davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-01-15
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. (ND)

Sunday XX/XX/2023 this is the email transunion sent me on XX/XX/2023 now Im done dealing with these people because it is clear that they are lying to someone! I am requesting that the negative marks on my credit report be removed immediatly as for in the future they are just going to keep lying about my account until I give up. I am serious about removing them and requesting information on where to start with a lawsuit!!!
Consumer complaint received 2019-04-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (MO)

I believe that I was discriminated because I am currently receiving public assistance ( Social Security ) or my age. I don't think it could be anything else because I have assets in excess of 1.5, not including my free and clear home that they were aware of. First of all they told me not problem, but then when they did some kind " formula '' and I needed more that the 20 % per cent down that was originally agreed to. Then a week before scheduled closing, I need more money at closing in the form of cashier 's check only. Then after I was told about the addition money, it was well after close of business yesterday, I had to scramble around this morning to get a cashier 's check to close. I went to closing signed all kinds of documents ( and presented my two checks ) only to find out that I would not receive my keys until Guaranteed Rate Affinity LLC " released my funds ''. 

I would ask how many people with credit scores over 800, over 20 % and a fairly large sum in investments get refused from a mortgage company somehow affiliated with my real estate firm. It really looks like Disparate impact to me and also I don't think they like that fast that I receive substantial payments monthly from Social Security. 
Again Guaranteed Rate XXXX  XXXX NMLS # XXXX. 
Please let me know what I need to do or if you can help me!!!
Consumer complaint received 2019-04-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

I attempted multiple times to come to a resolution with Navient concerning my private loan repayment options. I was lied to and told I had a co signer which I did not to try and scare me into making higher payments. I was then told I couldnt be in default and get on a lower payment program so I paid money to get out of default to only then be told by the next representative that I had to be in default to qualify for lower payments. I have now had to settle this debt with a debt collector to avoid garnishment. 
I was given an {$18000.00} loan with no job and no co-signer but a very high interest rate. This is bad and potentially illegal practice to do to children that they will suffer for the rest of their lives rather than just denying them.
Consumer complaint received 2019-02-03
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. (OH)

I was trying to look at a new car when my credit was pulled I saw several accounts that I have never done business with, I don't have any paperwork or bills from collections agencies or any type of notifications. I have been back and forth in College between XXXX  and XXXX. I now live in XXXX. Someone has you my information to open accounts and credit. 
TRANS UNION File Number : XXXX XXXX  Report Confirmation # : XXXX XXXX  XXXX XXXX  XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX  XXXX XXXX  # XXXX XXXX  XXXX  COMPANY # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX XXXX XXXX XXXX The following addresses are not mine on my credit report they are inaccurate as reported : XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX , XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX I am a victim of ID The
Consumer complaint received 2022-08-19
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. (AL)

Upon reviewing my reports, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2019-04-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rausch Sturm LLP (WY)

Repeated calls to cell phone and repeated letters after being notified of representation. 

All of my original creditors have been notified by phone and in writing that I am being represented by an attorney both by telephone and by letter. The fact that I am being represented by an attorney does not vanish because the debt is purchased or transferred. If this firm purchased my debt, or even if they are just managing my debt, then this firm also has access to the records of my debt and has knowledge of my attorney representation prior to taking ownership of my debt. 

This firm has also been individually notified that I am being represented by an attorney.
Consumer complaint received 2019-04-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: American First Finance, Inc. (FL)

I applied for an account at XXXX XXXX for furniture. The store rep XXXX verified that they use XXXX to run any credit requests through American First Finance. My XXXX FICO is XXXX, my monthly gross is {$2900.00} ( {$2700.00} net ), my annual is {$38000.00} and my fianc makes $ XXXX/month. I have the credit and we have the income, yet I was denied.
Consumer complaint received 2019-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX XXXX I have found some information on my credit that is not accurate. I have been looking for a new job yet when my credit report is ran it seems like someone else information is coming up on my credit report. My name XXXX XXXX 
XXXX I work for XXXX XXXX  XXXX. My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX.The following address are not mine please delete/remove them : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX , AL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2007 XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX . I would like a full report as well. The following number do not belong to me please delete them from my report as well. 
( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2023-03-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (MI)

My mortgage company ( planet home lending ) has contacted me numerous time telling me that I owe an extra mortgage payment to them. I have submitted to them all of my bank statements proving that I have paid all of my mortgage payments on time. 

