davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Advanced Resolution Services Inc. (MT)

I have contacted ARS multiple times about this issue. On my ARS consumer credit report ARS has information reported incorrectly. ARS log XXXX Page 3 of 60 item 9, ARS reports a bankruptcy with a date of XX/XX/90. Bankruptcy are to remain on record for 10 years this is OVER 30 YEARS I will attach copies of these pages. Also I have sent to ARS a letter in which XXXX, XXXX, and XXXX XXXX have tried to verify information about a XXXX XXXXXXXX and was unable to do so. I have contacted ARS and they have refused to remove the bankruptcy from my ARS credit report.
Consumer complaint received 2016-06-13
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (OR)

I have attempted several times ( 6 or more in the past 3-4 months to get a a loan modification package. My loan was sold to Fay Servicing while I was in the middle of a modification review with my prior lender. I get letters almost daily of a new acct manager in which I call and to no avail can reach live. I leave a message and do not receive call backs to answer my questions. I call the toll free telephone # and told I have yet another account manager. the lender stated to the courts they tried contacting me and serving my household since XXXX 2016 with no success. they got permission from the courts to serve publicly in the paper. There is someone at my house 24x7 and there were NO attempts to serve me. my home is going up for aution on XXXX/XXXX/16 and I have yet to get a call back from any of the many acct managers I was assigned. I also requested the investors contact information, telephone number and mailing address in which I was denied.
Consumer complaint received 2015-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Someone is beginning to use my identity. They have requested a credit card under my name from XXXX which was denied. Was hacked into XXXX of my credit cards with XXXX XXXX. So far no problems. I suspect who is doing it, but none of the XXXX agencies are doing anything to help
Consumer complaint received 2016-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hello I had inquiries removed from trans union and they were put back on making my credit score go down. They admit to a glitch in their system but yet continue to say I was n't affected by it. I asked to be transfered to special handling US department but was refused. The operator kept telling me they could n't transfer me. So then I proceeded to ask for direct number to special handling and was told they did n't have the number, after acknowledging they do have special handling. They refuse to give me any answers and then I was told the call was being terminated. I attempted calling 3 times today alone, I just want answer
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WA)

On XX/XX/2023 I sent Experian a certified letter ( XXXX ) which they received on XX/XX/2023. This letter notified them that they are violating the Fair Credit Reporting Act by including information in my report which is inaccurate. This information includes addresses which are not deliverable to me by USPS. As of today 's date, XX/XX/2023 the inaccurate information has not been removed from my credit report, nor has the other personal information been changed as requested. I even submitted a copy of my driver 's license and bank statement.
Consumer complaint received 2016-07-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION (NC)

