davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CO)

In 2010 My identity was stolen and used to receive {$4000.00}. under a school loan. ( see attached documents ) ALL XXXX credit reporting agency's- XXXX ; XXXX ; Experian, are refusing to remove accounts asserting they 're " verifying my dispute as accurate '', however I 've sent document 's proving my position and dispute to them. Yet have failed to provide me with a copy of any viable evidence as such. I 've advised repeatedly via certified mail over a dozen times that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Requesting the name, address, and telephone number of each person contacted at U.S. DEPARTMENT OF EDUCATION regarding this alleged account. I 've explained : The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. All XXXX credit reporting agencies continue their non- compliance violating : ( see 15 USC 41, et seq. ). Constituting : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act. Your assistance would/ is greatly appreciated!?
Consumer complaint received 2016-02-21
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Halsted Financial Services, LLC. (FL)

This company calls me 6-7 times a day. They rarely identify themselves when calling. I am constantly cursed at, threatened that they will show up at my home, tell my supervisors " what I have done '', threaten to arrest me, etc.
Consumer complaint received 2017-02-06
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

XX/XX/2017 XXXX XXXX XXXX. XXXX TransUnion LLC XXXX XXXX XXXX, PA XXXX Cc : Consumer Financial Protection Bureau XXXX XXXX, IA XXXX Re : XXXX File No. XXXX Dear XXXX, The purpose of this letter is to request full restitution for my personal loss. I believe that I was XXXX of the affected consumers who was : '' Deceived of the value of credit scores TransUnion and its affiliates sold '' - ( CFPB, XX/XX/2017 ) '' Deceived into enrolling in subscription programs '' - ( CFPB, XX/XX/2017 ) The total value of the items that were deemed a total loss is {$270.00}. I have enclosed a total of XXXX receipts justifying the requested amount. 

I look forward to your timely response. Thank you for your anticipated cooperation in this matter. 

Sincerely, XXXX enclosed : hard copy of the above and receipts.
Consumer complaint received 2021-07-14
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: ENCORE CAPITAL GROUP INC. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2016-10-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I am currently trying to get a loan modification review through SLS but they just told me today that they could not because they need 38 days to look at my file. This seems odd because I have been submitting documents and was never told that. I submitted my loan modification documents over 10 days ago and additional conditions over this weekend only to be told that they can not look at my paperwork.I am concerned because I have not received anything in writing and feel that SLS just does n't want to work on my file. I get teh sense that they are going to just let me lose my home. I have a sale date for XXXX/XXXX/16 and I do n't want to lose my house to foreclosure.
Consumer complaint received 2016-07-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

on XXXX/XXXX/16 i sent several letters to transunion reguarding inquires that contain inaccurte information abour two weeks later i received the same number of form letters from transunion saying thank you for your questions about inquires then went on to explain what inquires were i called transunion the person was in a foren country and had vary bad XXXX after about an hour i was able to understand that trans union dose not investigate inaccurt information regarding inquires the following are inquires that contain inaccurt information all inquires in question are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. trans unions 30 day investigation time limit is up a few days ago another phone call showed that nothing was done as to investigation or removal of the inquires in question
Consumer complaint received 2016-07-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Actually there is no method to contact them to file a dispute currently - when logging in their page reflects they are engaging in a dispute but the credit report and the status of the dispute are inaccessible. 
Why is n't it easier to contact them? Why do they have to hide? And, what do they have to hide?
Consumer complaint received 2017-01-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (OH)

I have been fighting with suntrust mortgage since XX/XX/XXXX about a forclosure from XX/XX/XXXX. They continue to beat around the bush about removing the forclosures. I provided the emails from XXXX to XXXX from XX/XX/XXXX stating i was covered by SCRA the date of the email. i have currently been going back and forth with XXXX XXXX with her stating " HERA Act and SCRA '' SCRA from XX/XX/XXXX states a minimum of 9 months from XXXX XX/XX/XXXX giving me till atleast XX/XX/XXXX in coverage. I have the email that i provided them the orders. This SCRA should have covered me till XX/XX/XXXX and they stated they began forclosure process XX/XX/XXXX and i am not entitled to the {$3800.00} they unlawfully took from my payments for attorney fees. Along with this i provided them a statement from my bank showing a payment of {$910.00} that was never posted to my mortgage but they will not accept the statement.
Consumer complaint received 2016-04-07
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC. (NJ)

