davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IN)

On XX/XX/XXXX I viewed my credit report from Experian. Having recently gone through a foreclosure im considering bankruptcy to relieve me from the judgement granted against me in favor of the mortgage lender. The mortgage was executed in XX/XX/XXXX but no payments are reported until XX/XX/XXXX. The mortgage lender refuses to offer any explanation or any comments at all. The attorney for the lender and who filed the foreclosure does not acknowledge my questions either. I'd like to get a truthful answer because it's hurt my credit long before the foreclosure happened. Four years of on time payments not being scored and recorded has handicapped my ability to use or grow my credit and forced me to lose options while I was completely unaware. The date the mortgage began to appear on my report is coincidentally the same as my husband at the time stopped paying the lender and informed them he was walking away from the house. At this time the lender pursued me for obligations to keep foreclosure prevented. Being divorced in XXXX I didn't expect to be held responsible for the house my ex husband kept and agreed to finance in a new loan. I have serious doubts that things are as im told to believe but to date I can't get any clear answers.
Consumer complaint received 2020-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX VA XXXX, Said above company, took over my mortgage loan in XX/XX/XXXX. They have been receiving mortgage payments along with escrow funds. 
XX/XX/XXXX I received notice that my mortgage servicer ( XXXX XXXX ) had not paid my property tax due in XX/XX/XXXX after receiving delinquent notice from XXXX XXXX County. 
I contacted the county XXXX, and they confirmed no payment has been made. 
I in turn contact XXXX XXXX, where after they verified my funds were in my acct, I then escalated the call to a supervisor there,, she assured me this would be rectified and paid in a few days ( Did not happen ). 
I have contacted my mortgage servicer several times, again as recent as XX/XX/XXXX because my account is still DELINQUENT!! 
I have since received another notice with threat to put my home up for auction in a few months! I continue to call XXXX and continue to receive no resolution when Im paying my mortgage ON TIME, escrow money is on my account but my taxes are yet to be paid. 
At this point there is an additional {$100.00} penalty that has also been added to my account that must also be paid. This is frustrating and putting me in jeopardy of losing my home! I need immediate assistance.
Consumer complaint received 2020-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NY)

My mortgage was sold by XXXX XXXX to another bank. They failed to notify me in writing, rather my account with them was just closed and I found out when I tried to make my monthly payme. I was able to find the new servicer : Fay Servicing, but can not get any information who now owns my loan. Since Fay has taken on servicing my loan, they have onboarded it with annacuracies that are causing a higher monthly payment, and are providing no details and ignoring requests for information. 

- My monthly payment is XXXX XXXX/mo higher. They have no details on why. Each time I call they say they will get back to me. They never get back to me. 
- They say there is a 2nd lien, but they won't say by who or what for. 
- They refuse to provide details on escrow funds for taxes or insurance. 
- They refuse to provide details on the bank who now owns the loan.
Consumer complaint received 2022-09-29
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. (NC)

n accordance with the Fair Credit Reporting act credit XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX Account # 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 2020-03-01
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We paid 20 % down on our home purchase but still ended up upside down on our mortgage in XXXX   We missed two payments ( the only deliquencies we ever had ). Bank of America then moved us into the HAMP program. The told us NOT to make any more regular payments including telling us NOT to pay the two deliquent months. The did not reduce the principle but did reduce the interest rate significantly. We were given a new monthly payment amount, to be mailed by check to a special address during the three month 'trial period '. After three ontime payments, the modification became permanent. However, during that trial period they reported us as 90 days deliquent for those two months prior to the trial period, even though they told us not to pay those months, as it had already been factored into the new program. They are refusing to strike these 3 90 day deliquencies off our credit record even though we believe it should be recorded as paid as agreed. Attached are the two credit reports showing that incorrect reporting. It does not seem right that people participating in the HAMP program should be penalized for participating in the program.
Consumer complaint received 2019-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My mortgage was owned and serviced by XXXX. My loan was sold to Select Portfolio Servicing, Inc. ( SPS ). 

Previously my loan had been on automatic payment for 12 years with XXXX. Upon the transfer SPS I was required to arrange for new automatic payment. I did so, but SPS took an unreasonably long time to process my request ( 45 days ). During that unreasonable delay my payment became due and was not made despite my ACH application. 

This caused my account to be in default which ceased further ACH payment and caused fees to be applied to my account and potentially derogatory information on my credit report. 

I logged in to the SPS website and there was no option to actually pay the full amount due to bring the account current. The only way to do that is call SPS and manually request full payment in time to allow the original ACH scheduling process to go through. 

