davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On my Transunion report it shows that I have two mortgages. I have one Mortgage with XXXX XXXX ( XXXX ) who services the loan. XXXX was the originator of the loan. I've called XXXX and they said it should only show one mortgage. But it shows two mortgages with a total of {$560000.00} balance. I have one mortgage with a balance of {$230000.00}. I can't get my home refinance because of this mistake. Need it updated ASAP!! 

Also on my Transunion, I had a personal loan with XXXX XXXX that I paid off in XX/XX/2020. XXXX  and XXXX  are reporting the correct information as being closed XXXX balance. Transunion hasn't updated there report since XXXX and it's now XXXX. They are showing a {$3500.00} balance. Please update ASAP!! 

XXXX  is not reporting my mortgage and my FICO score is hurting because of non reporting of mortgage. XXXX XXXX said that they send there updates to all 3 bureaus. XXXX  needs to update my report ASAP!!
Consumer complaint received 2021-12-02
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

Hello I am actually reaching out due to a account that was opened and is fraud with you guys. I have sent in supporting documents over three times now and still have no resolution. This needs to be corrected as soon as possible as it is affecting my living situation.
Consumer complaint received 2021-12-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (MI)

I had applied for forbearance XX/XX/XXXX and was granted a year and told to reapply in XX/XX/XXXX. Then last month XXXX times a day Im getting calls for Navient who is reporting all mg loans are behind which is not true due to all my loans are federal and there is also a pause by the government until XXXX not to mention I did forbearance till XXXX. They are calling my family, friends and my work. I have told them do not call many times I want communication via mail. The people are rude. They are calling for many numbers XXXX ( XXXX ) XXXX is the most recent one. Today starting at XXXX am so far I have received XXXX calls and its XXXX pm they will keep coming until XXXX :
Consumer complaint received 2022-11-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-11-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SELF-REPORTED XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

During the fall of 2019, I began receiving phone calls from XXXX XXXX XXXX, XXXX ( XXXX, XXXX ) attempting to collect a credit card debt previously held by Synchrony Bank. Initially believing this to be a legitimate debt owed, I spoke to a representative over the phone agreed to pay a settlement amount of {$1200.00} by XX/XX/2019. However, after checking my financial records, I realized that I had already settled this debt with the original creditor, Synchrony Bank, and the debt was paid in full. I received tax documents from Synchrony Bank and the discharged debt was listed as taxable income for the 2019 tax year. Despite this and despite the fact that I submitted records to confirm my payment to the original creditor ( settled with 3 monthly payments of {$540.00} paid XX/XX/XXXX-XX/XX/2019 ) as well as my 2019 tax documents, XXXX XXXX XXXX continues to report inaccurate information to credit reporting agencies, severely and adversely affecting my credit score.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account last activity was XXXX not XXXX 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NC)

I purchased a cellphone on ebay, for {$580.00} but it arrived cracked. The seller refused to help, so I opened a dispute with citi, the credit card I had purchased it on, and eventually the seller agreed to refund me, once I close the dispute. I reached out to citi who closed the dispute, but it still remained open with XXXX. each side is insisting that the other is at fault, citi claims they have passed on the information that the case is closed, XXXX claims that they haven't heard from citi so they can't close the case. I have called each side multiple times, who always blame the other. This situation has been the same since XXXX
Consumer complaint received 2019-08-13
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: SYNCHRONY FINANCIAL (TN)

There is an inquiry from SyncB on my credit report from XX/XX/2018. I never applied for any type of credit with this company EVER. I've sent them a certified letter asking them to have the inquiry removed from the credit bureaus but they've refused to do so. They have no validation showing that I applied for credit. This is negatively impacting my credit worthiness and I want the inquiry removed from the credit bureaus IMMEDIATELY. Thank you.
Consumer complaint received 2021-05-06
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC (AZ)

On the XXXX of XX/XX/2021, I applied to NewDay USA to refinance my home and take advantage of the equity I have available to me. However, I found out today, XXXX XX/XX/2021, that the underwriters were not willing to approve my loan application. Im currently using XXXX XXXX as my mortgage lender, and have been perfectly happy, but after seeing ads for NewDay online and in mailings, I decided to pursue things with them. I gave XXXX XXXX XXXX my account executive ) all of the information to proceed - paystubs, W2s, VA eligibility documentation - the whole kit and kaboodle. The plan was to refinance for 30 years, and pay off a significant amount of credit card debt. But because I took advantage of COVID relief programs legally available to me, and subsequently doing a loan modification, NewDay declined to have me as a customer. 

