davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Due to financial hardship, I fell behind on my mortgage payments. I discussed my situation with my lender XXXX Bank of America XXXX in XXXX of 2015. I submitted the XXXX for Mortgage Assistance in XXXX, including all requested documentation only to be asked to submit the same paperwork over and over again. During the phone conversations, Bank of America, appeared to give me the run around and they informed me that the service on my loan was being sold on XXXX XXXX, 2015. I was also told that all paperwork would be sent with the loan documentation. I did not receive anything in writing about who will be servicing the loan. According to a letter I received on XXXX XXXX, 2015, from my understanding the service company assigned to my account is XXXX which is an agent of XXXX XXXX. I informed XXXX XXXX XXXX that I had completed paperwork for Mortgage Assistance, but they told me that there was no paperwork of that nature on file. Bank of America did not process the paperwork as they led me to believe. I requested the forms for Mortgage Assistance from XXXX XXXX XXXX, but I am yet to receive the paperwork. In short, the agent for my loan as well as Bank of America have not provided proper support for my repeated requests.
Consumer complaint received 2022-09-06
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MI)

I was call from Navient about my wifes student loans. I have nothing to do with her loans. Im not on their information at all and they called me asking about my wife. I feel violated that they called me instead of trying to reach my wife. Its so disrespectful and violated. I was angry about the whole thing because a line was crossed.
Consumer complaint received 2020-09-01
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 (MA)

I pay off my charges every month. Not even close to my credit limit and just received notice from Capital One that my credit limit was decreased by 50 %. I have worked very hard to keep my credit score high. They are not making money on me so decreased my line of credit. My credit takes a hit now. This is absolutely ridiculous.
Consumer complaint received 2016-09-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Today Trans Union declined to issue my credit report to XXXX XXXX per my request. I contacted Trans Union and spoke with XXXX XXXX, XXXX XXXX & XXXX XXXX who asked me for a pin because my account was on a credit freeze. I explained that the credit freeze was lift XX/XX/2015 with XXXX and that I previously filed Case number : XXXX with your agency to get the freeze removed. After asking a couple of questions, they said XXXX of the XXXX were wrong and continued to deny me my right to remove a credit freeze that was previously lifted at some considerable anguish previously. They also refuse to give me a contact number for the person in charge in the United States, since they were all based out of the country.
Consumer complaint received 2021-05-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (CO)

I my additional payment of {$250.00} made on XX/XX/2021 shows to have been reversed on the ledger, however, it hasn't been retroactively back dated to the proper balance or daily interest rate I should be charged since XX/XX/2021. I've submitted my snap shots from XX/XX/2021 and this morning XX/XX/2021. 
The lack of integrity is astonishing.
Consumer complaint received 2017-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OH)

I recently completed a Chapter XXXX Bankruptcy and paid my mortgage and arrears through my Chapter XXXX Plan. My Trustee filed a notice of mortgage cure and has given me payment records that indicate my principal balance should be significantly lower. My loan started with XXXX XXXX XXXX and was then transferred to Greentree and now is with Ditech. No one seems to be able to give me a complete account history so that I can have a XXXX audit my loan file from its inception which is XXXX of 2001.
Consumer complaint received 2016-11-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: International Computer Systems, Inc. (TN)

On XX/XX/XXXX, I provided First Collection with a certified letter requesting validation of debt. They removed the collection account from my credit report on XX/XX/XXXX. On XX/XX/XXXX, First Collection reported the account again on my credit report. This has continued since XX/XX/XXXX, First Collection removing the account and re-adding the account without validation.
Consumer complaint received 2015-04-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (CA)

The loan company, Navient, is lying about their Internship/Fellowship Deferment program. They did not want to accept my deferment paper because their lack of understanding on how my internship deals with my career. Frankly, it seems like they do not want to accept my deferment because they are money-hungry. However, this internship helps me get the type of job I need in order to pay them back. Navient does not want to give a clear-cut reason on why they do not want to accept my internship deferment.
Consumer complaint received 2021-06-04
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: Experian Information Solutions Inc. (CA)

There are two accounts on my credit report that do not belong to me they are not my accounts!!!!! I have opened an FTC I have emailed, mailed and made numerous phone calls to all the bureaus and the furnishers and they keep saying we will look into this or opena dispute yet nothing is being done I need help to resolve this why are the credit bureaus reporting incorrect information!!!! 

XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX XXXX {$34000.00} XXXX XXXX  XXXX - Acct # XXXX XXXX {$0.00} INQUIRIES Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2015-04-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Finance of America Mortgage LLC (CA)

Refinanced mortgage with eRates Mortgage ( no prior refinance experience ). The refinance was supposed to be a no-cost loan. Was led to believe by the broker that the lender credit does not have to be on the HUD and will be taken care of separately. As a result a lender credit of XXXX {$2000.00} was not applied to the transaction.
Consumer complaint received 2016-09-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

Equifax is violating federal law and refusing to remove fraudulent accounts from my credit profile. I am a victim of identity theft and unknown person has used my information to obtain credit. Equifax has my identity theft report from local law enforcement. I have requested a freeze on my Equifax credit file and that was denied as well. The fraudulent accounts are with XXXX XXXX XXXX XXXX and XXXX XXXX. I have never had an association with these XXXX companies or applied for products with them. It is unlawful to hold me accountable for accounts that I did not create, apply for, or give anyone else permission to apply for.
Consumer complaint received 2015-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TN)

I am in the process of trying to Refinance my home. We noticed on our Credit Report that XXXX XXXX XXXX is reporting my mortgage information to the Credit Bureaus XXXX. 
The same loan number and delinquency dates except one has home listed as a Manufactured Home which is in error and the current listing is correct as a Single Family Home. The error was corrected by XXXX but Equifax and XXXX still show it as Mfg Home and as if I have XXXX mortgages, then all XXXX show it correctly. The XXXX listing on XXXX and Equifax is affecting my credit score and ability to Re Finance as it appears that I had XXXX Mortgages concurrently with same delinquency dates. The Re finance company stated that the Credit Bureaus could not resolve the issue without letter from XXXX, I contacted XXXX and they said it would take 30 business days to research it before they could give an answer or resolve it. This is unacceptable as it was their error to begin with. How come XXXX picked it up and is reporting it correctly along with XXXX and Equifax but XXXX and Equifax still report it in error? Seems XXXX and Credit Bureaus are just pointing fingers at each other. Note : The Credit Bureau report begins on page XXXX of the attached pdf file. Discard pages XXXX - XXXX please.
Consumer complaint received 2015-06-30
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: MARINER FINANCE, LLC (NJ)

hello my name is XXXX i bought a car from a buy here pay here dealership. they sold me a used car with many mechanical problems. without me even knowing they sold my account to another financial loan company. This company has made my life XXXX literally from the moment i started receiving bills in the mail i was in shock i didnt know who they were. so when my vehicle started giving me major problems after making {$280.00} payment i called the company and told her i didnt want the car no more that i wanted to surrender it even though i knew it was going to hurt my credit. the lady said i couldnt that i knew it was used and that i was still responsible for the account basically she didnt care about my opinion or my feelings as a customer, or about my situation. i paid a mechanic to fix it and within a few weeks again it breaks down on me. this was really bothering me i couldnt pay insurance, pay car payments and pay repairs on top of all my extra bills. i called the lady again and explained to her again i wanted to surrender my vehicle. i couldnt afford paying all this money for something that was going to keep breaking down on me. she said no. she said if i would do that that the towing truck costs was going to be added to my account. and that the vehicle was probably going to be auctioned for {$500.00}. so basically this {$3200.00} car was being given away for free. i had tears after i hanged up with her. how can they make you keep making payments when you are telling them you do not want it anymore. i stopped making payments. i took insurance, and plates off. the vehicle was parked for over a month without being used. they kept calling and calling me threatening me with wage garnishments, taking me to court if i wouldnt make a payment. i told them please wait, please be patient with me, and to please just come and get the car. the lady insisted i sell the car. and then they would deside if they would give buyer the title. this has made me so stressed out. i feel scared of answering the phone. im scared to go to court. i cant believe theres companies out there who give XXXX cents for their customers. its hard making payments on time especially when im a mom of XXXX children. i want to sue these people. file a complaint XXXX for threatening me and doing things that they said they were going to do and didnt do. i feel this shouldnt happen to anyone ever. please help. please help!!!!!!! yesterday XXXX my car was towed away for not having insurance or plates. on top of this i have received many many calls from the company today they dont care about anything or anybody. they even hanged up on me. i dont want to keep dealing with these rude ignorant women. they should be the ones paying the towing truck company for not listening to me. for not putting their customers needs XXXX before theirs. us as customers are the reason why they have a job and a paycheck. please help ... i want to get this to the highest level there is. i want a judge to listen to me.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My student loans from the servicer XXXX XXXX was transferred to XXXX as the new servicer, and instead of this showing as an existing ( 10 year old ) account it is showing as a new account which severely imparted my credit score.
Consumer complaint received 2016-08-23
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Sir Finance Corp (IL)

