davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Services Collections, Inc (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Account Services Collections. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and still there were no updates to reflect that account was being disputed and no validation was received therefore I sent a dispute direct to all 3 credit bureaus. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct.
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (GA)

I need to talk with a HUMAN at Equifax. 
I have a freeze on my credit report with Equifax, which I am very grateful for. But, I am trying to get pre-approval for a home loan. I just need a temporary release of the information for the company to check it. I can not access the Equifax system because I do not have my pin number ( papers lost in a home fire ). The phone numbers I find on-line take me back to automated system with no option to get the pin nor to talk to a representative. The numbers I obtained from on-line, and CFPB either were no longer in service or were also automated. My complaint is Equifax is not user friendly. I need to talk to a human at Equifax to get help in reestablishing my pin so I can get the freeze temporarily lifted. There is NO problem with the other XXXX Credit Reporting systems. The necessary information was retrieved from them and I could have gotten the pre-approval in a timely manner except for Equifax.
Consumer complaint received 2016-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IL)

I started paying my loans to XXXX XXXX XXXX after graduating XXXX. They had all my loans private and federal. I paid consistently what my salaries would allow. I had several jobs on & off through the great recession. I lost my last job XXXX and payments got behind, so XXXX of XXXX I called XXXX XXXX and was told Navient had my loans. Talking to Navient I set up a payment plan I could afford while bar tending part time. When I spoke to them, I asked repeatedly if this is ALL my loans and he reassured me it was. I had it set up as autopay that was fine until XXXX XXXX when they stopped taking it out. Today I got a letter from Pioneer Credit recovery that says I am in default and XXXX XXXX XXXX has my loan and I have not made a payment since XXXX. Who is XXXX and when did they get my loans? I called Pioneer and they want to put me in a rehabilitation. What? Why has Navient not been paying all that they told me they were. So before I set that up, I wanted to do some searching. I called the government Loan Locator # XXXX XXXX XXXX. XXXX tells me I have XXXX loans all at NAvient. She gives me XXXX XXXX number XXXX XXXX and I call but it is NAvient - talked to XXXX and she says that my account is XXXX loans and all are current. After tallking to her she gives me XXXX XXXX # XXXX XXXX XXXX. I call and talked to XXXX who works for Navient but speaks for XXXX XXXX!! She tells me that XXXX loan was paid for by XXXX because it was in default and that I only have XXXX loan with XXXX. Navient website says XXXX were picked up by XXXX XXXX. She is going to mail me a letter stating that. Now I am on my XXXX phone call and each one has a different answer. And NONE of them can tell me why all my loans where not paid on when I repeatedly asked back in XXXX of XXXX if all were covered. As they can see by my payment history starting the year I graduated I tried to pay what I could depending on my work at the time - during the worse recession that we all were trying to get through. This collections agency 's letter says there is a {$1100.00} " Collect Charge ''! Is this the way XXXX and Navient are making money? Especially since they seem to be the same company ... Back in XXXX XXXX, were they paying their employees bonuses on how much they could send to default, so they give false information? I feel the man I talked to had to out & out LIE because he said over and over all your loans are covered, " Federal & private ''. And now one year later the automatic payments stop, another way to collect late fees? If they see I am consistently paying on XXXX of the loans - would n't that raise a red flag that some one there dropped the ball - why all were not taken care of with that call? Why would I choose to pay only part of what I owe especially since I initiated the calls. Now that my credit will be impacted and my late fees and collect charges add to my loan balance, it seems like a never ending cycle. What recourse do I have? Thank You
Consumer complaint received 2022-02-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I sent letters to the Equifax Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} WXXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX  XXXX XXXX Balance : {$180.00} XXXX XXXXXXXX XXXX Balance : {$58.00} XXXX XXXX Balance : {$0.00} XXXX XXXX NA Date of inquiry XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXD Date of inquiry XX/XX/XXXX
Consumer complaint received 2016-07-22
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (VA)

1. Accounting practices at Roundpoint MTG are unbelieveable 2. The accounting has described my Storm water tax as a : MUD/Utility Tax Disbursement b : Ground Rent Disbursement. They keep on changing this in their accounting system 3. They have successfully sent the payments in once before to the tax department without problems, however this time then sent my payment to the tax department with some other XXXX and loan info and incorrect address to the tax department. The Tax department by law could not accept the payment as they had all the wrong information associated with the payment. 
4. I called the Roundpoint Mortgage to advise of this and the Customer Service rep said she would put a note into my account and it would take 3 to 5 days to resolve this. I gave them 6 days and called this morning only to find out from the Customer Service person, that they tried to call the Tax department on XXXX XXXX 2016, and the phone was disconnected. I called the Tax department before I called Roundpoint Mortgage ( they still have not received my tax payment ) and the number was working just fine. 
The Customer service person said that he could not find the phone number to the Tax Department, and I explained that the Tax Department sent you the same Notice that they sent me, and the Phone number is printed on the front of the notice very clearly. I then gave him the phone number. He said he would make a note of this in my account. 
... 
So now, my taxes are delinquent because Roundpoint Mortgage sent my money to the tax dept with the wrong info. I have called twice to Roundpoint Mortgage and they say that they are going to handle this, which apparently they are not and Customer Service reps keep telling me that they will make a note into my account. While this goes on, I am being charged interest on my taxes daily until they are paid. 
This mortgage company is supposed to be paying my taxes through my escrow account, which seems they ca n't even do this correctly. 
I have attached emails from the Tax Department, my Tax notice and a screen shot of the activity on my mortgage where you will see the lousy accounting. 
I have bought and sold XXXX houses in my life and this is the worst mortgage servicer I have ever dealt with. 
PLEASE HELP! 
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX
Consumer complaint received 2015-07-30
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

I have a auto lease with Chrysler Capital for a XXXX which I wanted to terminate early and we agreed to a payoff of the vehicle however I have attempted XXXX ( XX/XX/XXXX and XXXX 2015 ) to return the vehicle to XXXX Chrysler Jeep and they will not take the car back nor will Chrysler send me a statement to payoff statement and bill but all they keep doing is sending me statements for the regular payment and are assessing late payment fees incorrectly XXXX/month In addition they have reported this as delinquent on my credit reports. The car is no longer insured and has been sitting in front of my house for the last XXXX months since my last communication with Chrysler Capital was that they needed to come and pick up the car as I was not going to attempt another return.
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THIS ORGANIZATION REPORTED LATE PAYMENTS ON XXXX AND XX/XX/2021 ON MY CONSUMER REPORT. THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING LATE PAYMENTS AGAINST MY CONSUMER REPORT. 

REPORTING LATE PAYMENTS CONSTITUTES TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS SUPPOSED TO BE EXCLUDED FROM MY CONSUMER REPORT.

THIS ORGANIZATION ALSO HAD NO PERMISSIBLE PURPOSE TO FURNISH LATE PAYMENTS ON MY CREDIT REPORT BECAUSE I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT PER 15 USC 1681b ( a ) ( 2 ).
Consumer complaint received 2016-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (GA)

I am unable to dispute existing collection accounts on my Equifax credit report because they have an incorrect name on my credit report, I had no success contacting them by phone and I do not feel comfortable faxing my information over to a company that will not take the appropriate steps to verify a persons real information before applying it to their credit report, effecting their lively hood. They are providing an inaccurate report which continues to negatively effect my employment opportunities, living opportunities, as well as my health as this has become a major stress added to my life.
Consumer complaint received 2016-03-07
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TX)

In 2012 I went to XXXX of XXXX XXXX Georgia. At the time I had {$2000.00} to get a used vehicle. When I went into XXXX I advised what I was looking for because I was in bankruptcy. The sales man said I could get a new car with that amount of downpayment and they had authorization from the bankruptcy court. I spoke with the female sales manager and she reiterated the same. After talking to my bankruptcy attorney I was advised that was not the case and the court would not approve that amount. I called XXXX but they advised there was nothing they could do the loan was through santander. I called santander and advised I had to turn the car in. I did not have a choice the loan was not approved through the bankruptcy courts. Recently I pulled my credit and Santander has the loan in accurately reported on my credit file and also also it to another company. So it is reported as XXXX collection/delinquent accounts. This should not be on my credit file because the loan should have never been given especially under false information. It was evident I was in open bankruptcy.
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: ENCORE CAPITAL GROUP INC. (VA)

Midland Funding is reporting an account that was closed in XX/XX/XXXX by XXXX as a Opening date of XX/XX/XXXX and XX/XX/XXXX, which means that this debt will remain on my credit for until XX/XX/XXXX b/c it reflects the account being 1yr and 1 mo old. This is a incorrect date b/c XXXX closed it in XX/XX/XXXX and it should start from that date. I disputed this account thinking that someone stole my information b/c of the dates that were reported as being " opened ''. When I called XXXX XXXX they were unable to find these accounts by my ssn. After doing some digging in their systems they confirmed that it was sold to Midland but it should not show up as a opening date of XX/XX/XXXX and XX/XX/XXXX. The lady submitted a dispute with their credit department to have it removed. After doing my investigation midland is re-ageing this account and which they cant do that by law. I called Midland and the rep stated that the date of XX/XX/XXXX and XX/XX/XXXX should not be showing as an opening date on my credit and it should be converted back to the date in which it was closed by XXXX. I explained to her and read what was on my credit report. She said she would document the account b/c its already in a dispute status b/c this is the 2nd time I am disputing this.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I asked the the bureau for a full verification of all information on all accounts and they did and I found inaccuracies from my name to fraudulent accounts .according to 15 U.S.C 1681 I all false information should be removed
Consumer complaint received 2022-09-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

Delete Late payments from Santander from XX/XX/2022, XX/XX/2022, XX/XX/2022 your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Consumer complaint received 2022-02-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OK)

I have twice completed paper work for COVID relief assistance, wherein Wells Fargo had allowed me to miss payments as we struggled due to loss of income due to the pandemic. When we were able to resume payments, I completed paperwork for FHA second mortgage for the amount of the missed payments, only to find out over a month later when I called that XXXX did receive my paperwork, but I missed a mailing deadline. I then completed the paperwork again, for XXXX to add to my existing mortgage, and mailed in the paperwork. I called the company and they confirmed that they received the paperwork XX/XX/XXXX and no additional paperwork was needed. Inthen checked the XXXX site weekly to see when my payment status would be updated. In XXXX ( 3months later ) I received a letter from wells fargo stating I'd been removed from the relief program and my loan may be sold. Remember, they previously confirmed receipt in XXXX. They also sent a check for funds I had paid because it wasn't a complete payment. 

It's ridiculous that I have completed the required paperwork twice, confirmed with them that they recieved said paperwork, and now my credit is being ruined and I may lose my home.
Consumer complaint received 2022-09-05
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: WELLS FARGO & COMPANY (CA)

To whom it may concern, My personal financial information was utilized without my permission or knowledge to obtain credit, items, or services on the above-mentioned account. Please release me from this debt and alert credit bureaus and collection agencies. Please consider this.
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

This claim is a continuation of claim XXXX which was closed without resolution. 
I have had a XXXX  credit card with XXXX XXXX XXXX since XXXX, with a credit limit of {$16000.00}. I have had no problems with the account until the transition from XXXX XXXX XXXX to Comenity Bank in the first week of XXXX. I made two payments to my act in the amount of {$5000.00} each, one from my XXXX XXXX Account on XX/XX/XXXX and another {$5000.00} payment from my XXXX XXXX  Account on XX/XX/XXXX. The latter payment was never credited to my account, and remains so to this day. I have submitted proof of payment provided by XXXX XXXX, who volunteered to doi a conference call to sort this out. XXXX XXXX  was told that Comenity would not allow third party involvement, though this is the bank that made the payment. 
Furthermore, I was assured at the beginning that the disputed balance, interest and fees would not be reflected on my statement until after resolution. In spite of this the ( paid ) balance, interest and fees on same, have shown continually on my statements. This behaviour by Comenity Bank has harmed my credit rating and good name. This has caused me to lose much sleep as well as having no credit card to use. I never activated the card as I do not trust Comenity Bank. 
I have no debts at all ; vehicles and properties are all paid for. My debts to XXXX XXXX XXXX and Comenity are all paid off as well. I owe zero, the same can not be said for Comenity Bank. This should have been a simple ledger correction, yet Comenity Banks failure to address this in a timely and competent fashion finds me in continued financial and emotional distress.
Consumer complaint received 2022-02-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-28
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: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting Act XXXX Accounts listed below, have violated my rights. 

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.

Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

I have requested the terms of my original promissory note to be provided and Navient has refused to provide the documents corresponding to my original promissory note. I have requested a payment reduction. After being told I qualify for a different repayment plan and going through the efforts to provide detailed financial information, I was then told by Navient that I do not qualify for any payment reduction despite experiencing a financial hardship. They have refused to extend an extended repayment plan or an income-based re-payment plan. I am still in school completing a XXXX and they have refused to allow me an in-school deferment. Finally, I have requested the process by which I can apply for a reduction in interest rate or refinance given my now existing excellent credit. They refuse to give me any information about how I go about requesting a rate reduction. First I am told that I can apply. Then, I am told that I do not qualify yet they can not tell me the criteria by which one qualifies. I have also requested a release of co-signer and they refuse to provide that information.