davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-14
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: LOBEL FINANCIAL CORPORATION (AZ)

I contacted my finance company on XXXX XXXX, 2015 made a payment for my XXXX payment and asked if I could have my XXXX payment deferred due to financial hardship. I was advised by a representative to fax a letter in writing to the deferment department explanning why i am requesting a deferment. The represenattive advised that I fax it in ASAP because i was in the first half of my grace period. I faxed the deferment XX/XX/2015 to the deferment department and have a fax comfirmation the fax was successful. I called two days later like i was advised to be told my deferment had been received and being reviewed. Two days later I receive a call requesting for me to make a payment and I advised i had submitted a deferment. The representative stated no deferment was received and aggresively requested payment. I advised him I spoke with someone in the office two days prior and was told it was in the system. He asked me to hold came back on the line stated he did see the deferment apologized and disconnected. I had n't heard anything so i assumed the deferment had been approved until I received a call tuesday XXXX XXXX, 2015 demanding payment. I advised of the deferment and was stated once again deferment was not received and in order for them to process the deferment i needed to pay a {$150.00} fee to process the deferment. I was never told their was a fee to process the deferment and it defets the purpose of a deferment. I have not been treated fairly from this company and have had many problems.
Consumer complaint received 2016-12-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

I have paid XXXX on to my USSA credit card on XX/XX/XXXX2016. I paid through bill pay through my bank. I have a check # and confirmation #. I have called USAA over 5 times in the last week and they continue to tell me that it has not been paid and to contact my bank. I have since received a {$70.00} interest view. I have requested to speak with a USAA supervisor several times but have not been able to. I have provided USAA with the check number, name of bank, bank contact info and the confirmation number and still USAA refuses to assist me in getting this resolved. In a few days I will acquire a late payment, because they have not recognized my payment of XXXX. I also want to make sure this does not negatively impact my credit
Consumer complaint received 2024-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have formally complained about bad debt in my name due to fraud. Also, I have several incorrect addresses in which I have never resided. The following companies have not taken any action or provided any communication : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (TX)

Shellpoint currently holds the mortgage lien. This was a second mortgage that was initiated in XXXX. The original mortgage holder, XXXX, accelerated the mortgage in XXXX and demanded full payment. It refused to accept past due amounts and told us that the new maturity date was no longer XXXX ( a sixteen year mortgage ) but that the maturity date was now XXXX and all amounts were due and payable. The mortgage was transferred to XXXX XXXX in XXXX. They also demanded full payment. It was transferred again to Ditech in XXXX  and full payment was again demanded. Ditech transferred to Shellpoint in early XXXX. Shellpoint did not notify us of its servicing until XX/XX/XXXX when we sought a release of the underlying lien. Shellpoint refuses to release the lien even though this is a time-barred debt under Indiana law . It is illegally blocking our intent to transfer our real estate to a buyer.

Shellpoint can not provide any payment history from previous servicers. It is also conveniently unable to provide documentation of correspondence from XXXX changing the terms of the mortgage.
Consumer complaint received 2015-08-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CONTRACT CALLERS INC (NY)

In 2011 XXXX investigated this debt from XXXX XXXX and it was found to be not valid due to the inability of National Fuel to produce any bill that was in my name. Contract Callers Inc. is now calling on a daily basis stating it was my debt. I asked them for supporting documentation from National Fuel to verify the debt and they told me I could call them and verify the debt. I told them if they could not provide verifying documentation, they would need to cease and desist from any collection activities according my rights under the FDCPA. They refused to produce the supporting documents and said all they had to provide to me was a statement, written by them, stating that they were collecting a debt for National Fuel.They also told me that this debt was on my credit report. This debt is not on my credit report because it was removed once the XXXX XXXX XXXX XXXX XXXX found that it was an unverifiable debt. The harassment and strong arm tactics of trying to get me a pay a bill I am not, nor never have been responsible for is completely unfair and is infringing on my rights as a debtor.
Consumer complaint received 2015-12-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Coast to Coast Financial Solutions, Inc. (MI)

I was never contacted about my debt. I had to find out about it after trying to get a mortgage and then : My account at the debt collection company was paid in full XX/XX/XXXX, yet every month it is being reported as a {$0.00} balance. Upon speaking with a credit bureau representative I 've understood that this is incorrect and is negatively affecting my credit score and ability to receive a lower interest rate on a mortgage. 