After months of them contacting me telling me I'm late and investigating where my payment was, they told me that they took the money I paid them and " accidentally '' applied it to the principal balance without my permission. But they are still telling me that I am responsible for their error and I must pay them or my house will be put in foreclosure. 

I am a XXXX vet, I dont know what to do. Please help. This is stressing me and is torchering my mental health.
Consumer complaint received 2019-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (GA)

I ordered cable service with company and upon install my personal property ( television ) was damaged and cable service did not work. I immediately cancelled the service and returned the equipment. Service provider continues to attempt to collect on a debt that I do not owe, nor agreed to pay. Consequently, debt was reported to credit bureaus and I have disputed it with no favorable results.
Consumer complaint received 2019-08-20
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. (MS)

I am writing this due to non-compliance with the (XXXX, XXXX ,Transunion). They have failed to remove information that was affiliated with personal details that were challenged in the past . I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2016-10-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (NY)

XXXX months, I called SLS Mortgage Servicing to find out why they were not reporting my mortgage payments to the credit bureaus. They stated that my husband and I were still in bankruptcy. We filed bankruptcy in XX/XX/XXXX and reaffirmed with XXXX Mortgage at the same time. XXXX is no longer in business and our paperwork must have been lost. 
SLS is now our loan servicer. So we wrote a letter and included a copy of the reaffirmation paperwork to SLS. 
However, we received a letter from SLS dated XX/XX/XXXX, that upon researching our account they found no errors. 
they failed to mention our reaffirmation. We submitted our reaffirmation and have been steadily been paying every month on time in full. We can not refinance we can not prove that we have been submitting payments and have no credit scores. We need them to report our payment history. We are not asking for much. PLEASE HELP US.
Consumer complaint received 2021-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I deposited a company check on XX/XX/2021 at a local Bank of Amercia branch. This check is from the same business account from where my checks are deposited directly every 2 weeks. After making my deposit, the check was placed on hold till XX/XX/2021. That is a 10 business day hold on a company check?? I need the funds to pay for the repair of my car, which i've been without for 3 weeks. After 9 phone calls, 3 with a supervisor and 2 visits to a branch, no one can help me or give me an answer as why it takes 10 business days for a check to clear. I'm a single Father of XXXX. If I don't have a car I can't work. I understand a 2 or even 3 day hold. But to hold a {$3500.00} company check for 10 business days is absurd. It seems Bank of America is simply drawing interest on my funds, what other plausible explanation is there for a 10 day hold of funds.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

still reporting old debt that's is still on my credit report and I filed chapter XXXX bankruptcy last year. so the information should have been up dated by now. cause I got the discharge on XXXX of last year.
Consumer complaint received 2019-04-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MA)

I have an I.R.A. account with Wells Fargo. 
Their address XXXX XXXX  XXXX, XXXX XXXX, South Dakota XXXX Phone # XXXX I wanted to withdraw money from my I.R.A. 
The representative told me they were going to send me a form for me to sign via U.S. Mail That was XXXX XXXX I never received it so I called them today XX/XX/XXXX and got stuck on hold for over a half an hour. 
When the rep picked up I told her I wanted to speak to her supervisor about this matter and why I was on hold for so long. 
The rep gave this nonsense that her supervisor wasn't in. I refuse to accept that excuse which resulted in me getting angry. 
The rep hung up. 
I called again and was put on hold til another rep answered. She did respond by saying the form was mailed out on XX/XX/XXXX. 
I should have received it today which I did not. 
I have made previous calls prior to today and the only answer was " I don't know ''
Consumer complaint received 2019-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (NC)

I was contacted repeatedly on XX/XX/2019 from a company. They asked to confirm my DOB and last XXXX of SSN but I told them that I wasn't aware of there company or debt with them. I asked for the name and address of the company but the representative said that he couldn't give it to me because he had to confirm my info first. I declined and he hung up. I called the number back and I asked the representative that answered for the name and address of this company. She wouldn't give me the address but gave me the name Halstad Financial Services. She told me to look them up on the internet. I am not aware of any debt that I have with this company. I asked them to mail me a validation letter and they said that they couldn't do that.
Consumer complaint received 2019-04-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AZ)

