davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

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 items ( A ). It is not permissible to fail to validate these reporting items 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 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 2017-09-18
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. (IN)

Equifax, XXXX, and XXXX all showed my name and report as having an account with XXXX Credit Cards. XXXX dispute was good and the bad information was removed. Equifax will not answer the phones and the on line service will not function at all. 

I have contacted XXXX Cards and they say they can not talk to me about the account because I am not on the account and they can find no record of an account in my SS #. I asked for a written statement to that effect and they told me I had to dispute it through the individual bureaus. I have done it and all but Equifax have fixed it. 

I sold my house and now can not get a mortgage due to this error. How in the heck do I fix it?
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Checkr, Inc (WI)

On XX/XX/year> I was offered a position with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my background check was performed by checkr. Not only was there charges on the report that were XXXX ( XXXX ) years old, and another that was XXXX ( XXXX ) years old they were closed cases with time served and then the one they claim was the only XXXX in question although they wanted an explanation for all charges on the report, was just a little over XXXX ( XXXX ) years old it too was closed, and time served and my DEBT was paid. Furthermore, none of these charges had any Baisis on me being able to perform the job duties, which violates USC 15 section 1681 ( 2 ) k. So, I waited till today when the head of HR would be back into the office so they can decide if they were going to violate my Rights or continue to extend the already signed offer letter. they choose to violate USC 15 section 1681 ( 2 ) k instead of honoring their offer.
Consumer complaint received 2022-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items 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 updated : 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 2022-08-25
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: Experian Information Solutions Inc. (CA)

My complaint is against Experian XXXX XXXX XXXX Score for auto, do not show the four auto loans that I have paid off. Current I am seeking to purchase a vehicle and when the deals run the XXXX XXXX score, it doesn't show the vehicle have been paid off and cause me to have a low XXXX XXXX score and not able to purchase a vehicle. 

XXXX XXXX XXXX XXXX XXXX Balance details Balance on XX/XX/XXXX - Original balance {$9000.00} Account status Closed Date opened XX/XX/XXXX Account type Auto Loan XXXX XXXX Balance details Balance on XX/XX/XXXX - Original balance {$15000.00} Closed Date opened XX/XX/XXXX Account type Auto Loan XXXX XXXX Balance details Balance on XX/XX/XXXX - Original balance {$11000.00} Account status Closed Date opened XX/XX/XXXX Account type Auto Loan XXXX XXXX CRED Balance details Balance on XX/XX/XXXX - Original balance {$2500.00} Account status Closed Date opened XX/XX/XXXX Account type Auto Loan
Consumer complaint received 2021-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (FL)

CKS PRIME INVESTMENTS, LLC  XXXX XXXX XXXX XXXX XXXX XXXXHAS PLACED A COLLECTION ON MY TRANSUNUON CREDIT REPORT AND SENDING ME NOTICES IN THE AMOUNT OF XXXX  THE COLLECTION IS BEING REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE
Consumer complaint received 2023-05-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

1 ) The mortgage servicer Select Portfolio Servicing, Inc denied my request for a loan modification in XX/XX/XXXX. The reason for the denial was not provided. A generic denial was provided stating I did not qualify for any workout assistance except short sale or liquidation. 

XXXX ) Select Portfolio Servicing, Inc refused to honor the request for mortgage assistance for the short sale application that was forwarded after the denial of the modification. The short sale application was sent in XXXX, again in XXXX, and finally confirmed on XX/XX/XXXX, to be received by Select Portfolio Servicing , Inc . 

3 ) Select Portfolio, Inc stated verbally that they would open the case because of the confusion with the prior submission. However, was confirmed and received they denied the review of the application and continued with the foreclosure sale date on record of XX/XX/XXXX. 





4 ) I continued to search for someone to buy my home and finally entered a ratified contract to sell my property on XX/XX/XXXX. The information was immediately sent to Select Portfolio Servicing , Inc requesting a postponement of the scheduled XX/XX/XXXX, sale date. The purchase amount would pay Select Portfolio Servicing, Inc off in full and allow me to obtain funds to move. Select Portfolio Servicing, Inc once again denies the postponement request. They would rather foreclose on me than postpone the sale 30-40 days and allow me to pay them off and obtain a little profit.

5 ) The actions of Select Portfolio Servicing, Inc are consistent with Equity Stripping and Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance options. This practice violates federal law ( 12 C.F.R. j 1024.41 ) ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of January 10, 2014. Among other things, the rules restrict dual tracking.

6 ) Select Portfolio Servicing , Inc has established a history of misleading practices pertaining to CFPB guidelines and the Dodd-Frank Act. These violations are being addressed in the Qualified Written Request.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXA XXXX XXXX XXXX AV XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-30
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: Paramount GR Holdings, LLC (CA)

I purchased a home with a solar loan in XXXX XXXX. There was an exciting solar loan with XXXX, which became Goodleap ; that I applied to transfer over to my name. Goodleap and the escrow company did not due diligence on the paperwork and did not record the transfer of sale until XX/XX/XXXX. I received an email regarding the transfer and when we could start making payments. I set up a payment plan with the company Goodleap starting XXXX XXXX. At that time I was given an account number and the payment schedule. I have made payments on time since without any late payments. Recently, I discovered that I had been reported to the credit bureaus as having late payments since XX/XX/XXXX including XX/XX/XXXX and XX/XX/XXXX. I have made reports with the credit bureaus. In additon, I tried to correct the issue with Goodleap which has not responded to any of my attempt at solving this issue to correct the credit reporting on my behalf. 