I had gotten XXXX student loans through Sallie Mae, the XXXX was a loan that would not require any payment till I was out of school. The XXXX I had applied for, to my understanding, would be the same as the XXXX. Come to find out a month and a half later I was behind on a payment of XXXX dollars. No big deal, but it was never explained clearly that I would have to make those payments while I was still in school. The six months then passed since I was out of school and I was to start making the payments on my loans, it was about XXXX dollars a month for XXXX not bad that 's deal-able, a few months afterwards my payments pretty much doubled, and I have been struggling to keep my payments up to date and current ever since, all to save my credit so there would be no bad marks on it from falling behind on a student loan. It was starting to get difficult so I had called looking for help but came up empty handed. So I tried to just deal with it. Well the time had come where I had finally fallen behind and had been late on a payment, so I called looking for help again. Again I came up empty handed, they did n't want to talk to me and only offered a forbearance. I then became two months behind and had called, again only offering me forbearance. Three months behind due to financial problems, and still the only thing offered to me was forbearance. I was finally able to get caught up with no help from Sallie Mae, but shortly after I received a letter in the mail from them. This letter consisted of options that could be offered to me and that I could apply for to help me with the process of paying my loans back. I called to ask about these options and was denied again. they told me they had no idea what letter I was looking at because they had no record of sending anything to me, both me and my cosigner received the letter the same day. I called and complained to Sallie Mae demanding to know about these options but because I was caught up they could no longer offer me anything other than, you guessed it, forbearance. I then filed a complaint with the XXXX and the next day Sallie Mae called to get my side of the story. Today I received the follow up call from talking with Sallie Mae, they were to review my case and find out what they could do for me. Again they gave me the same run around of you 're loans are current we cant do anything the only thing we can offer is forbearance. I have called and asked and asked and all I get is sorry we ca n't help the only thing we can offer is forbearance. All I want is help, but they have done nothing to help.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the FCRA, the creditors has violated my rights. Under 15 U.S.C 1681 section 602A states I have a right to privacy. Under 15 U.S.C 1681 section 604A section 2, it states a consumer reporting agency can not furnish an account without my written instructions. Under 25 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2016-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX Dear Investigations Department : I am writing to request an investigation for TransUnion credit bureau. After reviewing my credit report, I noticed in XXXX there were several hard inquires that were removed and then reinstated on my credit report without prior written notification. I called TransUnion ( XXXX ) XXXX XXXX XXXX XXXX different times - Special Handling Department - to have all hard inquiries on XXXX 2016 and prior to XXXX 2016 removed from my credit report. 
I 've spoken with several customer service representatives and supervisors to resolve this issue. They all told me that " per their records - I was not affected by the glitch that occurred XXXX 2016 and nothing would be removed from my credit report ''. I know this is inaccurate information, and that this outage affected my credit report. What TransUnion has done with my credit report is unfair, deceptive, and fraudulent. 
I have the up most confidence that the CFPB will up hold The Fair Credit Reporting Act, 15 U.S.C. 1681 ( " FCRA '' ), which clearly prevents what TransUnion is doing. 

Thank you in advance for your prompt response and investigation! 

XXXX XXXX
Consumer complaint received 2016-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (IL)

I applied to pay my loans through XXXX. During the application period I had XXXX payment to make, but was advised by the FedLoan Servicing not to make this payment because I would be placed on administrative forbearance while my application was being processed. However, FedLoan later decided, without notifying me, that I was not eligible for administrative forbearance, which let my account slip into past due. I noticed this on my own, again receiving no notice from FedLoan, and called FedLoan to figure out why the account was now past due. A FedLoan employee advised that the paper work for my administrative forbearance was not correct and that he would re-do the paper work so that administrative forbearance would be applied and my loans would not be past due. Again, this never happened and I was not notified until my account was now 90 days past due. FedLoan reported the 90 day delinquency to the credit bureaus and my credit score drop from XXXX to XXXX. Shortly thereafter, my XXXX application finished processing and the previous payment that I owed ( and was falsely delinquent ) was removed from my balance. I never had to pay it, once the XXXX application processed. However, the damage was already done as FedLoan falsely reported that I was 90 days delinquent and my credit score has gone from Good to Bad.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Hi this is my second Complaint regarding the Credit Reporting Agencies and their improper furnishing of inaccurate information on my credit reports after they claim they investigated. To date i have no verified proof nor names of the persons that allege in writing a verified debt. Federal and state laws in Texas state that what i am going through as a protected class of consumer is against the law. Please see Attached Identity theft report the listed accounts violate my right to privacy and confidentiality under 15 USC 1681. I have the right to privacy and under 15 USC 1681 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In addition, 15 USC 1681c ( a ) ( 5 ) states No Consumer reporting agency may make any consumer report containing any of the following items of information, any other ADVERSE item of information, other than records of convictions of crimes which antedates the report by more than seven years. And lastly under 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate. Accounts for deletion : N/A XXXX reported XX/XX/XXXX Past due {$2400.00}, Accounts for deletion : XXXX XXXXXXXX reported XX/XX/XXXX {$4000.00} Accounts for deletion : N/A XXXX reported XX/XX/XXXX Account for deletion : N/A XXXX reported XX/XX/XXXX {$700.00} Accounts for deletion : XXXX XXXX ACCOUNT FOR DELETION XXXX XXXX XXXXXXXX REPORTED XX/XX/XXXX {$590.00} ACCOUNTS FOR DELETION : XXXXXXXX XXXX XXXXXXXX reported XX/XX/XXXX {$18000.00} Accounts for deletion : XXXX
Consumer complaint received 2015-10-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I originally contacted Experian with a dispute on XXXX XXXX, 2015. I never heard from them. I contacted them by Telephone on XXXX XXXX, 2015 informing them that i had not heard back from them. So mailed me a credit report and that account that do not belong to me and is reporting inaccurate personal information.
Consumer complaint received 2015-12-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SN SERVICING CORPORATION (TX)

