davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (TX)

In XXXX of XXXX, I opened an account with XXXX XXXX XXXX because I had moved into an apartment. In XXXX of XXXX, I moved back into my parent 's house and transferred the service to their house. A few days after moving back, a technician came in to install the WiFi box ( which was done poorly ) and no less than 5 days after that, my service was cut off. When I called XXXX XXXX XXXX, the claimed that I called and cancelled the service but how can I cancel a service that was just installed? Mind you, the WiFi box was mounted on the wall with a wire, meaning it was not easily accessible. XXXX XXXX XXXX proceeded to send me a charge of {$170.00} claiming that the equipment was not returned but they have a policy that states if the equipment is mounted a certain way then it does not need to be returned. I also called and asked them numerous times to remove that debt before it even reached collections and they still claim that I cancelled the service, yet I never received an email. This false debt drastically dropped the credit score that I have been working so hard to raise. Funny enough, I currently have XXXX XXXX XXXX TV, internet and wireless services but if this is not removed, I will cancel all services and go back to Spectrum.
Consumer complaint received 2018-04-10
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)

XXXX XXXX XXXX is still reporting me missing payments ... ..like last month ... .when car was returned to them in 2012 and I was told it would be resold and I would be notified of any shortfall I would owe. Account was closed in 2012. I later wrote to them requesting information on the sale of the car, to whom sold, and for how much as my attorney said they had to do that. Nothing back from them. My attorney suggested that they were leaving the debt on me and had pocketed any resell cash from a " friendly '' party. I would like them to cease and desist once and for all reporting against my credit as if this were an ongoing loan and I am missing payment! 

Help?
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have a loan from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/2020, XX/XX/2020, XX/XX/2020. There was an error on their part. I was never 30 days late on dates mentioned above.
Consumer complaint received 2019-08-26
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. (CA)

XXXX XXXX COUNTY DEPT AND FAMILY SUPPORT DIV XXXX HAVE PLACED LATE PAYMENTS IN XX/XX/2019 AND XX/XX/2019 ON MY CREDIT REPORT THAT ARE NOT ACCURATE AND ITS AFFECTING MY CREDIT
Consumer complaint received 2018-04-10
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: Rocket Mortgage, LLC (AZ)

On XX/XX/2018, my wife contacted quicken loans to get a preapproval for a home loan for us. She was told that in order to get that done, they will have to pull her credit. She is well aware that I dont want my credit pulled again. She gave her information and they pulled her credit and they pulled mine. She did not give the consent to pull mine. They even got my name wrong on the credit pull. They just use my first name with her last name assuming that we have the same last name. We tried to get it the pull removed but they say my wife should already know that pulling her credit means pulling mine too. They reviewed the conversation and true, they cant find the consent from my wife. They must have used the number from the old file to make the pull. Weve been in contact with the executive office and when she told us that, we requested that she put it in writing but she refused to do so.
Consumer complaint received 2019-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

I have/had all my student loans through Sallie Mae then later on became NAVIENT. I called and told the lender ( NAVENT ) that I was unemployed. I asked them several times to put my loans in deferment/Forbearance but NAVIENT chose not to do it. NAVIENT claims they sent me information which I did NOT received none. NAVIENT defaulted my loans and sold them so they could get pay. I have tried to solve this problem directly with NAVIENT, the department of education Ombudsman Group without success. Despite the fact the Ombudsman Group claims to be an advocate and they help the borrower find a resolution, the Ombudsman Group took sides with NAVIENT and requested to speak with a supervisor since nothing was being done. I was assured my loans will be put on deferment and/or Forbearance since I was XXXX. Later on I found out my student loans were NEVER put of deferment/Forbearance but defaulted instead. My credit has been damaged and impacted severely, I can not even get candy on a loan. I need help resolving NAVIENT 'S negligence and failure to put my loans on deferment and/or forbearance status. I can not even consolidate the loans because they were defaulted and my credit score has been ruined. Please HELP
Consumer complaint received 2019-08-26
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. (TN)

Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report XXXX XXXX, USDOE/XXXX DPT ED/XXXX, XXXX XXXX XXXX. US DEP ED. There are also inquires that not mineXXXX XXXX XXXX XXXX XXXX/XXXX   XXXXF XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX DEPT OF ED.
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

XXXX had my address recorded incorrectly. They had it recorded in XXXX XXXX and that address was not associated with me after XX/XX/2017.

I never got my statements. I didnt know I owed XXXX   money.

Also, I hAve attached documentation that I was attending school in XXXX.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the US DEPT ED/XXXX partial account numbers XXXX and XXXX. ( Please see page attached from my credit report. ) First, all of this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DC)

I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX  XXXX  ' MY NAME AND PREVIOUS ADDRESSES HAVE ERRORS, WRONG PREVIOUS ADDRESSES NOT FACTUAL
Consumer complaint received 2021-04-02
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

We were recently in the COVID loan forbearance and worked with our service provider to do so. This ended in XXXX of XXXX and our first payment back on track was on XXXX of XXXX. I have now made 3 continuous payments and am having trouble making the 4th. When inquiring deeper I find that there are additional charges on my account and the servicer is asking me to make an additional payment of {$390.00} for recording fees surrounding a loan modification that never took place. The outstanding balance was simply supposed to be put on the back end of the loan. When I call to get answers I am given the run-around and am not allowed to speak with a supervisor. I am afraid this will be extended and put myself and my family in danger of falling behind on payments and having further issues. I have been sent numerous notices about having my home foreclosed on but am not able to get any answers when I call in.
Consumer complaint received 2018-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I have sent several certified letters to XXXX XXXX XXXX about this matter. This debt is not mine. I have never opened an account with XXXX/XXXX XXXX. This debt is reported on my credit report, but is another individual 's with I am assuming the same name as mine. The debt is listed under XXXX XXXX, but I my legal name is XXXX XXXX. I have never used XXXX as a name to open an account as it is not my legal first name. I have tried since XX/XX/2018 to resolve this matter and to this day XXXX XXXX has not provided any signed contract to validate this debt is mine. This is damaging my credit report.
Consumer complaint received 2023-04-07
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 had reached XXXX XXXX, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and XXXX and nothing has been resolved.
Consumer complaint received 2019-08-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (TX)

Reference : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Mortgage ISSUE Applying for a mortgage or refinancing an existing mortgage *********************************************************************** You closed the case without completing a through investigation making me and others waste our time. This is not a fair procedure and could be for the same reasons that the company discriminated against me : I am XXXX.

This email sent to me by the realtor may explain why : XXXX XXXX   <XXXX> To : XXXX XXXX XX/XX/XXXX at XXXX XXXX Its not a matter of agreeing or disagreeing you signed a contract and you are in breach of that contract. Trust me I know that it doesnt Seem fair to you and I agree with that. The XXXX you were using should have ask you for your proof of income from the start before Issuing you a preapproval letter. He should not have waited as long as he did and I mostly blame him for that. If your income was going to be an issue he shouldve addressed that with you from the beginning.

I cant force you to sign anything but eventually I do believe that they will get an attorney involved and its going to cost you more money If they do And I do not want to see that happen to you.

Show original message -- XXXX XXXX Realtor | XXXX XXXX XXXX XXXX Your agency does not investigate the cases as they should.

I must informed you that Vanderbilt reimbursed me the money they asked for appraisal, but, even though that I authorized Vanderbilt to provide all information to the realtor it seemed that Vanderbilt was not diligent in notifying the parties.
Consumer complaint received 2024-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MD)

I enrolled in XXXX University in XX/XX/XXXX. The Fin Aid Office told me that I had to apply for a reaffirmation that the overage of {$720.00} owed to Nelnet must be paid or added to the new student loans that I was approved for. Once I applied for the reaffirmation then Nelnet would send a confirmation letter to me approving the reaffirmation request so that the overage could be applied to the new loans. This is the only way that the new student loans can be released to my student accounts and I can start school. Nelnet has been slow to respond and not respond at all. They are continuously telling me that they are processing my request and to wait for the confirmation letter when I call the service center, however they are doing nothing to help with this issue. I keep getting lies and the run-a-round from the clerks that answer the phone. They even sent back a request form to me and told me that the dates were old. I guess so, they have been sitting on it for over six months. Finally I had to keep resending the form to them because I can not get into my online account. There are too many problems with Nelnet. I spoke with a Supervisor at Nelnet customer Service on XX/XX/XXXX who told me that I would receive the confirmation letter for the reaffirmation request today XX/XX/XXXX. However I have not received it. I called to see why and as usual the customer service rep did not know what was happening and he claimed he saw no notes in my account. Please get to the bottom of this issue for me I would like to start the XX/XX/XXXX term at XXXX. The people at Nelnet are not doing their jobs I also informed them that I would let my congress person XXXX XXXX know about this mess. Please help,
Consumer complaint received 2022-04-11
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (WA)

I receive numerous calls from ( XXXX ) XXXX with a recorded announcement about student loan debts. I believe it may be from a company called Navient. I do not have a student loan, but I was a personal reference for my sister in law about 20 years ago. 

In the past I got calls from an actual person and I asked multiple times to be put on their no-call list, but I still get daily calls. 

