

I called customer service, and they were unable to refund my money because more than 24 hours had passed since they charged me. This is an unreasonably short amount of time for someone to be expected to check their credit card statement for serviced they never knowingly subscribed to.
Consumer complaint received 2017-01-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MD)

I contacted Experian by written letter three times requesting it to correct or delete within 30 days an item related on my credit report that provided inaccurate information related to the account, account balance, payment frequency, payment amount regarding the XXXX, account XXXX, who no longer holds this account. Experian did nothing, despite my repeated requests and supporting documentation ( i.e., bank records ) to provide proof of the inaccuracy. For this reason, the agency is in breach of the Fair Credit Reporting Act.