davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( 8 ) ( iii ), these creditors are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of-the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ).

In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. 
Who in your company verified these accounts? 
How did they verify them? 
Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. 

Include the documentation that was used to verify the dispute. 

You have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section XXXX11 ( 5 ) ( A ) ( i ) ofthe FCRA- you are required to " ... promptly DELETE all information which can not be verified. " The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. 

I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 

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
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 — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

XXXX Bank is reporting that my XX/XX/XXXX payment was over 30 days late on my credit bureau report. My monthly payment is due on the XXXX of each month. I made an electronic payment via the phone on XX/XX/XXXX. According to XXXX Bank the payment was reversed due to insufficient funds ( See attached screenshot from XXXX online screen ). I had more than enough funds in my checking to cover the payment which is reflected in the bank statement page I've included. I've confirmed with XXXX XXXX that the funds were there and they show no payments being returned on their end. XXXX Bank made no attempt to contact me to let me know there was an issue with the payment that I processed via phone. I was not made aware that the payment was late until I was working on refinancing my home and it came up on my credit report. I have made several attempts to have XXXX reverse the issue on my credit report and they have declined to admit any errors on their end and as such will not reverse the negative reporting on my credit report. This is the only late payment on my credit report, I have excellent payment history. In addition to this XXXX Bank does not allow you to sign up for automatic payments via their website. They have a process in which you must fax in a form to authorize the payments. I have on 4 separate occasions requested the form and faxed it to XXXX never to have had them process the request. The requests were made on or about the following dates- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2022-07-20
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)

I received a response from LCI dated XX/XX/22 in regards to an alleged bankruptcy record. LCI stated that " FCRA does not require a furnisher to obtain a consumer 's permission to share publicly available information with CRAs ''. However ; this claim is false in accordance with 15 U.S. Code 1681b ( 2 ) which requires " Written instructions of the consumer to whom it relates ''. In this case LCI used " Non-public personal information '' to obtain an alleged record from XXXX. While the law does allow you to obtain the record, it prohibits the transfer, or sharing of this information to a " Consumer 's Report '' without " Permissible Purpose ''. I am requesting that LCI provide me in writing the " Permissible Purpose '' for which it shared such information using my " Personal Information '' to TransUnion. I did not give LCI written instructions to transfer this alleged record to TransUnion for reporting to my consumer report. Secondly, as the " Data Furnisher '' I am requesting in accordance with 15 U.S. Code 1681i investigation for the " Completeness and Accuracy '' of this alleged record. If LCI contests the statement from The Deputy In Charge XXXX XXXX of The United States Bankruptcy Court ( Page 7 ) who has certified that the courts " Do not report filings to CRAs/Data Furnishers '' , please do so in writing. Please be advised that XXXX  is " Contestable '' and can not be used as the " Validating Source ''. Nor can it certify the " Completeness and Accuracy '' of a record. I am requesting that LCI ( Data Furnisher ) sends all relevant information to the courts regarding my dispute and provide me in writing of the courts " Validating '' response. Lastly, in accordance with 15 U.S. Code 1681i ( 6 ) ( a ) ( iii ) I am demanding the description of the procedure used to determine the " Completeness and Accuracy '' of this record. Please provide me the Name, Address, and Phone number of the agency you contacted. Please note that TransUnion has already certified on page ( 2 ) of this dispute that " XXXX '' was used to verify this record, which violates 15 U.S. Code 1681i.
Consumer complaint received 2017-03-07
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (MO)

12 month home repair interest free loan. Half way through the loan I took out a 55 month loan from the same wells fargo location for another home project They consolidated the XXXX loans with a single payment for both loans making it impossible to pay off the first loan unless I paid off both loans to get a zero balance. Could not get a payoff on first loan from them, just to total balance. paid 28.8 % interest on the first loan. Now the second loan which was for 55 month with 55 equal payment of {$130.00} per month. Wells fargo now says minimum payment now is {$360.00} per month on a {$6700.00} 55 month loan before they add interest. Spent many hours on the phone without any help from the lender
Consumer complaint received 2018-10-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (VA)

Since Nationstar Mortgage became Mr. Cooper in XX/XX/XXXX no one, even my Dedicated Loan Specialist tries to reach out to me, instead I received a foreclosure sale notices and again just received one that my house is going to be foreclosed on XX/XX/XXXX. In the letter, the foreclosure sale notice I received from XXXX XXXX, XXXX claimed that I should find a copy of the advertisement of sale, as published in XXXX XXXX XXXXXXXX. That claim is false because I could not find the foreclosure sale that was claimed to have been published in XXXX XXXX   XXXX. I have been trying very hard to make Mr. Cooper to modify my loan which I applied for in XX/XX/XXXX which is yet to be modified. Nationstar Mortgage, now Mr. Cooper has refused since XX/XX/XXXX to modify my loan without giving me any valid reason ( s ) for their refusal to modify my HAMP LOAN MODIFICATION that I applied for, was eligible and qualified for in XX/XX/XXXX.
Consumer complaint received 2016-04-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION (FL)

