davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (FL)

Had difficulty contacting student loan grantor to submit forbearance/deferment request and representative at my college institution was not properly assisting me in getting the forbearance/deferment request submitted. I initially tried to contact school and loan grantor to set up arrangement in XX/XX/2018 and did not manage to get forbearance/deferment completed, accepted and posted until XX/XX/2018. Due to this the loan grantor reported on my credit that i was delinquent on each student loan debt as the full amount is currently broken up into parts on my credit report. The forbearance/deferment request was accepted and on my credit is says that i was late to make the payments however this was not due to my own negligence but rather was due to the loan grantor and school not assisting me in a timely manner to get the request processed.
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 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 a account without my written instructions
Consumer complaint received 2017-08-14
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: SYNCHRONY FINANCIAL (NY)

I have wrote numerous amounts of letters as to proof or actual application to the inquiries since I am a victim of identity theft and dont recall applying for these accounts. I also wrote to the major credit bureaus and nothing has been resolved
Consumer complaint received 2015-10-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Platinum Holdings Group, LLC (CA)

Received a call from Premium Assets Services about a very old account that they wanted paid from a Jewelers. I was told that they wanted to have this account closed by the end of the year and whatnot, I told them I had no way of paying it. They threatened to take legal action and was very verbally abusive after I asked them to not call my Mother 's residence. XXXX XXXX was the joke of a man that I was speaking with, and started saying how well your Mother thought she was raising a good citizen, but obviously that 's not the case here. I am furious and my Mother is elderly and sick and does not need this whatsoever. I am a grown adult and my finances and money troubles are my own.
Consumer complaint received 2023-04-08
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. (FL)

Hello, My name is XXXX XXXX XXXX. I reside at XXXX XXXX XXXX XXXX XXXX, Fl XXXX in XXXX XXXX XXXX I am writing this complaint because Transunion, LLC., has violated many consumer protection laws including preparing and reselling inaccurate information. Transunion, LLC., does not have permissible purpose from either XXXX XXXX XXXX XXXX the Consumer in which this Consumer Report relates, nor has a court issued an order to furnish such inaccurate information. Furthermore, as of XX/XX/XXXX, it took Transunion, LLC., 33 days to conduct a reinvestigation. Which is outside of the 30 days allowed to conduct a reasonable reinvestigation pursuant to 15 U.S.C 1681i ( a ) ( 1 ) ( A )., This was previously disputed with Transunion, LLC., therefore, Transunion , LLC. , needed to conduct a reinvestigation upon Notice by XXXX XXXX XXXX XXXX This information was not verified by the end of XX/XX/XXXX, which would have been the end of the 30 day period allowed since Transunion, LLC., received notice of this dispute on XX/XX/XXXX.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX TRANSUNION i opened dispute on XX/XX/XXXX. The disputes are as follow as i put them above. The reason for it is because he already open up a dispute prior to the complaint : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX TRANSUNION Today is XX/XX/XXXX and we have proofs that the bureaus have violated the same FCRA rules again. i have included inmage that the creditors involve in the complaint have violated Metro 2 Compliance Violation ( Not updating dispute status ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A Metro 2 Compliance Violation ( Not Including Creditor Contact Information ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A Metro 2 Compliance Violation ( Incorrect or inconsistent Account Number ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A
Consumer complaint received 2022-02-04
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. (NJ)

I am writing to delete the following information on my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I've asked for the past seven months that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commissions and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-07-20
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. (NJ)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law... Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge... 

XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2016-05-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Advanced Collection Bureau, Inc. (FL)

The account that is being collected from a XXXX XXXX XXXX from the advanced collection Bureau in the amount of {$480.00} is not my debt. I did not have services with this company and ask that this false information be removed from my credit report immediately.
Consumer complaint received 2015-11-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have sent in a dispute to TransUnion concerning the inaccurate reporting of accounts of my credit report and i have not received back any correspondence. The items listed on my credit report where discharged in a bankruptcy. XXXX XXXX # XXXX. XXXX XXXX # XXXX Bal {$5700.00}. this account was not properly updated. XXXX XXXX # XXXX Bal {$550.00} discharged in a Bankruptcy not properly updated. There have been several complaints and no feedback whatsoever so now I am officially filing a complaint with the Bureau of Consumer Financial XXXX.
Consumer complaint received 2020-09-10
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. (TX)

