davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-19
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NY)

I have been in forbearance since XX/XX/2017. I was applying for the income based payment program. The monthly payment was {$890.00}. I could not afford to make that payment on a monthly basis. I am the only one in the house that works. My wife lost her job last year in XX/XX/2017. So I was looking for alternatives that could reduce my monthly payments, at least until she finds a job. 

In late XX/XX/2017, NAVIENT had considered my student loan 90 days late and reported to the credit bureau. How can you be in forbearance and expected to make a loan payment of {$890.00}? This inaccurate information destroyed my credit. I would have not left the loan unattended at all. I have been in constant contact with NAVIENT regarding my loan. NAVIENT agreed to grant me a forbearance and then reported that the loan was 90 days late.Even though the NAVIENT website shows that the loan is current and up to date, it is still marked late on the credit report. So I expect them to honor the agreement rectify the error EFFECTIVE IMMEDIATELY! By removing the 90 days late status.
Consumer complaint received 2020-07-16
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. (FL)

XXXX falsely reported a negative account to my credit report. This was immediately corrected by XXXX way back in XXXX. My score dropped over 50 points when XXXX did this. My score did not go back up to where it was when XXXX rectified their error. I have been trying to get Equifax to at the very least acknowledge their mistake. All they do is tell me that I was sent the completed report. Thanks for that. I did receive it. The real problem is that Equifax screwed up my score, and now they just stick their heads in the sand and refuse to correct their blatant error.
Consumer complaint received 2020-05-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On " XX/XX/2020 '' my credit score went down 18 points because of supposedly my credit card was " 30 days late for the month of XX/XX/2020 ''. First of all, we're only 9 days into the month of XXXX of 2020 ... so how can I be 30 days late??? Second of all, I called the credit union and they said they NEVER reported this to the credit bureaus. XXXX   stated the credit union reported this late and that my dispute will take up to 30 days to get fixed. WHY DID THIS ERROR OCCUR? AND WHY DO I HAVE TO WAIT FOR SOMETHING TO BE CORRECT THAT'S CLEARY AN ERROR ON THEIR PART? My account is not late! My account even has a XXXX  balance! And .... now I have to fight with 3 credit bureaus to fix this error. This is horrible!!!! No one is acknowledging their error, the credit union said they NEVER reported this, and the credit agency said the same thing but I have to wait. The credit bureaus are all lying, not reporting accurate information, and also sell our information. I'm a Veteran dealing with this XXXX!
Consumer complaint received 2022-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (PA)

XX/XX/2022 Talked to 3 different associates of this company they had my name wrong address wrong as well as email and phone number wrong they asked if i ever had XXXX XXXX XXXX XXXX I explained I didnt I asked for a validation letter and proof that they own or they have been assigned this debt waiting on email as well as follow up letter the amount owed was in the amount of {$3500.00}
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.
Consumer complaint received 2018-06-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BB&T CORPORATION (NC)

I purchased an XXXX XXXX XXXX ( VIN # XXXX ) from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX, on XX/XX/XXXX. The car was financed for approximately {$26000.00} by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX VA, XXXX, Phone : XXXX. The monthly payment for the car is {$600.00}. Currently, the amount due on the car is {$1500.00}. The car payment became behind effective XX/XX/XXXX. The car was repossessed by XXXX XXXX XXXX without warning or compromise on XX/XX/XXXX. I contacted the contact several times on XX/XX/XXXX to make financial arrangements to retrieve the vehicle. I was informed that {$2500.00} in order to retrieve the vehicle. I asked what was included in the {$2500.00} and I was informed that the past due amount of {$1400.00} ; late charges of {$60.00} ; and {$540.00} for the repossession fee. There is a {$490.00} from the total amount they gave me ( {$540.00} ) and the various fees. I was never told where the additional fees were coming from nor was I granted the opportunity to even pay the amount in order to retrieve the vehicle because I had someone else driving my car at the time the car was repossessed. I have been contacting XXXX XXXX XXXX every day since XX/XX/XXXX without resolution. I was informed on Monday, XX/XX/XXXX, that my request for retrieval was denied because someone else was driving the car when it was repossessed. Then I contacted the company on XX/XX/XXXX about making arrangements for the person to retrieve their belongings, I am told that I will be emailed a form for me to submit and it has to be approved. The financing is holding the belongings of the car hostage! Every time, I contact them I am transferred to several people and always end up with they are in meeting. Someone will call you back which no one never does. I went online to XXXX ( XXXX XXXX XXXX ) and found that the company has over 200 complaints against them regarding their predatory practices. I would like this company investigative in-depth and either the vehicle returned or any negative reporting on my credit reports regarding the purchase of this vehicle removed.
Consumer complaint received 2018-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CT)

Chase credit card has charged me a fee as well as additional interest over the base interest without informing me of getting my consent. this purchase was not a cash advance but they changed the definition without informing me and refuse to repeal the charges.
Consumer complaint received 2018-03-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: RFNA, LP (SC)

I was a victim of identity theft. My brother took out a personal loan using my social security number but his name, his ID, his work information, and his own personal address. I have contacted this company multiple times. I have offered to provide them with my ID, my proof of residence, and my work history. I was told they would get back to me. This process began in XX/XX/2017 when I first found out and it is still not settled. I want to respect the process however, my wife and I are in the process of buying a house and " we are waiting to hear back '' from a personal loan company is not what a lender wants to hear when they are trying to extend to us a couple XXXX XXXX dollars but can't because of an account like this. It is clear that my social security and his name are not a match. I need this removed and off my credit report ASAP.
Consumer complaint received 2019-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: KEYCORP (TN)

I wrote a check on XX/XX/XXXX, to an individual, to rent a vacation property in XXXX for a week. The check was a deposit on the rental of the property for {$300.00}. Shortly after mailing the check, I cancelled the reservation and was told there would be no charge. The check cleared my bank account on XX/XX/XXXX, eight years and 11 months later. 
I contacted my bank and they told me the check was stale but not invalid and that I needed to talk to the payee to resolve the issue. In trying to find the payee I discovered that she passed away in XX/XX/XXXX. I am sure the endorsement on the check is fraudulent. It has the payees name and then states pay to the order of her son. 
This, now a third party check that is almost nine years old, was cashed by Key Bank.
Consumer complaint received 2018-02-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Global Credit & Collection Corporation (AZ)

I have received multiple threatening phone calls from Global Collection Agency. The first one said that they are a law office and a civil grievance has been placed against me and if i do not respond immediately then i will be taken sued.Then I had another call come in saying they are going to place an order of location with XXXX XXXX and contact my employer over voicemail. I called back the number the person " XXXX XXXX left ''. The lady just answers as " legal department '' and I asked more information about company and the lady was very rude. No one told me why i am supposedly being sued, I didn't give out any of my personal information because i felt like this was a scam. I asked which state and county she represented for my " case '' and she said all states and counties. I searched with my county the case number they gave me and i told them it was fake and that this was a scam and to do not contact me again. She said " whatever lady we will see you in court '' and then hung up phone.
Consumer complaint received 2018-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc. (TX)

XXXX XXXX XXXX for the last 2 yrs has tried to collect on a debt that has been written off and should nolonger be on my credit report. The original debt was a car loan through Santander Consumer USA. This was written off in XXXX and and should have been removed from my credit report in XXXX. At that time XXXX purchased the account, listed it as a open account and says that there is a balance of {$4800.00}.
Consumer complaint received 2020-09-11
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: AES/PHEAA (LA)

They are reporting a 90 day late payment for XX/XX/2020 when I paid on time in XX/XX/2020. How can I pay on time in XX/XX/2020, and then become 90 days late for XX/XX/2020? From my understanding, I would have to have been 3 months late to receive a 90 day late on my credit report.
Consumer complaint received 2018-02-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Grant & Weber (TX)

Overdraft fee with XXXX XXXX XXXX XXXX was contested and evidence/proof given to XXXX   showing that the overdraft was not founded. 

A debt collection agency contacted me about the amount owed. I offered to pay the balance minus the unfounded overdraft fee and was denied, with the threat that the balance would remain, with a credit damaging result.
Consumer complaint received 2016-02-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (CO)

I signed up for a Discover credit card last year, and shortly after received an offer in the mail for a {$300.00} checking promotion ( please note that this came to me at my address and no one else has lived here in over seven years ). I filled out the application XX/XX/XXXX, was granted the account, and fulfilled all other terms required to meet the promotion. I realized that I never received the promotional money while filling out taxes this year and contacted Discover, only to hear that I was n't eligible for the promotion because I was n't 'targeted. ' No one can explain why I got a letter when I was n't one of these targeted people, not to mention that getting a credit card is a pretty obvious trigger for targeting for other business. At this point I ca n't produce the original letter since I clean my house more than once every four months and ( clearly stupidly ) assumed that a company which claims to be ranked very high in customer satisfaction would actually meet their commitments so I did n't scan everything, but at the very least the information needs to be out that that Discover is sending promotions to potential customers and then declaring them ineligible even after the customers fulfill their side of the deal.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I found an issue in my consumer report regarding my credit account with XXXX XXXX XXXX ( Account XXXX : XXXX ). There's an unexpected 60-day late payment entry, and I believe it needs prompt attention. 

I kindly ask for a thorough investigation into this matter, along with documented evidence like statements supporting the legitimacy of the reported 60-day late payment. I'm eager to understand the basis for this entry and hope your agency can provide clarification.

If, upon investigation, you can't confirm the accuracy of the 60-day late payment entry, I insist on a quick update of the record to show the accurate statuspaid on time. My consistent payment history reflects my commitment to financial responsibility, making this sudden deviation confusing. 

