davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX You are in Violation of The FCRA You must supply to me the method of your investigation and VALIDATION not verify everything. 

You must remove the Fraud alter from my credit profile!!! 

YOU ARE placing a fraud ALTER ON MY CREDIT REPORT I DID NOT REQUEST IT!!! 

THIS IS A SCAM NOT TO DO YOUR JOB, WHEN YOU PLACE AN ALERT TO DO N'T HAVE TO INVESTIGATE!!!!! 

I request the method of verification, under the FCRA section 611 ( a ) ( 7 ). 


Escalate his call to a supervisor do not use the e-Oscar. System You must update my credit score!!!!
Consumer complaint received 2016-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I sold my XX/XX/XXXX XXXX on XXXX XXXX, XXXX as a short sale. Experian reports this as a settlement. I have a " LETTER OF DEBT FORGIVENESS '' from XXXX XXXX XXXX. Also I live/rent now in a XXXX center ( XXXX XXXX @ XXXX XXXX XXXX in XXXX, California XXXX ) & Experian has me living in XXXX. I have no past due bills & do n't owe anyone/anybody money and have had credit for over 50 years.My XXXX XXXX " FICO '' score is listed at XXXX. Something crooked is going on at this Experian Corporation headquartered in some Foreign country. They claim my payments are XXXX % which is a complete lie. Can you help me in fixing these white-collar criminal activities. Thank you for any consideration in this matter. XXXX XXXX XXXX PS : I am almost XXXX, XXXX & an a XXXX Veteran. I will be mailing in some documents to you.
Consumer complaint received 2015-08-01
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (OR)

Experian 's freecreditreport.com requires you to sign up for a {$21.00} per month membership to see my FICO credit score. I can sign up for the service online, but must call to cancel it. When I call, I am left on hold for long periods of time before being disconnected. This has happened XXXX times. I have yet to reach a customer service representative to cancel my " membership. ''
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (WA)

In a recent dispute, Experian stated the recent balance was updated to {$6400.00}. They also verified that the information you are reporting was verified. How is this possible? 
They are allowing this company to furnish an incorrect balance. The balance needs to show {$0.00} because this account was paid in full by the asset protection insurance attached to it. Please correct to {$0.00} or delete this account immediately. 
This is a false and misleading tactic used by the creditor and is it illegal.
Consumer complaint received 2015-06-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX, 2015 I mailed a dispute to Experian and approximately 27 days later I got a response stating : " we have received a suspicious request regarding your personal credit that we have determined was not sent by you. We have not taken any action on this request. An future request made in this manner will not be processed and will not receive a response. '' I was very disappointed and took to the internet to research this. It seems that Experian is doing this to everyone. However, on XXXX XXXX, I mailed a registered letter explaining that the letter was not fraud and to please process my claim. As of XXXX XXXX XXXX today ) I have not heard from them. Now Im wondering how do i remove errors froom my report as they are refusing to process my disputes?
Consumer complaint received 2015-03-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Computer Credit, Inc. (FL)

Enclosed I have XXXX medical Bills that was file in our Bankruptcy Petition on XXXX/XXXX/2015, and we are still receiving debt collector letters. 

Our bankruptcy case # XXXX XXXX District of Florida
Consumer complaint received 2017-02-03
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION (FL)

First mortgage with XXXX is current. 
BB+T is forcloseing on a HELOC, and I have prodigy reality representing me at this time. 
Bb+ t has a value of {$310000.00}, after over XXXX showings, no one is coming to the minimum threshold sale price of {$300000.00}. 

I would respectfully request bb+ t, to order an independent appraisal, and based on the results, potentially lower net amount amount bb+ t will accept, or modify my our HELOC. 
It was never our intention to loose our home. We love living here. 

XXXX Is our mitigation specialist. Cell XXXX. XXXX, Florida XXXX
Consumer complaint received 2016-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: GUARANTEED RATE INC. (AZ)

I applied for a mortgage refinance with Guaranteed Rate, Inc in order to refinance my primary home ( XXXX XXXX, 2016 ). During this time I worked with a mortgage banker for their company in order to get a good rate for refinance. 

In the course of doing business with them, it came a time where the company refused to give me an updated Loan Estimate unless I completed a {$400.00} appraisal deposit to " move to the next step in the process. '' I paid that fee ( XXXX XXXX, 2016 ) and still was not able to receive the updated Loan Estimate. Due to this I decided to cancel my application with the bank and go with another provider who was more willing to work with me. 

