davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-22
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2019 I disputed the accounts on my report telling them that it has been determined that I was suffering from XXXX XXXX and was not legally competent to contract for debt and they sent me an update on XX/XX/2019 stating that the account is staying the same because it was proven that the account was mine. I never said it wasn't so I feel my dispute is not being read or properly disputed with the information I am giving but being disputed with reasons that I did not give.
Consumer complaint received 2019-01-24
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. (LA)

Transunion is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. There are 3 accounts reporting to Transunion which are fraudulent & I'd like them to be removed from my report. I thought they had dutifully complied to the law to cease any fraudulent account unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.
Consumer complaint received 2019-01-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MN)

This complaint is about a XXXX ' store credit card account, with XXXX XXXX, which I XXXX XXXX, the account holder, previously had finally land a problem with my XX/XX/XXXX monthly payment transaction prior to past complications. 
For example ; far as the creditor utilizing a trace of my identity, the last four digits of my social security number, for the last four digits of their telephone number, and posting illegal late fees to my account as well. 
A five year payment history documentation should clearly express and compare my payment behavior to the last late fee illegally post to my account as well as a partial of my social number being the company 's telephone number, Which is a second violation. 
Now so, I would like to possibly claim damages in best interest. Sue or/and cease payment for damages. 
They could not only harm my credit and expose half my identity from a long term, loyal customer of commitment but, to the public, but can cheat me to. They just cant bully, harass and rip off consumers like that. They are way over the line. Please consider I XXXX XXXX opened the account in year XX/XX/XXXX and is currently the ongoing account holder.
Consumer complaint received 2019-01-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

I believe XXXX XXXX with FAY SERVICING violated the requirements for a single point of contact on SECTION 38-38-103.1 During the final stages in the process of LOSS MITIGATION APPLICATION. He would not respond to any emails or phone calls, as I tried desperately to get an update of the COMPLETED LOSS MITIGATION FORMS. 
Soon after my home was sold at a FORECLOSURE AUCTION SALE. 
I also believe DUAL TRACKING was used in this process of selling my home while I thought we were working together to stop this auction of my home. 


*I emailed Loss Mitigation Application to servicer on XX/XX/2018 *I received Acknowledgement of additional documents dated XX/XX/2018 ( return due date of XX/XX/2018 ) [ Additional document requested was home and hazard insurance. ] XXXX XX/XX/2018 I purchased the home insurance they required. I sent the proof of insurance documents via email and fax. 


*I received Acknowledgement of completed application on XX/XX/2018. 

*I received Notice of sale. 
It was signed and dated by the trustee Recorded on XX/XX/2018. 


*I received denial of assistance letter on XX/XX/2018. 


*I tried to contact servicer multiple times with no response. 


*Home was auctioned and sold on XX/XX/2018. 

The required amount of time from the completed application to the foreclosure sale date is more than 45 days. Completed application was 76 days before auction date. 

The required amount of time that the servicer should review my loss mitigation application is 30 days, whereas servicer did not answer my emails or calls, then sent a denial letter 55 days later Upon receiving the denial letter I have 30 days or more to respond. They auctioned my house 20 days later with no contact our no chance for me to properly respond by to my denial letter.
Consumer complaint received 2019-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Made a payment to my credit card out of an empty account. Called captiol one back once I saw I used the wrong one. 
They said they cant stop it that I have to wait until its posted then make the right payment. 
I follow up with making payment in cash at the branch. 
After a few weeks went to use the card it has a XXXX balance but no credit. 
Called the back they said they decided to close the card because of the mixup. 
But if I pay XXXX dollars to clear up the balance from the mixup they will open it up. I explain Im furloughed and dont have money, I need the credit card for gas but I can use what I have left if ok. 
She said pay it and then call back when it post. 
I did that called back and they said no, I got a different rep so I ask for supervisor who said rep was in error but will try to fix the issue. Explain the situation and need for the credit. She said there was a charge on my account from when the card was closed that overdraws my account. She clear that up and call me back after the holiday to get another card. 
No call in I called them today who says Im not eligible to have my card open. I explain the problem they said once closed it closed. I ask for a supervisor because I gave my funds up and there is no more but I am required to show up to work or could be terminated. She transferred me to manager who said I have to wait 7-10 business days and chances I wont get card back
Consumer complaint received 2019-01-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NC)

