davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WLCC (CA)

I became aware of this debt on XX/XX/XXXX upon receiving my paycheck and discovering a garnishment for 15 % of my wages, I received no notice or communication from XXXX XXXX XXXX about this matter. On XX/XX/XXXX, I contacted the phone number provided to me by my employers payroll processing company XXXX, the phone number is for a collection agency called APEX, when I told them I had no knowledge of this debt, they referred me back to XXXX XXXX, I contacted XXXX XXXX 5 times, XXXX XXXX referred me back to APEX and APEX said that they don't have my contract and that I need to get that from XXXX XXXX, I again contacted XXXX XXXX and requested a copy of the contract, I received an email this morning from their finance department from someone named XXXX, stating the contract was attached, the contract was not attached. I again contacted XXXX XXXX 's finance department and was told that they could not discuss the matter with me and I needed to contact Apex, upon contacting APEX, I'm punted back to XXXX XXXX. I have emailed XXXX XXXX customer service and asked them to revoke what ever permission they claim to have against my wages to no avail. I need this to cease immediately, I have no knowledge or information about this debt and XXXX XXXX and Apex are playing games.
Consumer complaint received 2022-05-15
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. (TN)

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-06-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (FL)

It has now been four months since we requested a release for the vacant lot adjacent to the single family home that Shellpoint Mortgage Servicing obtained when they took over the loan servicing agreement on from XXXX on in late XXXX. 

On XX/XX/XXXX, I requested a partial release of this vacant lot. On XX/XX/XXXX, all required documents were submitted to Shellpoint Mortgage Servicing. 

I have had a purchase agreement for this vacant lot since early XXXX, XXXX, and always expected that some or all of the proceeds from the sale of the vacant lot would be used to reduce the principal on the mortgage. The failure of Shellpoint to proceed in a timely manner has caused me significant financial harm and duress. I have had to negotiate an extension to the purchase agreement multiple times. As well, the purchase agreement has again expired and I am attempting to revive it. Shellpoint has failed to make a timely response to these purchase agreements. 

Permission to spend the money to get an appraisal of the vacant lot and the house came nearly three months after all of the documentation required by Shellpoint for the partial release were provided by me. The appraiser showed up on XX/XX/XXXX. 

Shellpoint now claims that I made 2 late payments past the 30 day due date This is a lie. One payment was recorded by Shellpoint as late when Shellpoint took over from XXXX and they were in transition. It was paid on time. One payment arrived on the day due, ( I have USPS records ) but was not processed on time. I always send my payments USPS with delivery confirmation. Shellpoint is using this falsehood to excuse their failure to do their job in a timely manner. 

Shellpoint does not respond to phone calls or emails. I am forwarded to customer service and then to various departments who do not know what is going on or do not exist. I receive letters but no responses to my replies. I have written twice to the Executives and CFO of both Shellpoint and parent company NewRez by certified mail and received no response. 

I have never encounters a company that is more willfully and intentionally dodging doing there job. Please HELP!
Consumer complaint received 2023-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NJ)

XX/XX/XXXX Consumer financial Protection Bureau This is regarding my mortgage with Selene Finance I logged into my account this morning and i see I have XXXX late fee due with my XX/XX/XXXX payment I called XXXX and they were unable to tell What this is XXXX 

I already payed a XXXX corporate fee with my XX/XX/XXXX payment ( explain to me for what and when was this corporate fee for?? I want proof that what you said Was done was actually done ) I already payed a XXXX NSF fee I was told my late fee that I received for making my XX/XX/XXXX payment was waived. 

They just keep on adding on fees with out an explanation and when you call them the CUSTOMER service rep says " they dont know '' XXXX please answer the following who is my investor?? 

And is my loan A government-backed loan?? 

Thank you
Consumer complaint received 2022-10-30
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (CA)

In XXXX of 2020, I admit I was late in making payments to the creditor XXXX XXXX for {$310.00}. XX/XX/XXXX, I received a payment document from NCA regarding the debt. On XXXX, I spoke with NCA and decided on paying the 50 % option of {$150.00} to settle the matter. Also during this call, the representative told me that this was not going to show on my reports but it has. I've tried many times to have this removed through XXXX and NCA XXXX XXXX, and XXXX but all they keep telling me that the debt is valid.
Consumer complaint received 2020-08-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (ID)

We paid off our lease, and our leasing company Toyota Financial Services failed to transfer the title for our vehicle to us. It has resulted in me and my husband getting stuck in a bureaucratic nightmare, compounded by the fact that we have now moved out of state. 

