davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-12
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. (GA)

I have sent in letters to the credit bureaus over the last 6 months with a police report attached and I have yet to have the items that were not mine removed from my credit. I have sent in proof of address ( My paycheck stubs ), and my license and social security card. I am at a loss at this point because someone stole my identity and I have yet to have the things removed. 

My letters were sent in on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. Among several other letters that were sent prior to these. 

I have not even received a response from the credit bureaus.
Consumer complaint received 2023-01-31
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. (CA)

I am a natural human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy, and I do not give Equifax written permission to furnish these accounts Accounts 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
Consumer complaint received 2020-10-12
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. (GA)

I have sent in letters to the credit bureaus over the last 6 months with a police report attached and I have yet to have the items that were not mine removed from my credit. I have sent in proof of address ( My paycheck stubs ), and my license and social security card. I am at a loss at this point because someone stole my identity and I have yet to have the things removed. 

My letters were sent in on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. Among several other letters that were sent prior to these. 

I have not even received a response from the credit bureaus.
Consumer complaint received 2018-09-19
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. (TX)

I personally contacted all three credit bureaus ( EQUIFAX, XXXX AND XXXX ) starting in XX/XX/2018 regarding lots of excesive inquiries by auto dealerships and other collection accounts. I demanded by phone and in writing that all inquireries not associated with an active account be deleted/removed immediately from my report. I was told by each bureau that that would conduct their investigation and I would receive an updated report afterwards within 30 days. 

I received the reports in XX/XX/XXXX and XX/XX/2018, however no inquireries were deleted/removed from my report by all three bureaus. Their findings were for " permissible purposes by the creditors :. 

I called each month for four months and only XXXX has deleted inquireries and inaccuate account information from my file. While XXXX  and Equifax insist that their reports are accurate and constantly direct me to call the creditors or provide them with " WRITTEN AUTHORIZATION '' in order to remove/delete inquireries. I mailed written demands to all three credit bureaus. ( see attached ) Please find my fair warning notice and request for deletinon/removal of all negative information from my accounts. 

XXXX XXXX XX/XX/2018 XXXX Certified Mail Return Receipt # s : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-03
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. (GA)

I Have Called All Credit Bureaus Multiple Times And Sent In Letters Monthly Since XX/XX/2019 In Regards To Hard Inquiries Reporting. These Hard Inquiries Have Caused Me To Be At A Standstill With My Home-buying Process. I Have Also Reported That My XXXX Account Has Been Verified Over The Phone By XXXX As Accidentally Reported 30 Days Late. XXXX Removed Late Fee, But It Is Still Showing Up Late.
Consumer complaint received 2019-11-02
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. (NC)

In Q1 XXXX, I was informed that 'I ' defaulted on a private student loan taken out back in XXXX. The remaining balance was XXXX dollars. I paid the balance, but my credit report never reflected a paid-in-full status. I called the company multiple times, but they refuse to update the information. 

At the same time, they claimed I defaulted on another loan with a balance of about XXXX. This loan showed an origination date back in XXXX as well. The records they sent me indicated the loan was placed into deferment without my consent or knowledge when I went to XXXX  school in XXXX, and it was only after I graduated in XXXX that they approached me about the default status in Q1 XXXX. These documents also showed that they were not the real party of interest since they couldn't prove ownership after they purchased the loan from another originator. Yet, this item remains on my credit report after they closed the account with a collections/charge-off status, stopped reporting it, and sold it to another company that does not report this to the bureaus. The company refuses to remove the item. 

The company is XXXX. I've disputed this with Transunion and XXXX  multiple times, but they refuse to update the information.
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Bureau of Carbon County (CO)

Collection Center Inc of Wyoming took possession of a debt from XXXX XXXX XXXX  on XX/XX/2019 in the amount of {$6600.00} dollars. This account was approved for charity care and recalled by the original creditor with a XXXX dollar balance on XX/XX/2019. Collection center has verified they received this request from XXXX XXXX. 

A dispute was opened with XXXX  and Collection center inc. falsely verified the balance of {$6600.00} to be correct on  XX/XX/2019, when they had documented evidence the account was XXXX dollars and recalled on XX/XX/XXXX. This false information continues to negatively effect my credit score. 

As collection center inc has proof that this account was recalled on XX/XX/2019, I demand that this incorrect information is removed from my XXXX report immediately, or I will have no choice but to escalate to a higher authority.
Consumer complaint received 2018-09-19
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. (NY)

My loans were originated thru Sallie Mae which I never had a problem with once Navient took over my loans its been less than a nightmare. Their customer service is the worst every time you call different information is provided and they keep changing programs without any notification. I was in an income driven program with payments over {$200.00} which was a bit difficult for me and my interest rate changed from 1 % back to a higher rate then when I needed to recertified for the program they state that the requirements changed and the best they can do for me was a payment over {$400.00} which I explained was a bit much for me. Once I asked to speak to a supervisor, the supervisor then stated the best he can do is {$280.00} a month which I explained was too high and he stated there was nothing more that could be done. What is the point of taking a financial statement when they are not setting the payment based on a persons finances. Navient is not willing to help and it is making my experience to pay off my loans a living XXXX. I currently still have a loan with Sallie Mae and its no problems and they are always willing to help. 
Navient needs to be shut down before they ruining more lives financially!
Consumer complaint received 2018-09-19
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: CREDIT ACCEPTANCE CORPORATION (PA)

I have made arrangements through Credit Acceptance 's attorney to settle my account in full with a XXXX balance and the company refuses to report the information to the credit bureau accurately. 

Instead of reporting that the account is paid with a XXXX balance to all 3 bureaus. They only took off the XXXX settlement off the balance and continue to report that I am not making payments negatively effecting my credit score. 

I have emails from Credit Acceptance 's attorney as well as all other documentation that we agreed before payment was made. 

This has been an utter nightmare and I cant seem to get this 8 year old debt off of my credit report as well.
Consumer complaint received 2020-10-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (VA)

This account is in litigation. Santander exposed me to high levels of risks : a high loan to value ratio, backend fees, high payment to income rations so when the car was totaled the amount due was inflated. 

The initial amount borrowed was on XX/XX/XXXX for {$15000.00} at 27 % for 72 months. I paid {$12000.00} over a period of 3 years. XXXX paid {$7200.00}. XXXX which is a subsidiary of Santander paid {$2600.00}. A grand total of {$22000.00} was paid. They sent a letter for an additional {$310.00} a month for 41 more months. The car was totaled and if it was not for the high interest rate ( 27 % ) the car would have been paid off. I had full coverage and gap insurance. I settled with Santander XX/XX/XXXX for {$3300.00}. 

I have also been contacted by Virginia 's Attorney General about a class action lawsuit against Santander for deceptive practices by specifically targeting vulnerable Virginians who were more likely to default on their car loans, subjecting them to unnecessarily high-risk loans, and misleading them about their rights as consumers. I am one of those individuals those individuals whom were misled. Santander would not work with me.
Consumer complaint received 2018-09-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

A payment was made to XXXX XXXX on XX/XX/18 that they forwarded to Loancare on XX/XX/18 with the sale of our loan to loancare. This was not credited to my account until XX/XX/18. I paid Loancare on XX/XX/18 by phone. This payment was credited to my account, but for the previous month ; because, until XX/XX/18, they had not credited the previous payment from the previous bank ( XXXX Bank ) to my account. 

On XX/XX/XXXX, I sent an automatic payment from my bank in form of check to Loancare. They cashed it on XX/XX/18 and did NOT credit it to my account. 

My account shows 30 days past due and is reporting negatively to my credit record. 

My husband and I have been calling Loncare for nearly 3 weeks and they still will not credit our account or correct the negative reporting, despite proof of all payments being sent to them. 

