davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (CO)

XX/XX/XXXX Reviewed credit report and discovered a XXXX point reduction. Have never received notification nor calls from collector. 

Called on XX/XX/XXXX was not able to reach collector. Unable to leave voicemail either as I box was full. Dispute claim with XXXX. 

XX/XX/XXXX XXXX stated that collection is valid. Reviewed and confirmed it was XXXX service for mobile. The service was transferred over to an XXXX XXXX in XXXX and I was removed from the contract. 

XX/XX/XXXX Attempt to contact collector again but can not reach anyone. Voicemail full again. 

XX/XX/XXXX Attempt to contact collector again but can not reach anyone. Voicemail full again. 

XX/XX/XXXX Attempt to contact collector again but can not reach anyone. Voicemail full again. 

Unable to reach collection agency yo resolve issue.
Consumer complaint received 2022-01-25
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: Experian Information Solutions Inc. (CA)

In 2013 a Home Equity Line of Credit was transferred to XXXX XXXX XXXX. Since 2013 payments to XXXX has been made, not all on time, but in good faith. Since 2013 XXXX has been reporting to the credit bureaus as a collections account. The account was part of the housing crisis and the interest rate was adjusted. Payments have been paid for almost 9 years and the status has not changed. XXXX sent a 1099C for the 2013 tax year. We did not request the cancellation of debt. Since the cancellation XXXX has taken upon themselves to continue to report it as a collections account. I have requested several times for a copy of the note to reflect the status of the account, additional research to resolve the issue and for my own records. I have disputed the account on several occasions and still have not had a clear understanding why this account reflects as a collections account. It is not right or appropriate that XXXX is hindering my ability to repair my credit for 30 years.. Please help
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My phone was stolen last year around XX/XX/2021, I have not made any inquiries on credit cards or loans. On my phone that was stolen I had XXXX XXXX  and XXXX XXXX, I had it where it would auto fill my information. I need all them inquiries removed from the past year. I cant believe how many car inquiries and XXXX XXXX inquiries are on my trans union and XXXX. XXXX.
Consumer complaint received 2019-07-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

Wakefield and Associates contacted me about a medical about a month ago. The person I was speaking with was use an incorrect mailing address for me, I informed them about the error. They said that they were going to send a new statement to my correct mailing address. This never happened they never sent a notice to the new mailing address. 

With no further communication they added it to my credit report when I spoke with them they refused to send me documentation that was sent out as I had requested. 

I am a contractor and my personal credit report is one of the factors in determining my bonding rates. I had not choice but to pay what they said I owed to day to clear up my report. 

Again other than one phone call, which I was told that they would be sending out a notice to my correct mailing address I never had any othe communication with them. 

This can be verified a member of my staff who processes the mail daily they never send a single correspondence to mailing office. 

If you need any further information or have any questions please contact me cell XXXX fax XXXX email address XXXX, mailing address XXXX XXXX XXXX XXXX CO XXXX. 

Thank You for your time and cooperation in this manner. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (FL)

Since engaging with Loan Depot on XX/XX/2019, 106 days has passed and they still have not closed on this re-finance. 

My loan officer, XXXX XXXX, painted a great picture of why I should go with them, as opposed to the other 5 lenders I was working with. Being an informed buyer, I do a lot of research when it comes to large purchases. The 45 day window of hard inquiries being grouped as one by credit bureaus, from shopping lenders had passed. I paid to lock in a rate, while a lender credit & rate match were being applied for, not complete. 

Working in the typical window of 25-45 days to close, XXXX packaged up my loan and sent to underwriting where I guess it got lodged. I must have fallen to the bottom of the pile, as chasing him for updates, he forgot all the details. Understanding that I am one of  many customers, I provided all details to get us back on track, including an appraisal transfer from another poor lender experience, XXXX. However, so much time had passed, I think the rate lock expired, and he began quoting new, much more expensive loan estimates which irritated me. He forgot the details including blaming me for not disclosing a silent second. I put the ownership back on him, as I disclosed everything from the beginning with evidence. My monthly statement and his own loan estimates that had the full payoff. 

