davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX of XXXX I called Bank America customer line to let them know the past due and due amount were coming and to document. The person said " I can do one better how about 4 more months? '' I was tricked into a fake extension and even thouch I received no phone calls or letters, when I went to pay the agree upon time and amount, the bank would NOT take my payments and refused to take any additional payments. I was set up to default and set up to not be given a way out. Ultimately in XXXX they foreclosed and dismissed in XXXX ( florida ) then in XXXX my loan was sold ( even though it wasn't legal to sell given in was an in house loan not conventional mortgage, to rushmore. They filed foreclosure again despite statute of limitation expiring twice and won due to bad judge and bad defense.
Consumer complaint received 2019-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

In XX/XX/XXXX, we closed our current primary mortgage with XXXX XXXX ( XXXX ) in XXXX, Ohio. In XX/XX/XXXX, we were notified that our mortgage had been sold to Fifth Third Bank ( FTB ). We called XXXX and were given our FTB account number for interim use as well as told we would soon be receiving a welcome letter from FTB. In XXXX, We set up auto payments to the FTB account number we were given. These were made as arranged. Though we never received any welcome letter from FTB ( and we have requested it multiple times since ), in XXXX we received notice from FTB that our mortgage was in default and threatening foreclosure. After two full days of discussions with FTB, we determined that the FTB account number we were given was incorrect and with no initial documentation from FTB, we had no way of knowing this. Our payments were credited to someone elses FTB account, but those payments otherwise complied with all other requirements of our account in terms of amount and due date. FTB representatives ultimately transferred our past payments to our account but demanded almost {$900.00} in additional escrow payments. Apparently an escrow analysis was conducted before we received the first and only communication from FTB ( the default notice ) and this analysis assumed we had made no payments. Initially, we were told that if we paid one month of the escrow shortage, all would be even. We paid this amount separately only to again receive a notice of being in default. Upon contacting FTB, we were told the information about one monthly payment resolving the issue was wrong but it didnt matter. Either we pay up or we would lose our home ( this is almost a direct quote from their so-called customer service manager ). She helpfully added that SHE had the last word on this and that we better take this seriously unless we wanted to lose our home. Its worth noting the further incompetence apparent in our dealings with FTB. If each new department I called was to be believed, there was no record anywhere of any of my previous calls.
Consumer complaint received 2018-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (VA)

School loans were from XXXX back from XXXX until about XXXX. I have consolidated also in the past as well to make it one loan payment. However, due to circumstances over the years, loan was deferred at one point then when things were even worse with a bankruptcy, the loan was being paid by the bankruptcy. Then once again, it came time for me to take over payment, by that time ( XXXX ), I was now unemployed due to a workers compensation issue and made them ( Navient was XXXX XXXX ) was notified instantly with all my current financial information! I was now bringing in almost next to nothing to support not only myself but my family, needed XXXX as well. I requested any assistance available, whether it be temporary deferment or full on forbearance for the time necessary. NOT approved on any level which made no sense since I had no income!! I kept calling and explaining even to management about my situation and forwarding information stating I went from an income after bankruptcy to nothing and could not pay monthly. Therefore, Navient went and put me into collections stating I was NOT paying, which they wanted over {$200.00} a month when I did not even bring in that any longer. No one else in my family worked either. So after two years of fighting, someone there suggested checking with the federal student loan division, they finally requested taxes which showed income, they pushed through a deferment for a year. Now I am noticing that they are still adding on interest though, even though approved for no payment at all for a year. Also, noticed that over the two years they not only had sent me to collections and ruined my credit but also added on over {$14000.00} of late payment fees!? During bankruptcy being chapter XXXX ( XXXX ), they were not suppose to add any fees since they were getting paid by trustee until after done with bankruptcy? After, should have been deferment or forbearance due to my income because of not able to work? I now XXXX, need to relocate for a new work position but my credit is not up to par due to the fact that even though Navient shows ok now, the old collection issue that should not have been there to begin with ... is!! Also, creditors wonder by the jump and increase of the almost {$15000.00} when I did not go back to school!? Over {$100.00} increase even now during current deferment? This is just robbery and crazy! How can anyone survive with this kind of injustice occurring? Trying to teach fairness with loans for students to my daughter who now attends college and needs loans, this kind of business is just not right and should be illegal!! I see many cases and lawsuits now against Navient. Do I now need a local lawyer as well just to save my credit, get the help I need to move on with my life with a good job that I need to now because I need good credit to do so!?
Consumer complaint received 2024-01-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (MN)

I went to wells Fgo bank XX/XX/2008 to ask for a notification to my XXXX, Mn property. The rep at Fgo, XXXX XXXX said I had to be default in my mortgage payments 2 months before I would qualify for my modification. During that time I was XXXX from a XXXX and had to spend time in XXXX for my XXXX. The bank knew where I was and was not handed forecloses papers. My home was on the market with XXXX XXXX realtor close to being sold. I bought a home in XXXX, Mn borrowing from Wells Fargo XXXX XXXX in them knowing I would use my XXXX, Mn sale to transfer to my new home in Mn. I put over XXXX down payment to my XXXX property thinking it would be a good investment with my 401k after a XXXX XXXX that ended in a XXXX. Wells Fargo winterized my home on XXXX XXXX without my knowledge or notifying my realtor. I had a shared well with my neighbor XXXX XXXX. When winterizing the home the water was shut off to my home and my neighbors home. My neighbor had XXXX plumbing turn back on the water supply to my neighbor and which my house flooded. Wells Fargo knew I had a shared well and took no steps to secure the property winterizing it properly. My home was forced off the market and inhabitable. Wells Fargo would not let my insurance XXXX XXXX enter my home for 5 months to get a estimate that was a total loss. The story is lengthy and I have all the documents to prove that wells Fgo has forced my home to be in a wrongful forecloser and forced into a forced placed insurance that has cost me everything I own. Sincerely, XXXX XXXX
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

In XX/XX/XXXX I applied for a credit card at the age of XXXX and got approved without any supporting documentation or personal financial responsibility, credit card act of XXXX is in place to protect young people from companies issuing these accounts. The account is now charged off and they are pursuing litigation after not following regulations put in place for them to follow. I do not feel I am responsible for this account when at XXXX i am unable to enter a XXXX XXXX contract. 

XXXX XX/XX/XXXX
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2022-10-04
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: CLGF Holdco 1, LLC (KS)

Referencing letter sent to me by XXXX XXXX XXXX XXXX  clearly states they sold to a debt collector XXXX XXXX. According to the XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX all " Transferred or Sold Debt '' must be deleted. See page 10-1 of the Credit Reporting Resource Guidelines ( Attached ) Please see attached letter form XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-09
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. (FL)

i have disputed with all 3 credit bureaus ( XXXX, transunion and XXXX  ) and all 3 bureaus continue to report inaccurate information. i have sent them letters to verify these accounts and have asked them to either prove that they indeed belong to me by providing me with a binding agreement documentation that bears my signature or accounts that show i've been late for payments. i'm not here to play games as these negative items impact my credit score and i believe that they do not want to delete because they will lose monitory income if they delete the accounts.
Consumer complaint received 2019-12-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I WAS IN AN ACTIVE LOAN MODIFICATION WHEN THE MORTGAGE COMPANY FORECLOSED ON MY HOUSE AND SOLD IT IN A TRUSTEE SALE. THIS IS CALLED DUAL TRACKING AND IT'S ILLEGAL.

I RECEIVED A LETTER DATED XX/XX/2019 REQUESTING ADDITIONAL DOCUMENTATION FOR THE LOAN MODIFICATION. THE LETTER STATED THAT THE INFORMATION WAS TO BE RECEIVED BY XX/XX/2019.

THE HOUSE WAS FORECLOSED IN A TRUSTEE SALE ON XX/XX/XXXX-19. I AM ALSO IN RECEIPT OF A LETTER FROM THE MORTGAGE COMPANY DATED XX/XX/2019 WHERE THEY ADMITTED TO THE ACTIVE LOAN MODIFICATION AND IT STATES THEY WERE IN THE PROCESS OF RESCINDING THE SALE.

I HAVE RECEIVED NO FURTHER COMMUNICATION FROM THE MORTGAGE COMPANY.
Consumer complaint received 2019-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I first noticed that there were discrepancies and fraudulent activity on my credit report in XXXX of 2019. I have been reaching out to the companies involved with these issues. XXXX XXXX, XXXX, XXXX, XXXX XXXX  ( {$140.00} ), XXXX XXXX ( {$440.00} ), XXXX XXXX XXXX ( {$100.00} ), and XXXX XXXX {$450.00} ). I have been unsuccessful in resolving the issues with these unknown delinquent accounts and collections. In addition I have been consistently reaching out to XXXX, XXXX, and Transunion about my student loan reporting. I've been in good standing with my student loans and have noticed there are incorrect late payment reports that are causing grave damage to my credit history. None of the reporting agencies mentioned above have been taking the manner seriously hence why I'm reaching out to you all.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

IN ACCORDANCE WHITH THE FAIR CREDIT REPORTING ACOUNT # XXXX HAS VIOLATED MY RIGTHS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTIOM 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WHITOUT MY WRITTEN INSTRUCTION
Consumer complaint received 2023-04-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (GA)

the account was open XX/XX/XXXX the original amount {$13.00}, XXXX this account is supposed to be charged off on XX/XX/XXXX the lender was only to us me a creditor at the time causing my credit score drop. if you can please remove lender from my credit.
Consumer complaint received 2023-09-18
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION (IN)

