davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-19
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. (LA)

Transunion has re added XXXX back to my account when it was removed. It is illegal to re add an item after it has been removed. I took screen shots of this and will provide if needed
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am only now learning that TransUnion has been charging me {$20.00} per month since XX/XX/2017 for a TransUnion account. They claim I must have signed up for free trial and then failed to cancel it, however there is no confirmation email stating that I ever signed up for this and no monthly receipts ( or any other document indicating to any effect that I have ever been charged ) sent to me at any time.
Consumer complaint received 2017-06-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have an account with XXXX XXXX and they help me a lot..I have to give them my online banking login and stuff and my bank is supposed to send them my bank statements frequently however my bank has been slacking drastically..I need my bank to start sending XXXX XXXX my bank statements more often ... ..
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

On numerous occasions I have called Equifax because my address after several requests was never updated even though I have lived in my current address for over 2 years. I have submitted proof of identity 4 times already and every time i have called them either they do not have the documents or part of the documents. I have spoken to several supervisors and am met with inadequate servicing of my account and several times they claimed they could not even find my file. I also have tried for months to remove a fraud alert that i have never requested and to date they refuse to remove it. They are very disorganized and do not seem to know how to do their jobs, it is unacceptable the amount of time i have wasted on the phone and the many times i have had to send documentation and still months later the issue is not resolved and has hindered my ability to refinance my home. They are the absolute worst when it comes to servicing the needs of their customers and are clearly in violation of the FCRA.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

On XX/XX/2024 I was doing my yearly credit check since that is something I am trying to work on. I was able to pull XXXX of my credit reports. When it came to Equifax it stated they had no record of my history.
Consumer complaint received 2022-03-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (SC)

Good morning, On XX/XX/XXXX I actually paid off my mortgage that was held by Shellpoint Mortgage Service and they have not sent me Release of Security Deed. I have called the company and sent letter concerning the issue. They did receive the money and stated that in error it was allocated incorrectly, and will correct it still have not been done and they are billing me as though the loan was never paid off. 
Had my attorney sent them official letter XX/XX/XXXX and still no satisfaction. 
I did receive a letter from Shellpoint Mortgage about loan mortification and my loan being in default.. They have receive my pay off money and now refuse to release my Security Deed and file it in the county record. 
Please help me...
Consumer complaint received 2021-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MA)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 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. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2017-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IL)

I have made two payments to my student loans and none of them have been posted on my account. One payment was made on XX/XX/2017 and the other one was made on XX/XX/2017. This is not the first time I have issues with the lender not posting accurate information on my account having to call them so that they give me a reasonable explanation and a promise that they would take care of the problem. They have excluded a payment from my account once and made me go to my bank to ask for a letter as a prove of the bank transaction with them because they could not track my payment in the system. Therefore, this seems to be an ongoing problem with them.
Consumer complaint received 2021-05-21
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CURO Intermediate Holdings (PA)

Speedy Cash XXXX sends me emails threatening to and stating they have activated a warrant for search and seizure, complete with a docket # and citations of supposed Constitutional law. As well they assert that I will be contacted by local authorities and threaten consequences if I do not contact them in a limited time frame.
Consumer complaint received 2015-07-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (OH)

My ex left me, she is on the mortgage, she had a restraining order on me for 30 days until court where her complaint XXXX was dismissed. During this time she lived in the house and did n't keep the payments up. So when I was able to get back in the house I begin to make the payments again. I was one month behind at this point. During the past couple months I had been talking to the mortgage company, Freedom Mortgage, and making payments we discussed a repayment plan that initially sounded like a good deal then after further consideration it was determined at the time that this was not going to work. They are saying that I broke an arrangement and now they need two full payments or they will not even talk to me. They changed the terms of the loan which has now put me 3 months past due including the current month and they are refusing to accept any payment from me which has put me in an even worse position because I am doing everything in my power to get it caught up.
Consumer complaint received 2024-04-01
Product: Credit reporting 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. (TX)

XXXX, XXXX, & Equifax are reporting inquiries I did not authorize and they should not have given these companies access to my data without my written consent. 

XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax
Consumer complaint received 2016-03-12
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: 21ST MORTGAGE CORP. (NY)

21st mortgage I was behind one payment, they call upwards of 5+ times a day, ( I have caller ID records to prove it ) emails sometimes more than once everyday. They send certified letters to any address they find on the internet. They send letters not certified constantly. They call phone numbers that are n't even mine, talking to other people about my loan. I have asked them repeatedly not to call, or send letters to any other address other than the one they have on file. I have asked repeatedly for a pay off figure not to include an escrow balance. I have asked for a complete payment history, they refuse to send one. What they have sent are XXXX completely different histories, and they say that " XXXX '' has his own set of books. They are charging a negative escrow from the previous owners of the house, even though the contract says that any negative escrow will become XXXX at the point of transfer. They paid someone elses taxes with my money, and charged me for it. I have spoken with their accounting department, and they ca n't even make heads or tails to the payment ledger. We are missing at least {$600.00} in escrow payments that were collected, and not deducted from the balance. Also, they sent " men '' to our house to collect the ONE late payment, even though the property is private, and posted. I have sent in writing that they are not allowed on the property, ( The land is n't included in the loan ) and they caused major property damage, I asked for their insurance information and they refuse to give it to us.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (MN)

Enhanced Recovery Company a collection agency is attempting to collect on an alleged debt owed to XXXX a cable company. I had contacted XXXX disputing this alleged debt in which they did not put my account on vacation status which I had informed them to do. The XXXX representative stated they would adjust my bill. I am still a XXXX customer. I received no communication that XXXX was referring my account to a collections agency. After reviewing my credit report is when I noticed that Enhanced Recovery Company was reporting this alleged debt.
Consumer complaint received 2017-06-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Pprtfolio recovery calls several times a day and late at times. I have asked them to stop calli ng ne and to  instead swnd me documentation proving that this is indeed my account. I have asked them to send some detailed statements as this is not my debt and they refuse and instead resort to calling over and over to intimidate. I have had to block their calls and still have n't receiv ed ANY detailed bills or proof this debt is mine. I would need more than 1 bill to get an idea as to who ' s debt this is as it could be ifenity theft. This company is abusive with their calls and behavior.
Consumer complaint received 2022-08-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (CA)

My name is XXXX XXXX I received my consumer reports and notice that this company is unlawfully reporting a collection account ( account number being XXXX ). I am demanding this collection agency to provide validation of debt pursuant to 12 CFR 1006.34a ( 1 ) ( a ) Validation information required. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication. Pursuant to 12 CFR 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ).
Consumer complaint received 2017-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IN)

We have both Federal and non federal student loans i believe. I have called Navient several times over the past few years to make sure the money is going where i want it to go. i called again today and the extra money we put towards the loans was not correct. they have changed the reallocation of the money or never did it in the first place.
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Submitted complaints to all three credit bureaus on XX/XX/XXXX. Within a few days, XXXX and XXXX had removed the paid tax liens from my credit report, but Transunion refused to do so and made a cursory examination with no results. I disputed their answer and have since provided additional documentation, including data from the IRS and XXXX County Court indicating these tax liens have been withdrawn. Transunion has made no effort to make the obviously incorrect changes and has now XXXX times knowingly reported incorrect information to my prospective employer. I have now lost my lucractive job due to their incompetence, rudeness and ignorance. Among other things, each time we provide them with additional documentation, the restart the 30 day clock making this an endless, pointless exercise that only they seem to engage in.
Consumer complaint received 2022-03-03
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)

I filed a dispute in regards to the incorrect items on my credit report and it has been well over 30 days and I never received a notice stating the investigation would take longer. I sent the disputes out on XX/XX/XXXX, and the 30-day demand to comply letter out on XXXX XXXX, XXXX.
Consumer complaint received 2017-04-11
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

