davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NE)

I actually didnt submit a dispute I submitted an inquiry asking in writing where the credit bureaus gets their information. I specifically told them I was not disputing the bankruptcy. They still proceeded to process it as a bankruptcy. I asked them to respond to my letter and writing and the supervisor XXXX told me they couldnt and wouldnt respond to my letter in writing and could only do it verbally. Which I know as a consumer I know I have a right to know where the information that was on my report came from.
Consumer complaint received 2018-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial (AR)

I received a letter from the Federal Trade Commission stating that they are suing Ameritech Financial, the business I have been paying for my student loans. I'm scared of that this means and trying to understand if I am involved in a scam, where my money went, and how to get out of it. I've been paying them for 2 years and the letter states that it has not been going to my student loans.
Consumer complaint received 2018-07-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (IL)

I have been working with Caliber home loans since XX/XX/XXXX in trying to obtain a loan modification. I have submit every single document that has been requested since my initial submission. I have received mailings on multiple occasions stating that my loan modification packet was complete and going to underwriting for review. Shortly after I would receive requests for additional information. After complying with all of the requests, the file was never decisioned. I was told I had to resubmit everything because the documents expired. This went on for 16 months straight. All the while I was in the XXXX County Foreclosure Mediation Program. Finally when the mediators set the case for a formal hearing on XX/XX/XXXX. Right before the formal hearing I finally received a decision letter. The loan modification was denied and I was denied all home retention options as my arrearages grew larger than FHA 's partial claim would allow. Caliber is at fault for neglecting to review my complete applications timely. I was prepared to begin making mortgage payments again as soon as the first application was submit. I am so disappointed in the actions of this servicer. Due to the length of time they wasted, I am now in close danger of losing my home to foreclosure.
Consumer complaint received 2021-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XX/XX/2021 i sent a formal 609 letter disputing many inaccurate accounts to Transunion, XXXX, and XXXX. It has been well over 30 days and I have yet to receive any correspondence or updates from any of my inquiries
Consumer complaint received 2019-06-10
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: TOYOTA MOTOR CREDIT CORPORATION (MI)

XXXX XXXX in XXXX mi pulled my credit 3 times without my consent. This is not the first time that they did that to me. The finance officer requested my information to get the loan processed. I asked specificity to use my information one time only with Toyota financial and not to use it again. I received instantly three massages from XXXX that my credit was ran three times. 
Never again I will give XXXX XXXX the permission to pull my credit or do any types of business with them.
Consumer complaint received 2018-07-25
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (KS)

This lender is not mine but the buyers who are purchasing our home. 1st Issue : The lender ordered an appraisal and when that company came out, she didn't measure our home and do a thorough inspection. We ( buyers and sellers ) felt they didn't do it correctly so we asked the lender what our options are. The lender suggested we get a second appraisal but it would be at the seller 's expense. We agreed. Got the inspection done - correctly with correct price, measurements, etc. The lenders came back and said they would still go with the first appraisal report and amount. They never once communicated with us that it wouldn't matter if we did a 2nd appraisal because they were still going with the 1st report. Wasted time and money. 
2nd Issue : less than 24 hours before closing the purchase, the lender sends an email stating they need to delay the closing time from XXXX to XXXX. We informed the lender and buyer 's agent that we needed them to close at XXXX because we need to complete that transaction before we can close on our new home which was at XXXX that same day. I called the lender and they refused to answer my calls, emails and questions. She kept referring me to the buyer 's agent who also told me she didn't know anything. XXXX on the day we close on our house, the agent and lender still has no clue what time they are able to close and no one is answering me. I'm writing this complaint and still am uncertain what time they are closing. 

This lending company is very unprofessional. Here are some of the things they have done. - called the appraisal company pretending to be me, told the buyer 's agent that she just wants more on her commission for the sale of the purchase, refuse to answer my calls, emails and answers and telling me I have no right to report them. I have emails that show all this.
Consumer complaint received 2022-04-01
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 — Investigation took more than 30 days
Company: Specialized Loan Servicing Holdings LLC (CA)

Sent numerous notarized interventions to this creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have yet to respond to this erroneous account with any validation and/ or removal of account. Filling a XXXX  complaint against this creditor as well.
Consumer complaint received 2021-11-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

I reached out to both the creditor ( HSBC ) and XXXX concerning the debt that isn't mines. XXXX was noticed via USPS certified mail with returned receipt on two occasions starting 3 months ago. I'm yet to get a reply in the mail. I have the returned receipts in my possession as evidence dating back to XXXX and XXXX respectably. Today I decided to contacted XXXX, this time by telephone since I'm yet to receive any documents with a plausible explanation or results concerning my dispute. The representative from XXXX claimed they removed the item but it was placed back on my credit report by the creditor ( HSBC ) and moreover, that they could not remove it again and I couldn't dispute the account again. The representative refuse to accept my request to dispute an inaccurate account. After explaining to her I've contacted the creditor. She claimed that it was nothing she could do for me. I'm dumbfounded by the red tape here. I need your assistance.
Consumer complaint received 2019-06-09
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. (FL)