The credit bureau shows that the account was opened XX/XX/XXXX, but due to the fact that the collection agency is reporting a {$0.00} balance every month, my credit report at the Mortgage company shows the {$0.00} balance reported last month, XX/XX/XXXX.
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

My XXXX and Transunion reports are saying that I am utilizing over half of the available credit I have, because they are reporting that two of my cards that have a XXXX balance, still have the balance prior to my paying them. What 's odd is that right after I paid these two cards off, my credit score reflected as such. Now they are reporting the inaccurate amounts again, and it has caused my credit score to plummet down and cause me to be unable to qualify for a private student loan to finish school. I need this fixed, as soon as possible.
Consumer complaint received 2016-07-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This complaint is totally different from complaint no. XXXX. 
I am unable to get a copy of my credit report, secure the status of my disputes, speak with the contact person who called me one time and will not return my calls, and several companies have requested that negative accounts be deleted and yet TransUnion will not delete these negative accounts. Lastly, names are on my account are not correct. I am being told not that only the " Priority Department '' can pull my file but no one answers or returns my call. TransUnion has names that are not mine and negative files that should have been deleted.
Consumer complaint received 2015-06-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Coast to Coast Financial Solutions, Inc. (FL)

Coast to Coast Financal Solutions has continue collaborating with the scam of XXXX XXXX XXXX XXXX XXXX certified letter were already sent. 

Coast to Coast Financal Solutions is well aware of the willful conduct of XXXX XXXX XXXX XXXX XXXX and reported fraudulent collection account to my file
Consumer complaint received 2021-09-01
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SUN WEST MORTGAGE COMPANY, INC. (VA)

Sun West have been mailing me " statements '' none of which states that they are attempting to collect a debt. The statements are also false and misrepresentation. They also contain logos, all of which are violation. I have requested that Sun West validate this debt, if can not be validated it must be discharged. I mailed Sun West my documents on XX/XX/XXXX, which in includes my Affidavit of Truth, Cease and Desist, Debt Validation, Information Request, Invoice and Exhibits.
Consumer complaint received 2020-06-01
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: Experian Information Solutions Inc. (TX)

i submitted dispute with XXXX XXXX, and experian regarding collection on account XXXX XXXX XXXX XXXX XX/XX/18 and current results were that account was accurate how can it be if it wasn't fully investigated. I provided factual documentation to support reason to why the charges are inaccurate and that i am not responsible for debt today results for experian was completed and online but it would not let me dispute error on website unless there is something wrong with their system this needs to updated and deleted from credit report immeditely. i need adequate proof this is owed i want to know what XXXX XXXX XXXX  is providing you to say this debt is accurate have you contacted waterford grove original creditor regarding this account..did you get documentation from XXXX XXXX XXXX beside a lease and ledger car like they provided me. need answers how are you conducting your investigation do you have a team work on this or is this all generated automated .. did you even look through the lease and compare ledger does it align with the contract did you request additional supporting documents. did you request early termination addendum its no way you can say these amounts are accurate and correct to the best of your knowledge when i provided proof of a 60 day notice to management who agreed to let me out of lease she stamped and signed which doesnt hold me liable for amount requested. thank you please review documents
Consumer complaint received 2015-03-29
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: MLD MORTGAGE INC (GA)