Put another way, I applied for ACH payments on XX/XX/XXXX. As of XX/XX/XXXX no ACH had been taken and I was in an endless trap to never have ACH payments made and never bring my account current.
Consumer complaint received 2022-10-03
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. (TX)

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 XXXXXXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, 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 2019-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (WI)

I was in the process of making a partial payment to another party for a hotel/timeshare reservation. Upon the funds being pending/withdrawn I found out I was part of a SCAM. I contacted my back to see what could be done. Funds were sent via XXXX and they had informed me that my dispute wouldn't fall under any of there 4 categories. The only thing I could do is a small claims. My dispute is for {$250.00} that was withdrawn from my account on XX/XX/XXXX and now it's just gone. I guess hard lesson learned but sad that the bank couldn't do anything to help or look into it! Thanks.
Consumer complaint received 2020-03-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IN)

In 2010 I had taken out a private loan from Sallie Mae for a cheap vehicle to possibly continue my education at XXXX XXXX University in XXXX WV. I was currently taking online courses in XXXX  XXXX. After Sallie Mae closed it's doors I was transferred to Navient/XXXX. I fell into default after years of struggling to repay. I had my tax refund of over {$3000.00} offset a few years ago which has effected me tremendously to this day. So now and for years previous, my credit score is the worst, I wasn't able to get any type of help through Navient aside from refinancing through XXXX, I actively have XXXX   XXXX  XXXX  and my grants are exhausted preventing any chance of going back to school. Trying to get back on track but it's been next to impossible for the past 9 years '. Non accredited school that is now closed..and a loan servicer who set me up for failure before they were shut down. Not sure if this is even the correct place to go to for help, but I need it.
Consumer complaint received 2020-03-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

Hi, If i am writing today, is to bring to your attention something that happened between myself and XXXX dealership of XXXX XXXX FL. 

On XX/XX/2019, date of my end of lease experience, i headed out to the XXXX dealership of XXXX XXXX to return my vehicle and try to negotiate to buy or lease another vehicle. 
As soon as i walked in with my wife, we have been introduced to the salesman and the sales manager of this dealership. We then started to negotiate the return of our leased vehicle and asked the team there to please help us getting an interesting deal on another vehicle and explaining our difficult credit situation of my wife and myself. 
The leased car we were returning had a that time about {$2800.00} dollar amount of excess millage on the lease terms, and we were assured by the sales manager that by purchasing a new XXXX that day at the dealership that we will be able to negotiate that bill with the financial department of the company later on. Also, when you return a lease, you must pay a excess wear and use of the car but can be waived that fee again by purchasing a new vehicle. 
After a couple of hours of negotiation and a lot of persuasion from the sales team who promised us a lot of benefits, we ended up returning the lease and purchasing a brand new XXXX vehicle. 
Due to our bad credit history, we got a the new car financed with an APR of 8.39 %. 

A couple days following our purchase, me and my wife got very surprised about 2 things. 

First of all, as we both checked our credit on XXXX XXXX, we realized that the dealership submitted a lot of credit check to our accounts, not even telling us that will happen. This really affected both our credit history and score. Knowing our credit situation at the dealership, i really do believe that we got kind of scammed that time. 

Second, after receiving the end of lease bill by mail, i have contacted the financial department like i was instructed by the sales manager at the dealership in order to discuss it, knowing that he promised me since i have bought a new XXXX vehicle. 
over the phone with the financial consultant, i was very surprised to hear that nothing was possible, no negotiation on the total amount and no waiver for the excess wear as well, since that apparently we did not get the new car financed with the in-house XXXX financing agency. thing that nor the salesman, or the sales manager told us upon signing the new car purchasing contract. 

i really need your help in that matter, i really believe we got scammed by the XXXX team, pursuing us to buy a brand new XXXX vehicle in order to get all the benefits that we will never get at the end.
Consumer complaint received 2020-03-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AR)

PLEASE UPDATE ALL CREDIT BUREAUS FOR AUTO LOAN WITH XXXX, REVERSE ALL LATE FEES AND UPDATE ALL BUREAUS TO REFLECT PAYING AS AGREED NEVER LATE NEW BALANCE XXXX {$18000.00}.
Consumer complaint received 2020-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

My carecredit account was closed a few months ago without my knowledge. The card was paid off and i had never missed any payments. When I called synchrony bank they would not give me a reason as to why it was closed. I'm tryomg to build my credit score and by closing my account for no reason it is loeeri g my score by almost 100 points
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MN)

I recently had been advised I needed to lift a credit freeze with Experian. I do not deal with that much ( do not have a full membership ), but when I tried to access their system, I was frozen out ... all attempts to confirm my user name or password were rejected even after I provided long-known and established with Experian personal information, including SSN, DOB, address, etc. When I tried to reach  their customer service, after AGAIN providing this information ( unchanged in over 20 years ), no matter what number I called, I only got into a loop of automated response choice. NO WAY to talk to a human. 