Getting more frustrated, I escalated to his manager, XXXX XXXX, by calling to provide context & including him on our email threads. Today, I don't believe anything has moved. I am considering legal action because of what I've paid in appraisal & the hard pings to my credit yielded nothing. Also, I'm being advised to go back to the drawing board to shop lenders again, further impacting my FICO score. 

I feel it's reprehensible to treat customers like this, dragging things out, changing the terms after what was promised, not communicating consistently after things have been escalated. 

Hopefully this serves as a warning to other prospective homeowners and the company 's leadership gets involved in cases like mine that exceed the normal timeline. It occured to me I should cc XXXX XXXX, but can not find an email.
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: ClearPath Lending (CO)

This is a CONTINUATION of complaint # XXXX with XXXX and XXXX XXXX vs Clear Path Lending. As of today, XX/XX/2020, we have CONTINUED TO RECEIVE mailings from Clear Path Lending, despite all the steps that we have taken to have them cease and desist their onslaught of unwanted marketing solicitations!!!!! 

What can a consumer do??? It's unnerving, really! The waste and unmitigated gall that they have promised in writing to you that they will not contact us and lied and still continue to clutter our lives with unsolicited marketing is a real concern to me as to whether they have any regard for authoritative limits at all. We have said, " Stop '' ; you have told them to stop, but have they? Evidently NOT!!! Are they above the law and conscience? 

PLEASE, what can we do to STOP these people??? If they are doing this to us, they are doing this to millions of other VA home owners, bless their hearts, and they don't deserve that either. No Veteran does.
Consumer complaint received 2019-10-15
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. (GA)

Step 1 : What is this complaint about? This complaint is related to a problem with Transunion and XXXX displaying a public record ( bankruptcy ) inaccurately on my credit report.

Step 2 : What type of problem are you having? The problem is I reached out to U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, which is the issuer of data on my Transunion and XXXX credit report, to see how they receive information to put in my credit report. To my surprise, the courts informed me that they do not issue out information to the credit companies.

Step 3 : What happened? I then reached out to Transunion and XXXX disputing the item ( public record ) but their investigation resulted into a verification with the data issuer, but how can they say they verified it with the data issuer when the enclosed letter I have provided clearly states that they ( the court ) does not issue out information to credit companies. As a result, I froze my XXXX XXXX, XXXX, and XXXX accounts considering they are the leading providers in giving 3rd party information. Considering that this is reported inaccurately, I would love for you to have them remove the public record off of my XXXX  and Transunion credit Report.

Step 4 : What company is this complaint about? The companies I am complaining about or Transunion and XXXX, XXXX XXXX, XXXX, and others.

Step 5 : Who are the people involved? Myself XXXX XXXX XXXX and the employees of Transunion, XXXX, XXXX XXXX, XXXX, and XXXX. 

Please help me. This is terribly effecting my score.
Consumer complaint received 2021-07-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I've tried numerous times to have the creditor Police and XXXX XXXX XXXX XXXX to remove a inaccurately missed payment from XX/XX/2019. I never missed a payment and was told to contact the bureaus to fix and it's still not fixed. This is causing harm to my credit reports and preventing me to be qualified loans and causing tremendous stress. So since no one is fixing this problem I'm submitting a complaint. This is not fair that they messed up and I have to suffer because of their mistake.
Consumer complaint received 2020-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: C & M Associates Group, Inc. (MO)

