davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (GA)

In XXXX we fell on financial hard times and my Sallie Mae student loan went into default. In XXXX the loan was put into rehabilitation with XXXX Limited, successfully rehabbed and then sold to XXXX XXXX. All payments to XXXX were paid timely with no late payments as my bank account was debited automatically ever month. I was told that once the rehab was completed, all negative reporting would be removed from the credit bureaus. This did not happen. Despite the loan being successfully rehabbed, Sallie Mae is reporting the loan is being paid by insurance. The loan should carry the notation of " sold to another lender '' and per my agreement regarding the rehabilitation of the loan all negative reporting should be deleted from the bureaus. XXXX XXXX is reporting correctly with XXXX late payments. Despites filing disputes, Sallie Mae has not corrected their reporting.
Consumer complaint received 2023-06-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$24000.00}, XXXX XXXX Balance : {$22000.00}
Consumer complaint received 2023-06-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX Balance : {$10000.00}.
Consumer complaint received 2023-06-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America - I have left strict instructions that I should not be called on my cell phone during business hours with BofA many times. I was involved with the Country Wide Bank of America scandal back in 2008 and have a long history with BofA. Currently, I am current on my mortgage. I have been getting collection calls from BofA that are threating in nature and very rude. They were threatening foreclosure when my mortgage is not even 15 days late yet. I do n't even have a late fee at this point. I have been over 15 days but under 30 days late in the past. I have been late 1 time over 30 days in the past 12 months. To get a threatening call ( i have the voicemail ) about my account at this point is harassment. They are calling my cell phone during business hours to leave these messages. Can you help stop these harassing calls? Thanks XXXX XXXX XXXX
Consumer complaint received 2018-10-04
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. (TX)

These inquires were just posted to my credit report. I contacted XXXX XXXX for a auto loan and the XXXX dealer took my information from that credit report and submitted a deal to like 30 banks. These inquiries I did not authorize. 

Transunion Inquires Inquiry details XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Credit Union XXXX Inquiry from XX/XX/2018 Finance XXXX  XXXX XXXX  Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2018 Automotive XXXX XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Bank These are the XXXX   Inquiries Inquiry details XXXX XXXXXXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks
Consumer complaint received 2023-06-21
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (GA)

On XX/XX/2022. I went into TitleMax on XXXX XXXX in XXXX Georgia took out a {$8000.00} loan. I have not missed a payment. I have been paying over the monthly amount to this day. I have given them over {$12000.00} back and for about four months now theyre saying I still owe them {$6000.00} and each month my monthly payment either goes up or down depending on how much money I give them over, my balance is not dropping. I tried contacting corporate office. There is only one man that answers the phone and does nothing but connect you to the office where you got your loan from. I tried speaking with them, asking them why my balance is not dropping and basically I was told unless I walk inside with the full amount, the balance is not going to go anywhere and I have six months to move out of my house me and my children because I cant afford this anymore and these people do not care they are taking advantage of people and they need to be stopped. I can not afford to keep paying them more than I paid for my car which was XXXX. I have been doing reviews on XXXX nothing is working. I I plan on finding a suitable affordable lawyer to look into this matter. I have asked for my paperwork so I could match up the numbers of interest from when I sign my life away they wont give me that as well. Unfortunately my home had a flood and all my important documents got damaged on TitleMax webpage. It wont let you even view your documents. I will be going back inside the store to ask for my paperwork again Im good with remembering numbers so I will see if it adds up.
Consumer complaint received 2017-02-01
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I AM A SUCCESSOR IN INTEREST. 
XXXX XXXX, XXXX, the CFPB issued Bulletin XXXX, ( see attached ) which subject was the Implementation of Guidance for Certain Servicing Rules. 
It specifically speaks about, POLICIES AND PROCEDURES REGARDING SUCCESSORS IN INTEREST TO THE PROPERTY OF A DECEASED BORROWER. 
I AM A SUCCESSOR IN INTEREST. 

As well I am the OWNER, by RIGHT OF SURVIVORSHIP of the property being foreclosed by Specialize Loan Servicing, LLC. 

Since the death of my mother in XXXX of XXXX I 've been working to try to get Specialized Loan Servicing to send me a request for Mortgage Assistance Package as they said they would. On more than several occasions they said they would send the package to me and said many times that the package was in the mail and I never received anything from Specialized Loan Servicing. And in XXXX of XXXX they started to foreclose on my house. 

My mother and I owned the property as Joint Tenants ; when she passed away I became the sole owner with Right of Survivorship. I 've tried to tell Specialized Loan Servicing this over and over, but they say I need to go to Probate and I 've been told by XXXX attorneys that I do n't because I own the property by Right of Survivorship. 

