davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-13
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: CORELOGIC INC (TX)

CoreLogic was requested to investigate on an account that does not belong to me. 

This account also had missing information reporting using terms like N/A, details left blank, - and still CoreLogic choose to send me a response saying that it has completed its investigation. 

Pursuant to FCRA, no reporting agency can report information that can not be verified. Why is this account in my name when it is not mine and can not be verified? 

I am days away from filing a lawsuit against CoreLogic and XXXX for wrongful reporting and willful non-compliance of the FCRA laws. 

This account is so inaccurate that on its CoreLogic XXXX report has the last date reported as XX/XX/XXXX,  while the original CoreLogic has the last date reported as XX/XX/XXXX. 

Both reporting the same account listed as XXXX XXXX. But reporting this account while it can not be verified with missing data. 

After this complaint is closed, if this account is not removed from both reports ( CoreLogic and CoreLogic XXXX ) I will file a suit.
Consumer complaint received 2019-10-16
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. (FL)

Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-16
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC (CO)

Loancare took over my mortgage in XXXX. They misappropriated funds from the past mortgage company and said I was in default. I called them 7 times over a 2 month period to get this corrected. They finally fixed my account but still filed a report and said I was in default. They also charged me late fees and never credited my account for those fees.
Consumer complaint received 2019-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

The payment for this loan is {$78.00}, in XXXX of 2015, I elected to pay more on the loan in a payment of {$86.00} ( {$8.00} extra ). Now, when navient sends my paper bill, the paper bill specifically says the payment due is {$86.00}. This is misleading, the payment is {$78.00}. navient 's website, when logged in, also has confusing information about choosing how overpayments are processed. The terminology, " allocation direction '', not used by other traditional lending institutions, is ambiguous. And, if one tries to edit/change the " direction '', the explanations are also ambiguous. No other financial institution uses this terminology or offers 7 choices ( 3 of which are in favor of the financial institution ) for options of applying an overpayment. It's obvious that navient purports to offer many choices while in fact selecting some of those choices will in fact benefit them. Traditionally, and with any other lender, an overpayment is either A : applied to the principal or B : applied to the interest ; period. For example on the XXXX, website, one can choose how much to pay ( which is displayed ) and to which loans XXXX which is displayed ) ; it's not ambiguous.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

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 Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2019-10-16
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. (TX)

I HAVE FILED WITH FTC, i HAVE WRIITEN ALL THREE CREDIT BUREAUS I HAVE PLEADED WITH LENDER, THIS IS PREVENTING ME FROM BUYING A HOME..
Consumer complaint received 2019-10-16
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: CITIBANK, N.A. (TX)

I HAVE FILED WITH FTC, I HAVE WRITTEN THE XXXX   SEVERAL TIMES, I HAVE REACHED OUT TO MACY 'S AT LEAST 6 TIMES ... ..
Consumer complaint received 2019-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NY)

Discover asked me for my information to do some verification. After giving me another hard credit pull, they just closed my accounts without reason. It hurts my credit score and history badly. I had only <5 % utilization with them. Always paid in full and on time. Called them and asked if I could provide additional information such as pay stubs, the agent told me they couldn't accept anything, and that's their decision.
Consumer complaint received 2018-07-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (WA)

In XX/XX/2017 I became a payment behind it is due the XXXX of each month and I paid it on the first of the following month which made in the area of 15- 16 days late. They have been charging me a late fee of XXXX each month i have done this. I had no problem paying the late fee but around XX/XX/XXXX i found that they were not applying the late fees payments towards the late fees but to my principle balance. So my late fees started piling up. When i realized what they had done i sent them an email asking them to apply those payments to my late charges and not my principle balance. This was never done. That however is not what my complaint is about I received a call from them regarding the continued late payments and they offered me a deferment of the outstanding balance. We all agreed and two payments were deferred to the end of the loan. Now the next installment is due and the late fees are on there. I was told the balance including late fees would be deferred, so when i got my statement it had a XXXX late added to it along with the XXXX dollars in late fees i stilled owed. When i called them to point this out I first got the same story from the first rep i talked to then she put me on hold to review my account and a second rep picked up the phone and stated that late fees do not get deferred and that the XXXX   dollars i paid was for a deferment fee.

