davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
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. (NY)

In the week Of XX/XX/XXXX, I contacted the Transunion credit reporting about an error they made in my credit report. Im XXXX of this year my credit report was at a XXXX. In XXXX I saw my credit report drop to a XXXX. What was reflected in the report was that I had a 2 month late car loan payment in XXXX. My confusion was compounded not only by the fact that that very same car loan was paid off, in the same month of the late car payment in that same year but that was not reflected throughout the entire year of XXXX until XXXX of this year. And when I contacted a representative of Transunion via phone, I was assured the matter would be addressed. However there has not been any change. This brings me to the unethical credit reporting practices of XXXX and how they targeted XXXX and made false credit reports negatively impacting XXXX  chances of personal, home and auto loans. This something that I hope to be resolved as quickly as it was damaged. Thank you.
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied to extend credit through capitol one on XXXX/XXXX/2022. I was pre approved for several cards & once I submitting an application I was only given a {$300.00} limit.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

on XX/XX/2022 i sent a letter in regards to inaccurate items on my credit reports. its been more than 70 days and i have not receive any validation of debt or results of the investigation. Section 611 ( a ) states that a failure to investigate the items within 30 days gives a reason to delete the items immediately from my credit report. It has been more than 70 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to all stress caused to me.
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

These are the two fraudulent hard inquiries on my credit report. I did not apply for any credit cards. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Requested On XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type
Consumer complaint received 2019-04-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CO)

Have struggled to repay private student loans with Navient. I have been on Social Security XXXX and have had extraordinary medical expenses and loss of income due to health issues. 

The payment plan I was on was discontinued because of a technicality because I did not call Navient to continue the repayment program so the lower interest / lower payment program was discontinued and the payment went from $ XXXX month to $ XXXXmonth. Additionally, all of the interest during the term of that program was set at 1.5 % but when the program was discontinued, the typical interest rate of 12 % was recapitalized back into the loan inflating the balance of the loan. 

I have repeatedly told Navient that I can not afford {$1700.00} /month payment but they will not change the payment plan and tell me they will continue to advance the loans to default. 

The original principle balance of these private student is a fraction of the current principle / recapitalization interest balance. 

I am recovering my health and Navient offered and setup a repayment plan that would lower the monthly rate to an affordable rate of 1.5 % but after setting up the repayment program and payment plan, Navient said a few days later that the program was not actually approved and they wanted additional private family information. 

I am willing to pay these student loans under the 1.5 % interest rate and payment of $ XXXXmonth that was offered and actually setup in their system but the Navient manager said it was discretionary whether they approved anyone for this repayment program. This sounds like a practice of disparate treatment ... the program is available but Navient evidently wants to maximize their $ income ... without regard for individual privacy. 

During one of my earlier discussions with a lower level Navient representatives he said that Navient was just one big credit card company that would do anything to collect payments and increase corporate funding. 

Lastly, the representative confided to me that Navient has been actively selling loans to 3rd party collection agencies ever since the CFPB and other State Attorneys offices filed lawsuits against their predatory loan and serving practices.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Army and Air Force Exchange Service (NY)

XXXX XXXX, Date Opened XX/XX/XXXX XXXX Owed {$8500.00}. 

XXXX XXXX, Date Opened XX/XX/XXXX the balance amount reporting is conflicting {$6000.00} vs {$4000.00}.
Consumer complaint received 2017-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (AZ)