Since the purchase of the home, I have made numerous attempts to pay Goodleap. Goodleap representatives kept telling me I had no account or loan with their company. I went as far as contacting the seller of the property to get information about who to contact to pay the solar company, to no avail. 

Ever since the payment plan had been agreed to with Goodleap, they began harassing us through text messages and calls stating that we are delinquent in our payments. I sent an email and spoke to several representatives regarding the harassment and asked them to stop as I had been current on my loan. The texts and calls and harassment continued. After emailing the representative regarding the harassment she told me that the payment plan we agreed to was not being honored. I was never contacted or informed that the company Goodleap was not honoring the payment plan agreed to. I have been informed that this practice is unlawful.
Consumer complaint received 2018-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (WA)

I paid all but my last payment with a mortgage with " Mr Cooper '' aka Nationstar. My XX/XX/XXXX payment I sent in the amount in the statement including principal and interest in the amount of {$600.00}. They sent back this XX/XX/XXXX payment. If you go online they state they need {$25.00} in order to provide a payoff amount. They said several times they would reverse the late charges. I can't tell what the payoff amount is and what is required to pay this off. They said they would reverse late charges several times. It was not done. They said they need payment in certified funds. I asked if that is in the loan agreement as I'll meet the terms of that agreement. Several reps said they don't know. 

The payment is now a month overdue, I've tried multiple times to pay, they said it has to be in the exact amount and in certified fund. I don't think that is in the agreement. I want to pay but they will send back any payment other than in certified funds. 

I recently paid off a mortgage with another bank and it was easy. I just paid with a regular bill paying service.
Consumer complaint received 2024-06-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

I am a full-class loan forgiveness member of the XXXX XXXX XXXXXXXX class action lawsuit due to attending a school that was founded to engage in fraudulent activities. My Department of Education loans obtained while attending XXXXXXXX XXXX have been forgiven due to the aforementioned. In XX/XX/2024, I learned Navient has a School Misconduct application that can be submitted for relief of private loans if attended a school that engaged in fraudulent activities. The application has to be requested and Navient doesn't willingly provide information about the school misconduct application. I requested the application several times in XX/XX/2024 and never received it. I finally received the application after filing an initial CFPB complaint in XX/XX/2024. The school misconduct application was submitted to Navient on the same date of receipt ( XX/XX/2024 ). My private loans were placed on forbearance status within 24 hours of Navient receiving my application. Interest has accrued on my loans daily since being on forbearance. On XX/XX/2024 I received notification from Navient my school misconduct application was denied. I provided detailed information to Navient regarding how my school engaged in financial aid fraud, used deceitful recruit tactics, forced admission decision via giving a mandatory short reply window, and engaging in repeated episodes of lying regarding accreditation plans. In the denial letter, Navient failed to provide any specific reasons regarding what criteria was used to determine my private loans did not meet discharge requirements despite my documented attendance to a school that a federal government has ruled engaged in the fraudulent activities -- Information I listed on the school misconduct application provided by Navient. Please note based on consultation with others who have submitted the school misconduct application, Navient does not appear to be using any specific criteria to process the applications and is randomly approving or denying applications. Navient has failed to provide me with any specific criteria used regarding why my application for private loan discharge was denied. Assistance is needed in obtaining this information as the school attended clearly engaged in fraudulent practices that support discharge of any applicable loans consistent with federal court decisions that have already been rendered.
Consumer complaint received 2024-03-06
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. (NJ)

In XX/XX/XXXX, a letter was sent to the credit bureaus to correct the derogatory reporting for XX/XX/XXXX. All of the charges on my card were fraudulent and XXXX has refunded me the money & refunded the late payment fee. The credit bureaus are still marking me as late XXXX  days in XXXXXXXX XXXX XXXXXXXX, even after I was assured multiple times this would be fixed and I should not be marked late because of the Fraud. This incorrect reporting has prevented me from buying a house and a car. 

I have attached the credit report still showing XXXX  days late in XXXX XXXX XXXX. I have also attached a statement showing that the entire balance was refunded to be as fraudulent charges, the late fee refunded, but still no correction to the credit bureau reporting.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name:XXXX, XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX, XXXX Account name : XXXX XXXX, XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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.

15 U.S.C. 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 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 2022-12-20
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. (PA)

i sent a letter on XX/XX/2022 to experian/XXXX XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. 
according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Consumer complaint received 2022-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I obtained a Mortgage with Wells Fargo and during the financial crisis of XXXX fell behind on my payments. The property was sold at a foreclosure auction after failing to obtain a modification despite turning in thousands of pages of documents. The property was returned to me 5 days later. After nearly two years and finally obtaining a modification, all past due was added to the principal, and XXXX insurance was forced placed despite having homeowners insurance. Payments were made and on XX/XX/XXXX just 2 months after the modification the property was destroyed in a XXXX fire. I presented a claim, a proof of loss to my insurance company and assumed Wells Fargo would present a claim to it's insurer. ( forced placed ). My policy paid out but was XXXX XXXX dollars shy to rebuild. I held on to the proceeds waiting for the Wells Fargo policy to pay the Mortgage balance. Wells Fargo never presented proof of loss and decided to file a lawsuit against me to collect the monies I had received from my individual policy. I held those monies and used them to pay my mortgage. Wells Fargo breached the mortgage clause, racked up XXXX in insurance charges, the sued for the mortgage balance. Ultimately costing me nearly XXXX XXXX dollars. All of this is a result of those bungled modifications, forced insurance premiums, and failure to meet its obligations under the mortgage clause. Wells has misbehaved and harmed me and actually collected monies from its victims. The hazard insurance raised my payments, and the ultimate slap was losing the home to a covered event and Wells Fargo not FILING A PROOF OF LOSS.