They sent notice on XX/XX/18 threatening foreclosure on our home. 

I have sent every document that they have requested.
Consumer complaint received 2017-10-22
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lending Club Corp (GA)

I was late on payments and signed up for the hardship program in XXXX of this year. They still are still calling me from blocked numbers and different numbers from different states saying I need to resolve this issue. Tried talking again in XXXX, they kept transferring me to different departments. They call me 10 times a day, as a XXXX with XXXX XXXX issues this has trigger my XXXX. Please make them stop. XXXX XXXX is the name it is a tuition solutions account for when my son was attending XXXX XXXX XXXX for tutoring.
Consumer complaint received 2021-12-26
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: Four Directions Lending LLC (LA)

Hello, I am writing to investigate an email I received from a company called XXXX XXXX, stating that they denied my request I made for a loan with them, but I have never applied for a loan with this company ever. They also had an old address on the email that I had 11 years ago in Washington state. Is this a scam or has my credit report been accessed by this company without my consent? Please let me know if this company has really accessed my credit report. The company 's name is : XXXX XXXX, and they are based in XXXX, Wisconsin. I tried to call the number provided to inquire about this, but there was a strange recording that came on and I could not leave a message.
Consumer complaint received 2019-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AE)

On XX/XX/2019 I attempted to buy a flight ticket from a company called XXXX from XXXX to XXXX XXXX. The amount was approximately {$320.00}. When I viewed my Bank of America Checking account it showed a charge to a company called XXXX. Bank of America thought this was fraud so they blocked the payment. However, the money still came out. I knew this because of the balance total in my account before the removal was Approx. {$2000.00}. An adjustment was made to the account in the amount of {$320.00} however the balance never changed back from {$1600.00}. Instead, all of my transaction histories scaled back to show a different amount going back months. So now the {$320.00} just magically disappeared from my account. When I attempted to reach out to them I was put on hold for over an hour 5 times and every time I would get a representative they would evade my questions and then just eventually start telling me that there was nothing they could do and hang up on me. Not once was I able to even address the issue due to the way their customer service would treat the call. Not a single individual in 3 days was able to even begin to listen to my issue because they won't even go that far. It seems as if they are aware that they have done something with the account and now will do nothing to rectify it. Furthermore, they deleted all transaction history related to this situation. Not only did this mess up my trip because the tickets are no longer available but now I have to rebuy the tickets for {$500.00} and I lost the {$320.00}. I am United States Service member stationed overseas I should not have to deal with this type of behavior from an American corporation. Completely ridiculous!
Consumer complaint received 2023-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CO)

My mortgage company is holding 6 of my monthly payments in their Suspense Balance. I have paid my payments on time and always have, I also try to be at least one month ahead. 
So far I have not been charged any late fees but at the same time my payments have not been credited in timely manner. I can not help but think that this allows the mortgage company to collect interest and pad their pockets at my expense. 
Because of being scammed and hacked I had to file bankruptcy. My house is not included in the bankruptcy and the mortgage company refuses to talk with me to clear this up. They hide behind the bankruptcy excuse. 
Up until now Rocket Mortgage has been wonderful to work with, not anymore! 
I feel that I am being treated very unfairly. I am happy to provide documentation and explain in more detail what has been going on but based on the parameters stated above it would require much more detailed explanation.
Consumer complaint received 2019-11-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (NY)

The loan was taken out XX/XX/XXXX, in my XXXX XXXX says there is a balance of XXXX and also it says that the payment status is in collection/ charge off and that the last payment was made XXXX XXXX. The bank name is Santander Consumer USA.
Consumer complaint received 2022-04-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (TN)

