davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: North Shore Agency, LLC (CA)

In XX/XX/XXXX I moved back to XXXX from XXXX. XXXX was my cell phone carrier at that time. Before moving back the USPS stopped allowing XXXX XXXX. to have PO BOX 's and in turn all mail must be addressed to a physical address. XXXX was notified. I had also changed my mailing address to reflect my move 2 times online with XXXX to reflect XXXX XXXX. Their " system issues '' as described to me on the phone were rejecting my updated mailing address that I had before leaving XXXX to move back to XXXX. After my previous phone died, I decided to utilize the " switch to XXXX '' promotion and " we will pay your early termination fees up-to $ $ $ amount. While you also get to keep your current phone number '' After I had paid my last bill I had called XXXX 2 times, the month of and the month after, both individuals knew of the ordeal and reassured me that I did n't owe XXXX anything, XXXX covered all remaining charges. XXXX needs to provide these phone recordings in order to proceed, along with verification that they did, mail paperwork regardless of paperless billing- that I did not receive at my mailing address in XXXX XXXX. showing that I owed XXXX any balance. Both family in both states have not received paperwork from XXXX stating that I owe them anything. I have had an excessive amount of advertisements sent to my mailing address in XXXX XXXX since I switched to a reliable carrier this past summer of XX/XX/XXXX.  The collections agency 's trying to contact me have been XXXX by phone in XXXX XXXX. and North Shore Agency. Both who have not been able to mail to the correct address in XXXX, or as XXXX even mailed anything to me in XXXX  or XXXX. My family would defiantly have let me know and either forwarded or called to provide me the information.
Consumer complaint received 2021-06-09
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (WA)

I purchased my home in XXXX and after my loan closed and 2 deeds were recorded as it was a bond loan, the lender had to redraw docs -within the same month- and 2 new deeds were recorded. However, at that time, the original deeds were not reconveyed. When my loan was modified in XXXX, this was supposed to have been resolved. I am now selling my home and all 4 liens are still on my title. I have reached out to the service - Loancare- as has title and escrow with a request to provide a full reconveyence letter once the loan is paid in full and no one is assisting. For 39 days I keep getting tomorrow or we will call you back and nothing is happening. Now I am paying XXXX a day on the extension for the home I am buying that was supposed to close on XXXX and they will only extend until XX/XX/XXXX and my earnest money is no longer refundable. XXXX addition, my buyers for my home are requiring me to pay for their lock extensions and are threatening to sue me because I signed a contract stating I had a clean title which I clearly dont. Today is my dead last day and Loancare has opted to ignore my calls, emails and puts me on hold for hours at a time to come back and tell me that it will take some time. I dont know what to do. I am going to lose everything over their mistake and no one cares. I need help. I had a modification that they tried to fight but lost because they violated HIPPA and I feel like I am now being discriminated against for that, as though they want to punish me for needing help. This is clear discrimination and I am not able to do anything else
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

This complaint is in regards to a Bankruptcy listed in Public Records date filed XX/XX/2014. 

Experian continues to report this inaccurate information even after several disputes. I have repeatedly requested tangible documentation whether electronically or hard copy and Experian has yet to verify. All they send is Verified on my report but don't list any names or address on how this is verified and then state they will not dispute this anymore. 

I have received a letter from the court that is listed on the credit report and they SPECIFICALLY state that they do not provide information to Credit Reporting Agencies. 

Experian 's system for matching profiles is not working. Experian must be reporting someone else 's Public Records information on my credit file. The address identification number DOES NOT represent any address where I lived. 

Since Experian is unable to verify their method and accuracy of this information, I want this Bankruptcy PERMANENTLY DELETED FROM MY CREDIT FILE immediately. I need your assistance in getting this matter resolved ASAP. 