I received a call on a work phone in a co-workers office. They asked me for my name without introduction then began asking some personal information. I didn't provide anything I thought they could use to steal my identity but verified who was. I was then put on hold and connected to a male who began by asking me if his coworker explained the nature of the call. I told him no. He then told me that I had a debt that started at around {$1500.00} but was now {$3600.00}. He said it was from XXXX XXXX. I told him that I have never owned an account there. He said he wanted to get do to the bottom of things and figure out what was going on. He then asked me if I was divorced, if an ex-wife could have done this and if she ever did anything like this before. I told him yes she has and much worse. ( I have been in litigation for over 6 years with her and this case is a matter of public record. He could have looked it up. ) I asked him what his name was but he just continued talking. There was a lot of noise in the back ground and it was hard to understand him. I asked him if he was in a call center. His reply was his company has its own collections department. He told me that he would talk with the creditor and see if they would settle the debt because of my divorce. When he came back he said they would take the original balance of around {$1500.00}. I told him again that I never had that debt. He said that if I didn't settle he would begin the process. He then asked me if I lived at an address I resided at 26 yeas ago. He also said I would see my debt on my XXXX and XXXX   credit scores and it was my job to dispute it. since I didn't, I owed it. I told him that it wasn't there because id didn't exist. I told him to hold no while I check. I could hear him shifting the phone back and forth. I use XXXX XXXX to monitor my credit so I looked and sure enough nothing. I told him this. He said he didn't have the time to waste with arguing and hung up on me. I went back to my office and saw the same number on my phone. They left a message. XXXX XXXX was the name she went by and her phone number was XXXX ex XXXX. The name was c & m associates. I think this is a scam to scare people into giving them money and when they found out I monitor my credit they hung up.
Consumer complaint received 2019-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

This account is being reported inaccurately. I was never late on this account however it is being reported with repetitive 30-day marks which is a clear violation of the FCRA. 

I have disputed this account a few times and have asked for any proof or documentation that I was ever late but got no response from them which violates my rights.
Consumer complaint received 2023-04-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (MO)

On XX/XX/2023 I called Gm financial to have my account notated to apply all future overpayments directly to the principle. 
The first customer service rep informed me that any overpayment up to {$200.00} would be automatically applied to the principle but anything over that would require a call every time. I asked to speak with a supervisor. 
The first supervisor reiterated everything the first CSR said. I asked for another supervisor.

The 2nd supervisor started out telling me that every overpayment would require a phone call to get it applied to the principle. After speaking for several minutes and informing them what i had been told by the previous customer service reps they changed their story to say that if I made 4 overpayments in a row, with calls, that on the 5th overpayment that i could call again and get them to apply all future overpayments directly to the principle... 

This seems like a very shady business practice to me. To put overpayments to the principle behind a phone call and subsequent wait time is to discourage early payoff first and foremost and secondly to misapply overpayments if the customer does not check on where the payment is applied. This puts too much burden on the customer.
Consumer complaint received 2015-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MT)

Problems with Equifax still reporting a 7 years old ch XXXX Bankruptcy : XXXX and XXXX have deleted the item but Equifax continues toconfirm and renew reporting on this stale credit report Item. ( Twice ) It was only ever filed once. 
Federal law says it can be removed but Equifax continues to maintain reporting. 
I have disputed repeatedly but item only shows on Equifax and they will not cooperate. As of the latest dispute this is their response : We have reviewed the bankruptcy information. XXXX The results are : We have verified that this publicrecord item is reporting correctly. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX & gt ; & gt ; & gt ; We have reviewed the bankruptcy information. XXXX The results are : We have verified that this publicrecord item is reporting correctly. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX responded with the following - outlining regulations regarding fair credit reporting regarding 7+ year old Bankruptcys ( ch XXXX ) I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. 
Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated forten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcyabout dismissals or filings. The law clearly states from " date of adjudication '' or date of " order ofrelief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filedmay never have actually been adjudicated. Therefore, you have no right to maintain information whichthe government has deemed nonexistent. 
You are reporting this Item twice when it only existed once. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my creditreport and send me an updated copy when this action is completed. 
Consumers have the right to pursue litigation against reporting agencies and collect damages forviolating the FCRA. 
I would like this removed- deleted from my Equifax report immediately. 
Thanks XXXX XXXXXXXXXXXX
Consumer complaint received 2019-10-15
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. (CO)