After I cancelled my application with them, I was told that I would receive back my deposit, as the appraisal was never completed. I was told that it typically takes up to a week to receive back the deposit. As of today ( XXXX XXXX, 2016 ) I have yet to receive back the {$400.00} that I paid in deposit to this company.
Consumer complaint received 2016-04-26
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Sierra Holdings LLC (TX)

Sierra Finances calls my relatives every single day. Each time disclosing all my personal business. They call my XXXX year old grandmother everyday and try and scare her into giving them my number, which they already have. Hey called me on yesterday at my jib4 times in a row. I have already told them I am not allowed calls and to cease and desist. I told her again yesterday and she over talented me and told me that is irrelevant. She just kept talking on the line that my manager was on listening to my personal business. She also talked to XXXX different people before me and was told I can not receive personal calls.
Consumer complaint received 2017-03-28
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 360 MORTGAGE GROUP LLC (MS)

360 Mortgage has made several billing errors regarding my loan XXXX. The mortgage company is reporting various amounts due in the past 5 months. The company has violated the Fair Billing Act and Fair Credit Reporting Act. The company has added default cost of {$100.00}. My loan was on a repayment plan from XXXX through XX/XX/2015. The representative 's XXXX and XXXX stated it was due to the company having to send someone to my house to verify residence. I asked the representative 's to submit me proof or remove the charge from my statement and they stated they could not. The company has continued to call several times a day and harass me to about paying the amount. The company has sent me a statement that my payment amount will be increasing by {$43.00} due to " escrow shortage ''. I just increased my deductible for my insurance and XXXX refunded 360 Mortgage Company {$240.00} 3 days ago and lowered my premium. The representative XXXX stated my insurance premium increased and that was the reason for the increase payment. This is a deceptive business practice to get monies from me.
Consumer complaint received 2017-02-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (NJ)

I submitted a list of unauthorized charges to Barclays bank. They did an exhaustive review and I have a recorded conversation that revealed they reviewed the charges and agreed that the charges were unauthorized. They further sent a letter saying the same that the charges were unauthorized. Late in the game, some adjustor named XXXX stepped in and decided out of the blue that all of the charges were legit and reversed all the credits a previous adjustor found unauthorized after that previous adjustor reviewed for months ( XXXX reviewed for 72 hours ). Over the phone XXXX said it was because of the fact that the charges were XXXX charges and that on my XXXX profile there 's a photo of my wife and I in XXXX ... .Well yes, XXXX that is accurate. 18-24 months before the unauthorized charges took place, i proposed to my wife in XXXX ( I did n't know that was illegal or that deemed someone allowed to use my credit for unauthorized use at their leisure after the fact and I foot the bill ). There is a clear time stamp on this photo in XXXX which I willingly faxed to XXXX. I, also to show XXXX I was n't in XXXX when the charges took place, faxed him a copy of a doctor 's report for my ongoing XXXX case that clearly shows I had a doctor 's visit in XXXX when charges took place in XXXX.
Consumer complaint received 2017-02-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: BARCLAYS BANK DELAWARE (CA)

Barclay Bank reports account XXXX as derrogatory/delinquent on my credit report. I have sent a request on XX/XX/2016 and XX/XX/2016 requesting validation of debt, otherwise, Barclays must remove the reports from all XXXX credit bureaus. Barclays received my certified letters on XX/XX/2016 and XX/XX/2016. On both occasions Barclays was unable to validate my debt, however noted on my credit reports as " disputed '' or " consumer disagrees '' but it never provided evidence ( validation of debt ) of the debt belonging to me. A letter indicating they are researching or a computer print of credit card bills is NOT validation of debt. A validation of debt must bear my signature of said contract. Barclays failed to so in a timely matter. I have requested numerous times to remove the invalid information on my credit reports but Barclays have neglected to do so.
Consumer complaint received 2016-11-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MS)

I am disputing a public record on my credit reports with all XXXX credit bureaus on verifying bankruptcy information on my credit reports. I have submitted letters asking all three bureaus verify this public record and " send me copies of the documents listed in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). '' I stressed the fact that " Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted '' I asked for copies of how they verified the information, who they spoke with, etc. The letters were sent to Experian, XXXX via certified mail. I 'm not sure if proper process was followed, but the only response I received was a letter stating that the accounts were verified. My initial request for documentation was completely ignored. I personally sent a letter to the US Bankruptcy Court and asked if my case had been verified by them and with whom they had spoken with and I was informed that they do not provide case information to anyone, including the credit bureaus. It is also my understanding that Under FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), unless I have authorized The Bankruptcy Court, Trustee, XXXX, etc to furnish any information pertaining to me to any third party or CB, they can not do do. So, how has my information been verified? If they have not verified the information or can not verify such said information and send documentation as requested, it must be deleted immediately. Experian, even basically told me that my dispute had been previously processed and they would not dispute again unless new information has been sent in. I was under the impression that they were supposed to dispute information as requested. This information is damaging to my reputation and credit worthiness.
Consumer complaint received 2016-05-26
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: GUARANTEED RATE INC. (IN)

Please investigate mortgage loan application # XXXX with Guaranteed Rate. The loan officer, XXXX XXXX and his boss, XXXX XXXX have refused to following federal/state guidelines concerning employment and grant assistance. Specifically, XXXX and XXXX XXXX XXXX, 2016 responses regarding XXXX full time employment requirement are inconsistent with the XXXX income regulations. Guaranteed Rate has misled me ( and Seller ) with pre-approval process. The company has discriminated against me by refusing to honor Indiana 's XXXX XXXX XXXX assistance program. In reliance of Guaranteed Rate 's misleading statements and invalid pre-approval documents, I spent {$450.00} on appraisal fees, and {$3000.00} in down payment expenses.
Consumer complaint received 2017-01-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Cadence Bank (TX)

Bancorp South Mortgage upgraded its computer system and forced all customers to re-register their account. I need to change the direct debit account on my mortgage because I changed banks for my checking account. I called the bank/servicer to ask for assistance and they said to log-in and do it online. When I try to register the online account, it says I must click the verify link in a confirmation email. The email never arrives ( I have checked the junk and spam folders ). I have attempted this numerous times and I am unable to access my account and customer service wo n't otherwise assist with changing the account. If they try to continue drafting from the current account, it will overdraft and I ca n't stop it. Please help.
Consumer complaint received 2017-01-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation (AZ)

The Penn Credit Corp has constantly been calling my home for some time ( 24 calls since I began counting XX/XX/XXXX ). These are mostly hang up calls that register on my caller ID system. Penn Credit has left only two messages on my answering machine. These messages are vague and require an action from the listener ( " Hello. I have a message concerning important personal business. To receive this message in English, press one. '' ) When I looked this company up, I found them to be a debt collection agency. 
I am a single woman and responsible for my debts and those alone. I only owe money on a mortgage and that is up to date. I have never been late or delinquent on bills. I have never walked out on a debt ( retail, utility, medical, car, taxes ). I can only assume XXXX of XXXX things about the calls from Penn Credit : 1. These calls are for another unnamed person and Penn Credit has an incorrect/outdated telephone number on file. 
2.These calls involve some kind of scam or an illegitimate attempt to collect a debt I do not owe. 
Since I have never received anything in writing from Penn Credit Corp, and I presume that would be the initial form of contact, I believe # 1 to be correct. Therefore, let it be known, that I will never answer Penn Credit 's calls, respond to their messages, or call them back. They have a wrong number on file.
Consumer complaint received 2016-06-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Penn Credit Corporation (NJ)

I was never given a chance to dispute the debt. I did not know about this debt and was never given the chance to pay it. They had a wrong address on file and never sent me anything just reported to my credit report.
Consumer complaint received 2016-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

I Submitted a Family Court Order From Support Magistrate ; XXXX XXXX XXXX Dated XXXX XXXX, 2015 ( Docket # : F- XXXX, XXXX # : XXXX ) To Experian Asking Them Too Remove XXXX Account Information From My Credit Report. I was Told In The Dispute Answer They Could Not Use The Court Order. I Submitted The Same Order To XXXX and XXXX Credit Reporting, and The Both Removed The Idem From My Report History!
Consumer complaint received 2016-05-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NJ)