We were customers of Toyota Financial Services when we lived in XXXX   XXXX, we leased a XXXX XXXX Hylander. XXXX # : XXXX. We were good customers, and we satisfied all of our lease obligation / payments, and paid it off, then we opted to purchase our vehicle at the end of the lease. We have received this letter noting that the lien was satisfied by Toyota Financial Services but after calling multiple times they refused to take any further action to transfer the actual title to us. We never received a copy of the title sent to us when we made our final payment. 

Now, we've moved to XXXX and realized that we need a copy of our title to register our vehicle. The issue, is that Toyota Financial Services never transferred the title to us in XXXX state. The company failed to file a statement of lien satisfaction or notice of recorded Lien ( Form MV-901 ) with the state. We also need an application for Duplicate Certificate of Title ( MV-902 ) sent to the commission of motor vehicles. Please see the attached denial letter for a duplicate title from the XXXX Department of motor vehicles dated XX/XX/XXXX stating that the title was issued to our leasing company and that it was not properly transferred to us. 

I have spent over 5 hours on the phone with Toyota Financial Services and in turn with the XXXX Dept. of Motor vehicles, writing, calling, and emailing both of them to get this resolved. 

Simply put, we paid off our car, we own the car, period. I am so exasperated at how we have been treated as customers in what should be a routine process, I am at my wits end. 

Attached evidence : ( 1 ) Notarized satisfaction of lien release from Toyota Financial Services, ( 2 ) Denial letter from the Title Services Unit of the XXXX State Department of Motor Vehicles, ( 3 ) expenses we have incurred attempting to resolve the issue. 

Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ID XXXX XXXX
Consumer complaint received 2022-10-30
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (TX)

I believe that my identity is stolen. No one told me about any investigation I kinda assume there was something going on but when I saw my credit report, I have lived all my life at XXXX XXXX, and there is out of state from my credit. There is a lot of fraud on my credit report I even lost my job
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

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 XXXX # XXXX - Opened XX/XX/XXXX Account name : XXXX XXXX XXXXXXXX  # XXXX Opened XX/XX/XXXX Account name : USDOEXXXX  # XXXX - Opened XX/XX/XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX These accounts have 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 2022-09-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NY)

This is a complaint about SLS Specialized Loan Servicing Inc. 
Servicing my loan. 
The letter theyve sent said my XXXX XXXX due to 6 years later I can get up to XXXX dollars credited to my outstanding principal. They sent a letter saying I can recast my loan. 
Now they say I need to pay {$5000.00} to apply for this? I dont get it? 
The XXXX program was supposed to give me help thru the sevicer I want to file a complaint about Specialized Loan Inc. located in Colorado that Services my mortgage. 
Please read the attached document they sent me.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.
Consumer complaint received 2020-08-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUITY RESOURCES, INCORPORATED (NC)

Equity Resources XXXX put our mortgage in forbearance without any notification or our consent in XX/XX/XXXX. We were not aware they had done so until we attempted to refinance two of our homes in the second week of XXXX. We had been making monthly payments and when an ER representative reached out to us in XXXX, asking if we would like forbearance, we made it very clear that we did not. Not only did they indicate the loan was in forbearance, they reported it over 30 days late to the credit bureaus this month. We have since not been able to refinance our properties and we have been denied financing for other purchases. After calling Equity Resources again on XX/XX/XXXX, I was informed they were legally allowed to put our home in forbearance because its a XXXX XXXX loan. Then I was told it was put into forbearance, because we missed an XXXX payment which triggered the forbearance. I asked why the didnt call or inform us XXXX was missed because we would have paid it immediately ( which we did in XXXX as soon as we were made aware ) and they said it was already in forbearance at that point. When we asked to remove the forbearance in XXXX because we had never requested it, they reported late payments. On XX/XX/XXXX, they reported the loan 30-60 days late. Please see the attached XX/XX/XXXX statement indicating {$0.00} past due when the forbearance was reversed. Please also see the attached letter from ER dated XX/XX/XXXX. Its states either 1. We opted out of forbearance ( which, according to the CARES Act, means no late payments since XXXX should be reported late ) or 2. The loan is in current status with no missed payments ( which means no late payments should be reported ). They have acknowledged we did not ask for forbearance and assured me it would not cause a financial burden. The representative provided me with this information on XXXX and said the lender can call her at her personal extension so she could inform them that we didnt request a forbearance. XXXX XXXX XXXX XXXX XXXX ; XXXX Every potential lender has refused to call. Equity Resources has damaged my credit by reporting our mortgage in forbearance AND 30-60 days late, they have created a financial hardship and put our life on hold as we invest personal time struggling to fix their mess when we have been continuing to make payments and have been under the impression the account was in good standing.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want the balance to be reflected correctly ALWAYS. This issue has been disputed in TransUnion and XXXX  at least twice now. They find that XXXX is incorrect and then amend. Then a month or 2 later XXXX bumps the balance up several thousand dollars again. Each time causes a big hit to my credit score.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