I even had a concern as one attempt to verify my user name came up with an incorrect phone number ... one I have never had. And EVERY attempt to have them preliminarily identify me using SSN and zip code and address resulted in " sorry, not enough information. When I then followed their advice to enter a previous credit report number, when I did so using 2 different ones, again, I got " nothing found ''.
Consumer complaint received 2020-03-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (TN)

The original debt was disputed with the XXXX. Three phones were returned and only one had a contract amount remaining. XXXX changed the terms of my monthly contract and did put the discount date on my bill until the last month of that contract. Their customer relationships person XXXX XXXX Took responsibility for that error on XXXX  part. This amount should not be XXXX and XXXX needs to provide documentation that they did not provide proper notice of the monthly discount termination or provide proper council during service start time. This debt is not due. XXXX is responsible for the balance. XXXX then continued to bill after the XXXX settlement was made.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Account name XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit report Act, Public Law 91-506, Title VI Section 611, please provide the names and business addresses of each individual with whom you have verified the above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2022 I and my husband XXXX XXXX went to the Wells Fargo Bank ( WF ) at XXXX XXXX XXXXXXXX XXXX in XXXX XXXX, NC XXXX to withdraw {$100000.00} from our Savings account which currently had {$230000.00}. 
I was told I would be charged {$10.00} for a check in this amount. I told the teller, XXXX, I should not have to pay to get my own money from my own account and was told that was Wells Fargo policy and I could complain to the CEO. I said I would. I told her instead of a check that would cost me {$10.00} I would take my {$100000.00} in cash. I was then told I couldn't do that as they did not have {$100000.00} to give me. Not good! 
So I wrote a check for {$10.00} out of my checking account ( a different bank ) in order to get my own money ( via WF cashier check serial # XXXX account # XXXX, transaction # XXXX XXXX at XXXX pm for the fee and transaction # XXXX XXXX at XXXX to get my {$100000.00} ). My purpose for withdrawing these funds was to set up a savings account at a different bank which would pay me far more interest than WF does. 
I don't think this is right as Wells Fargo denied me access to my money unless I paid them to get it. 
I believe I deserve at least my {$10.00} back from them and this practice should be stopped! It is just XXXX more of the awful things Wells Fargo has been doing to consumers. I will, as soon as I get some of my drafts set up in a different bank, get ALL of my funds out of Wells Fargo and will probably have to give them another {$10.00} to do that if your organization doesn't stop it.
Consumer complaint received 2020-03-01
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. (NY)

XXXX, Experian, and XXXX XXXX are reporting inaccurate information on my charge offs. I disputed with the Credit Bureau however they're still reporting inaccurate information. They are in violation for reporting inaccurate tradelines.
Consumer complaint received 2020-03-01
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. (NY)

XXXX, XXXX, and Trans Union are reporting inaccurate information on my charge offs. I disputed with the Credit Bureau however they're still reporting inaccurate information. They are in violation for reporting inaccurate tradelines.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX. 
Account name XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit report Act, Public Law 91-506, Title VI Section 611, please provide the names and business addresses of each individual with whom you have verified the above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

Please UPDATE the following accounts from my consumer file as I don't have any late payments, though it's showing 3 late payments in 2016. So unless you can furnish a detailed ledger of late payments with proof that it was late for this closed account, updateto paid on time. If this account can't be verified with original signature it must be deleted. 

WELLS FARGO XXXX
Consumer complaint received 2020-03-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

XX/XX/XXXX and XX/XX/XXXX I reached out to LVNV Funding LLC regarding the {$850.00} they say I owe they agreed to send me a full print out adding up to the amount listed. The statement they sent me was inaccurate. I reached out to them again spoke with a supervisor and disputed it over the phone with her and still no results but they continue to send the collection letters. this is really affecting my credit and life I cant get approved for anything with this hanging over my head.
Consumer complaint received 2022-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NV)

Six weeks ago my savings, checking ad credit building accounts were frozen by chime and they requested receipts for some transactions. I provided them and it took them two weeks to tell me they were the wrong ones. I then sent in the right ones and have emailed and called everyday since for the last month and I can not get a response from anyone and when I call I get the same runaround answer everytime. They have XXXX of My money and I need it
Consumer complaint received 2020-03-01
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. (NY)

THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE.