davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MO)

on XX/XX/XXXX Fedloans notified me that on XX/XX/XXXX they changed my loan status to deferred based on information provided by XXXX XXXX XXXX XXXX XXXX where I am a clinical fellow. I am not a full-time student. I do not believe that I qualify for deferment nor would I choose to be in deferment if it was offered. 

They indicated that deferment would not end until XX/XX/XXXX I do not know what this is based on as my fellowship will end on XX/XX/XXXX. 

I have attempted to contact them by phone however when I have chosen the option to have them return the phone call they have not. Additionally, they have no option on their recording to speak with a representative. I had to XXXX what to press to wait for a representative as their phone tree does not provide options that are pertinent to my issue. 

Overall it feels as if Fedloans is taking actions regarding my loan status that I do not want to be taken and only informing me months after the action has been taken. They are then making it difficult or impossible for me to correct the issues they have caused.
Consumer complaint received 2019-07-31
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. (NJ)

I'm currently in review for a modification with my mortgage company, XXXX. I received a letter in XX/XX/2019, stating that they had all of the required documentation and the review was complete. I never received a decision. 

In XXXX, XXXX, reported to the credit agencies that I've signed a deed-in-lieu. I have not. I contacted XXXX immediately and they agreed that it was error and would be removed within 3 days. Two weeks later, I received a letter from them stating that the deed-in-lieu is correct. 

To date, they have not removed this misinformation which has adversely affected my credit nor have they sent me a decision on the modification.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-04-14
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. (VA)

I was notified by my mortgage company that they did not receive payment for my loan. I pay automatically every month since inception. I have provided proof from my bank that it was paid and they still have not credited my account or fixed my credit score.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

for the last year my score with all three bureaus are running mid 600s i am attempting to buy house so paid down all cards but kept open All of a sudden transunion dropped me 89 points and put my creidt score poor XXXX reason? decrease in balance? i waited thinking it was an error but no it didnt resolve I called transunion om Monday 12 Spoke to supervisor I told him that their scoring system must have a glitch no way score would drop 89 points for lowering utilization First he said it was two old accts that were paid but had late pays and then said no because this data has been on my report doe five years and i have good credit that is taking over He then said i need to use my cards charge them that zeroing balance dropped score I said wait so lowering my utikization dropped my score 89 points? 
the other bureaus have same info and still in the 600s i need help i now lost the interest needed to buy home see my report and alerts
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I XXXX XXXX the consumer I am writing this statement and no other. I sent a dispute to Transunion using the FCRA 1681b not giving Transunion any consent to furnish or report anything on my consumer report. This is in reference to XXXX XXXX XXXX account They sent me a letter stating that this is from a 3rd party and it wasn't from me as the consumer. I am here to file a complaint against Transunion for non compliance. I have attached the letter sent to them on XX/XX/XXXX and received on XX/XX/XXXX tracking number XXXX I have attached what was sent to them and received.
Consumer complaint received 2021-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I was notified by my mortgage company that they did not receive payment for my loan. I pay automatically every month since inception. I have provided proof from my bank that it was paid and they still have not credited my account or fixed my credit score.
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I contested the following information included on the attached files with Experian and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. Experian has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
Consumer complaint received 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I borrowed auto loan through XXXX XXXX XXXX since XX/XX/2012. I have been using auto pay to pay my loan and assuming the auto pay will take care of the entire loan. I have never miss or late for any payments. Until I recently found out that my credit score has dropped 200 points and I have not received my car title. That was the first time I found out that I need to actually call XXXX to make that last payment. During these period, I did not received any remindering letter, email or phone calls as they promised on their website which I found out later. I immediately paid the remaining balance over the phone and wrote a letter to XXXX credit dispute to explain my situation and hope they can take off the negative impact on my credit score. Giving that I was not aware nor received any reminders regarding the last payment needed to be manually paid, XXXX insisted that they had sent out multiple letters, emails and phone calls which is not truth. I have been making multiple phone calls and letters to XXXX regarding my situation but they insisted it's not their fault or responsiblility to disput my credit score. 200+ credit score dropped is a big damage and please help me fix this.
Consumer complaint received 2020-11-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (MA)

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2022-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (MA)

I have a conventional mortgage with Cross Country Mortgage. XXXX services the mortgage. My mortgage payment jumped {$400.00} a month. Cross Country informed me it was because of increased property taxes. The city I live in assesses taxes twice a year. Cross Country has been ( over ) paying 4 times a year. I have spoken maybe half a dozen times now with Cross Country and XXXX and they are unable to tell me what they paid out of escrow and why. They assigned a " resolution specialist '' who promised to get me an answer by XX/XX/XXXX, but he has, as of XX/XX/XXXX, provided no response and is unreachable. Essentially, they are cutting checks from my escrow account for taxes that are not owed and can not account to me for what happened to the checks/money.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The purpose of this complaint is to have an unauthorized hard credit inquiry removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there is unauthorized inquiry listed. 
XXXX XX/XX/2023
Consumer complaint received 2019-06-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

On XX/XX/2019 I was notified by XXXX XXXX that a new collection was added to my account by Midwest Recovery Service for an debt to XXXX XXXX XXXX for {$72.00}. This is not mine and I am trying to repair my credit to buy a home. Ive disputed with no removal. I want this false debt removed from all credit bureaus.
Consumer complaint received 2019-07-31
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: I.Q. DATA INTERNATIONAL, INC. (TX)

I have contacted XXXX and XXXX  numerous times in last 2 yrs. about taking out fraudulent debt collection activity from my account. I have submitted police report and affidavits. It has been two years  and they keep telling me the are investigating. The investigation and it will be removed from my credit in 30 days. They keep coming back and stating IQ DATA INTERNATIONAL will not allow them to take my fraudulent debt out. I have contacted and submitted all of the above information twice via mail to IQ data. First time they stated they didn't get the mail so second time I mailed them a certified copy. I tried to call ID Data on XXXX and person XXXX, stated what I have submitted is not enough. I explained to her that I have submitted everything they have asked for. " She kept saying in LOUD voice, " it's not up to me SIR '', It's not up to me ''. I hung up and asked to speak to supervisor and left a message. " She was in a Meeting ''. No call back from her. I have already submitted complain against ID Data earlier. This complaint is against XXXX  and XXXX for failing to take out false information from my credit report for two yrs while acknowledging that they have everything they need from my end for submitting a fraudulent account information.
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have contacted XXXX and Experian numerous times in last 2 yrs. about taking out fraudulent debt collection activity from my account. I have submitted police report and affidavits. It has been two years and they keep telling me the are investigating. The investigation and it will be removed from my credit in 30 days. They keep coming back and stating XXXX XXXX XXXX will not allow them to take my fraudulent debt out. I have contacted and submitted all of the above information twice via mail to XXXX data. First time they stated they didn't get the mail so second time I mailed them a certified copy. I tried to call ID Data on XXXX and person XXXX, stated what I have submitted is not enough. I explained to her that I have submitted everything they have asked for. " She kept saying in LOUD voice, " it's not up to me SIR '', It's not up to me ''. I hung up and asked to speak to supervisor and left a message. " She was in a Meeting ''. No call back from her. I have already submitted complain against ID Data earlier. This complaint is against XXXX  and Experian for failing to take out false information from my credit report for two yrs while acknowledging that they have everything they need from my end for submitting a fraudulent account information.
Consumer complaint received 2021-03-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CO)

I started dealing with XXXX XXXX ( NMLS ID # XXXX ) in XXXX to apply for a 30 year fixed loan to refinance my current 30 year fixed loan to get a lower payment. 
After running my credit, etc., she offered a 30 year fixed loan with a rate of 2.375 % with a payment of $ XXXX/month. There was also cash back of {$520.00} to repay me for their loan application fee of {$500.00}. 
As you will see in the documents attached, the actual offer was nowhere near her stated offer. 
As a result, I have suffered material damage due to losing out on other competitive offers from companies like emortgage and others because I believed her offer to be valid. 
I've spoken with her several times regarding getting a firm offer with the terms she described, but have been unable to do so. I have multiple emails to this effect. 
Additionally, AmeriSave has requested the same documents numerous times after they were sent them previously.

Moreover, the AmeriSave website shows that no other documents or requirements need to be met and yet I have no firm offer still!
Consumer complaint received 2019-07-31
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Allegiance Accounting Services, LLC (CA)

I have been called and emailed several times by a collection company Allegiance Accounting Services an Outsourcing of Legal Service of XXXX XXXX County. A representative of this company XXXX XXXX stated, that I could be arrested for check fraud. The caller, stated that I had made 17 payments to XXXX XXXX and had stop paying for some reason. I stopped the caller and informed her that the debt is part of an active bankruptcy and she is violating the stay. She stated that it wasnt part of a bankruptcy and refused to take the case number. She stated that a process server would come to my house tomorrow at XXXX. Then hung-up. I have a voice message which she left on my phone and emails from various scams. I concern because they are in possession of many important aspects of my identity.
Consumer complaint received 2019-07-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (FL)

My car was recently Stolen and so I have no Car to go to work nor to drive for my personal needs. I contacted the bank for a extension or a payment to be pushed back, and after Never being late in any payments they said no, I asked them kindly because I literally have to rent a car until this issue of the car getting stolen gets resolved. the bank denied me any request but threatened to report to the credit bureau if I did not make any payment this month. I am disgusted of how I was treated with this bank.
Consumer complaint received 2016-01-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alorica Inc. (TX)

West Asset Management puts a collection on my credit report that does not belong to me. I called the number shown on my credit report which is XXXX. After waiting for awhile, someone picked up and told me they do not have my account. They told me to call this number XXXX. I called that number and waited for another while, someone picked up and said that account belongs to medical department and I need to call the medical dept. number XXXX. I then called the medical dept. and waited for awhile and someone picked up and told me that they already sent my account to some other company and I need to call them at XXXX. I called the other company with that number and they told me that they do not have my account. I need to call back West Asset Management at XXXX. Since I already contacted West Asset Management, I do n't know what else I can do in order to remove wrong collection on my credit report. 
The West Asset Management account number is : XXXX.
Consumer complaint received 2023-07-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

It was the whole problem how Great Lakes service loan provider, switched my loans to Nelnet and how things were handled. It was a security exchange act as well as indenture trustees information and would like for these to be discharge if not to be reported to FTC.