I was approved for an FHA loan by MLD MORTGAGE but denied again because the process XXXX XXXX was looking for information from my significant other whos not on loan. He did not have information to give to him and he did n't want to supply the information because he felt that the mortgage was not his and he was not his client. XXXX kept giving me the run around and he made personal coments about my significant other. XXXX and his processer XXXX XXXX said they would let me know by a certain day but dif not. Myself and my agent reached out to both of them with no response. I decided to switch to another company before my contract deadline. To satisfy XXXX ego he would not respond to any emails or phone calls from the new company to transfer my paid apraisal. Finally after days of emails every one who wanted information from me before he answered saying he will transfer the appraisal. XXXX never shared information with me on why they denied my loan but instead decided to share sensitive personal information to the new company saying that I have a foreclosure which is not true. XXXX is unproffesional and he lied. I need this company to provide proof of my foreclosure to myself and FHA. XXXX went out of his way to email the new company but failed to communicate to me. XXXX could not close the loan but would not let me go anywhere else to close it. So he decided to blackball me.
Consumer complaint received 2024-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have noticed some unauthorized and fraudulent inquires on my report that need removed immediately. 

Xactus/fairway Independence XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IN)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (PA)

Retail installment contract is being incorrectly listed as a " secured home improvement loan '' and is showing as a lien on my property which is not true. This loan has been sold many times and somehow reported incorrectly. It is only a retail type loan. It is now causing me major discrepancies on my credit reporting. It has been fraudulently listed. Loan began in   XXXX   originally for {$3900.00}, I have all the original paperwork for it. It was relisted in  XXXX  at {$1200.00} as a charge off and it still showing up.
Consumer complaint received 2022-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MI)

My loans were recently transferred from XXXX to aidvantage, i was paying XXXX with income driven repayment a total of {$150.00} a month which includes a payment of {$64.00} and a payment of {$95.00}. I was told I would not have to make any changes to payment as the transition should be seamless, the first month of having aidvantage they took a total of {$340.00} in 2 payments in XXXX - one of {$170.00} and one of {$170.00}. I had suddenly been receiving tons of mail from aidvantage and XXXX  about my loans in the last 14 days and logged in on XX/XX/2022 to find out they had my autopay set up to withdraw approximately {$3000.00} from my account on XX/XX/2022 without any warning in any of the mail I had received or by phone/email. I immediately called aidvantage and they canceled my autopay and assured me they would not collect that money as the autopay has now been canceled. They also had issues putting me back into income driven repayment. Because of this I had them put me in COVID relief deferment so that I wouldnt have a payment, and I then I made a payment for {$170.00} as this is the amount I have been paying to XXXX regularly and monthly for the past 2 years. I realized they were wrong or lied and withdrew {$1700.00} on XX/XX/2022, over drafting my account. I logged into their website today to ensure that my autopay is off and found that I am no longer in the Covid relief and have a payment due for {$1200.00} which appears to be the amount that is left over after they overdrafted my checking account. I also received multiple past-due notices for small amounts such as {$5.00} and a {$30.00} for XXXX, despite being set up for Auto-pay and also already paying my loans for that month, which was an amount that they had already changed and increased.
Consumer complaint received 2016-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Not applying for an XXXX XXXX card, when XXXX changed to XXXX, was the sole reason my credit score dropped XXXX points, from " Excellent '' to " good ''. Why do I really care? Because your credit score factors into your cost for insurance, your fee for credit and in some cases whether or not you will get that job you are applying for. Why, you ask, would not applying for a card cause my credit score to drop so significantly? Trans Union, the credit reporting agency, said because I was an XXXX XXXX customer since the 1970 's and by not applying for a new card when the XXXX XXXX XXXX card was no longer valid. This caused my credit history to shorten to only 2.5 years of open credit accounts compared to what used to be 40 plus years of open credit. We know the history is still there and they have the records still on their file showing that I had a perfect credit history, however because the account is not open I get penalized. It seems backwards that because I did not expose myself to more credit that I am penalized in this way. 
Is XXXX at fault? Is XXXX XXXX at fault? Are the Credit Reporting Agencies, and their computer based scoring system at Fault? I am not sure, however I will work on getting this corrected and continue to update you, here on this page as I progress, or fail to progress, based on the " system ''. Will each of these organizations point their finger at the others? Will no one want to correct this?
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my Transunion Credit Report and they are reporting a XXXX Auto Loan with late payments. I have contacted XXXX and they confirmed that I never missed a payment and that my account was always in good standing until the account was paid in full. Furthermore, this account is more than 7 years old ( XXXX XXXX, 2007 ).
Consumer complaint received 2022-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