I deposited a check at Navy Federal of {$2100.00} from XXXX on XXXX XXXX, 2016. On XXXX XXXX, 2016 Navy Federal released the funds for availability. On XXXX XXXX, 2016 Navy Federal adjusted the {$2100.00} resulting in my account being overdrawn, so I called them and they explained to me the check was not authorized by XXXX. I contact the check writer, XXXX XXXX XXXX XXXX, and they showed proof that the check was withdrawn from their XXXX account and they were never credited back. Navy Federal is stating that XXXX did n't authorize the transaction but XXXX is stating they released the funds and never received them back. My account is still not resolved several days later and I have n't been able to take care of an overdue car note because of this issue. Navy Federal needs proof from XXXX that the money was withdrawn from their account.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

Ch XXXX bankruptcy # XXXX filed on XX/XX/XXXX is showing up on mortgage credit teport with a date released of XX/XX/XXXX. This information is inaccurate and has caused a denial of loan to buy a house. I have submitted several disputes regarding inaccurate information being reported on this account and yet it still remains on my report as erroneous information. This is a direct violation of my right under the FCRA.
Consumer complaint received 2017-02-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (AL)

I opened a checking account with Citibank with a promotion to get a {$400.00} bonus. I confirmed with Citibank that I had met the bonus terms, and waited for the bonus to post to my account ( 90 days was specified by the promotion and in the letter confirming I would receive the bonus ). Several representatives told me I would get the bonus on XXXX/XXXX/17, but it did not show up. I filed a dispute, and they said I would hear back from them by XXXX/XXXX/17, but of course, no response by that date. I called in today, only to be told to wait longer. I feel like Citibank is lying and stalling to get business.
Consumer complaint received 2022-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OK)

Well Fargo refused to remove PMI from my mortage even though I only owed 10 % of the principal. They said this was due to me missing a payment but I haven't missed a payment, I used their offer to defer a payment due to COVID hardships. They considered this a missed payment and refused to remove PMI. This prompted me to go ahead and pay the final principal amount. Once the mortage was shown to be paid in full Well Fargo charged me a double PMI payment of {$250.00}. How can we hold these fraudsters accountable?
Consumer complaint received 2022-02-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bliksum, LLC (CA)

On or about XX/XX/XXXX, I was issued a loan from Loan Me XXXX. I obtained this loan by phone. I don't recall receiving written contact for the promissory note. The call was advised it was 36 % percent. They verbally represented the facts by phone. After making more than 60 % of the principal amount I borrowed, I was no longer able to pay the large amounts of interest/payment. I did modified once for having payment arrangements due to payments to high of interest. Shortly after I wasn't able to pay off. 

Shortly later, I received a letter from XXXX XXXX XXXX, XXXX. dated XX/XX/XXXX stating that I owed {$3700.00}. This letter was sent by the law firm XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

XX/XX/XXXX I was served with XXXX XXXX XXXX lawsuit by XXXX XXXX XXXX  claiming I owed {$3000.00} plus {$710.00} post charge off interest. {$3000.00}. plus interest from the date of the charge off debt, which was XX/XX/XXXX until of judgement. 

When I received the initial letter I thought it was a scam. When I was served, the copy of orginal promosinary note, which shows a interest rate that I was not aware of which is 137.65 % interest, APR. I was stunned, {$16000.00} of a claim. 


XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (CA)

Municipal Services Bureau as is the case from the other companies I have complained about is harassing me about a debt I know nothing about. They call and leave messages when I try and call them back their message reads that if I 'm calling them back then I acknowledge that I am the debtor. Once I complain here and I am removed from their list they sell my " debt '' to another company.
Consumer complaint received 2015-10-08
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: 360 MORTGAGE GROUP LLC (IA)

I am a XXXX Veteran, using my VA loan. I purchased this house in XX/XX/XXXX. The house came with a separate lot, that has nothing on it, with a separatelot # and legal description. My intention was to sell this lot to pay off bills. When Itried to sell it, the mortgage company said I had to own it for one year before Icould sell it. XX/XX/XXXX, I refinanced at a lower interest rate, and to sell the lotright away. I have many emails from 360 mortgage saying that after we refinanced, we could sell it right away. On the day of signing the new papers for mortgage, Ihad to call 360 mrtg to ensure that it could be done right away. I was told yes, andthat I had to sign papers that day as they were time sensitive and would all have tobe redone if I did n't, so I signed them. Now, here we are in XX/XX/XXXX, and it all is nofurther than in XX/XX/XXXX. I spoke to the VA company, and was told that it can be done, and that 360 mrtg is just not doing it, and wants to charge me all these fees on topof the {$8000.00} some dollars they have already charged me. My realtor has also been involved in this entire process and can attest to everything, and has also receivedemails stating it will be no problem. Ca n't I sue them for breach of contract, since I have proof of what tey said? They are 360 Mortgage Company.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CA)