I am trying to solve the issue of who has my loan and who to pay my balance to. I been contacted by a collections agency for a delinquent account for over a year and then in XXXX of 2018 sent the collections company ( XXXX XXXX XXXX ) a loan validation letter to confirm they have permission to resolve my debt. I have yet to hear back from them since. Though with the NUMEROUS complaints and recent lawsuit with my loan servicer, I have no faith in their advice or information about my account. I don't know who to turn to and am looking to resolve this so I can rebuild my credit and one day begin enjoying my life.
Consumer complaint received 2022-08-19
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Addresses : XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Employer : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX SC XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX 'S XX/XX/XXXX XXXX SC XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX BANK XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Inquiry : XXXX XX/XX/XXXX Collections : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-03
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: LOBEL FINANCIAL CORPORATION (CA)

Lobeal financial repo car they are still garnish my wages after its been over 7 years and I don't even own the car but they still want me to pay for it in full after they repo the vehicle years ago and it's hurting my credit score bad I was young at the time now that I have grown and have a family of my  own I want to buy a house but can't because of my credit I just asking for a second chance if possible thanks sincerely XXXX XXXX
Consumer complaint received 2019-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

Sir/Madam, We are senior citizens owning a home with a mortgage from Santander Bank. We are paying our mortgage installment from our checking account we had with them. We authorized them to take money on XXXX of every month and they are doing so for past 10 or more years.

Of late Santander Bank is using dubious methods to CHEAT ITS CUSTOMERS. For example they charged us XXXX as late fees in paying our XXXX installment. as you know XXXX of XXXX is a Bank holiday and they took out money on XXXX XXXX and it seems it is our fault for the Bank not taking the money out! 
ONE MORE SURPRISE AND DUBIOUS THING. THEY SEND OUR OUR MONTHLY MORTGAGE STATEMENT EVERY MONTH. MY XXXX MORTGAGE IS NOT SHOWING ANY OF THIS DUBIOUS LATE PAYMENT PENALTY. WE COULD ONLY SEE IT WHEN WE WENT TO OUR MORTGAGE HISTORY IN THEIR WEBSITE. 

we want to know and we are requesting Consumer Finance Protection Bureau to launch an inquiry about ... how many more customers are cheated in this way. If they really cheat make them pay a big penalty. 

XXXX XXXX XXXX.
Consumer complaint received 2019-04-12
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. (GA)

XXXX XXXX XXXX violated my consumer rights by not notifying me of the sale of my repossessed vehicle. The address they mailed documents to was not my address. This information was obtained through debt verification from XXXX XXXX XXXX who purchased my debt. 

I attempted obtaining verification multiple times from the credit agency and the debt collector who now owns the debt from XXXX XXXX stated XXXX XXXX states their records are correct. Which in fact is not. 

Being that I was never notified of the lingering debt or a way to pay it until being harassed by the debt buyer which I never had a contract with or received any goods or services from.
Consumer complaint received 2019-04-02
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. (FL)

My ex wife used my information to apply for credit cards with out my permission in order to add her self as an authorized user on these credit cards. My XXXX are currently sueing her in court for these fraudulent activities I contacted Transunion to let them know exactly what transpired providing them with court documents but nothing was done please remove these hard inquiries items from my credit because it is really hurting my credit score.
Consumer complaint received 2019-04-02
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: EQUIFAX, INC. (FL)

My ex wife used my information to apply for credit cards with out my permission in order to add her self as an authorized user on these credit cards. My lawyers are currently sueing her in court for these fraudulent activities I contacted Equifax to let them know exactly what transpired providing them with court documents but nothing was done please remove these hard inquiries items from my credit because it is really hurting my credit score.
Consumer complaint received 2019-04-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (OH)

My vehicle was repossessed on XX/XX/2019 approximately XXXX XXXX   from my residence in XXXX OH, I did not receive a letter stating how much I would need to pay to retrieve the vehicle, the lender then sold the vehicle at auction and I did not receive a letter stating the sell of the vehicle. I found out by the balance lowering on my credit report which states I owe them around 12K. I have not received any communication from them at all.