I have a CD maturing at Ally Bank in 2 days. I called to renew it. 
XXXX told me she would renew a 5 yr CD @ 2 %, with a 2 month interest penalty for premature withdrawal. I asked her to put it in writing ( email ), she said she could not. Her word is good enough??? Are you kidding?? 
I suspect they are lying on the phone.
Consumer complaint received 2016-02-03
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

I feel I was advised by an Ally Financial employee named XXXX around XXXX XXXX, 2015 tht that I could turn my lease in 4 months early and be done with the lease free and clear. 
I called Ally and spoke to XXXX after I had received a letter from Ally asking me essentially how would I like to end the lease. When I spoke to XXXX I reiterated with her several times " are you sure all I have to do is turn the lease in early? '' and she reaffirmed that was the case several times or at least that was my perception. I have contacted Ally several times and spoke to many people to just listen to the tape of the conversation that they have around XXXX XXXX 2015 but to no avail. I keep getting a complete runaround from dept. to dept. with promises to look into the matter and call back only to find no response. My feeling is I was duped and defrauded into believing I could turn the lease in early with no further obligation and I am sure I 'm not the first one this has happened to.
Consumer complaint received 2016-02-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (SC)

Issue : Suntrust 's Unethical business practices and an unreasonable increase in monthly mortgage payment. The first increase was from {$750.00} to {$1000.00}, a difference of {$310.00}. After numerous discussions with Suntrust, the mortgage was adjusted to {$870.00} which is {$110.00} more than I started with during the course of one year. I have a tax assessment from XXXX XXXX Government, XXXX XXXX XXXX XXXX XXXX which states as of XXXX XXXX, XXXX. I was approved for XXXX XXXX Special Assessment of 4 % approval based on the % of ownership ( XXXX XXXX ). 
I am currently billed at 6 % and have not received a refund payment for the 2 % difference. I paid the 6 % for one year. I was told by Suntrust Mortgage I had to wait until the tax bill was issued, and that bill was issued XXXX XXXX, XXXX. Each of the XXXX previous loan service providers who bought the mortgage note prior to Suntrust also refused to make any adjustments to the mortgage payment which would reflect 4 % state tax. Instead of a mortgage payment decrease there was an increase 4 months after Suntrust Mortgage became the servicing institution. 

This increase has caused a severe hardship and emotional angst. I am a retired senior with XXXX source of income and may have to consider selling my home if I do n't get some financial relief.
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2017 I called TransUnion three times because I do not have access to my credit report online for viewing or disputes for whatever reason. I contacted TransUnion because there are some inaccurate things on my credit report. The first time I called I was immediately transferred by Customer Service to the special handling department because they said they had no access to my file and could not assist me. I then spoke with two different people who identified themselves as being in the special handling department. I was transferred again to someone else in special handling who advised that their supervisor was handling my file. I was then transferred to a voicemail to leave a message which I did. After not receiving a returned call I called TransUnion back again and went through the same transferring cycle. I was advised this time by two people in the special handling department that my file was being handled by the priority department and that they would transfer me. I was transferred to the same voicemail from earlier. I called back again only to go through multiple transfers of people that had the same script to the point that I could finish their sentences. I was transferred to the same voicemail and was not given any assistance whatsoever. Each call had 3-5 transfers and long holds before finally transferring me to the voicemail. I am feeling like I am being toyed with and it is highly unprofessional.
Consumer complaint received 2016-11-29
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GMFS, LLC (AR)

We had an issue of a plumber breaking a pipe and flooding our home..the new plumber did not get a permit or have his work inspected.when we had a city and state inspection done there were many things he did out of code he received a fine but we have had XXXX plumberso in the home to correct his mistakes and have not lived in the home for 1 and 1/ 2 years I informed the mortgage company and had to miss 3 payments since that time I have been deny the opportunity to pay the next 3 months every month I have been told I can not make any monthly payment just the entire am trying or nothing and of course the bill gets higher.. 