Please see the attached the recorded Grant Deed. My mother and sister having deeded back to me in XXXX. Please see the attached the recorded Affidavit Death of Joint Tenant I tried to convey this to specialized loan servicing several times, I 've sent them the deed to the house three ( 3 ) times showing my ownership. I 've had to send it three ( 3 ) times because every time I call I get some when different, who is asking me for the same documentation over and over again. Then after several attempts specialized loan servicing told me that because I was not on the loan they could not send me any information. But I 've told them I do n't want information about the loan because my mother is dead and that I just want to work this out with them, so that I can sell the house and have time to relocate, because I am XXXX ; my brother lives here and my elderly aunt and uncle live here also. 

I have a real estate agent who has had the property on the market since XXXX XXXX of XXXX. The house needs a lot of work ; I have had multiple offers for the purchase of the house and have actually accepted XXXX, but Specialized Loan Servicing is not sending me the necessary Request for Mortgage Assistance form, as they said they would for me to submit for the sale of the house. 

AS A SUCCESSOR IN INTEREST and OWNER, by RIGHT OF SURVIVORSHIP, I want Specialized Loan Servicing to send me a request for mortgage assistance package as they have said they would, and I just want to work this out with specialized loan servicing, so that I can sell the house and have time to relocate. I am XXXX ; my brother lives here and my elderly aunt and uncle live here also. My real estate agent has gotten me a good offer from a Buyer. I just want to sell the house so that we are not put in the street.
Consumer complaint received 2023-06-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I disputed this XXXX XXXX bankruptcy several times with the credit bureau Experian. In XXXX of 2023 my dispute was completed, when the dispute was concluded the response was verified as accurate with the Texas US Bankruptcy court. I previously contacted the bankruptcy court and their response was that they do not verify records with any credit bureau or any entity for that matter their response is enclosed.
Consumer complaint received 2023-06-21
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have written in to all three major credit bureaus since new public law and child support reporting law was passed back in XX/XX/2017 to have child support removed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ; Creditors XXXX XXXX XXXX # : XXXX  ; Medical bill # : XXXX, XXXX # : XXXX these accounts have not been verified or invalidly reporting due to inaccurate information and not belonging to me.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have credit monitoring through XXXX and as part of that, my credit is always locked. I was under the impression that this locked my credit all around, but clearly I was mistaken. XXXX has made me aware of the following inquiries and underneath, you will see the actions I have taken. For the blocked inquiries, I have not taken any action. 

XXXX ) XX/XX/year> XXXX Blocked a credit file inquiry by XXXX  XXXX XXXX XXXX ) XX/XX/year> XXXX Blocked a credit file inquiry from Capital One NA XXXX ) XX/XX/year> Capital One Bank USA NA got a copy of my XXXX Credit Report -I have called Capital One, they said an application was put in for a Platinum MC on XX/XX/year> and they marked the application as fraudulent and passed it onto their fraud department, they would not send me a letter of deletion to have this removed from my credit. 
-I called XXXX and put a freeze ( they said this would take XXXX hours, so if another one happens today, that will be problematic ) on my credit report and put a fraud notice on my credit for 1 year. Conf # XXXX They refused to help in any other way like communication with the banks that they gave my credit reports to. 

XXXX ) XX/XX/year> Capital One got a copy of my XXXX Credit Report -I called XXXX and put a freeze on my credit. They told me that they would also notify Capital One. I'm not sure if this is the same Capital one that inquired into XXXX the same day? 
-See above for communication with Capital One. 

XXXX ) XX/XX/year> XXXX XXXX  got a copy of my XXXX Credit report. 
XXXX called XXXX XXXX XXXX  and they told me that they were sending it over to their fraud department, but could not verify if an application had been put in for a card or a loan. The Case ID # is XXXX XXXX XXXX XXXX above XXXX ) XX/XX/year> XXXX Blocked an Attempted Installment Loan Inquiry from XXXX XXXX  XXXX XXXX 

Hopefully no other requests are placed within the XXXX period XXXX XXXX it would take for the freeze to be in effect. 

I am hoping that you can help me get these inquiries removed from my credit report and/or provide me with the necessary documentation to send to the credit agencies. 

Thanks so much!
Consumer complaint received 2017-02-23
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Continental Finance Company, LLC (FL)

I received several calls on XXXX/XXXX/2017 from phone number XXXX and in the messages the individual states they are trying to deliver sealed documents that require my signature. When I called the number back, I spoke with XXXX XXXX. After confirming my name, he proceeded to discuss the debt. He never disclosed that this was an attempt to collect a debt and information would be used for that purpose. Also, when I advised him that I would need to do additional research and get back to them, he proceeded to tell me that he would put it down that I refused to pay. I explained to him that I have not refused to pay and he can not document that inaccurate information. He became belligerent and combative with me, at which time I disconnected the call.
Consumer complaint received 2018-10-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Consumer Financial Services (IL)