What is morally and utterly reprehensible is that someone who ( along with millions of others ) didnt know what COVID was going to do for their livelihoods and careers/jobs, partook in the generosity of their lender to take part in a forbearance option. I was in forbearance for 6 months, and at the end, took part in a trial modification for three months, which led to my current loan. But because NewDay didnt like the fact I did all of those things - all of which any smart person would do in times of uncertainty - they opted not to continue with the processing of the loan. 

NewDay and its underwriters need to change their practices to not look negatively at someone making the right decision for them when it comes to their home. Ive never missed a payment, and have always treated XXXX XXXX XXXX XXXX XXXX  right, but NewDay didnt view it that way.
Consumer complaint received 2019-08-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (VA)

I have a mortgage with Ditech Financial on my residence purchased in XX/XX/XXXX. I declared bankruptcy in XX/XX/XXXX however remained in the property and made my payments as agreed.

As a XXXX   I was called back to XXXX XXXX on XX/XX/XXXX for one year. I notified Ditech about my XXXX and this would effect my ability to make payments. I provided Ditech a copy of my XXXX XXXX which they acknowledged receiving.

Ditech proceeded to foreclose on the property and has handed the property over to XXXX XXXX ( XXXX  ) XXXX, and ( XXXX  ) XXXX to proceed with foreclosure. I am requesting they stop the foreclosure proceedings allowing me my protections under SCRA.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (FL)

Case XXXX I was scammed by a credit repair company between XX/XX/XXXX and XX/XX/XXXX, and I filed a claim with my financial institution -TD Bank -- in XX/XX/XXXX. I wanted to ensure that justice was served cause I was undergoing an urgent crisis when I BORROWED MONEY to have this company clean my credit. So I filed a claim and submitted everything ( almost 30 pages worth of material ) to the bank with all proof including corresponding emails, electronic receipts, everything.

I was completely unaware that they would issue a provisional credit. But I was confident that there would be no errors since it was crystal clear what had occurred. Not only did I receive a mail letter stating that they received nothing from me after I wasted my time at a local branch to fax all these pages.But I submitted these documents for a second time only for TD Bank to mail me another letter on XX/XX/XXXX stating that " Based on our investigation, we have determined that an error did not occur. The reason for this decision was based upon the following : You must resolve this matter directly with the merchant. ( If your account was previously credited, it will be reversed on XX/XX/XXXX ( including any fees and/or interest that were also credited ) ''
Consumer complaint received 2021-12-02
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. (IL)

I mailed disputes to XXXX, XXXX and transunion on XX/XX/21 because there were some incorrect items reporting in my credit reports from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX. I requested the verification of the account and in accordance to section 609, a copy of the signed credit applications and payment histories for the accounts but, I never received a response so on XX/XX/21 I send another request for disputes to all 3 bureaus. No response again and I sent another set of disputes to all 3 bureaus on XX/XX/21, and again no reposonse. I sent another 3 disputes to XXXX, XXXX, and transunion on XX/XX/21 and again no responses. Another 3 disputes sent out to each of the XXXX credit bureaus on XX/XX/21 but, at this point, since I haven't received 1 response yet, I'm not expecting to hear back... which is very disappointing since I know there's a law saying that the credit bureaus have 30 days to respond and it's now been about 6 months and I haven't received one response. I would like the CFPB to remove all of the accounts that I have been disputing for the last 6 months from my credit reports because the 3 credit bureaus have violated the law and not completed their investigations accordance with the FCRA. I am attaching a copy of my ID and social security card so you can verify my identity. Please also fine the credit bureaus the maximum amount allowed by law for ignoring the law. My next email is to my congressman and I will not let this issue go.
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Dear Sir or Maam, I am taking this time to write you in reference to updating my personal information with your company. 

Please update my address in your records to the address listed below : XXXX XXXX XXXX XXXX XXXX, PA XXXX Please update to my full legal name : XXXX XXXX XXXX This is the only SSN attached to my name : My only correct date of birth is : Please remove all phone numbers on my credit report. 

Please remove all the other addresses off of my credit report as I am a Victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX ( Remove ) The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2024-02-03
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. (NC)

I have negative items on my Experian report that are inaccurate and have been removed from both XXXX and XXXX as such, however Experian will not remove these inaccurate items and will not allow me to dispute further.
Consumer complaint received 2021-05-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (FL)

I leased a BMW car from BMW Financial services in XX/XX/2019. During the Corona Virus lock down, they offered me two forbearance on my lease which I accepted. I applied for at loan at my bank in XXXX of this year and they denied me and made me aware that BMW Financial reported that I had three missed payments and late payments,. I reached out to them and they told me they did not report anything to the credit bureau.
Consumer complaint received 2017-12-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TN)