I understood that what the XXXX dollars was for and that i was instructed by there rep when I initially did this that they would be, I also told the rep that I did not have a problem paying the late fees of XXXX dollars still owed. my Problem was that they were charging me another XXXX dollar late fee for the late fees not being paid. So they were they charging me a late fee on a late fee. One not to sure if that is legal they say it is in the contract, however i do not believe you can contract away the rules or law, which i told i felt that the contract was in error and i just missed that clause if there, but i am paying for misleading information on there part and no where does it state that i need to clear the late charges, not even in the letter of verification they sent. I went ahead and payed the late fee with the new payment. But feel that this practice is not legal and defiantly not very moral all I wanted was the XXXX dollar late fee waived not to much to ask for their error I think. So know I turn to you to check out fi they can indeed charge a person a late fee on an outstanding late fee amount. Enclosed is a copy of the different letter as well as the last two months statements, of which may does not show a late fee being accesses and XX/XX/XXXX with the assessment of a late fee, very confusing.
Consumer complaint received 2016-01-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

Carrington Mortgage has been informed that a solid contract was in place, however they have continued pressing for foreclosure and will not stop the foreclosure. We have been more than forthcoming with the fact that this is ready to close but they tell us that we have to talk to the foreclosure attorney, the foreclosure atty says that only Carrington can issue the order to stop the foreclosure. We spoke to XXXX XXXX and she spoke with someone in home retention and they are passing it back off on the XXXX and XXXX the foreclosure attorney. Even with Autnorization
Consumer complaint received 2018-04-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Creditors Specialty Service Inc (CA)

years ago they took all the money out of our account they after us with very harsh phone calls and we paired {$200.00} a month we agreed on an amount, after a few payments and I ask for their information proof of payments on their part they stop charging us. trough a judge order they took all the money we had in our account. We believed this problem was fixed. We bought a house and ask my lender to find this in my credit report and we did not find nothing. 
now after a few years ( 5 ) they are coming after us with a bill bigger than before. 
this bring a lot of stress into my family we need help. 
name of company .-Creditor specialty service inc XXXX XXXX XXXX XXXX XXXX ca . XXXX
Consumer complaint received 2022-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CT)

I purchased online items from XXXX on XX/XX/2022. I requested a cancellation on XX/XX/2022 via chat and was informed they would try to cancel but that it may be too late as the items were already in process - the items had not yet been shipped by XXXX. I received notifications that items were shipped on XX/XX/2022. I was out of the country and items were never received. Discover card did not accept my dispute even though I have the documentation the order was cancelled prior to the company shipping the items. I received notification on XX/XX/2022 that discover Card would be placing the charge back on my card and I would be responsible for the interest.
Consumer complaint received 2022-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

I paid Navient the monthly payment of {$51.00}. I called them and made the payment on XX/XX/22. When I called, I spoke with a rep, and asked them if I could change the payment date to the SEVENTEENTH ( 17TH ) of each month, as the original payment date of the 2nd, kept falling on or near the weekends. The rep asked me what date I would like to switch the payment date to, and I said, I would like the payment date changed to the 17th of each month. 

The rep and I confirmed that the new payment date is on the 17th and this is verified via the recorded conversation. So imagine my surprise, when Navient disregarded these changes and called my phone several times TODAY. 

Speaking with another rep today, the rep CONFIRMED that the date was changed ( this is confirmed via recording as well. ) Now Navient is saying that the rep didn't put the date in, and the only thing that they can do is have me make a payment TODAY ( Not in the agreement ) to bring my account current, and then they would see if they can change the payment date to the 17th starting NEXT MONTH.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$16000.00}
Consumer complaint received 2022-02-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I obtained a copy of my credit report a month and found some incorrect items. I contacted the credit bureaus via mail. According to the law they are suppose to reply within 30 days. I have not heard anything back from them. This incorrect reporting has harmed my financials, my ability to get credit, sba loan and even a new job.
Consumer complaint received 2021-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I have made dozens of requests for my credit report since XX/XX/XXXX, which TransUnion ignores and refuses to send me my credit report. I have made the requests in writing, on my TransUnion account online, and on XXXX. After multiple refusals, I contacted TransUnion by phone and was told that because I have a security freeze on my credit report, they are NOT ABLE to release my credit report online. 