On XXXX XXXX, XXXX Stearns Lending ( my home mortgage company, loan number XXXX ) sent me a confirmation email that my regular mortgage payment had been received and processed. I had sent a check in the amount of XXXX to them. The regular mortgage payment was {$970.00} and {$1000.00} was to be applied to the principal balance. The check was sent through the mail along with the payment coupon showing how the payment was to be applied. Stearns Lending cashed the check for only {$970.00}. I sent an email to their loan care department along with a copy of the cancelled check showing that only {$970.00} was taken out of my account. I received an email from them on XXXX XXXX confirming receipt of the email along with a ticket number ( XXXX ) investigating the issue. I did not hear from them again until XXXX XXXX when Stearns sent me an email saying the issue was resolved and the ticket closed. I called them to ask what was the resolution. The agent did not have a resolution in her documentation but said they would go my bank, XXXX, and pull the funds out. I called XXXX and pointed out that the check had not been cashed for the amount written. On XXXX XXXX XXXX debited my account for the additional {$1000.00} and sent the money to Stearns. I kept checking my Stearns account to verify the money had been applied to the principal of my mortgage. On XXXX XXXX when it still had not been applied, I called Stearns. I spoke to agent # XXXX who told me that I needed to get a " transmittal form '' from XXXX to prove that the money had been sent. XXXX tells me that I need to come into the bank in person to get that. I will do so in the next couple of days. In the meantime, the {$1000.00} has not been applied against my principal and my account is accruing interest that it would not be accruing if the principal had been reduced by the amount I paid at the end of XXXX.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

I was unemployed for months in XXXX. I was unable to get unemployment for months due to the pandemic. 
I sought out arrangements for my accounts. 
XXXX XXXX- I deferred 2 payments XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX- prior to the account being delinquent I used my credit card insurance XXXX XXXX I used my credit card insurance, According to the cares act if the arrangements were made prior to the delinquency then the account has to report as it was, the credit bureau has not followed this rule. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-04
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: BROKER SOLUTIONS, INC. (IL)

I was trying to get info on mortgage loan info, we got contacted by a mortgage lender that took our information and ran our credit without our written consent and did not even get back to us with any information on our mortgage application. 
Company name : new American funding XXXX  XX/XX/2022 XXXX My spouse 's name was on it too
Consumer complaint received 2024-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (VA)

I received the Q2 Property Tax bill from XXXX, VA in early XXXX. It was due at the end of XX/XX/XXXX but as the invoice sent to me indicated, Freedom Mortgage denied payment. Given that we escrow funds for this purpose, I reached out to Freedom Mortgage to understand why they declined to pay the property tax bill and then to ensure they did pay it. XXXX (? ) in the Tax Department stated they would open an investigation into the situation and asked if they could text me updates. I said, yes. After several weeks of no updates, I emailed and included copies of the invoice they declined and I kept being told that they would open an investigation. In that time I received another notice from XXXX XXXX that my tax was significantly past due, a penalty fee was added and payment was due asap. At that point I paid the tax bill out of my own pocket. I continued to email and now included the receipt of my payment for the taxes and still got the same reply, we will open an investigation. On XX/XX/XXXX, I called and spoke with XXXX in Freedom Mortgage 's Tax Dept. XXXX confirmed that Freedom neglected to pay the Q2 tax bill ( no explanation as to why ) and then stated they would issue me a refund check from my escrow. To do so, she needed to transfer me to their Customer Service department as they initiate the refund checks. I spoke with XXXX ( ID # XXXX ) and she said XXXX explained the situation to her and then she took the info to initiate the refund process from my escrow. XXXX ended the call by telling me it would take 3-4 days to process the refund. Two weeks later, I still have not received a refund check so I emailed Freedom. Today, they replied and said I was mistaken, no reimburse was being issued.
Consumer complaint received 2020-12-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VW Credit, Inc (FL)

I returned a vehicle to XXXX XXXX  off lease and picked up a new leased vehicle from the same dealer on XX/XX/20. The car was clean and dent free. Today I received a call from a collection agency ( XXXX XXXX ) stating that I owed {$660.00} on the returned vehicle. I never received any prior notification or report of any damage to returned vehicle. I was threatened with a judgement if I did not pay.
Consumer complaint received 2016-08-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ONLINE Information Services, Inc. (IA)

this issue has not been resolved yet. Although online collection agency has answered and which i appreciate them sending me proper debt of validation, im not being helped when i say this debt is not mine. I have since received the debt validation from Online Collections. I have included XXXX attachments they sent me about them and the debt from my XXXX ( same company that merged ). If you look at the account numbers, its different than the account number that i had when i had XXXX XXXX. 