My loan was sold to Specialized loan servicing from XXXX. I had filed bankruptcy as a defense of the sale of my home and that is when the mortgage was transferred. The bankuptcy was dismissed because the payments were very high can could not be maintained. Specialized Loan servicing informed me that I could make the payments to them regardless of the bankruptcy. I paid the XX/XX/XXXX and the XX/XX/XXXX however, when I called to make the XXXX payment I was informed I had to bring the loan current. They refused to take any more payments from me. I attempted 4 times during the XXXX to obtain a modification and SLS would tell me that the payment plan did not work out and the interest rate could not be changed. I have an adjustable rate mortgage with an arm and felt that explanation was not credible. 

Over the months of receiving the modification packages they never told me they were not authorized until XX/XX/XXXX. For the entire SLS held the mortgage hostage with the intent of foreclosing to gain the equity in the home. I went to the NC hardest hit funds and was told that I qualify for funding but I had to come up with " Gap '' funds so I went to my credit union paid for an appraisal and qualified for the funds only to be told they would not extend the dollars to me because I was taking a HELOC. I have al lthe written correspondance that supports each and everything I have said. 

I need help saving my home..I have lived here for almost 19 years. My daughter was raised in this home and it would be very traumatic for her to be uprooted given she suffered a XXXX break in XX/XX/XXXX and she is recovering here in the home. I work full time and I can afford to pay my mortgage if they would reinstate the mortgage, I have spoken with XXXX XXXX as they are the owners/ investor of the loan however, they have denied having the authority to modify the loan as well. This is my only home and when the default occurred I owed XXXX but it is much higher due to interest and fees that have been applied. fees.
Consumer complaint received 2019-01-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I rented a van from XXXX for two days XX/XX/2018 to XX/XX/2018 using my Bank of America XXXX XXXX Visa XXXX ... XXXX. XXXX XXXX XXXX as a primary coverage for the XX/XX/XXXX rental car and all this agree and documented before I rent the car. On the morning of XX/XX/2018 I was returning the van to XXXX about 10 minutes a way from XXXX I felt some kind of winds kind of lost control of the van, but eventually went of the road manage to control it. However, the van got some damage and it has to be towed. On the day of the incident I paid XXXX the amount of {$170.00} for the two day rental and {$500.00} as reimbursement by XXXX XXXX XX/XX/XXXX when the damage of the estimate is complete. I contact to XXXX XXXX XX/XX/XXXX on the day of the incident with XX/XX/XXXXmanager and provide me information to open the claim. I opened the claim and provide all the document enterprise provide me and XXXX XXXX XXXX requested through the claim. XX/XX/XXXX request to be paid total {$6300.00} for the damage and then after everything completed XXXX XXXX denied my claim three times. I contact Bank of America about this issue and I did join conference call with XXXX XXXX XXXX and Bank of America, but they did nothing only talk. Since XXXX XXXX XXXX denied my claim XXXX sent the bills to me they wouldn't even give me a chance until I resolve the issue. I'm just a service member I don't have that much money and I contact law farms and other legal departments, they refer me to you and I'm hoping someone from this department can help me. Now XXXX sent it to collections because I couldn't paid off by know and its damaging my credits and its causing me a great deal of stress. Please help me and need justice.
Consumer complaint received 2019-01-23
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: Experian Information Solutions Inc. (MS)

On XX/XX/2018, I sent a debit validation letter to XXXX XXXX asking them to send proof of the debit they say I owe. I sent a certified letter to the creditor. This certified letter was delivered on XX/XX/2018. I have yet to receive a response from the collection company validating this debit. I ask the credit reporting agency to validate the debit and they have yet to validate this debit. By law they have 30 days to response to a consumers request. Please check into this matter immediately.
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (GA)