XXXX
Consumer complaint received 2021-07-15
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. (IL)

Received a copy of my Equifax credit report and notice some inaccuracies, specifically a bankrupticy. Sent request for there method of verification and Equifax replied on XX/XX/XXXX with file # XXXX saying the account was verified by XXXX. Appalled by this, I went to XXXX directly to verify this information and during there investigation XXXX couldn't verify the information themselves as a result of there investigation has removed and deleted the inaccurate unverified bankruptcy on there files as of XX/XX/XXXX. As a result of the investigation XXXX disputed the information on my behalf to Equifax directly on XX/XX/XXXX and as of XX/XX/XXXX no response. So as a follow up I sent the results of the investigation XXXX letters enclosed XXXX  that the bankruptcy was unverified and has been removed from XXXX files received by Equifax on XX/XX/XXXX and responded on XX/XX/XXXX with file # XXXX stating the bankruptcy is VERIFIED as accurate and reporting correctly. How after XX/XX/XXXX can Equifax verify something that is not on XXXX files? Either they lied or never sent the information for verification to XXXX and just sent a computer generated response. Why hasn't Equifax responded to XXXX dispute on my behalf which has been over 30 days and why say something is verified when its can't be. Equifax is reporting unverified inaccurate bankruptcy on there report.
Consumer complaint received 2015-07-29
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC. (SC)

We negotiated and signed a contract for our home in XXXX, VA, on XX/XX/XXXX based in large part on the buyers ' Pre Qualification Notification letter from Sun Trust Mortgage dated XXXX XXXX. The agreed upon price and terms were well under the approved parameters in the letter which also stated " I have evaluated your credit, and reviewed the requirements of the loan program discussed. '' Then some 5 weeks into the transaction, Sun Trust told the buyers that the pre-approved loan program did not exist and issued a loan rejection letter on XXXX XXXX -- only 4 days prior to the scheduled closing on XXXX XXXX. I had the movers scheduled for that day and the buyers had terminated their lease in order to take occupancy at the end of the week. In the midst of this bank induced turmoil and trauma, the Sun Trust loan consultant and bank executives then became essentially non-communicative and non-responsive. My realtor essentially preserved the sale by negotiating a new agreement wherein she and the buyers ' broker and agent provided the bulk of their commissions to enable a transaction satisfactory to the bank. I have waited a couple months to calm down but it seems implausible to me that Sun Trust can issue a written approval intended in large part to convince sellers of the buyers ' qualification, at the last moment cancel the whole deal based on their error, and walk away scott free.
Consumer complaint received 2017-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I have reached out to Experian regarding XXXX accounts that they continue to report incorrect information from them. I have provided proof to the creditors as well as, Experian. Still Experian continues to report this information alleging they have verified it despite the proof that I have provided them ( see attached ). This has prevented me for going forward with restore my credit. These accounts are reporting my Chapter XXXX BK filing incorrectly. My filing date was XXXX/XXXX/XXXX. They continue to report it as XXXX XXXX with past due amount. So and report that I have been delinquent for the past 3 months. This absolute false and is intentional. Prior to filing, XXXX/XXXX/XXXX I was never later not missed any payments, however, these creditor were notified at the time of filing and simply did not show up at the creditors meeting nor did file information with the courts to be included in the wage earner plan.
Consumer complaint received 2015-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have disputed a XXXX XXXX credit card a few times with all XXXX credit bureau and all XXXX claim XXXX XXXX says the account is mine. When I call XXXX XXXX, they tell me that they have no record of any account with my social security number. They tell me that I should dispute the item on my reports, which of course, I have. I do not know what to do.
Consumer complaint received 2016-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (OH)