i HAD WAS UPSIDE WITH THE LOAN IN HAD SPENT {$7.00}, XXXX IN REPAIRS ON THE VEHICLE. AND COULDN'T KEEP PAYING ON THE VEHICLE AND REPAIRS. SO I EMAILED THEM XX/XX/18 AND TOLD THEM I WAS VOLUNTARILY SURRENDER THE VEHICLE. I DROPPED THE VEHICLE XX/XX/18 THEY STARTED CALLING EVERYDAY OVER AND OVER. THEY CALLED MY EMPLOYER TELLING THEM I HAD ABANDONED THE VEHICLE. THEY CALLED BOTH MY PLACES OF EMPLOYMENT AND TELLING WHOEVER ANSWERED MAKING MY PERSONAL BUSINESS PUBLIC. THEY EVEN CAME INTO MY PLACE OF EMPLOYMENT ON XX/XX/18, SHOWED UP TO TRIED TO SERVE ME. THEY HAVE CALLED AND TOLD BOTH MY EMPLOYERS THAT THEY ARE VERIFYING EMPLOYMENT TO SEND FOR WAGE GARNISHMENTS. WHEN THEY DON'T HAVE A COURT ORDERED JUDGEMENT. I HAVE CALLED THEIR ATTORNEY SEVERAL TIMES AND EMAILED THEM TO TRY MAKING AN AGREED PAYMENT PAYMENT PLAN. i WISH I HAD READ THE REVIEWS ON THIS COMPANY BEFORE I HAND. THEY HAVE THE WORST REVIEWS AND WORST CUSTOMER SERVICE. THEY HAVE BEEN SUED SEVERAL TIMES FOR VIOLATING THE FDCAP.
Consumer complaint received 2018-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Sent numerous letters request that the erroneous information be taken off of my credit profile and that a new credit score be obtain as it has increased tremendously but they have refused all of my demands. They still post accounts that have been paid off as delinquent and caused me financial harm by not showing my increased credit score which resulted in a job loss..
Consumer complaint received 2015-08-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: S&S Physician Services, Inc. (TX)

On XXXX XXXX, 2015 I sent Harvest Associates Inc., a request for a verification and validation of this debt pursuant to the FDCPA, 15 U.S.C. 1692. Next, I received a response letter from Harvest Associates Inc. stating who the original creditor and the current balance of this debt. However, Harvest 's letter failed to verify or validate any legitimate debt. Thus, Harvest 's letter failed to provide any clear documentation or admissible evidence of the allege debt they report to claim. According, Harvest Associates has not provided any evidence that they have extended funds to the consumer.
Consumer complaint received 2015-05-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Collection Bureau of the Hudson Valley, Inc. (MO)

Collection Bureau of Hudson Valley Inc, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Ph : ( XXXX ) XXXXDebt : XXXX XXXX - XXXX $ XXXXI had XXXX and paid final bill upon returning equipment on XX/XX/XXXX. I moved to XXXX on XX/XX/XXXX. In XX/XX/XXXX, I found a collection being reported by above collector. In XX/XX/XXXX, I ask for validation and deletion during this validation as I never received a XXXX day notice of collection before submitting it to credit bureaus under FCRA. They apparently sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. I had been living in XXXX for over a year at this point and my current address as that time and now was on my credit file in XX/XX/XXXX. Collection Bureau of Hudson Valley pulled an XXXX Credit report on XX/XX/XXXX to obtain information such as my address. They failed to send a XXXX day notice of collection activity to me at my current address on file on XXXX XX/XX/XXXX so I could validate the debt and pay it if it was a true debt before it got reported to my credit bureaus. I notified them in writing of validation after finding it on my credit file XX/XX/XXXX asking them to delete the collection action from my credit file and allow me to validate the debt as well as pay it if it was legitimate. They stated they validated the debt but I still never received this validation and they continued to report it to the credit bureaus after acknowledging they sent the XXXX day notice letter to the wrong address. I was never given a chance to validate and/or pay this debt if legitimate without a XXXX day letter, which they did not provide. It is still be reported on my credit bureaus and they refuse to delete until debt can be validated. According to the FCRA, a debt must be reported at last reported payment delinquency since it falls off credit file 7 years from that date, however Collection Bureau is violating my federal rights and the law by not providing me a XXXX day notice of collection activity before reporting it to the credit bureaus and they are violating the law by stating the delinquency is the date they received it in XXXX, not the last reported payment to XXXX in XX/XX/XXXX. I would like to have the item deleted from my credit file and a given a proper XXXX day notice to validate the debt so that I may pay it if the debt is legitimate.
Consumer complaint received 2017-03-06
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (UT)

I got myself involved with business opportunity fraud.Ipaid three companies XXXX, XXXX, and XXXX.I called Wells Fargo for help and received none.These companies did not render me the service i was promised.I told the bank I have no functional online business, no way to earn money, and ended up heavily in debt Wells Fargo seems to agree with these merchants without even contacting them.How is this fair? Me being the customer along with the bank should be able to ask these merchants for proof of what they did.Im out XXXX and the bank says to bad.These merchants should be put in jail for robbing the elderly.I was also told by the attorney general i had the right to dispute these charges as claims and defenses. What good are laws if the bank does not follow them.I do not feel i am asking the bank to do something there not suppose to do.