This is in regards to 2 accounts that I have with XXXX   XXXX. One account is XXXX XXXX and the other is XXXX. In XXXX, I received several notifications from my credit monitoring service that my credit score had dropped and to verify the status of my XXXX XXXX  and XXXX cards with XXXX XXXX. Not long after this I received another notification that my score had again dropped because my utilization on my XXXX XXXX   account was now over 90 % of the limit which was also inaccurate because the balance was only {$140.00} on a limit of {$250.00}. I immediately contacted XXXX in regards to both accounts. I was informed that neither account was closed they were only frozen for 90 days due to returned payments. I was also told that XXXX XXXX lowered my credit limit on my XXXX XXXX account from {$250.00} to {$150.00} due to a decline in my credit score. But the decline is due to the inaccurate reporting of closed accounts that are not actually closed. 
I am aware of the returned payments which were due to fraudulent activity on my bank account and my bank put a freeze on my account of all activity while they investigated. I have also emailed XXXX in regards to these impacting changes. I can prove what the scores where prior to and after the mentioned changes made by XXXX.
Consumer complaint received 2019-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (TX)

I sent a letter to Conn Credit Corp requesting that they validate Not verify a debt that they are reporting to the three credit bureaus. I specifically asked for a signed agreement and other supporting documentation. They provided me with no documentation to prove that I am obligated to pay them anything only a ledger. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
Consumer complaint received 2019-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I pulled my TransUnion Credit file to verify all information was correct. It wasn't. I opened a case via certified mail in reference to Hard Inquires that I had not authorized, requested and had " opted out ''. The XXXX Inquires are as follows : XXXX XXXX Banks and S & Ls XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX  XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX  XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Banks and S &  Ls XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Credit card and travel / entertainment companies XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX In a reply From TransUnion ( attached ), they state these inquires do not have to be authorized or known to me to be validated. This boggles my mind! Too many inquires can and DOES harm your overall credit rating. With that being the case, it completely throws FCRA out the window, and we the consumers are stuck with that whatever creditors want to report.
Consumer complaint received 2019-01-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ditech Financial LLC (MO)

Diatech is trying to collect over 35 thousand dollars from me on a home that was foreclosed on in XX/XX/2009. I have heard nothing from them until recently when i received a letter stating they were going to garnish my pay. This was a " bad '' loan and i actually a letter the Missouri Attorney General. I would appreciate if you would please help me in finding a resolution to this situation.
Consumer complaint received 2019-01-21
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: M&T BANK CORPORATION (NY)

I traded in my XXXX XXXX  XXXX and got financed for a vehicle ion which the finance amount was {$27000.00} after trade in .... i held on to the vehicle for 40 months with no late payments, i then contacted loan company ( M & T BANK XXXX XXXX XXXX XXXX, DE XXXX ) that due to family issues i can no longer support the payments. they sent a representative to pick up vehicle after i signed off on it, how ever i don't have that copy of paper any longer ... the issue is that they now reported to the credit bureaus that there's a late payment of {$5300.00} which i feel is wrong knowing i surrendered the vehicle and that i was never told of such actions
Consumer complaint received 2018-11-06
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. (GA)

I applied for a mortgage loan on XX/XX/2018, early in the loan process I received a credit file alert that a new account ( XXXX Business credit card ) was reporting in my personal credit file of all three bureaus. I contacted XXXX disputing the reporting of a business account on my personal consumer report, they refused to delete it from my personal credit file. XXXX is unable to produce a consumer credit card agreement that I have acknowledged or signed that stated that they can legally report a business account on my personal credit report. Please note that the business credit card had been open a year and never reported to my personal credit file.I subsequently opened disputes with XXXX, Equifax and XXXX on XX/XX/XXXX and again on XX/XX/XXXX and XX/XX/2018. My disputes each state that XXXX is reporting the account as an " individual account '' erroneously as it is a business account and should be deleted. I provided a letter from XXXX of which it is clearly addressed with Company name. XXXX, Equifax and XXXX each stated after two investigations, XXXX has confirmed that their reporting is accurate. XXXX 's reporting is illegal and I need this blatant erroneous reporting of this account deleted from my credit file with XXXX, Equifax and XXXX.
Consumer complaint received 2023-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent a certified mail, asking for investigation into XXXX XXXX Account XXXX XXXX The bureau 's did not respond. According to federal law requires the bureau 's to respond in 30 days its been over 90 days no response
Consumer complaint received 2019-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

