davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ditech Financial LLC (CA)

There are XXXX companies reporting a delinquent account that originated with a 60 month loan with XXXX that was secured by a vehicle. The Loan was originated on XXXX/XXXX/XXXX for the loan amount of {$18000.00} at 22.99 % APR with the first payment due on XXXX/XXXX/XXXX. I paid this loan as agreed until Approximately XXXX XXXX when the loan was transferred to Green Tree for servicing. I was notified by Green Tree that my balance was still {$13000.00} after I had been paying my payments since XXXX ( 5  years ). I disputed this and refused to pay until I was given proper documentation showing payment history and account balances. I never received any response other than an offer to settle the account on XXXX XXXX, XXXX which I refused via fax on XXXX XXXX, XXXX and asked them to come and pick up the car that the loan was secured on. Green Tree then transferred the Loan to Ditech Financial who also tried to collect before selling the account to XXXX XXXX. I currently have a delinquent closed account being reported on all XXXX of my credit bureau reports by Ditech Financial LLC for the loan which was originated with XXXX as well as a delinquent Open Collection Account on all XXXX of my credit bureau reports by XXXX XXXX in the amount of {$13000.00} which again was originated with XXXX. My credit reports also show that the Loan which originated as a 60 month, 22.99 % APR loan secured by a vehicle is now showing as a 128 month real estate loan secured by a property and with a completely different interest rate of 13.32000 % ( shown on the Green Tree Welcome Letter ) ; completely different than the Original Note ( Shown on the XXXX Loan Origination Note ) The Green Tree Welcome letter does however reflect the correct XXXX Loan/Account number and corresponding Green Tree account number, which is then referenced by Ditech Financial and XXXX XXXX. I will also include a letter from XXXX stating that they no longer have any of the documents of my real estate loan that was originated with them ( it was actually a 60 month vehicle loan that originated on XXXX XXXX, XXXX ) so they will delete the account from my XXXX agency credit reports. I would like to have any delinquent accounts associated with the Loan that was Originated with XXXX be deleted from all XXXX of my credit bureau reports PERMANENTLY Deleted.
Consumer complaint received 2017-05-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (NY)

I started a short sale in XXXX XXXX with XXXX XXXX as the executor of the property that was owned by my mother. When we found a buyer we started the process of submitting documents to XXXX XXXX. Since this was a XXXX XXXX loan, we were directed to submit the file to XXXX XXXX directly and they would work with us to get an approval. While negotiating with XXXX XXXX they sent an e-mail with a counter offer to the offer that was submitted. The buyer decided to accept the counter. While the amended documents were being prepared, XXXX XXXX informed us in XXXX the loan was sold and we had to wait until XXXX XXXX to get in touch with the new servicer. They informed us that we would have to start the process over again with the new servicer. We waited and submitted the offer again to the new servicer, Selene financing. After the servicer reviewed the documents and the value, on XXXX XXXX we were told the investor has to net {$380000.00}. The buyer had to increase the offer which he agreed to and we submitted all the amended documents. After waiting over a month for a response, on XXXX XXXX we received an e-mail that the investor has to net {$400000.00} based on the new value that was received from an exterior BPO. However this was not the net that we were told on XXXX XXXX. We were told the change in value was due to a new exterior BPO that was completed. This property is an estate sale that has been sitting empty for a year. During the winter months, pipes froze and burst and there is water damage, mold and other issues that need to be addressed in the property. Therefore an exterior only BPO would not allow for an accurate value of the property. Additionally an Inspection report was also submitted with the offer which provided the details of the disrepair in the property. As the executor of my mothers estate I am doing the best that I can to manage the sale of this property. However, I am currently on working for the government in XXXX and this process has been very frustrating and tedious to say the least. The amount of paperwork and the back and forth while I am in a different time zone has not been easy. I would like assistance in getting this short sale process completed.
Consumer complaint received 2024-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Demand for Deletion of Unauthorized and Unverifiable Hard Inquiries Dear TransUnion, I am writing to formally dispute and demand the immediate deletion of unauthorized and unverifiable hard inquiries that appear on my credit report maintained by TransUnion LLC. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, I request that you conduct a thorough investigation into the following inquiries : 1. XXXX date : XX/XX/2023 XXXX XXXX date : XX/XX/2022 These inquiries are a violation of my privacy rights and have been made without my consent. 

2. **Verification of inquiries : ** For each inquiry listed, please provide verification that it was authorized by me or otherwise permissible under the provisions of the FCRA . This includes any permissible purpose under 15 USC 1681b. 