On XX/XX/2019 I sent a letter to transunion requesting that they send me the documentation that they have on file verifying that the account in question is mine.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand these documents be sent to me.the account in question is XXXX.instead of them sending me the verying documents, i get a identity theft package from what seems to be the original creditor ( XXXX ) .with a balance of $ XXXX.i never received any verying documentation.
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BARCLAYS BANK DELAWARE (GA)

XX/XX/XXXX I was a victim of a hard pull on my credit by a company called Barclays Bank which I have no account nor affiliation with. I wasnt aware of the fact that Id have my credit reported to this company. 
XXXX XX/XX/XXXX I was a victim of a hard pull by the same company with no recollection of consent to run my credit report. 
XX/XX/XXXX I was a victim of another hard pull from XXXX XXXX. In which case I do not recall giving any permission for them to run my credit score.
Consumer complaint received 2017-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

I requested a copy of my original loan documentation twice. Initially I was told I would receive proof of my debt owed in hardcopy form by XXXX/XXXX/XXXX. I did not receive it and so I called on XXXX/XXXX/XXXX to ask when the documentation would be sent to me. They said they were sorry and I would receive the hard copy by the end of XXXX XXXX. I received one page, no amount, no school loan information. They sent me a signature page dated XXXX. 
I then asked for proof of my loan debt which I do not owe and now they are threatening collections and sending 2-3 emails a day asking me to log on for ways to pay a loan I am disputing. I asked if this collections can be put on hold until it is verified that I owe this debt. They said only if I admit the debt is mine and plan to repay. I stated I am disputing this debt. 

Needless to say I am having my credit ruined and I can not get them to honor the laws put in place to protect my rights as a consumer.
Consumer complaint received 2023-02-15
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: MARINER FINANCE, LLC (OH)

I sent a XXXX letter it is similar to a debt verification asking to validate the legitimacy of a balance due, which is your right under the Fair Debt Collection Practices Act. 
must remove the accounts listed below. This account wasn't properly investigated Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account this is an invalid account
Consumer complaint received 2018-07-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NY)

I was in a XXXX XXXX in XX/XX/2017, which resulted in XXXX XXXX and XXXX XXXX XXXX. I have been making payments on this loan since, however this month I changed bank accounts and went to enter the new bank account number. I believe I may have entered the bank account number incorrectly due to my XXXX XXXX. I am asking that you do not mark me as late on my credit report for my one mistake. I am unable to work due to my health issues, and have a hard time making payments as it is, but I try very hard to make sure they are at least in before they would be considered 30 days late. I was unable to get help through the several emails I have sent, so this was my last resort.
Consumer complaint received 2018-04-05
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (LA)

Received a notice from a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX, Telephone Number XXXX, website : XXXX  executed by XXXX XXXX, Division Manager. The letter references an original creditor with the name " XXXX XXXX XXXX XXXX '' Original Account NoXXXX XXXX, MCM Account No. XXXX, Current Balance {$490.00}, Current Owner XXXX XXXX XXXX

I have never had a mortgage or any other type of loan with either " XXXX XXXX '' or " XXXX XXXX '' This is an attempt to scam me into paying a debt that I do not now, nor have I ever, owed.
Consumer complaint received 2018-07-25
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: Diversified Consultants, Inc. (TX)

I have disputed this account multiple times and XXXX removed the account after it was not validated and they have now allowed the account to be reported again on my credit profile. 

DIVERSIFIED CONSULTA Reported : XX/XX/2018 - {$170.00} Needs Attention Overview You've paid off 0 % of your collection amount. 

Balance {$170.00} Highest Balance {$170.00} Opened XX/XX/2018 ( 1 mo ) Account status Open Type No Info Responsibility Individual Account. 
Remarks No Info Original Creditor Name XXXX XXXX Closed No Info This is not my account. XXXX is continually allowing creditors who are unauthorized to access my information and this is against my rights.
Consumer complaint received 2021-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (OH)

On XX/XX/2021 I received notice that my escrow account was short {$3900.00}. Which this does not seem to be accurate. I then received my new monthly mortgage statement showing my new monthly payment was doubled and starting on XX/XX/2021 my new payment going forward is to be $ XXXX.I did some investigating and I believe the escrow shortage has been grossly miscalculated. The Specialized Loan Servicing company that is handling my mortgage now will not pick up the phone and I have remained on hold for over 30 mins each time I call and can not get through to anyone. I need help as I can not afford this new payment amount.
Consumer complaint received 2018-07-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Regional Adjustment Bureau, Incorporated (TN)

These people call several times a day to my home, my cell and my job. They have been asked to stop calling but keep call despite. They have to left any messages but will tell co-workers that they are a debt collection agency and they too, are being recorded. This has been going on for three weeks. The company name is RAB. They truly harass and will go as far as to speak to others about you in an unpleasant tone.
Consumer complaint received 2018-07-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (TX)