I fulfilled the agreement to repay loan in XXXX equal payments totaling XXXX. This was a payroll deduction agreement. Sir Finance continued to deduct payments for XXXX XXXX XXXX XXXX more pay periods after the obligation was fulfilled totaling {$460.00}. I contacted Sir Finance after noticing the error on XXXX/XXXX/16. I was assured they noticed the error and the refund check was mailed out on XXXX/XXXX/16. I followed up on Friday XXXX/XXXX/16 and was told to give it a few more days, but asked for my mailing address. This leads me to believe Sir Finance had no intention of refunding the overpayment difference and had I not pointed this out, never would have mentioned it. I paid XXXX in interest on a loan at 95.25 % interest. For them to steal another {$460.00} is unacceptable. I simply want what was overpaid to them or in all fairness pay me the same rate for using my money.
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed multiple inquiries on my credit report with Transunion. Transunion advices that they will not dispute inquiries. This is a violation of the FCRA by furnishing inaccurate information regarding my credit file to potential creditors.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2023-04-14
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. (SC)

I have tried to resolve this issue and still haven't been resolved. 
My rights are still being violated according to FCRA 15 U.S code 1681 Findings and statement of purpose 15 U.S code 6801 Protection of nonpublic personal information 15 U.S code 6802 Obligations with Respect to disclosure -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have refused to pay the debt on any of these collection accounts and in pursuant to 15 USC 1692 ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. Also, in pursuant to 15 USC 1692 ( g ) only the original creditor can validate a debt and that is me. The companies who have violated these consumer laws are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE AUTO
Consumer complaint received 2020-10-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MA)

Hi XXXX / how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2021-05-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (CA)

On or about XX/XX/2021 Velocity Investments LLC/ Velocity Portfolio Group contacted me via dunning letter attempting to collect a debt, by assuming I owe a debt to Velocity Investments LLC/ Velocity Portfolio Group ( Exhibit A attached ). On XX/XX/2021 I mailed a letter request that they validated the debt ( Exhibit B attached ). On or around the last week of XX/XX/2021 I received a package from XXXX XXXX, XXXX with countless document associated with my credit file/report which I never gave them authorization to obtain. XXXX XXXX XXXX is in Violation 15 USC 1681q, 15 USC 1611 ( 1 ), 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692c, 15 USC 1692c ( 1 ), 15 USC 1692c ( 3 ), 15 USC 1692d ( 2 ), 15 USC 1692e ( 14 ), 15 USC 1692f ( 1 ), 15 USC 1692g and 15 USC 1692j ( a ).
Consumer complaint received 2016-01-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ballybunion Enterprises, Inc (NC)

Freedom Furniture and Electronics closed all of it 's stores. I had XXXX line of credit with this company and when I added a computer and refinanced, they reported XXXX separate accounts for me to credit bureaus. They agreed over email and the phone to remove the 60 day late reporting in XXXX and XXXX of 2015 and they have not.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been a victim of Transunion Inquiry Issue and customer service would not help and take care of the negative inquiries reporting on my credit report. Please remove XXXX, XXXX, XXXX, XXXX, XXXX, XXXX., XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, & XXXX.
Consumer complaint received 2024-02-08
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. (TX)

I urgently request the removal of this inaccurate late payment from my account. I've always made payments on time, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.