This error is severely impacting my profile and is painting a bad picture of me.
Consumer complaint received 2022-04-30
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: Experian Information Solutions Inc. (OH)

Experian is not following the credit reporting rules that they expect everyone else to follow. THey ar not responding to requests or asking me for additional information to confirm my identity when I send them a copy of my license and SS card
Consumer complaint received 2021-08-20
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: Experian Information Solutions Inc. (TX)

XXXX XXXX reported on my credit report that I owe {$190.00} dollars which is not correct. I don't owe them anything. I have disputed it and requested proof of the amount I owed according to credit act but the results were negative. I tried to dispute again and experian won't let me do it online. They asked that I call a phone number. I did call that phone number and I was never able to get in touch with a live person to dispute and request that the company provide the proof of the charges. The automatic system was asking question that have no relation to the problem I need to dispute. I tried couple times. I called XXXX XXXX  and requested proof but they want me just to pay. At the end just get this fixed and I told them I don't agree with the charges but I will pay if you delete from my credit report since it is wrong. They refused to delete and refused to provide accurate information proving I owe a balance. I need this problem handled please. 

My name is XXXX XXXX Thanks,
Consumer complaint received 2021-08-20
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. (FL)

I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies. I have attached highlighted pictures of the accounts reporting inaccuracies
Consumer complaint received 2017-11-29
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: JPMORGAN CHASE & CO. (MO)

I have tried to have these removed from my credit as I never spoke to this company nor authorized them to place a inquiry on my credit, I have sent them several letters and yet they still fail to remove them or show me proof of me asking or authorizing them to run my credit!
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I sent a letter to Experian after I noticed a bankruptcy being reported which was inaccurate. ( see attached ) Experian responded on XX/XX/XXXX saying that " the credit grantor has verified its accuracy. '' ( see attached ) The credit grantor is listed as : XXXX XXXX XXXX XXXX    XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I wrote a letter to the XXXX XXXX XXXX ( see letter attached ) asking them to provide me the following information : " I am looking for information with regards to bankruptcy filings. Can you tell me what the process or method the court uses to " verify '' bankruptcy information with the credit reporting agencies such as Experian, XXXX and XXXX? How can these agencies claim they verified my information with the court and what information does the court share with the credit reporting agencies? '' The clerk of the court responded ( see letter attached ) that " the XXXX XXXX XXXX XXXX does not report information to or remove information from the credit bureaus. '' Therefore Experian is reporting INACCURATE INFORMATION ( 1 ) that the XXXX XXXX XXXX furnished and verified the information when the court clearly stated that they did not report this account to Experian! 

When I look at my credit report, it tells me the name of the furnisher of the information. That may be  a credit card company, auto lender, mortgage lender and sometimes collectors. Experian is saying that that courthouse or recorder, or whatever, is furnishing the information and the court is saying they DID NOT furnish the information. Experian is telling a bold-faced lie. 

I contacted 4 third party companies whom Experian claimed they get information from : XXXX, XXXX, XXXX and XXXX and they advised me that ANY INFORMATION THEY HAVE ON ME HAS BEEN FROZEN WITH A SECURITY FREEZE, therefore they could not have reported any information to Experian. 

Please see a copy of the Experian credit reports attached for your reference.
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/XXXX when I went to pay my HSN credit card bill ( which my due date has always been the XXXX of the month ) I noticed I was charged a late fee and it said my bill was due XX/XX/XXXX. I looked back at the prior month and noticed they also charged me a late fee in XXXX and XX/XX/XXXX, but not prior to that. I called and was told my due date was changed to the XXXX of the month and they noted it on my statement. I asked why I wasnt sent a separate communication alerting me of the change and was told the statement showed the change. As a consumer I should have been notified by another means about this account change. It will now affect my credit report showing late payments and Ive never been late paying this company. The months they charged me I paid on the original due date of my account. I was told they will only reverse this months fee and will not change my credit reporting information. I feel this is a UDAAP concern as it is unfair and deceptive to me as a consumer to have a change in terms that is only noted on a statement and not through a separate communication that will properly notify me of the upcoming change.
Consumer complaint received 2022-01-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2020-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Debt Counselors, LLC (NY)

I have received threatening letters for credit card debt totaling {$37000.00} which is a false accusation. I don't have any credit card debt. 

The website they post, www.udcamerica.com does not open and seems to be a false site. 

I have received 3 letters sent to my previous address dated XX/XX/XXXX, XXXX and XX/XX/2020. 

I would like to report this fake company making these false accusations and requesting payment to steal money from the general public.
Consumer complaint received 2022-02-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

XXXX XXXX and Rushmore have seriously damaged my familys financial situation costing us hundreds of thousands in unnecessary fees, penalties, and interest. 

Specifically, the bank commandeered the insurance proceeds from a fire, refused to apply those funds to the principle balance of the loan, refused to re-amortize the remaining balance, trashed my reputation with other banks eliminating any opportunity to refinance or go to a competitor, rejected three attempts at a loan modification, ignored multiple letters asking for documentation, ignored dozens of phone messages to representatives telling me they are my single point of contact, loaded our home mortgage with unnecessary and inappropriate advanced fees and balances for duplicate insurance & advanced tax payments, attempted an aggressive foreclosure without warning, added additional legal fees, finance fees, and taxes, refused to restructure credit card debt, withheld funds unnecessarily forcing overdraft fees, denied a land-only loan for the home that burned, sold off the note to Rushmore making it impossible for me to even talk to XXXX XXXX and making it impossible for Rushmore to address any historical complaints, and now they continue to destroy my reputation through bad credit scores, forcing me to pay egregious credit card rates on the remaining debt and burdened us with a mortgage debt we do not owe and an interest rate well above the conforming market rate. 

XXXX XXXX told us the only way to get a loan modification is to go into default. Then, they trashed our reputation and slandered us in the marketplace through a bad credit score, even though they told us to do it. Now, were stuck like indentured servants to them. We cant go to another vendor and they wont make any changes to the loan. 

Theyve locked us into a 5.5 % mortgage rate when we should only be paying 3.3 %. This is costing us $ XXXX in interest we should not be paying. Plus, this has been going on for years, so the additional interest paid is roughly {$200000.00} and counting. 

Please see the attached summary of letters, activities, dates, amounts, etc.. 

Rushmore continues to claim they have no history of the XXXX XXXX activity, and XXXX XXXX continues to claim they no longer own the note, so we have to talk to Rushmore. Its a vicious circle with no resolution. Its also extremely expensive, stressful, damaging, and soul-crushing to our family. 

Anything you can do to help?
Consumer complaint received 2018-02-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

today, XX/XX/2018 my banks accounts were levied by XXXX XXXX XXXX. I spoke with many people who would not give me any information. This was addressed a long time ago. I do not recall when. I had my credit cleaned of any outstanding debts years ago. I pulled my credit and this was never on it. anyway, I spoke with XXXX XXXX and said to her this is not right. she said " the burden of proof is on me ''. My husband spoke to someone a couple months ago asking for money. he said send us the proof. we never received anything. I also spoke with XXXX XXXX who gave me a hard time giving me a physical address. he finally did I asked for a supervisors/manager name and he told me there really is no one to address it to.i have a levy for XXXX in which the held approx. XXXX. I have bills going to bounce. this my money. I have children to support. I worked hard to pay my bills. this is fraud. please help me get my money back. there address is XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX phone number XXXX my name is XXXX XXXX XXXX
Consumer complaint received 2022-04-30
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. (TN)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information such as date opened, monthly payment and payment history without any proof provided, within the time allowed by law, is not authorized. Please update the late payments from this account. XXXX XXXX XXXX XXXXXXXX Balance : {$45.00} [ XX/XX/XXXX ] [ XXXX ] XX/XX/XXXX [ XXXX ] XX/XX/XXXX [ XXXX ]
Consumer complaint received 2020-01-25
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: EQUIFAX, INC. (GA)

Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX Television & Radio
Consumer complaint received 2017-11-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

1. I immediately filled for IBR immediately after President Obama 's State of the Union in XXXX. I am a XXXX and was told that after 120 payments my loan would be forgiven. Under the new system we were allowed to claim as far back as 2 years. So I filed with XXXX XXXX at the time. XXXX XXXX. 