I have disputed the inaccuracies on my credit reports XXXX XXXX and TransUnion XXXX. When I requested that they show the validated that the bankruptcy was accurate the credit bureaus said that they did validate. I personally went the XXXX XXXX where my bankruptcy was done and they wrote a statement saying that they don't validate any personal information to the credit bureaus. The credit bureaus allow these outside companies to lie and harm other people credit by stating that their information reporting is accurate which is not true.
Consumer complaint received 2015-08-27
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo acting as the Servicer of this mortgage has failed to meet all of its requirements under XXXX and is attempting to illegally foreclose on my personal home by selling it at auction on XXXX/XXXX/2015. The direct violation of XXXX law is based on Wells Fargo improperly and unfairly reviewing my loan modification request for relief. I have submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times. In addition, Wells Fargo has repeatedly denied me help and I never get a single person to answer my questions honestly or directly. They always have hundreds of people pass of my file amongst each other just to create motion and delays. I intend to keep my home and I meet all eligibility criteria. They have never offered any help or relief and continue to threaten to take my home. Wells Fargo Mortgage illegally commenced and is conducting a foreclosure without attempting to find workout relief options for me. They have mishandled my documents and my file several times and failed to properly communicate with me throughout the process. they simply wish to foreclose and kick me out onto the streets. they have clearly violated XXXX specifically under the ''dual tracking '' clause. Wells Fargo instructed and allowed foreclosure trustee named XXXX XXXX XXXX, and XXXX XXXX to illegally start foreclosure on my property. 
The Wells Fargo and know your rights website gave the result that I am eligible for a loan modification with the lower payment to save my property. So there is no reason why Wells Fargo should have denied my request or started foreclosure on my home.
Consumer complaint received 2015-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I received a letter from XXXX XXXX saying that they think that someone may have been opened a credit card account using my personal information. I made a personal credit report from Trans Union and I saw that someone has my name but different address.
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX placed my account with collection agency, XXXX XXXX XXXX, P O Box XXXX, XXXX, Fl XXXX, for breaking a 24 month contract which I never had. Going into the contract with XXXX I was told that it was for twelve months, which was honoredXXXX at no time told about this ridiculous 24 month contract which I would never have gone into if that was disclosed. I returned the equipment to XXXX as they requested. The amount reported to the Credit Agency is {$580.00}.
Consumer complaint received 2022-02-04
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: ALLY FINANCIAL INC. (NC)

Thank you for taking the time to review my credit file. 
I did not give permission to the following companies to pull my credit report. 
When I contacted them each by phone call, they were not able to pull up any information on me with my social security number, date of birth nor name. In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. 

ALLY FINANCIAL XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - NON SPECIFIC INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX AXXXX XXXX XXXX  INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX RE : DISCREPENCY ON CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX ALLY FINANCIAL XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX  - NON SPECIFIC INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE XXXX XX/XX/XXXX XXXX XXXX XXXX  INQUIRY DATE : XXXX XXXX, XXXX REMOVAL DATE XXXX XX/XX/XXXX RE : DISCREPENCY ON CREDIT FILE XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX Thank you for your time and attention to this matter. I look forward to hearing from you soon.
Consumer complaint received 2024-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC (NY)

I missed 3 mortgage payments back in XX/XX/XXXX to Selene Finance for my home payment. In XXXX I attempted to make payments to " catch up ''. they would not allow any less than 4 payments even two payments or even 3 per their " rules and guidelines '' I then attempted to get a modification XX/XX/XXXX... ..during this process I was not allowed to make any payments except the full arrear balance which compiled monthly as did fees etc. Selene finance takes 30 days to respond to any inquiry or if any information is needed or a page is not initialed etc they have 30 days to respond. I have several email requests stating my case and my fears of fees accruing and the risk of default and or foreclosure. I was not given a modification until XX/XX/XXXX which is 8 months after I applied. During that time, they filed for foreclosure, index number, threats, stress, pressure, weekly drive by and hit our family dog with their truck, damaged our property and yard and continued to assess legal fees hoping I would surrender the home. I hired a lawyer to help me in XX/XX/XXXX and by XX/XX/XXXX I paid the requested amount of {$25000.00} in which only {$23000.00} has been accounted for on my statements. I attempted to make my monthly payments online with no success, I tried calling Selene and it is impossible to reach a live person. I have requested a live person for 90 days now with zero assistance. I have managed to pay XXXX, XXXX, XXXX payments online but I can not reach Selene Finance to discuss my loan or to discuss removing late fees as i was unable to process a payment through their requested online payment system. It is 100 % to reach a live agent ......
Consumer complaint received 2018-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I received a modification from XXXX who sold the loan to Select Portfolio Servicing Inc. on XX/XX/XXXX with last effective on XX/XX/XXXX rate 3.62 % payment amount {$1300.00} of however the services has which term payment amount to {$1400.00} effective XX/XX/XXXX wi4h a letter threating foreclosure on a debt that has been and discharge by bankruptcy and will not permanently modify the loan and continue to have the loan in an negative amortization attached as condition and after discharge it has not been modified prior to select portfolio services the loan and will not provide proof of modification contract, term and condition has changed with out.
Consumer complaint received 2017-05-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Senex Services Corp. (NJ)

senex collection agencies has never notifed me of out standing medical debts they have me listed as derogatory on a ll   XXXX   credit bureaus  I have 100 % fullcoverage medical insurance Senex issue is with medical providers and not me the patient I have never recived an bill from them, additionally senex is trying to double bill, the medical provider was paid by insurance and now   XXXX   is attempting to recive additional monies!     they are unethical and hurting my fico score
Consumer complaint received 2015-07-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (GA)