It took a long time but i have found and attached my last XXXX bills from XXXX XXXX that was in my email. its all time stamped and dated. The account numbers differ from the ones that Online Collections are saying that i owe in XXXX/XXXX/2011. 

How can account numbers change right at the time i stopped service with XXXX XXXX? The address i lived after my last bill is XX/XX/2011 " which i attached a file '', i did not need to have my name in any address after that date. i should not be billed at all, especially an address i do not know of. this could be a simple error on their part but still, not my error or debt. 

This is not my debt that Online Collections are trying to collect from me. I have NEVER lived at XXXX XXXX XXXX XXXX, XXXX, NC, XXXX which is the address of the debt they are trying to collect. 

Making a police report for fraud is out of the question right now since i am working out of state and wont be back to NC until the holidays. I was told i had to make a police report in the same city/county as this incident occured. 

I need this to be resolved, ive been spending hours upon hours finding facts to prove its not mine. my credit report has had many false info that has already been deleted but this is the last one that seem to get no help from even though im providing all necessary info, proof, and documents.
Consumer complaint received 2024-05-11
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SLM CORPORATION (HI)

I sent Sallie Mae a letter back in XX/XX/year> via XXXX, which they received on XXXX/2023. In this letter I requested for them to restore both my daughter and my Credit Reports as it was damaged tremendously due to several issues they created. 

FIrst, they claimed to have mailed late notices to my daughter on XXXX/2023 and to me on XX/XX/scrub>XXXX/2023. XXXX spoke with my daughter on XXXX2023 and mentioned that her current address wasn't in their system and that their system just underwent an upgrade from XXXX to XXXX XXXX, which may have resulted in discreprancies or errors in the process. But, my daughter also had a forwarding address too! 

Because neither I nor my daughter received these letters that they claimed to have mailed, I requested a copy of when it was mailed and Proof of Mailing, of which I still haven't received in over a year since my request. And, the timing of those letters would've made both credit reports over 60 days late! They clearly admitted that the letter was sent out on that date, how is it fair that none was mailed prior, such as after 30 days or even earlier, as to protect both Credit Reports?! 

Next, they called and left XXXX Robo Calls! But, none were answered because Sallie Mae Spoofed their calls with another phone number and each call said, " Potential Spam. '' If I'm not mistaken, Spoofed calls are Illegal via TCPA. If these calls came in from Sallie Mae, they would've been answered but they chose this option instead. 

Because of the failed requests for Proof of Mailings of both letters, the damage they caused to both our Credit Reports and the XXXX Spoofed Calls, I would like to request for you, CFPB to request a copy of their Proof of Mailings and to also remove the Negative info. along with removal of Sallie Mae from both our credit reports. I would like to inform them that we are in touch with an attorney to seek further assistance in regards to the XXXX Spoofed calls as they continue to make these Spoofed calls even though I told them it's a problem. I do believe each TCPA violation would be @ {$1500.00}, which would total {$48000.00}, plus attorney fees and other damages we plan to seek due to damaging both our credit reports which caused both of us so much harm. 
I would also like to know why didn't they reply to my letter which I can provide to you if you'd like and also why didn't they correct our credit reports as both reps from Sallie Mae said that since I made the payment they were requesting for past amounts, that the scores should go back to normal. I did not include the copy of the letter to them because it contained our names and address and read not to provide this at this time.
Consumer complaint received 2016-06-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONLINE Information Services, Inc. (NC)