To Who it may concern, Ive been in bankruptcy since XXXX and my case was dismissed due to job loss. I filled out paper work with CitiMortgage in XX/XX/XXXX since I sent all my Doctuments since XX/XX/XXXX then they kept asking for other paper work and its an ongoing thang with CitiMortgage all I want is my loan modification if Ill be getting the help or not, my Point of contact has been telling me I qualify for the best loan mod but there is always an issue they never get my paper work or something is always missing. I have all the paper work I scanned and email or faxed I JUST CANT LOSE MY HOUSE
Consumer complaint received 2022-04-01
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. (GA)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-11-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (AL)

Account Name in question on report : XXXX/XXXX This account is continuously reporting charge off XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. This account should only report a charge off for the month of XX/XX/2021. This is having a substantial effect of me date of last activity which will show me when this account falls off of my report. 
I have reported several times that this account is inaccurate and all they have done was send me a letter stating that the account was updated or that it was accurate which obviously it is not. I reported this account to Experian and it came back on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. After disputing this account 5 times this year and having nothing done to correct the issue, which you can see in the document that I have attached from Experian. 
At this point, I do not want to waste anymore of my time or money disputing this information because they have had 5 time to actually verify and fix this information which they have not done so at this point the only way to solve this issue is to just delete the account from my report and send me an updated copy of my credit report with this account deleted.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I have made SEVERAL attempts to get this cleared up with Equifax but due to the EXTREME difficulty with naivigating though there phone system, it is nearly IMPOSSBLE! Today I received notice that my score dropped 33 points for an account balance that has been settled months ago. The account was settled and there is not balance owing. This is now my 3rd time attempting to make efforts to explain to them that the debt has been paid!
Consumer complaint received 2018-07-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (IL)

Currently on my 4th servicer ( Shellpoint ) after defaulting on our Mortagage due to unexpected loss in income. Chapter XXXX Bankruptcy filed and discharge occurred in XX/XX/2017. Serviciing of the loan transferred to XXXX in XX/XX/2017 and the only 2 modification offers were not sustainable and would have resulted in another default. Very little contact lately with Shellpoint, but have made several calls to a XXXX XXXX to inquire about a Shellpoint IN-House-Modification program or a Principal Reduction Alternative. I was informed via a loss mitigation affiidavit from a XXXX XXXX that I was eligible for an In-house-modification. To date, I have not received a call back from XXXX XXXX regarding my inquiry and how to possibly apply. There is a new owner of the loan and I am hoping they would be receptive to a creative solution to our problem to avoid a foreclosure.Our financial situation is improving since the Bankruptcy which I feel should be taken into consideration in order to come up with an acceptable remedy besides a foreclosure.
Consumer complaint received 2023-02-17
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is a XXXX XXXX XXXXXXXX debt with XXXX that a family member has XXXX  + I am only an authorized user. I have let them know the family member is XXXX, and written a cease and desist letter and they continue to harras me and come to my apartments to try and issue a court order for the family member It is beyond harassment- they have come to my knowledge from others 5+ times.

I mailed letter over 2 weeks ago and reported to XXXX and they replied, and yet I found out they came again today. 

They should be legally held responsible to stop harassing people, especially when it is not my debt, and in general, and this debt is over 4 years old so should be written off regardless. 

I. have the cease and desist letter and may share with media and describe their treatment.
Consumer complaint received 2018-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (SC)

I am an authorized party on the mortgage for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Their mortgage loan was with Wells Fargo until XX/XX/2018. Prior to that date, Wells Fargo approved a loan modification for XXXX and XXXX after they had made 3 required mortgage payments. Wells Fargo sent the Loan Modification papers which are dated XX/XX/XXXX and then sold the servicing of the loan to XXXX XXXX XXXX ( XXXX  ). I have called XXXX on five separate occasions to talk to them about the incorrect information they have in their system for XXXX and XXXX 's loan. The claim they have no record of me being authorized on the loan even though I faxed them the authorization along with power of attorney for both XXXX and XXXX, and the modification documents. After they stated they never received the fax, I emailed the documents. They claim they still don't have them and will not contact Wells Fargo to obtain the authorization. I have confirmation of receipt for both the fax and the email. Today when I called again to speak with someone and was told for the fifth time that I was not authorized I asked to speak with a supervisor. XXXX, the woman I spoke with said a supervisor would not be able to help me either. I told her I wanted to speak with a supervisor anyway. She transferred me to someone's voicemail. XXXX is violating the terms of the modification that was approved by Wells Fargo and also violating XXXX and XXXX 's authorization to allow me to handle their financial obligations. They are sending statements which have incorrect payment amounts and are also sending statements that XXXX and XXXX are past due, which is incorrect according to documentation received from Wells Fargo prior to the transfer of the loan. The XXXX loan number is XXXX The Wells Fargo loan number is XXXX