According to 15 USC 1681b, consumer reporting agencies such as TransUnion must ensure that any information they report is accurate, up-to-date, and verifiable. Unauthorized inquiries not only jeopardize my credit score but also infringe upon my rights under federal law. 

I demand that all unauthorized and unverifiable hard inquiries be promptly deleted from my credit report. Please provide written confirmation once this investigation is completed and the unauthorized inquiries have been removed. 

Additionally, as per the FCRA, I request that you provide me with a free copy of my updated credit report once the unauthorized inquiries have been removed. 

Please respond in writing within XXXX  days of receipt of this letter. Failure to comply with these requests will leave me no choice but to pursue legal remedies available to me under federal law. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-05-16
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. (NC)

XXXX XXXX, 2017 Bureau of Consumer Protection Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX, DC XXXX RE : FAILURE TO INVESTIGATE PROPERLY To Whom It May Concern : On XXXX XXXX, 2017, I filed an online dispute with XXXX  after reviewing my credit file only to find a number of inquiries that were bogus. XXXX clearly did not follow the law and properly investigate the inquiries because they completed the investigation in the same day ( please review the documents enclosed ). There are inquires I did not make, some that are more than 2 years old ( should be removed ) as well as duplicate bogus inquires. XXXX has not followed the stipulations of the law. Attached you will see a copy of my dispute information where dispute number XXXX was completed on XXXX XXXX, 2017 yet you can see in the attachment title ( disputes filed ) that, that was also the same day that I submitted the dispute. After viewing that item I request that you view the XXXX, there you will see duplicate inquiries from XXXX XXXX that ARE NOT MINE, Multiple XXXX XXXX Inquires within days, ARE NOT MINE. XXXX XXXX XXXX is 2 years old should have been removed, XXXX XXXX XXXX I have never granted them permission to access my credit file. XXXX XXXX XXXX is also not MINE, I have not given them permission to view or pull my credit file. Is it true may suffer damages because of XXXX lack of response and improper investigation. Please require them to remove this bogus, duplicate and old information. If you have any questions or need additional information, please contact me at the address noted below. Thank you. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2017-05-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

Middle o f  XX/XX/XXXX  : re quested statements to show how payment are being applied and balance information. Was told " I do not have a payment due, no invoice will be sent ''. I could not register an online account to get what i needed.      XX/XX/XXXX  : I ( father co-signer ) asked  XXXX   XXXX  ( daughter ) " I need you to verify that the  2nd payment to Navient  is being applied to the principal, if not make it from here on out.   "  XXXX , make sure th e 2nd  payment is applied to the principle not the interest. Go on online and ... better still do a screen shot and send me the the last 5 months '' Dad, I 'll probably have to call them tomorrow. Its not recognizing my info to let me register.      XX/XX/XXXX  : Dad, I got a headache talking to those people a t Navient..Majority of  your payments go towards the principle. They said for your {$150.00} payment, {$120.00} went towards the principal Dad, I 'm still having problems logging in online, but I 'll send you the screenshots once I get in.     Frustrated we gave up on further communication its too stressful. I attempted to open account a year or so once I saw it on credit report. To no avail I have called numerous times requesting an monthly invoice on balances, interest, how much of the monthly payments went toward principle and interest.   Making  2 p ayments a month of {$150.00} the obligate is {$130.00} a month {$180.00} was request to be applied to principle, according to end of year statement.     Refinance home to payoff loan - called on  XX/XX/XXXX  requested payoff balance and interest, principle payment of all past payments. Then it was {$15000.00}. Was told it tak e 10 to  20 days for the statement to be mailed. Received on  XX/XX/XXXX  a list of payments and dates, no balance as of dates, no balances at all.   Called on  XX/XX/XXXX  to ask for payoff balance and payments interest principle for every month I have been making payments. I was also told the  1st payment of {$150.00}, {$50.00} is interest and the 2nd  payment that month of another {$150.00} {$25.00} is interest. As of this complaint have not received anything else.     They are make extremely difficult to make payments, to get accurate information on accounts, ignoring complaints, giving inaccurate information, incorrectly processing payme nts. Navient 's c ustomer support are extremely rude and hostile. Like debt collection agencies!    XXXX   XXXX  Co-signer Account #  XXXX   (  on recent correspondence  ) Loan  #  XXXX  Account #  XXXX   (  on  XXXX   XXXX  )
Consumer complaint received 2017-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP (FL)