I had my taxes sent to credit karma. I transferred all my funds to the savings account and didn realize I could only withdrawal 6 times a month. So I closed my savings account with credit karma on XX/XX/XXXX and was told I would receive a paper check in mail within 7-10 business days. It is now 15 days and still no check. On Sunday XX/XX/XXXX I was emailed and told my check was delivered after complaining and emailing asking for tracking number or where my check was. Now they are telling me that it was delivered and someone from the specialist team will contact me thru email because they don't have a phone line to communicate thru. That was 6 days ago. I have called every day since multiple times with different responses and them transferring my call back and forth between the same 2 representative. I have been recording our phone conversation for that purpose to prove it's the same 2-3 people I am talking to. Except they keep changing their names. I can also hear ppl laughing in background while on a business call about my funds which is very unprofessional and sketchy. I just want to know where my check is. It is XXXX dollars. And need that money.
Consumer complaint received 2017-08-11
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (OK)

Ocwen has claimed that it is passion of a claimed interest in the XXXX 's ( Petitoner ) property. Ocwen has falsely misled and used fraudulent actions to claim that they have and are in possession of an original note and mortgage but Ocwen 's records on numerous accounts have shown differently. Ocwen has fraudulently initiated foreclosure and debt collection proceedings falsely representing that it has the Original note and mortgage when Ocwen knew, should have known buy the account of its own records that it was not in possession of an original note or mortgage. XXXX/XXXX/XXXX - Ocwen records state - " collateral file reviewed the mortgage document is marked - Unofficial copy '' XXXX/XXXX/XXXX - Ocwen records state - " collateral file reviewed - no original docs are present. "
Consumer complaint received 2017-08-11
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. (IA)

I am a victim of identity theft. I filed a police report with the XXXX XXXX Police Department on XXXX/XXXX/XXXX regarding being a victim of identity theft and the fraudulent and unauthorized XXXX XXXX accounts and hard inquiries listed on my XXXX XXXX, Equifax and XXXX  credit Report. The police report case number is : XXXX, the following account or collection accounts do n't belong to me : XXXX XXXX XXXX XXXX, XXXX  XXXX, {$76.00}, XXXX XXXX for {$1400.00} and XXXX XXXX XXXX for {$26.00} and {$74.00}, the following hard inquiries are fraudulent and unauthorized : 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 been receiving harassing telephone calls and death threats from representatives from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX for a debt that 's fraudulent and do n't belong to me.
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (AZ)

I already received approval for Borrower 's Defense application pursuant to the Sweet v. Cardona lawsuit. Here is the problem : My loan was paid off through XXXX  XXXX XXXX. XXXX  XXXX XXXX went out of business and my loan was transferred to Nelnet. Nelnet has had my loan since XXXX of 2022 but refused to enter it into their system. I was told that the servicer is the one to notify the Department of Treasury so that the Department of Treasury can issue a refund. So, I guess Nelnet would be the ones to notify the Department of Treasury. Unfortunately, Nelnet is not entering paid loans in their system. Therefore, Nelnet does not know that I even exist. So if Nelnet does not even know that I exist, they will NEVER notify the Department of Treasury and I will NEVER get my refund. I have asked to speak to a supervisor numerous times but they never let me talk to one and a supervisor never calls me when I leave my number. I have sent numerous emails but all i get is an automated response that doesn't apply and it tells me I am not in their system- Duh! So I have absolutely no way to resolve this problem.
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (FL)

XXXX XXXX XXXX sold an old account to XXXX XXXX XXXX. I settled this debt in XXXX and they marked it as settled for a less amount and it was removed from my report. The same debt from XXXX XXXX XXXX has repeatedly shown back up on my credit report with different companies. The current company is called ENHANCED RECOVERY COMPANY. I have disputed this collections account so many times and they just sell it to a new company.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX credit card ending XXXX appeared as Fraudulent charges in amount of XXXX incurred and will absolutely NOT my responsibility for the account, i have reach out to the bank institution notify all the fraudulent activities. I have completely Paid in full all of my account to zero balance except for Fraudulent charges. Any charges arise out of fraudulent account will not be in my responsibility.