Nelnet has several late payments on my accounts. My accounts have been in good standing for many years because I have either done a deferment or forebearance on them over the years. In XX/XX/2018  Nelnet has late payments on all of my accounts with them due to some communication issues. I have attempted two times to rectify the situation with them by disputing with the credit bureaus, but they have not fixed the error. I would like these items updated the information on all of my Nelnet accounts including the recently closed accounts.
Consumer complaint received 2019-01-24
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 purchased two air purifiers from XXXX XXXX for {$970.00} with my Citibank credit card on XX/XX/XXXX. Both air purifiers gave off a strong, toxic, chemical smell that made me sick. I contacted XXXX XXXX to return the defective units. Although XXXX XXXX was aware of the problem and said they would send me return shipping labels they didn't follow through. After multiple attempts with XXXX XXXX I disputed the charge with Citibank. After I disputed the charge, XXXX XXXX sent me the return shipping labels and I returned the two items to them. 

XXXX XXXX responded to Citibank regarding my dispute stating that they would refund my money when they received the products -- their response was on XX/XX/XXXX and they received the products on XX/XX/XXXX. Based on XXXX XXXX 's reply to Citibank, Citibank reversed the credit. 

Despite XXXX XXXX stating they would refund my money they have not. So I contacted Citibank again on XX/XX/XXXX to dispute the charge. Citibank requested additional information, including proof I returned the items. I provided the additional information to Citibank on XX/XX/XXXX along with the XXXX Delivery Confirmations for the two products. Citibank denied the credit on XX/XX/XXXX stating that they needed proof the products were returned. I contacted Citibank again on XX/XX/XXXX to understand the problem since I provided all the information. I spoke with both a billing rep and a billing supervisor ( account manager )  who both agreed that Citibank had all the information they needed and I should receive the credit. The supervisor told me the dispute would be reviewed again and I could expect to receive the permanent credit within a few days. 

It appears Citibank is giving me the run-around treatment as they have gone silent.
Consumer complaint received 2019-01-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Atlanticus Services Corporation (MD)

I have notified XXXX  of my current situation of being a XXXX employee and requested an extenstion or change in payment date. I was told twice that " We are unable to offer a grace period or an extension on your monthly payment ''. I contacted them prior to the furlough and requested a payment date change " Sorry but your payment date can not be changed ''.
Consumer complaint received 2018-11-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL (MS)

XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX. I contacted XXXX XXXX or XXXX XXXX to speak with her on behalf of why I was denied a line of credit she then stated that she worked for care credit and could assist me in getting approved. I transferred money to her XXXX account and received an invoice saying that I had a XXXX line of credit under synchrony bank. She also stated that my card would be mailed to me in 7 to 10 business days. Then I realized I had been scammed.
Consumer complaint received 2019-01-24
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. (TX)

on XX/XX/19 received a letter from XXXX XXXX XXXX XXXX stating I owe {$1300.00}. They sent me a copy of the bill that does not belong to me and I have been fighting this for months. they say my account number is XXXX and sent the bill that belongs to XXXX XXXX this is not me please have credit bureau to remove
Consumer complaint received 2019-01-24
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)

on XX/XX/19 received a letter from XXXX XXXX XXXX XXXX stating I owe {$1300.00}. They sent me a copy of the bill that does not belong to me and I have been fighting this for months. they say my account number is XXXX and sent the bill that belongs to XXXX XXXX this is not me please have credit bureau to remove
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (ME)

My loans have been pd. They are 7 yrs. or older. Ive asked for them to delete ... the credit bureaus just keep saying updated ... but still appear on all 3 bureaus.