This is my third complaint against usbank credt card, after trying to reach a payment agreement unsuccessfully several times. This financial institution tries to manipulate the minimum payment with increments of the APR without control, changing the terms in its way so as to affect the consumers that like I have been paying for my account for a long time and suffering overdrafts due to the indiscriminate increase of the minimum payment Without prior notice by mail, from my second complaint on  XXXX   XXXX ,   XXXX   this institution sent me the change of terms by mail to cover up their mistakes so far. For me it has been a great nightmare to have fallen into the deception on the part of this " misleading offer of credit '', for which the consumer can not pay and then his credit is damaged.   I ask once more to take this into consideration since it is difficult for me to reach an agreement with this the poorest financial institution I have ever known in my life, and I do not want others to happen to it. My  XXXX  accounts are closed therefore I do not have to pay any membership, besides that must be subject to the lowest APR that I had, in order to have a formal agreement and not abusive payment.And I want to remember that I asked that my accounts be closed years ago to take me to the lowest interests and without any type of membership or additional collection Sincerely  XXXX   XXXX   XXXX
Consumer complaint received 2017-05-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (MI)

On  XXXX   XXXX  around  XXXX  EST, I calle d Sallie Mae  customer support in regards to potentially reducing my monthly student loan payments due to financial difficulty. Initially I was offered to put up t o 3 loans on forbearance for up to 3 months at a time each . As I informed the customer support contact, such a method is temporary, limited, and not substantially helpful.     I asked for a more effective method to lower my monthly payments. After some time on hold, I was informed of a rate reduction plan available only to those who have missed have a payment, known as " delinquent ''. I then asked why I can not enroll/apply for this program now instead of after missing a payment. I was told that only the collection department can do assist with that and they will ONLY contact me 5 days after my first missed payment. They will not help me because my account is " current '' for paying my student loan bills on time.     The burden of student debt has been especially crippling after college graduation and some relief or assistance would be incredibly appreciated.
Consumer complaint received 2017-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX, XXXX and Transunion have just added three " 90 day late '' marks on my credit report for my closed and paid off XXXX credit card. I paid this account off a couple of months ago so I do n't understand why there are new late marks when there is n't even a balance on the account. The account number on my credit report is " XXXX ''. How is this possible? How can I be late on an account that has been reporting as paid for months? I am including a screenshot of a XX/XX/2017 report and another screenshot of a XX/XX/2017 report for comparison. I have highlighted the information that is incorrect.
Consumer complaint received 2017-05-17
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: EQUIFAX, INC. (FL)

I submitted a copy of the letter to equifax stating the inquiries made to my credit report on  XXXX   XXXX ,    2017  were submitted in error. Please remove them.
Consumer complaint received 2017-05-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

In   XXXX  , my wife had   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and was not able to work. I could not make my mortgage payment on time to  Wells Fargo Home Mortgage. We submit paper work for a Loan Modification and th e bank did not approved it. Later on I visited a lawy er (   XXXX   XXXX   XXXX   XXXX   ), a nd the file bankruptcy for me, and they talked to the bank as well, and provide documentation again but the bank denied t he Loan Modification.    Now, my apartment is in foreclosure and they want also to do a short sale on the property also. I negotia ted with Wells Fargo agai n on  XXXX  for a modification and they dined it. The interest in the property is around 7 % which is not the interest on the market right now I want to keep my apartment, and I feel I am not well represented, and the bank it is not giving or helping on my situation.     Thank you
Consumer complaint received 2017-05-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

again wells fargo cant get thru cant get a  n ex tension for   XXXX   XXXX   mediation person to get my documents to avoid foreclosure. try to leave a message to no avail cant take this stress should not have to. i am told she cant talk to me when account is in litigation but my deadline for docs is   XXXX   and i have many questions and dont have some of the docs she needs etc. please also note i sent a request to bank about loan I am filing motion for summary judgment to dismiss foreclosure but am concerned over the lack of responsiveness despite many messages for mediation person  XXXX   XXXX . Still have no answer as to whether property taxes were adjusted as a result of what i sent in to do it. but mainly i am trying to protect myself. i need to hear from   XXXX   XXXX   for whom i left many messages so i can return docs to her for loan modification. i am also concerned based on past experience that this request will be handled fairly please send this to them at once.   this should not be so difficult. i have also applied to hardest hit program. foreclosure complaint is problematic. i have requested discovery from bank as well
Consumer complaint received 2017-05-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

on  XXXX / XXXX / 2017  review credit report #  XXXX , discover numerous disputable accounts, went to http : //trasunion.com/disputeonline and was refused the ability to dispute, attempted their suggested process 3 times.     I have mailed them a certified validation letter regarding the specifically disputed accounts and inquires.
Consumer complaint received 2017-05-16
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: National Account Systems of Omaha, LLC (IL)