XXXX XXXX taxes garnished as payment for a loan that falls under student loan forgiveness. XXXX univeristy is closed for predatory practices and now Navient is a co-conspirator. I was unable to finish college in XXXX due to my 'credit line ' was maxed out and could not re enroll. No transfer of credits until final balance is paid. 
My transcripts are still held hostage to this day. 
I will not pay them a XXXX cent. I can not go back to college with the way they left me. Its now 8 years later and theyre taking everything. 
Next step in mail is garnishing paychecks. I refuse to allow someone to forcefully take my money over a debt that I was lied, tricked, decieved into believing would be payable after earning my degree.
Consumer complaint received 2019-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (WA)

Our mortgage is serviced by Roundpoint Mortgage Servicing Corporation. Our residential earthquake insurance was set to renew XX/XX/2019. This bill is paid out of our escrow account. On XX/XX/XXXX, we received a notice of cancellation due to non-payment of premium from our insurer, XXXX XXXX XXXX ; our policy was set to cancel by XX/XX/XXXX if not paid. I called Roundpoint the same day and was told that they had mailed a check on XX/XX/XXXX and provided a check number, but they were unable to tell me whether that check had been paid by their bank. I called XXXX XXXX XXXX, and I was told that they had not yet received payment on our account. I called XXXX again, and they said they would attempt to trace the payment, and they would have more information within 3-5 business days. I said I would call back the following Thursday. 

On Thursday, I called Roundpoint again and was told that the check for my premium payment was sent not to XXXX, but XXXX, which I believe is the underwriter. The check covered not just our premium, but premiums for some 59 loans, and the check exceeded {$70000.00}. They still were not able to tell me whether the check had been paid. I called both XXXX and XXXX, and neither had received a check with that check number or for that amount, or anything approximating it. 

On XX/XX/XXXX, I called XXXX and learned that the payment still had not been credited to our account. I paid the entire premium myself with a credit card. On our most recent mortgage statement, XXXX deducted {$420.00} from our escrow balance for our insurance payment, but has not accounted for that amount, and has not been able to even determine that the check they issued was deposited by the insurance company or that they provided remittance advice including our insurance account number ( which would make the matter the insurance company 's responsibility ). I am now out {$420.00} paid out of my own pocket, plus the {$420.00} deducted from our escrow account.
Consumer complaint received 2021-05-25
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: Experian Information Solutions Inc. (LA)

I HAVE SUBMITTED MY FTC REPORT TO EXPERIAN 10 TIMES AND THEY REFUSE TO DELETE THIS FROM MY CREDIT FILE. I HAVE SENT OVER SEVERAL SUPPORTNG DOCUMENT AND LETTERS AND THEY STILL HAVE NOT DEALT WITH THIS ISSUE
Consumer complaint received 2021-05-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TN)

To whom it may concern, My name is XXXX XXXX. XXXX # XXXX XXXX Midland Credit Management Inc XXXX MCM is suing me for a credit card debit. I was served on XX/XX/XXXX and was summon to show up in court on XX/XX/XXXX. Then I received a letter stating that the court date has been moved to XX/XX/XXXX. 

I have a dispute and have requested information from a creditor Midland Credit Management Inc. I have not received any information from this company and I requested this information on XX/XX/XXXX. We have a court date of XX/XX/XXXX and I still have not received any information. I have a post office receipt showing that the company received my letter. 

The following information is being requested from MCM. 
**a signed copy of the contract/agreement with my signature stating that I have an agreement with Midland Credit Management XXXX copy of all documentation/paperwork for the XXXX XXXX account showing how the charge amount totals to {$6200.00}. 
** signed documentation showing that I give XXXX XXXX permission to sell my personal information XXXX a copy of the bill of sale and the purchase price that the debt collector paid for the debit and the date the debit was purchased. 

My contact information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Thank you XXXX XXXX
Consumer complaint received 2019-11-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (WI)

Have contact chase 4 times since XX/XX/XXXX2019 to close account. Was told it would be closed and funds would be received within 7-10 Checking account funds of approx {$2000.00} have not been received. Each time i inquire I get the same standard response. Have contacted them on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. They have been little to no help, and now my account is showing closed yet I do not have any funds. Unable to now access any account statements online either ... Please help!
Consumer complaint received 2021-03-29
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: Experian Information Solutions Inc. (CA)

On XX/XX/21 a collection account was placed on my credit report for {$200.00} dollars. I was never notified about the account until I called XXXX XXXX XXXX, spoke to a representative named XXXX and she wasnt helpful at all or gave any informal regarding this account. I have no knowledge of this account and I am a victim of identity theft. I want this resolved immediately, this is affecting my credit history.
Consumer complaint received 2019-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Tried to contact credit bureaus about this issue I have with this company on my credit report, its showing different montly balances, and different account balances. I want this account removed from my report ASAP!