In XXXX of 2023 I used a credit software to request a full investigation into items on my credit report because they were inaccurate. I sent my letters to all 3 credit bureaus and did not receive a response for over 2 months from XXXX and I did not receive a response from Experian or XXXX at all. When I did receive a response from XXXX, they stated they wanted to be sure it was me that was requesting the investigation basically a stall letter. I sent another letter requesting a full investigation into the discrepancies on my report and did not receive a response from XXXX or XXXX but one from Experian another 2 months later stating the same thing XXXX stated they wanted to be sure it was me. I responded with a third letter stating I have a right to use credit repair software and I am NOT a credit company. I, to this date have not received a response to any of my letters requesting an investigation nor have they removed the inaccurate information from my credit report. I am trying to move my family into a better living situation and this is impacting my apartment search because of the erroneous items on my credit report. I would like to have the items deleted from my credit reports from all three bureaus please. In addition, I contacted the XXXX XXXX XXXX office to request how they report the bankruptcy to the credit bureaus and they never responded. I am aware they do not report these circumstances to credit bureaus. This bankruptcy being reported on my credit report is also erroneous.
Consumer complaint received 2020-08-10
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: LEXISNEXIS (TN)

Lexis Nexis sent me a letter saying I need to log onto their website. The website does not work and it's consistent with the conspiracy of fraudulent reporting a bankruptcy that does not exist. I have reported this several times and they are still lying about the bankruptcy that they can not verify with the XXXX XXXX XXXX XXXX XXXX. If you guys can not provide proper oversight I will be force to sue the three bureaus and Lexis Nexis in court. This is not a tolerable action in which a citizen should be subjected to. 

The three credit bureaus are conspiring with LexisNexis due to the fact they are a paid subscriber and we are now understanding that there is a monetary gain for consumers to have bad credit. Their sponsors make more money and this process will be presented to a federal court.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these account. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX/XXXX  - XXXX
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX XXXX account is still being reported XXXX open with a balance on my account. i have tried to dispute this account numerous times and experian dispute specialist said my additional information attached was " insignificant ''. This incorrect information is continuing to be reported on my credit report after providing proof this account is closed and all activity has been terminated.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX/XXXX violated my 609 rights by reporting incorrect information to TransUnion regarding my credit file. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXXXXXX reported to the TransUnion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation on my consumer protection rights.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

Please take notice that this complaint will constitute a Pre Arbitration / Litigation Demand Notice There is an account reporting as a collection on my credit report from the debt collector named XXXX XXXX XXXX in the amount of {$2200.00} with interest accruing every month for a Rental Lease for an apartment Unit which was not on the Lease contract that was provided when I reached out to the debt collector and asked for them to Validate the debt. I have attached the Debt Collectors Debt Validation response. If you examine the Rental Agreement, you will notice that the Unit referred to in the agreement is unit # XXXX which the lease was paid in full however XXXX XXXX XXXX is stating that I owe them for Unit # XXXX which is false and misleading because I lived in unit # XXXX before I moved to my current address. This is evidence that inaccurate information is being reported. I have sent disputes to Experian disputing the accuracy of the account and it came back verified every time. This is evidence that Experian is violating the Fair Credit Reporting Act. In accordance with the Fair Credit Reporting Act I am requesting a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contracted in connection with the dispute. Furthermore, I am demanding prompt removal of this account from my credit report and compensation in the amount of {$2500.00} for damages caused by this inaccurate report being validated which caused for me to be denied for credit which harmed my livelihood. Failure to remove the derogatory account and compensate me for damages will force me to initiate arbitration.