I am in the processing of selling my home and the mortgage company sent me a payoff that is XXXX over the principle balance in the monthly statements they have been sending me. I have requested for 2 months for an explanation of the reason for the dollar amount of the principle and to this date XXXX/XXXX/XXXX have not received an explanation. Back in XXXX XXXX I requested an explanation of the loan summary and never got a response. I am attaching the email I sent them asking questions that were never answered. 
To : SN Servicing Corp XXXX XXXX, XXXX Attention : XXXX XXXX Re : Loan XXXX, After we have reviewed our loan history you provided, we have questions. Please look over and send explanations of the following questions : 1 ) It is our understanding once the Bankruptcy was approved, all past due P & I and any late or legal fees were included in the amount for the Bankruptcy. But it does n't appear based on the loan history you provided, that this is correct. 
2 ) It is also our understanding that there should be a late fee applied only if our payment is 16 days or more past the due date ( the XXXX of the month ), since going into Bankruptcy. But it appears that there are late fees applied when it should not have been. 
3 ) The loan history you provided shows our first payment on XXXX/XXXX/XXXX was applied to the XXXX/XXXX/XXXX payment and this payment according to the Bankruptcy was suppose to be applied for the XXXX/XXXX/XXXX payment. All payments that are applied since Bankruptcy started are being applied to past due payments that are included in the Bankruptcy total you presented to the Trustee. 
4 ) The loan history you provided shows at the time of Bankruptcy we were only XXXX payments behind and not XXXX payments according to what you provided the Trustee. 
5 ) There are many transaction descriptions that shows " other fee assessments '' and we understand the late fee for the payment, but what are all the other fee assessments. There is not a column for the balance of these transactions. 
6 ) There are many transactions for legal and attorney fees. We would like a description of what these are for. 
7 ) There is a column marked " Unapplied Balance '', we would like to know what this column represents and what are the monies going into this column. 
8 ) We would like an explanation regarding the P & I adjustments when no payment is being made. For example on XXXX/XXXX/XXXX our principle balance went up XXXX, but no explanation as to why it increased. 
9 ) When we make a payment, we understand that any monies over and above the payment amount is suppose to be applied to interest first then principle. On the loan history you provided, this is not always the case. 
I sent this email on XXXX XXXX, XXXX, and to this date have not been answered. I have researched an read complaints about this company. The only answer I would like to get is an honest one and oh yeah, an answers to my questions.
Consumer complaint received 2016-08-09
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

A merchant, XXXX, scammed me into seeking their services. Later, the merchant stated they would be ending there services yet still charged my card at a later point. The merchant was suppose to handle XXXX separate cases fully, they did not and did not fulfill the contract. I had to hire XXXX other firms to perform the service. In addition, after speaking to multiple ( similar merchant, third parties ) they all reported that the credit card company should protect me from the original merchants charges. As of today, Bank of America has given me the run around instead of fulfilling their promise to protect consumers and has failed to comply with the Fair Credit Billing Act. I have had an attorney write to the credit card company explaining that the charges from the original merchant should be returned, however Bank of America has refused to assist the consumer..
Consumer complaint received 2016-01-03
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (TX)

On the XXXX of XXXX I made a payment for {$600.00} to my mortgage company ( SunTrust ). I made that payment using my banks web-site service. On the XXXX I made another payment using the SunTrust ( ST ) web-site. That payment got lost and they claim they never received it. I contacted SunTrust and informed them that I had a tracking number and the money was taken out of my account. ST told me they have not received it and that their web-site takes you to a third party when I make this kind of payment and they have no control over it. I was also told to fax my account statement to prove my complaint. After getting no where I was able to talk to management and I was told my second payment was mailed instead of being sent e-pay by third party which provides this service for ST. She told me that she would waive the late payment and she was sorry. On XXXX XXXX, received an email stating next payment due for XXXX 2016 is {$1100.00} so I assumed the problem was corrected. On XXXX XXXX, 2016 I received another e-mail that a payment of {$2300.00} is due now.
Consumer complaint received 2015-10-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IL)