On XX/XX/XXXX, I again attempted to retreive my credit report from Annual Credit Report, which was refused and required a written request. Please see attached documentation. 

On XX/XX/XXXX, I attempted again to retrieve my credit report from TransUnion on my account after logging in. Please see 3 pages for the requests which was refused. Their website says I am able to request a credit report every 24 hours, which is false. 

On XX/XX/XXXX, to test a theory that TransUnion will not provide a FREE copy but will provide a PAID copy, I signed up for the credit monitoring service on TransUnion 's website. I was able to set up an account very easily and TransUnion did not request an information to verify my identity and PROVIDED A COPY OF MY CREDIT REPORT. Please see attached. 

TransUnion is refusing to provide me with a free copy of my credit report and is forcing me to purchase it in order to access it. The representative with whom I spoke in XX/XX/XXXX gave me falsified information regarding the inaccessibility of my credit report online because of a fraud/security freeze. I have had a security freeze on my credit report since XXXX and only for the past six months have they refused my credit report online. 

I have also attached several documents of proof of identity and address so that TransUnion has no excuse of dismissing or ignoring this complaint referencing proof of identity.
Consumer complaint received 2019-10-16
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: EQUIFAX, INC. (MO)

Equifax is randomly adding and changing comments on old, closed accounts on my report and is terrorizing my credit score. I swear it seems intentional and malicious. Over just two weeks my score has dropped from the 700s to XXXX, but only on Equifax! They are adding negative comments to accounts that have been closed since XXXX, XXXX, and XXXX! Equifax is impossible to talk to and the people at the call center only make things worse. I have already sent a complaint about this and they wont even respond. 

One of the accounts ( XXXX  XXXX ) just today they changed the status to charge off, even though the account has been paid and closed since XXXX! They also changed remarks on an old XXXX XXXX credit card which has been paid and closed since XXXX and an XXXX XXXX account which has been closed and paid since XXXX! 

Equifax is inhibiting my ability to refinance my mortgage. My XXXX and XXXX scores are both in the 700s and Equifax is just out of control. Im going to file suit under the fair credit reporting act.
Consumer complaint received 2022-12-04
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy an confidentiality XXXX XXXX XXXX IS INACCURATE THEY ARE POSTING A PAST DUE BALANCE THAT IS INACCURATE.US DEPT OF XXXX # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 or information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 or information, other than records of convictions of crimes which antedates the report by more than XXXX years.Pursant to 18 USC 8, I owe no debt, This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4
Consumer complaint received 2018-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

To Whom It May Concern, Hi, my name is XXXX XXXX and my loans are being handled by Navient. I have reported this problem before, to which they fixedthe problem. However, they have yet to fix this problem with other students ( including myself again ), as well as my other classmates.

To my understanding, when students obtain loans, students have 90 days to return the loan without any fees or charges occurring ( i.e. that loan amount does not accrue interest ). However, whenever I make return part of my loan to Navient within these 90 days, they apply some of the repayment to the net loan and some of it to the interest that has accrued. Ultimately, these means that the net loan amount is higher and students are paying more over time as the increased net loan creates more interest for students. 

About 1 year ago, I already created a complaint regarding this issue where they refunded me for the amount that was applied to the interest, and the additional interest that it created. Other students that I had warned about this issue contacted the company to which they said this problem has never occurred before and it was a simple error in the system. However, despite their awareness of this issue, they have still yet to fix this 'problem ' that is essentially generating more money for them.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX is depriving my rights under the XXXX of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN, XXXX, and XXXX. By way of identity theft, said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WY)

Experian does not interact with the consumer in any meaningful and constructive way that wastes time and increases frustration in applying and removing credit freezes, Their PIN numbers make no sense, and automated phone service and web page do not function properly. Now I have a credit freeze I can not lift.