It is unlawful for any consumer reporting agency to furnish inquiries that the consumer did not initiate according to the Fair Credit Reporting Act. For the record, I did not initiate the following inquiries : - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX
Consumer complaint received 2017-09-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch (NY)

I had lost my job and was late paying one day for this company and tried calling them to tel l them of my demise. Only to be told that they could not do anything for me. I was attempting to pay the debt but with late penalties and other, I could not do so as i continued to have money problems. i called to ask them if they could work with me and they said no. i was paying when i received a bill from them but they stopped sending bills after the credit company took over. i did try to locate old bills and pay them monthly. 

they served me with a summons after the date that they said i had to respond. i had tried calling a month prior when i received their first threatening letter but no one answered so i just sent a money order. i was not sure who the debtor was. the complaint stated i did not attempt to pay the debit which is a lie. also it was forcing me to sign the complaint and said i had no objection. when talking with the person on the phone, i did state that i was not even sure who the creditor was and they finally told me after a few minutes. i made payment arrangements and they sent a further stipulation agreement to which i felt compelled to sign but under duress. point though is if this company had worked with me in the first place, this all would not have happened. and on my credit report, they say i am like three years behind in payment ... another lie. i have been sending money orders all along. i am not even sure if this is the right balance. sorry for not capitalizing my letters, my computer messes up when i do. thank you for your time and consideration.
Consumer complaint received 2024-02-16
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. (ID)

I am filing another complaint because nothing is getting done. I want all documents that I have signed giving you permission to report anything on my credit and this is per 16 USC 1681b ( a ) ( 2 ). I also want to know where you got my bankruptcy information since the court clearly states they do not report, I will be filing for identity theft. I also want you to delete all names on my profile other that XXXX XXXX as this is the only name I have ever used on any document I have ever signed. My next step will be a lawsuit.
Consumer complaint received 2017-03-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a disputed in reference to XXXX. I never applied for a loan with this company and I wanted it removed from my credit report. Trans Union went through their 30 day process and came back with nothing. They stated they included new information on my credit report, the new information was they lowered my credit score because they are a main resourse for XXXX.
Consumer complaint received 2015-03-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

XX/XX/XXXX, I filed a complaint against the NJ Higher Education Assistance Authority with the CFBP for the failure of their collection firm " The Law Office Of XXXX XXXX '' to supply me with any type of receipt of payment. I also believed at the time, that the amount being reported to the credit agencies was incorrect, due to the fact that it differed from the amount being paid to the firm each month. The State looked into it. and wrote out a sufficient response that detailed the current amount owed, as well as receipts of payment which were satisfactory. However today I logged onto my credit report, and see that " The NJ Office of Student Affairs '' when conducting the report, incorrectly initiated a " Hard Pull '' in order to get the information, which dropped my credit score XXXX points, rather than the required " Soft Pull '' as they did not advise me or ask for my permission to run the " Hard Pull '', which I would not have given them permission to do. The " Hard Pull '' was conducted on XX/XX/XXXX. With the Credit Reporting Bureau " XXXX '' and according to the report will not be removed from my record until XX/XX/XXXX. This " Hard Pull '' was conducted illegally, and thoughtlessly in regards to the impact it would have on my credit score. I demand that the pull be removed immediately from my record by the " The NJ Office of Student Affairs '' and that an apology be written for causing my score to drop.