A debt collector is attempting to collect a debt for an electric bill in for an address in XXXX, Florida which I 've never lived at. This is seriously impacting my credit score and leaving me unable to do anything involving credit without incurring higher fees than it should. I 've asked the collections agency to mark this debt as fraud and have it removed, as the mistake is clearly on their end, but they are requiring a lot of paperwork and information provided for them to investigate over a period of 90 business days. This seems very unreasonable that they ca n't just investigate this on their end and require me to jump through hoops for their mistake
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a late payment reported for XXXX of 2019. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Consumer complaint received 2020-09-16
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: M&T BANK CORPORATION (PA)

This complaint is in response to my original complaint # XXXX on XX/XX/2020 which was closed with feedback. XXXX XXXX XXXX bank is awaiting a feedback or response from me as they have realized that there investigation needs further review. My original feedback was that I did not understand the companies response. I also dont accept there response. There are still a couple too many inquiries for same loan product on my experian credit report. The consumer advocate at XXXX XXXX XXXX will know what we discussed on XX/XX/2020 and will reinvestigate my original complaint. Advocate has further information I provided and may contact me if more is needed.
Consumer complaint received 2019-04-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

As of XX/XX/XXXX my husband deceased and I was left with no household support because he was the person on the account and he was the person covering the household expenses and I was not able to take care of the Mortgage Payments due to my husband deceased and left alone with a great financial hardship and this caused me to be in deep XXXX and great stress. I decided to request help for a loan modification to Select Portfolio Servicing and as I was in reviewed it took a great long time to get my social security updated on their system it took months to correct my name and my social security number. This lender had the wrong information of my identity. I provided a notarized affidavit with my name and social security number and this caused a delay my modification review, when they finally reviewed I was offered a Repayment Plan with a amount that I was not able to afford over {$6000.00} every month and that is an outrageous amount. I will never be able to afford that kind of payment and this is why I am presently into a Foreclosure status. I have a Trustee Sale coming up on XX/XX/XXXX and I need your help to prevent for Select Portfolio Servicing to foreclose on the only roof I have. I have no where to leave they will cause me into a great burden. Please help me get this lender to provide me a better workout solution to keep my home. I am only asking for an affordable mortgage payment, I have my income plus my rental income and if necessary I can provide my daughters income but please help me save my home.
Consumer complaint received 2020-09-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mid-Atlantic Consumer Services (FL)

XXXX XXXX sold this account to XXXX XXXX XXXX in the amount of {$1200.00} on XXXX XXXX2019, with false pretense after XXXX XXXX has been paid by the insurance company and have tried to commit fraud against me the consumer. Then have sent my information to this company XXXX XXXX XXXX to try and force me to pay a debt that was already paid once, Then continued to submit this as a non paid balance to my credit report. To intentionally report false information to XXXX. I want this frivolous charge removed off my credit report. This is illegal and I need help now. They are committing fraud.
Consumer complaint received 2023-04-13
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. (TX)

Consider this complaint as my follow-up prior to my previous complaint to ensure that the fraudulent items in my file are ultimately removed. 

Please Remove these items : XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX Balance : {$1100.00}
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST NATIONAL BANK OF OMAHA (CA)

Hi my name is XXXX XXXX and im an victim of identity theft. I tried to handle this issue with credit bureaus but no help there .Someone applied for a credit card under my name and it shows on my credit report.Creditor sends a result of investigation as everything is accurate so im attaching the documents I sent to bureaus this account does not belong to me.Also another account that shows late but that late wasn't my fault and I notified the company too .I sent them my XXXX  positive test results that I was in XXXX and before that I sent my payment by mail and I don't know why they returned the mail I sent so it was not my fault to be late.
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Clarity Services (FL)

Today, XX/XX/2018, I applied for a medical loan with XXXX. I was told my identity could not be verified but I provided all of my information. The representative stated they tried to confirm my identity with Clarity Services, XXXX and XXXX  but because of fraud alerts and security freezes, they could not. I contacted each credit agency and they have not removed the alerts and freezes.