I've called the number and reached a person, but when I tell them that I don't have a debt in the system and want to ask questions about why I'm getting these calls, they hang up on me.
Consumer complaint received 2019-08-26
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. (GA)

I have several items on my credit report that o.re not mine. I noticed it because I recently applied for o. credit card and I wasn't approved so it prompted me to check my credit report these items listed are not mine and need to be deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX There are also several inquiries as well that need to be deleted. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-05-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OR)

On XX/XX/XXXX A written report of identity theft that included victim affidavit, police report, and appropriate identity was submitted to PayPal via XXXX XXXX Mail. This report provided detail of XXXX transactions by PayPal that occurred between XX/XX/XXXX and XX/XX/XXXX resulting a loss of funds from the victim 's banking demand deposit account. The transactions were committed through the use of identity theft/impersonation The written report of identity theft requested that PayPal reimburse/reverse the identified transactions. This request was not responded to. This request was subsequent to the bank requesting reversals of the transactions and the victim having multiple email interactions with PayPal attempting to report these fraudulent transactions and being refused.

PayPal in not honoring reports of identity theft/impersonation has created an environment where criminals thrive and PayPal makes money off the crimes committed by them. When it fails to assist victims it is re-victimizing them compounding the loss of funds.
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (TX)

I received my statement from Comenity Bank for my Total Rewards Visa. The statement date was XX/XX/scrub>XXXX  with a due date of XXXXXX/XX/year>. The total balance was {$10000.00}. I paid this amount in XXXX and it was credited on XX/XX/year>. On XX/XX/year> I received the XXXX statement - expecting a {$0.00} balance as I also froze the card and no longer using it. Instead, I received a statement reflecting that I now owe a further {$100.00}. I called as this was an error, but was advised that no error as they have no grace periods and they never have. I asked for a Supervisor, but he only confirmed that I owe. I asked if I paid the new balance would I continue to receive smaller and smaller statements as interest continues to accrue - even when paying in full. He advised YES and that I could just overpay to avoid this. I researched on your website and called my other cards, but their practice seems illegal. There is supposed to be a grace period if paying balance in full before due date. Community told me NO. I feel they are breaking the law here. Please help as I must continue to pay to preserve my credit and payment history.
Consumer complaint received 2020-11-30
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. (MI)

I am writing to delete the following inaccurate, contradictory 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 these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
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 as it is hindering my abilities as I'm trying to advance in my life by getting a house and car to provide for my son and I.
Consumer complaint received 2021-12-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MECHANICS BANK (IL)

As executor of my brother 's estate I sold a piece of property securing a mortgage from Mechanics Bank. My late brother and a woman not his wife were co-borrowers on the mortgage ; her interest in the property was extinguished by court action in XX/XX/XXXX. ( Documentary proof attached. ) At closing of the sale, the bank insisted 1 ) that I was responsible for $ 14,000-plus in their attorney 's fees, saying that though they had been discharged in the woman 's bankruptcy they were not discharged against me ; and 2 ) that I was responsible for {$11000.00} worth of interest that had accrued as a result of her request for forbearance in XXXX of XXXX, even though I was never made aware of or asked to consent to that request. ( Documentary proof attached. ) The bank 's lawyer argues I was not entitled to such notice because I was not recognized as executor by the state of California. However, I had notified the bank in XX/XX/XXXX of my brother 's death and my appointment as executor by the state of Washington, so it was aware there was someone responsible for the estate ( documentary proof attached ) ; moreover, if the bank 's posture was that there was no one who could act for the estate, it should not have granted forbearance on a loan with which the estate was concerned.
Consumer complaint received 2021-04-02
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. (HI)

I have disputed MULTIPLE times with Experian a collection that was paid, yet they have not once responded out to me to let me know anything! I have had no correspondences with Experian, no confirmation of even receiving my disputes. The first time I disputed was XX/XX/XXXX ; then again on XX/XX/XXXX, XX/XX/XXXX and as recently as XX/XX/XXXX. Yet here I am, a year later, with NO communications from Experian! This is not acceptable in any way.
Consumer complaint received 2019-08-23
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC (TX)

They called my mother looking for me. When she told them they had the wrong number the Collector told them they were calling in regards to a debt owed. My mother is not a cosigner and I am over the age of 18 and was when the debt they are referring to was incurred making this a privacy violation of the Fair Debt Collection Practices Act which clearly states a debt collector can call your boss, your friends and your family looking for you but the debt collector cant tell them that theyre calling to collect debts. I was told by a supervisor that they would speak to the person my mother spoke to and educate them but we both know places like this sweep this kind of stuff under the rug and rarely expect people to actually take the time to file a report.