XXXX. ( d/b/a XXXX ) advertised a specific XXXX VIN # XXXX for {$33000.00} with XXXX miles, white exterior and auto transmission. I went to the dealership and agreed to purchase the vehicle for the advertised price and the dealer agreed to give me {$9000.00} as a credit for a trade-in of my XXXX. I owned my XXXX in full and I did not have a loan outstanding on it. I executed the documents to finance the vehicle. There was much confusion and I was asked to sign all the finance papers quickly with little time to review them and the entire time the finance officer kept his palm on the top half of the papers and asked me to sign the bottom of the page so that the only number that I saw when I signed the documents was {$36000.00} ( which seemed roughly correct when I calculated the {$2800.00} service contract added to the {$33000.00} purchase price ). After a few days, I realized that the dealership had changed the purchase price from the advertised price of {$33000.00} to {$42000.00} ( {$8700.00} more than I agreed to ). I called and went back to the dealership on 2 ocassions. I spoke to the manager XXXX and the finance officer. The finance officer tried to convince me that the calculations were correct and the manager XXXX stated that he could not figure out how they came to the amount. 
I called Toyota Financial Services ( lender ) and they called the dealership and as a result XXXX called me and let me know that Toyota had contacted the dealership. XXXX invited me to come in and speak to him. When I did, XXXX simple could not assist me because he could n't figure it out. The lender has informed me that their review indicates that the trade-in {$9000.00} was a " wash '' and they referred me back to the dealer. The lender should have seen that I was not given the {$9000.00} credit. The lender refuses to make the adjustment.
Consumer complaint received 2022-03-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

The Cares ACT has been extended Wells Fargo is charging late charges when they are supposed to be waiving them while the COVID period is in place. I have been impacted by COVID I make the payments on the account but they are being made late due to COVID.
Consumer complaint received 2018-03-22
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: LEXISNEXIS (WA)

Tried to apply for credit and was turned down. That's how I found that there was a XXXX Bankruptcy reporting under my ss #. I requested with all 3 major credit reporting agencies by letter on XX/XX/18 to remove this incorrect information also providing proof of the error. As of today I haven't heard from XXXX XXXX, XXXX or XXXX. However LexisNexis received the same request as proof of their company error and sent a letter stating they did an investigation and found it to be correct. As you will see from all the paper work attached that I provided clearly states that it is not his bankruptcy. I called and spoke with rep from LexisNexis who really could have cared less on XX/XX/18 and as of today still haven't heard back.
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I DISPUTED A COLLECTION ACCOUNT FROM XXXX IN THE AMOUNT OF {$14000.00} THAT APPEARED ON MY REPORT IN XX/XX/XXXX. I DO NOT HAVE AN ACCOUNT WITH TBF FINANCIAL NOR HAVE THEY CONTACTED ME NOTIFYING THAT I HAVE AN ACCOUNT WITH THEM. I FOUND OUT THAT THIS COLLECTION WAS ON MY CREDIT REPORT AFTER BEING DENIED CREDIT. I TRIED CONTACTING XXXX TO VALIDATE THIS DEBT BUT I HAVE NOT GOT A RESPONSE. I HAVE DISPUTED THIS COLLECTION ACCOUNT WITH TRANS UNION MULTIPLE TIMES AND THEY GIVE THE SAME RESPONSE, " VERIFIED, NO CHANGE ''. EACH DISPUTE IS COMPLETED BY TRANS UNION IN A FEW DAYS, WHICH LEADS ME TO BELIEVE THAT THEY ARE NOT DOING A FULL INVESTIGATION. I HAVE REQUESTED TRANS UNION MULTIPLE TIMES THAT THEY SHOW ME WHAT METHOD WAS USED TO VERIFY THE COLLECTION ACCOUNT AND THEY DID NOT SUPPLY IT. IN MY LAST ATTEMPT TO GET THIS INFORMATION CORRECTED I SENT A NOTARIZED LETTER ON XX/XX/XXXX ASKING TRANS UNION TO RE-INVESTIGATE THIS COLLECTION AND HAVE IT REMOVED FROM MY REPORT. I CALLED TRANS UNION ON XX/XX/XXXX TO CHECK ON THE STATUS AND THE TOLD ME THAT THE INVESTIGATION WAS COMPLTED ON XX/XX/XXXX WITH THE SAME RESULT ; " VERIFIED, NO CHANGE ''. I AM REQUESTING YOUR HELP TO HAVE TRANS UNION DO A FULL INVESTIGATION AND HAVE THIS XXXX COLLECTION ACCOUNT REMOVED FROM MY CREDIT REPORT.