A certified brokerage inheritance check for XXXX was deposited on XXXX XXXX of this month, 2015. I was given a receipt and told the verification period typically took 24 hours, and if issues arrived I would be notified. 2 days later with no funds and no notifications, I decided to contact Wells Fargo and XXXX XXXX to see into the problems. XXXX XXXX confirmed the funds were withdrawn by Wells Fargo by XXXX XXXX. Wells Fargo has on three separate communications told me that : 1 ) They were still waiting on XXXX XXXX to confirm the funds. 2 ) That the check had been returned. 3 ) That the check had to be verified still. They have told me that my funds would be available on XXXX XXXX, which is abnormally long. They have also refused to make any portion available earlier, despite what I understand to be conflicting legalities of deposits over {$5000.00}. Customer Service complaints aside, I find their practice unfair and unreasonable and request a third party 's assistance on the matter.
Consumer complaint received 2024-03-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY (TX)

Subject : Inquiry Regarding Wrongful Foreclosure-XXXX  ' In XXXX, I acquired a house mortgage. The address is XXXX XXXX XXXX, XXXX, Texas XXXX. 

Wells Fargo Bank was the facilitator of the mortgage, which in XXXX experienced foreclosure without modification or counseling. The amount foreclosed was {$3500.00}. 

The agency of Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX electronic publication that found Wells Fargo Bank liable for infringing on the Fair Housing Act ( FHA ), Equal Credit Opportunity Act ( ECOA ), and Community Reinvestment Act ( CRA ) that facilitate lending practices. 

Wells Fargo Bank has not communicated with me in regards with taking responsibility for the trouble that caused homelessness. 

I appreciate your guidance. 

Best Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc. (TX)

I have noticed a collection charge on my credit report listed by XXXX XXXX apartment complex that is listed to have been reported in XXXX and have been placed on my file in XXXX, XXXX. 
I have contacted the apartment complex XXXX XXXX XXXX XXXX to verify the charges. 
The office manager at the XXXX office ( XXXX XXXX XXXX. ) has directed me to a collection agency, Resident Collect and refused further dealing with my complaint. 
Resident Collect verified the amount but could not find any record of me. 
They found record of my ex-husband and the above mentioned charge listed entirely under his name. 
The apartment complex reported the delinquency in XXXX. 
My XXXX has been final on XXXX XXXX, XXXX. 
I moved out of the apartment complex in XXXX and did not sign any contract, nor lived together with my XXXX 
The apartment complex, as proof of the delinquency has provided the collection agency a lease contract signed in XXXX by both me and my XXXX XXXX as a basis of the joint responsibility for the incurred debt which contract terminated in XXXX. 
The lease term was for less than a year period. 
The collection agency has agreed that it is very unlikely that a lease term of 6 years even existed at the time when the lease contract was signed ( XXXX ). 
The lease term had to be renewed every XXXX period. 
After further investigation the collection agency has found a lease contract on record signed in XXXX ( XXXX XXXX, XXXX ) solely by my XXXX XXXX in the same apartment complex. 
I have verified in XXXX with the apartment complex that they have incorrect information and no basis to claim I would have anything to do with this debt when XXXX XXXX XXXX has first tried to claim it to be my responsibility, and the apartment complex admitted the error and the claim had been removed from my credit file. 
This collection charge has not reappeared for 5 years until this XXXX, without any prior notification or contact with me. 
It is negligent and wrongful business practice on the part of XXXX XXXX XXXX complex to try to collect a debt on me after 5 years that has been proven not to belong to me. 
I have been advised their actions are illegal, they are breaking the law and to report their action to the Consumer Financial Protection Bureau to prevent them for further wrongdoing.
Consumer complaint received 2024-03-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (FL)

I attended XXXX XXXX XXXX in XX/XX/XXXX and graduated in XX/XX/XXXX. Upon waiting for assistance to finding a job, I was advised the school was being shutdown because of fraudulent accreditation. As of such, when the loan was supposedly cancelled and was removed from my credit report in XXXX XXXX. I was advised that the Department of Education quickly sold my debt to Nelnet by XX/XX/XXXX, in which they reopened the debt even with the cancellations in place. And the debt reappeared on my credit report.