I have sent several letters and a police report.  XXXX  is having a problem removing this off my credit report. I never had a car loan from  National Account System  XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX , (  XXXX  )  XXXX . I never lived in  XXXX ,  NE  and asked them to send me proof of the sign contract and no response. Please remove this off my credit report. The dates was  XXXX / XXXX /  XXXX   collection date and loan begin in  XXXX   XXXX .
Consumer complaint received 2017-05-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

I have been trying to get either a loan modification or an alternative for foreclosure since I got behind on my mortgage payments. However,  Ocwen Loan Servicing, LLC ( hereinafter " Ocwen '' ), my lender has not made the efforts to he lp me. I have submitted a complete loss mitigation package by  XXXX   XXXX ,  XXXX , at le ast 8 busines s days before the schedule sale. But,  Ocwen  asked for more documents that they already had in their possession around  XXXX   XXXX ,  XXXX . On  XXXX   XXXX ,  XXXX , I received an email telling me that it is impossible to stop the sale date because there is not enough time for a review. My husband and I have settled the second loan. Please see related information regarding this second loan settlement. We can work on a short sale or a deed in lieu of foreclosure now that the title is clear. However, we need our lender to allow more time to explore these options.
Consumer complaint received 2017-05-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (SC)

The credit report accuracy dispute process does not allow for a dispute in regards to improper handling of credit inquiries by the agency. It is my understanding that the CFPB requires agencies to consider multiple mortgage loan inquiries within a 45 day time period to be classified as only a single hard inquiry. Equifax has both of the following inquiries noted as separate hard inquiries even though both are for the same mortgage loan.  One  is from  XXXX  and the other from   XXXX   XXXX   XXXX   XXXX  . I can not dispute this directly with them as their process only addresses individually reported items, not classification errors.      EQUIFAX CREDIT IN QUIRIES  XXXX   Inquiry    XXXX   XXXX   XXXX      XXXX /  XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX
Consumer complaint received 2017-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

XX/XX/XXXX   XXXX   XXXX    Requested a " Stop Junction '' from Ocwen Mtg. Selling my home on the court house steps. After illegally FORECLOSING!!!
Judge award  ed   XXXX   XXXX   .from pri nciple, {$47000.00} from areages & REPAIR CREDIT, of which they NEVER DID.   Come  XX/XX/XXXX , They IllegalLY FORECLOSED ONCE AGAIN!!!   CAUSING HAVOC ON MY SM. BUSINE SS ; ( OCWEN ADDED A SERVICING FEE, OF OVER {$9000.00} WHICH GREW TO {$18.00}. THAT IS WHEN THEY TOLD ME TO " PAY OR QUIT ''. AFTER 6 YRS. HAVING SHOWN PROOF OF 12  payment 's, GOING BACK FROM  XX/XX/XXXX , ONLY   HAVING PROVED them to have been notarized, front & Back, THAT THIS MT   G. FIRM, Ocwen HAD BEEN EMBEZZLING my HOUSE PAYMENT 'S!!! NEVER HAD I BEEN GIVEN CREDIT. THEY CONTINUOUSLY ASK FOR PROOF OF PAYMENT FROM PREVIOUS MONTHS. MY     BUSINESS    NOW, OVER 20YRS, WHICH I
  XXXX   XXXX   OWN & OPERATE   HAVE SUFFERED IMMENSELY : ( NOT MENTIONING MY HEALTH IS NOW   FAILING DUE TO   XXXX  !!! I 've CONTEMPLATED SERIOUS ACT 'S ONLY HAVING REALIZED, THIS PLACE IS TEMPORARY!
Consumer complaint received 2017-05-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CO)

I have paid for mortgage modification in   XXXX    2016.  My grandmother passed away at the end of   XXXX    in 2016 we   were approved for modification and started our trial payments   XXXX    2016 with s uccessfully completed  the trail w e receive the final modification documents in  XXXX  however they were in my grandmother 's name. I am there I am the executor of her estate and I called nation star mortgage to find out how to sign the documents they told me to sign them as my name, executor now they 're explaining that I 'm not able to do that and I have to reapply I reapplied on   XXXX   XXXX   and they still have no decision they have not acknowledged my application for modification they have not canceled the existing modification and now my mortgage  is five months b ehind they will not except  one pa yment and I need some assistance