2. Navient purchased themselves ( XXXX XXXX ) and I was informed nothing will change but the name. So I paid my loan as prescribed under IBR sometimes {$0.00} and each year provided proof of income. 10 years meant that inXX/XX/XXXX I would be free of these loans under IBR and when I inquired I was told I had only been in IBR 3 years. Which is not true. I asked for the loan forgiveness and was lied to by NAVIENT. 

3. So I filled again for IBR well before the deadline of XX/XX/XXXX I waited and then in XXXX I received a notification that my IBR was approved for {$840.00} per month. What? So I called NAVIENT on or about XXXXXX/XX/XXXXand was told by the representative that I need to resubmit the IBR form and current pay stubs. So I did online. I was informed that it would take XXXX days. 16 days passed and no communication. So now I am coming up on the payment for XXXX. It is mid-month so I resubmitted the forms VIA traditional Fax. Again waited ... 11 days. No actin and NO communication. So I called Navient on XX/XX/XXXX. 

4. I spoke with XXXX XXXX and he informed that since the loans are under my ex-wife 's name and she is a teacher making very little we qualify for PAYE or REPAYE and need to make XXXX payments -- see above. So I said okay let 's do this. I repeatedly asked him to make sure that this is for account number xxxxxxx. He kept shrugging it off then said I just need a payment of {$740.00} on a credit card. I figured okay this must be to satisfy my payment. Then he tells me XXXX will be taking care of me and we will be on the PAYE plan. 

5. I keep receiving e-mails from the XXXX XXXXXXXX XXXX XXXX and XXXX. In the meantime NAVIENT is hounding me for the XXXX payment. I contact XXXX and they tell me it will be 6-8 weeks until the loan is under PAYE/REPAYE. So I wait. 

6. I fax ( phone ) NAVIENT explaining what is going on and they put my payment at {$0.00} as administrative forbearance. 

7. TODAY XX/XX/XXXX I received a letter from Federal Loans telling me I do not qualify for the consolidation since NAVIENT has placed my loand in consolodation as IBR. Sooooooo here I sit having paid an enormous fee via NAVIENT, through their rep -- XXXX XXXX, and am NOT receiving what I am paying for. I was scammed and now XXXX XXXX and XXXX have my money with no results and I am on IBR again and not PAYE/REPAYE. 

This is absurd.
Consumer complaint received 2021-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (HI)

On XXXX I started payment for a automobile motor from XXXX XXXX XXXX using my USAA debit card ending in XXXX. The amount was for XXXX. I later finished payment for this motor on XXXX for a total of XXXX with me USAA credit card ending in XXXX. I have never received this motor and I have never received a refund for my purchase. I no longer wish to be a consumer in America until this matter is solved.
Consumer complaint received 2023-01-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EQUIFAX, INC. (VA)

This company continually calls me from new numbers and area codes ; without written consent unfairly submitted my information to my credit report damaging my credit causing me XXXX XXXX and now XXXX getting denied for credit cards and loans to help my family.
Consumer complaint received 2022-04-30
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. (IL)

I have disputed several times with Transunion about adding someone else information on my credit report. Misleading information on my credit report has caused people to show up at my house ( I have been afraid for my life ), Calls to my employer, and unfair credit decisions have caused me frustration and XXXX. This has made my life a living XXXX for over ten years, and they keep adding this person to my report. I have called disputed, and they will sometimes delete it, but a year later, I see it back on my report. At this point, I am filing a lawsuit because I should be getting monetary suffering. Transunion has made my life a living XXXX, and at this point, I would like their legal office to be involved. My latest dispute, XX/XX/2022, resulted in the information as accurate and was left on my report. This is the 3rd or 4th time I had to dispute this same information, and I know I will have to do so in the future because what is stopping them now from adding this lady 's information back to my report.