I am writing this complaint due to the negligence of TransUnion and their inability to remove the account even with proof of the violations they were allowing to be committed on my report. I had requested due to the violations they removed the account with XXXX XXXX XXXX and they said they " Validated '' it as accurate. However, on my report there are no notes that the account was even investigated in the remarks on my report. How can I prove they validated or even investigated it?
Consumer complaint received 2019-10-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: M&T BANK CORPORATION (OH)

Refinanced home mortgage with enough cash out to pay off car loan. Loan closing was on XX/XX/XXXX with disbursement scheduled for XX/XX/XXXX. M & T Bank claims it did not receive payment until XX/XX/XXXX, thirteen days ago. After not receiving lien release I spoke with M & T representative today and was told they have to wait for check to clear but the automated system said the account was paid off on XX/XX/2019. I can not sell this car without a title and getting the lien release is just the beginning of the process. I believe this should have been done before this.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2019-10-15
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (MI)

I began an inquiry into a refinance of my current VA mortgage loan on XX/XX/XXXX. My inquiry was through XXXX XXXX XXXX out of Utah, whom I used to secure my current VA loan back in XXXX. That arm loan was underwritten with XXXX XXXX and is still with XXXX XXXX at this time. As the process began, I signed the initial documents to inquire on XX/XX/XXXX. XXXX XXXX XXXX searched for an underwriter and it was determined that NationStar dba Mr. Cooper would be to whom we would inquire. As the process began to unfold, I was asked from time to time to initial additional docs. At one point, on approxamtelly XX/XX/XXXX, I was instructed to re-submit the entire initial process documents a second time. Approximately 60 days had now passed from the initial contact to inquire, and I had incurred a late payment for the month of XX/XX/XXXX for the first time in years, and I was hit with a {$30.00} fee from XXXX for processing. There had still not been a closing date set or any documents to proceed. On XX/XX/XXXX, I determined that the interest rate Mr Cooper was offering compiled with the excessive delay to close, were not conclusive to my needs. On XX/XX/XXXX I withdrew my application to refinance with XXXX XXXX XXXX, paid the additional {$30.00} fee accessed and was ready to move on with things as they have been for the previous 3 years. On XXXX, I received a letter ( attached doc 1 ) from XXXX XXXX XXXX , who holds a small second mortgage lean for a home equity line of credit I took in XXXX. The letter stated that I needed to submit documents showing I had sufficient insurance on my property. Since this had been in place since XXXX, I was confused as to what this was about. I went to XXXX on Mon. XX/XX/XXXX to inquire. They told me for some reason they had received documents XX/XX/XXXX that no longer listed them as a secondary lean holder. I proceeded to my Insurance company and discovered that NationStar Mortgage LLC, D/B/A Mr. Cooper had submitted documents to my insurance ( attached doc 3 ) effective XX/XX/XXXX, to remove my current mortgage lender and replace with them. Since I had never signed any closing documents, or any other documents outside the initial inquiry, I found this to be a fraud. I instructed my insurance to correct the paperwork to the original lender as of XX/XX/XXXX. Upon further investigation, I obtain the policy change issued by my insurance agent, XXXX, showing this was actually submitted ( attached doc 5 ) on XX/XX/XXXX, well before the request to submit the inquiry documents for a second time was even made by Mr Cooper? It is my position that NationStar, DBA Mr.  Cooper attempted to hijack my mortgage well before any authorization by me to proceed, or any attempt to close the refinance loan was issued. I am filing this formal complaint and wish to additionally inquire if this was even a legal move by Mr Cooper?
Consumer complaint received 2022-01-13
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Healthcare Receivables Group, Inc. (SC)

On XX/XX/XXXX, I spoke with a woman who stated her name was XXXX and represented herself as a manger. I gave her a verbal cease and desist and stated any further communication should be conducted by US mail. 

Today, XX/XX/XXXX, I received 3 phone calls from this company in a little over an hour. 

On numerous occasions I have attempted to give this company the numerous adjusters and claim information to pursue the insurance for these bills. I have occupational hazard insurance, personal medical insurance, medical payments coverage, as well as third party liability insurance in relation to these bills. I was told the company would not submit bills to the insurance and I needed to pay them.