I am the co-signer for my son 's XXXX private student loans, and I am the primary signer for XXXX Federal loan l, all XXXX loans with Navient. I paid off XXXX of the private loans and the XXXX Federal loan. The Navient website for the paid off loans reflect a paid-off date of XXXX XXXX, 2016. Due to a delay getting the checks to the correct address within Navient, regular monthly payments occurred which in turn, caused the amounts paid to be greater than the outstanding balance. Consequently, there are now credit balances on the XXXX loans I paid off. So I called Navient to inquire about how and when I would receive the refunds of the overages. What I was told is that it would take XXXX to 60 business days for me to receive the refunds. As I found that answer unbelievable, I called Navient more than once to verify that answer, asking each time I called I why it takes so long. The answers were somewhat vague, but in essence they said they had to make sure the account was paid off, after which they would need to generate a paid-off letter to mail to me. The refund amount owed to me is over {$1300.00}. How absurd to have such a long waiting period! What that does is to give them the use of my money and prevent me from having the use of my money. During the XXXX to 60 day waiting period, they still collect monthly payments since the accounts are not officially closed, which means the refund amounts will continue to grow. If I stop paying, then I run the risk to being tagged as late or worse, which in turn affects my credit rating. In my opinion, their delaying tactic is a form of thievery, particularly since they will not pay me any interest for having the use of my money during the waiting period. What do you think?
Consumer complaint received 2016-12-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (UT)

I am writing in regards to Experian. I was disputing a couple items on my credit report and the are not providing me with results. They keep sending me a letter that states " they have inaccurate social security information ''. I have sent them proof of my identity like they asked multiple times and they have not fixed the issue. I have tried to call and none of the numbers will get me to someone. My social is correct and they need to provide results for my disputes and ensure they are reporting accurate information.
Consumer complaint received 2015-06-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (IL)

I mailed my first letter to Experian XXXX XXXX, 2015 and about 20 days later I received a letter from them stating that : " we have received a suspicious request regarding your personal credit that we have determined was not sent by you. We have not taken any action on this request. An future request made in this manner will not be processed and will not receive a response. " I immediately sent them a letter explaining that it was not suspicious and how offended I was by the letter and recieved no response. I called them and gave them a list of items to dispute with explainations. They refused to use my explainations ( verifcation and validation ) stating that they were not valid reasons, they would only allow me to say not mine, wrong balance, wrong account number ... After waiting 45 days I still had no response and once again I called them. They said they had finished the investigation and that I should have received the results but I did not and that they would mail it again. They did and I sent another letter mid XXXX asking them to investigate once again and they refused stating that : We have not taken any action on this request. An future request made in this manner will not be processed and will not receive a response. " Experian is violating my rights and the rights of others to dispute and correct errors on our credit reports. Is there anything that can be done to put a stop to there ridiculous tatics? 

Please help! I can be reached @ XXXX
Consumer complaint received 2016-02-10
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

I am XXXX XXXX XXXX during the month of XXXX XXXX XXXX I purchased a XXXX Nissan Versa from XXXX and my car loan was handled by XXXX. I have recently become aware of the fact that allyauto has been ordered to pay back customers that were profiled and charged higher interest rates because of race and ethnic background between the years of XXXX. Being that I am a XXXX citizen and I acquired a loan through XXXX i am concerned that I may have been a victim of this XXXX way of business.
Consumer complaint received 2016-02-09
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (MS)

I co signed a car loan with my husband XXXX XXXX. He died XXXX XXXX they had repossessed the vehicle XXXX XXXX we both get a cancellation of that for XXXX that 's what we owed on the vehicle. if we were to file that it would be XXXX. i thought they were supposed to sell the vehicle and we would be responsible for the remaining balance, i sent XXXX of the XXXX 's but i could n't find the other XXXX in the same amount to XXXX XXXX
Consumer complaint received 2016-08-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

I had the mortgage with XXXX XXXX XXXX, I had an agreement to pay extra money each month for the late balance, they sold my mortgage to Nationstar mortgage XXXX XXXX XXXX dint pass on the agreement and Nationstar want the all late balance at once.
Consumer complaint received 2016-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NC)

Experian has repeatedly sent me purported statements to " confirm '' my address change. I have submitted no address change since updating my address to XXXX XXXX XXXX XXXX # XXXX ... It appears that Experian changes my address at their own discretionary whim, with absolutely no verifiable reason and against credit reporting and accuracy standards. The frequent unauthorized changes of my address can possibly communicate fraud to my creditors, current and/or prospective. This is ridiculous. At one point they even changed my address to a Kentucky address. The letter was actually stated in a manner, " confirming my request to update my address. '' When I asked for said letter that I purportedly sent to change my address to said Kentucky address, they never answered. Experian has also " admitted '' that there was a security breach via XXXX.