I appreciate your prompt attention and cooperation in resolving this efficiently. Accurate reporting is crucial for credit information credibility, and I trust your agency will handle this with the necessary diligence.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have reached out to all 3 credit reports to remove all old addresses, I have sent certified mail to all companies thats reporting the wrong address which has been over 6mos ago, and to change there information to the right address so I can remove the old addresses, but the credit reporting agencys still reporting old information.
Consumer complaint received 2020-04-30
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. (MD)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that Transunion, XXXX, and XXXX  have on file for particular accounts. 
Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts. 

I submitted a 30 demand to comply letter stating the 30 day time period for investigation has elapsed. Transunion, XXXX, and XXXX are in Default and the items requested must be removed immediately.
Consumer complaint received 2020-07-15
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MARINER FINANCE, LLC (IN)

On XXXX around Mariner Finance, office in XXXX, IN, called my wife at work after multiple attempts to contact me. The lady was rude and told wife that she would call every day because we are 2 months late which we arent. We missed XXXX payment due to my fathers death. XXXX payment is not even 30 day late. 

The lady stated that my wife didnt understand how serious this is. My wife shared that she needed to contact me but the girl kept pressuring her to make a payment. My shared that I handle the financials the lady said I am sorry he does that. My wife explained no that how our marriage works. The lady then stated that the account was open and maybe forged the check. 

Then she continued to lecture my wife and when wife shared she understands the girl then gave the phone to her manager, XXXX XXXX, who then continued to lecture my wife and would not let my wife get a word in. My wife was at work in the middle of project. She ended up hanging up on XXXX and called I went to their office which their is closed. So I called and explained to them that at times they call I am not able to answer and they didnt leave a message. I explained that my father and I had some unexpected expenses that put me behind. I also explained to them that I have been doing business with them for years and always pay my loan off early. I then requested that they dont call my wife at work. The lady refused and talked in circles about how my wife name is the only on the account and that is the only way to contact her. Again my family has been a customer for years at this company. I have made the payment by phone or by going into the office. The tactic they used to get a payment was harassment, unprofessional, and caused us stress during work hours. 

I made XXXX payment over the phone and was asked when can I make XXXX. I shared I could make it next week. I was to auto draft it but I felt pressured to do so in order not to get harassed and 2 calls everyday during are busy workday. 

I understand stress of this time with COVID and the risk/stress loan companies are under but this was over doing it. I have been a loyal customer at this office for years. In addition, this week my wife received a loan offer for {$850.00} ( what! ). 

I am so frustrated about how we were treated.
Consumer complaint received 2020-07-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE SOLUTIONS OF COLORADO (TX)

My husband and I decided to get a home built back in XX/XX/XXXX as first time buyers. The scheduled time for the home to be completed was XX/XX/XXXX. Prior to the initial closing process, our loan/officer processor submitted our information to the underwriter of Mortgage Solutions of Colorado LLC, as a preliminary review. All was good. As time approached to us closing which started in XXXX, we submitted all necessary documents the lender asked for in less than one business day. The turn around time for them to look at the documents were 1-2 weeks top turnaround. We understood during Covid, processing takes a little longer, so, we understood. XXXX approaches and they send a rental history verification to our place of living. Well in order to do that, we had to put in our 60 day notice. So fine, we did that. End of XXXX approaches and here we are back at square one with them asking for the same documents they originally been asking for. So again, we submitted. Again, our turnaround time was less than one day. Now we are approaching XXXX, we finally get a closing disclosure. Surely this was it. Well it wasn't. They ask for the same information once again. Being concerned that time was approaching to our close date, I reached out to the Account Executive ( XXXX XXXX ) that was over our account. My experience with XXXX was the worse. I expressed my concern to XXXX and was looking to see what was happening. XXXX did not give a care in the world. He reasoning was its due to Covid and turn around time is 30-70 days turnaround. He continued to interrupt me and disregarded my concern as a new buyer. Mind you nothing was wrong with our credit, income etc. And also mind you, we started the process back in XXXX which now we are in 90 days. Outside of the SLA XXXX XXXX mentioned above. Now we are in XXXX and yet still nothing. We received a cancellation notice with the builder due to lack of closing. This information was forwarded to Mortgage Solutions team from my understanding and still, nothing. DO NOT choose this lender to close your loan. They have given us XXXX and this is suppose to be an excitement and joy as first time buyers. Other than their lack of fair service, there is no other reason why we should not have closed. This isn't the only platform I will submit my complaint because this has caused us to be put in a situation on many levels. We have to consider now where we are moving with now our lease being up to leave our apartment, my children being withdrawn from their school with the assumption we were moving because of our Closing Disclosure we received. Mortgage Solutions of Colorado LLC is pathetic and have lazy, sorry associates representing their values. If they have any. If I could give them a zero rating I would.
Consumer complaint received 2020-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MA)

Hi How are you? How's the COVID-19 going? I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2.  What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.