To begin my story, I decided to attend XXXX School specifically XXXX XXXX XXXX XXXX XXXX in XXXX, Texas. At the time, I had just gone through a bankruptcy so I had to take out a private student loan which had a high interest rate to pay for college. Everything was ok at the beginning, I started to attend class and was doing very well. As I was attending class I was put on a payment plan by the XXXX XXXX, things were ok for a while but as school started to get more demanding I could not work as much and my payment plan with the school started to suffer. Because, I could not keep up with my payment plan, I was told by the administrative staff at the Culinary Academy that I was going to be withdrawn from the school for non-payment. The most disappointing aspect of all this was that I was XXXX semesters from graduating!! So, after a long battle with the school, I start my XXXX career, which needless to say was extremely hard. There was never enough money to pay off the private and/or federal student loans, so I had to keep putting my loans in a deferred status, I think at one point I started with a XXXX to XXXX XXXX dollar loan and it just ballooned over time to XXXX XXXX dollarrs because I could never pay it back. I went along like this for years, until I ran out of time, I could no longer defer my payments. Since XXXX or XXXX I have been struggling to pay my student loans. At one point, I was so destitute I could not pay the loans and my credit was ruined by the loan provider ( XXXX XXXX XXXX I finally reached out to them and they got my loans back on track so I would not default, however it was too late my credit had already been damaged. Since then, I have tried to keep up but the payments for my private loan and federal loan add up to about roughly {$800.00} a month ... I just ca n't pay that anymore!! As of XXXX I reached out to XXXX which is now Navient and tried to work out a interest rate reduction and or payment amount reduction with Navient but they have yet to agree some relief!. They advised that me and my co-signer had to perform a financial analysis, which we did, only to be told that I did not qualify!! Which I do n't believe. As it stands right, I have a outstanding loan of about {$69000.00} dollars and {$40000.00} of that are part of the private loan and the private loan payment is {$600.00} a month at almost 14 % interest. At this rate I will not pay off my loan until XXXX, maybe even later ... I can not sustain this type of payment, I am going crazy!! it is really affecting my life. I am not sure what your organization can do to help, but any help would be much appreciated. The guess the most hurtful thing about all of this is that I did not get to graduate from college, I did not get a degree but I am still paying XXXX dollars to an organization ( Navient, formerly know as XXXX ) and having nothing to show for it. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-19
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: Experian Information Solutions Inc. (MA)

Experian continues to report inaccurate information on Charged off XXXX XXXX accounts XXXX. Experian is reporting Last Payment Date of XX/XX/XXXX and the payment history is reporting XXXX. This information is inaccurate and inconsistently being reported. I have attached a copy of a recent Experian report dated XXXX XXXX showing the inaccurate and inconsistent reporting of Last Payment Date being reported. I have highlighted in yellow showing the inaccurate and inconsistent Last Payment Date. Experian please see attached copy of my Experian report showing the inaccurate and inconsistent Last Payment Date in yellow.
Consumer complaint received 2016-11-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I resided at Edge XXXX XXXX OH for XXXX month and left after my contact expired paying all my bills in full. However the management sent my account to collection agency and reported me to credit bureau stating there are an outstanding balance of {$960.00}. I reached out to XXXX which is the management and i was told i have to pay a sub leasing fee of {$960.00} although, there is no agreement made between me and XXXX and my contract was maintained until i left and there were no violation whats so ever. I left after XXXX month residing at XXXX because i was relocated to Michigan for work and i supplied them with a documentation stating my situation and I brought in a new tenant my self to take over the remaining XXXX month rent without any cost to XXXX or any damage to property. 
Despite all my effort to leave the property in a good term XXXX decided to billed me {$960.00} which i strongly disagreed. 
As a result I have a derogatory marks in my credit history hence XXXX reporting. I would like the bureau to remove this derogatory marks based on inaccurate information.