XXXX XXXX a subsidiary of Credit Acceptance Corp sold me a lemon XX/XX/XXXX. The car started to smell of gasoline 3 days after purchase so I went back and tried to return or exchange the vehicle. At that point I was presented with numerous documents that wasnt presented to me at all during signing saying that I had bought the car as-is with no warranty. I went to the Indiana Attorney General who sent a letter saying that because I bought the car as-is I was stuck with it. They added on a mandatory service contract for an additional {$1400.00} to my purchase price. I reached out to the warranty company several times and never got an answer leading me to believe they were just as fraudulent as the dealer. So I went through a 3 year cycle of paying for numerous repairs on a XXXX old vehicle. This resulted in delayed payments. In XXXX of XXXX the transmission went out and I had to pay to replace it. I immediately reached out to Credit Acceptance and let them know what was going on. I asked for a deferment or payment plan numerous times only to be told to pay a minimum of {$20.00} to offset the collections calls. Which wasnt true because they would still call me a minimum of 3 times a day regardless. It took me over 3 months to pay off the repairs. When I got the car out of the shop I let them know and they came and repossessed it 3 days later. A few weeks ago I started receiving mail from bankruptcy lawyers telling me aCredit acceptance was suing me for over {$5000.00}, which I can not afford and would push me into bankruptcy. Ive been working on my credit since the repossession and dont feel that its fair that they were able to misrepresent the terms and conditions of the contract without having to face accountability. The amount of money that Ive paid in car notes and repairs exceeds the actual cash value of the vehicle and the deficiency is a result of them inflating the price with add-ons and a over zealous interest rate thats over the indianas usury cap. I feel that them suing me and 90 other Indiana citizens in the month of XXXX alone is a huge indication that they make more revenue off of setting us up to fail. If they successfully sue all of us thatll be {$610000.00} in their pocket. Meanwhile XXXX people that trusted them enough to do business are in financial ruin. I have all of my initial paperwork which blatantly shows their predatory practices. However Im afraid that the state of Indiana is going to side with Credit Acceptance Corp as though they did no wrong.
Consumer complaint received 2023-01-23
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$46.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXXBalance : {$1800.00} XXXX XXXXXXXX Balance : {$46.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXXBalance : {$1800.00} XXXX XXXXXXXX Balance : {$22.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$700.00} XXXX XXXXXXXX XXXXBalance : {$1800.00}
Consumer complaint received 2022-10-04
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. (TX)

I have been disputing the following accounts with Experian, XXXX and XXXX for almost 6 months now. 

Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX XXXX ( I asked them to verify that I was ever late on this account ) They failed to provide with this information as well as how did they come to the conclusion of ( account has been verified ) Source : Experian Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX I have contact XXXX  myself and ask them to validate this account to be mines via mail. The company responded that in fact the debt has been sold to a company by the name of XXXX XXXX. I have written letters that I sent out of this proof and the bureau is still reporting this unverified and incorrect information. 

How have you properly verfied this information and it has been sold to another company that isn't even being reported or has any information on me? 

Source : Experian Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX I asked them to verify the account that I was ever late. It came back verified. I ask for a reinvestigation and what supportive documents did they see to come to this conclusion. They responded by ( the account has been updated ) Source : Experian Date Submitted : XX/XX/2022 Estimated Resolution Date : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX SIMPLE I ask for a reinvestigation and to see supportive documents that proves this is my account and that I was ever late. ( They did not ) They responded with account updated Source : Experian Date Submitted : XX/XX/2022 Estimated Resolution Date : XX/XX/2022 Report Number : XXXX Court Name : US BKPT CT MI XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX Type of Record : Bankruptcy Reference Number : XXXX XXXX has deleted this invalid information from their system because it can not be properly verified. The bureaus ' verify Bankruptcy information through XXXX and this should have been deleted once XXXX proved that this item was unverifiable.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My dispute is with capital one I have caught up my payments and still has my account as 3 months ast due not only that they took 65 points off my credit score which was due to no fault of my own I just recently got a job I ho to college and had to finish my semester at home due to covid then had lost my other job that I. Had in summer due to covid Ive borrowed money from my parents to get me caught up I dont think its right they still have on my credit report as 3 months past due and took my points away from me
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I contacted TransUnion several times trying to dispute this account, only for Transunion to reply back to me, saying that the fraudulent account has been " verified '' and is mines. How could Transunion have verified this account, when the I in fact reached out to this company through this portal, and through their investigation of my claim, deem it Fraudulent.
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

on XX/XX/2022, i received an email from Bank of america saying that they received my credit card application, i call them immediately to report it was fraud, not from my. they said they will solve the problem. in the morning XX/XX/XXXX, i received another email from bank of america saying that my credit card application was approved with XXXXXXXX XXXX limitted. I called them right away and they said they will cancel/close the account. then i contacted XXXX XXXX and XXXX to dispute the credit card inquiries.
Consumer complaint received 2022-10-04
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: Experian Information Solutions Inc. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-06-09
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. (FL)

There is an account from XXXX XXXX that is listed that says I have multiple missed payments for AFTER I returned my lease to XXXX. I returned my lease in XXXX of 2018. Those missed payments are all for after my lease was returned to XXXX.