I consolidated my students loans through the government, I selected the 30 year repayment for a fixed interest rate. Late last year, FedLoan Servicing, increased my payment by more than {$50.00} because they said they audited my account and determined I would n't pay it off in the 30 year time window. After multiple phone calls with FedLoan Servicing, they said I could n't do anything, I had to pay the new, increased amount. If I wanted it lowered, I would have to change my payment plan to a standard one ( with no guarantee of the interest rate not changing ) but there was no guarantee the payment would go down. They offered no other options, it was pay it or go in default. How can they raise the payment if it was a fixed payment amount for the entire life of the loan? I was sending extra money each month and they were n't applying it to the principal, as I requested, so the interest was only being altered and not by much. I worry that my payment will go up again in a year or two and already it is incredibly high at {$770.00} per month.
Consumer complaint received 2016-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XXXX/XXXX/2016 I was trying to shop around for a new apartment. I had my credit report pulled and I discovered that someone has been using my name for medical service and have utilies in my name. I filed a police report and started a investigation. I have the following items reported to the local authorities ( XXXX Police Dept. ) My Name and SS was used to open several accounts for business or services. There was a Medical bill from a XXXX XXXX # XXXX, XXXX XXXX I never received service in XXXX . There is a XXXX XXXX XXXX # XXXX for a XXXX account that I never opened. There was a XXXX XXXX XXXX XXXX # XXXX I have never done business with this company. XXXX XXXX system # XXXXThere was an account opened at XXXX XXXX XXXX not XXXX account. XXXX XXXX XXXX # # XXXX for a XXXX XXXX XXXX I have never lived at the address listed I do not know who is using my personal information at this time.
Consumer complaint received 2016-11-03
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: SUNTRUST BANKS, INC. (GA)

XX/XX/2015 I bough a XXXX XXXX. I received information to start making payments to Suntrust Bank. I made my payments on time with Suntrust and then I received a letter from XXXX stating that my loan was paid and I would receive title to car in the mail. I received the title in the mail. I called Suntrust to make my payment and I was told that account was closed. I kept trying to make payment to Suntrust and was not able to. I then received a late notice in the mail from Suntrust. I then pulled my contract with XXXX and realized that my XXXX was to be financed with XXXX, not Suntrust Bank. I then proceeded to take letter and title to XXXX to have problem fixed. This was then reported on my credit. The general manager stated that I owned the XXXX and that for me to fix my credit I needed to trade the vechicle in and they would pay off my trade in. I then was financed with a XXXX XXXX pick up truck. 2 months later, I receive a nasty email from the XXXX XXXX stating that they wanted my truck back. They then repocessed my truck at my wife 's job. I was then given back the XXXX and now Suntrust bank wants to repocess the XXXX because payments were not made on the XXXX. I have tried explaining to Suntrust the situation and they will not do anything about it. They are going to take the XXXX back. I feel that this error is with XXXX and they need to fix their mistake. I can not afford to obtain an attorney. I feel that XXXX has committed fraud. I have all documents showing that the contract that I signed is with XXXX, not Suntrust bank.
Consumer complaint received 2016-09-06
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Healthcare Collections-I, LLC (AZ)

My original creditor advised me to contact HCI and make payment to them. I did contact them and started making payments on my own for the original debt. 
This debt collector calls often but hangs ups when I answer or does n't leave a message. I 've already made agreement to make payments for the debt I owe but they are acting strange and unethical by calling and hanging up on me or calling for no reason.
Consumer complaint received 2015-07-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION (LA)

I co-signed the loans for my daughter. They send a reminder via email monthly-before the payment is due. They have misapplied payments numerous times in the past 2 yrs and drive you insane trying to get somebody on the phone to fix it. The woman yesterday blamed my daughter for them not applying the payment correctly. She was rather insistent that my daughter do a phone payment ( bear in mind she was n't even past due ) and urged her to do auto-draft. My daughter told her she would pay online, while she was on the phone. Her letter has XXXX amount-the woman on the phone is telling her a completely different amount due and can not justify why the difference. My daughter hung up on her, after giving her the information for her phone payment. Today they have started the day off at XXXX on my phone with an automated message to call a person that is non-existent. I know that is illegal in the collection agency world so I do n't see how they get away with that. They called my daughter at almost the exact time. She called and got somebody that informed her that the woman yesterday did n't code the account correctly. My daughter explained that she paid online yesterday and the money has already been taken from her checking account. They said the calls would continue for up to 48 hours! That is outrageous-total harassment! They have since called my phone XXXX more times by XXXX. Sallie Mae is going above and beyond to harass my daughter when she has proof that payment was made and the account is XXXX up-to-date. And unfortunately I can not check all XXXX boxes below, but they are NOT handling payments correctly, phone calls persist after we have confirmation they have received them and Customer Service is poor ( at best ).