My loan started with XXXX XXXX and Navient became my servicer and failed to contact me to notify of the change. I was in default I was asked to pay 9 months straight to clear my credit when I called to have this consolidated via XXXX. I paid the 9 months on time and then they told me the loan was transferred to someone else and they could n't fix my negative standing with the bureau. It 's been difficult for have any reliable and useful help from them.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

Ch XXXX bankruptcy # XXXX filed on XX/XX/XXXX is showing up on mortgage credit teport with a date released of XX/XX/XXXX. This information is inaccurate and has caused a denial of loan to buy a house. I have submitted several disputes regarding inaccurate information being reported on this account and yet it still remains on my report as erroneous information. This is a direct violation of my right under the FCRA.
Consumer complaint received 2021-12-28
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 recently pulled my consumer risk report through XXXX XXXX. My clue and consumer report has an accuracies that do not verify with the correct information. My name is wrong. My address is wrong and also other consumer reporting information dealing with credit and background that needs to be updated with the correct information.
Consumer complaint received 2020-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (KY)

I contacted my servicer " Great Lakes '' during COVID-19 to determine when I needed to resubmit my IDR plan request. I also got an email from the company stating " Please send proof of your gross income by sending in one of the following : - W2 ( current year ) - Pay stubs ( indicate weekly, bi-weekly, monthly, etc. ) - Letter signed and dated from your employer and must include : - Gross income - Pay frequency ( weekly, bi-weekly, monthly, etc. ) - SSN and/or name '' I provided my W2. I then called 2 weeks later since I had not heard anything back and the representative said its finished and I just haven't received communication back yet but in her system I should be contacted soon. A few days later I received an email that the same thing as before. I was then told I need to give them my Tax returns. I did that and a week later now they want pay  stubs stating my spouses income information is " unavailable '' yet its on the tax return I submitted and they are asking for only my paystubs which make no sense. I have been working on this for over a month and my application is due soon and I keep getting a run around from the company. 
I can provide emails, etc if requested.
Consumer complaint received 2016-04-25
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Big Picture Loans, LLC (CA)

In XXXX XXXX I took out a Payday loan with XXXX XXXX for {$400.00}. XXXX advised by the representative I 'd need to repay a finance charge of {$140.00} + the original loan amount, for a total of {$540.00}. They have not stopped charging my account since XX/XX/XXXX. When I contacted them in XX/XX/XXXX, they told me that I had to pay an interest payment before I could pay the principal. I threatened to contact an attorney, and they stopped, but started again as Big Picture Loans. They have drafted by account twice monthly. Upon further inspection, they have fraudulently initiated XXXX new loans in XX/XX/XXXX which I did not initiate ( See Attached ). Please help.
Consumer complaint received 2020-01-20
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: WELLS FARGO & COMPANY (CA)

MY COMPLAINT IS WITH XXXX REPORTING. MY REPORT HAS BEEN FILLED WITH INACCURACIES THAT I HAVE BEEN ADDRESSING SINCE XX/XX/XXXX. MORE RECENTLY XX/XX/XXXX. I AM A XXXX VETERAN AND LOOKING TO BUY A HOME FOR ME AND MY FAMILY. I HAVEN'T BEEN ABLE TO OBTAIN HOME LOAN BECAUSE OF ALL THE MISINFORMATION THAT IS LEFT TO MIS REPRESENT WHO I AM AS A RESPONSIBLE LIVE PERSON IN SOCIETY. IM AWARE OF MY RIGHTS, AND ID LIKE EXPERIAN TO BE ADDRESS ES OF THE ERRORS THEY CONTINUE TO FALSELY REPORT
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

As of XX/XX/2021, XXXX has been inaccurately reporting things on my consumer report. According to 15 USC 1692A ( XXXX ) I am a federally protected consumer who has been violated. XXXX has my personal information in accurately. 15 U.S. Code 1681 ( a ) ( XXXX ), 15 U.S. Code 1681 ( a ) ( XXXX ), 15 U.S. Code 1681 ( b ), 15 U.S. Code 1692d ( XXXX ), 15 U.S. Code 1692d ( XXXX ), 15 U.S. Code 1692f are all violations of my consumer rights which isn't fair to me as a federally protected consumer.
Consumer complaint received 2016-12-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Williams & Fudge, Inc (TX)

I keep getting a call from XXXX, from somebody who claims to be a debt collector, and not only do they refuse to reveal the name of their company, but they have yet to send me any of the paperwork required by law, and I have yet to receive a single scrap of paper from them, and it 's been well over a month. The FDCPA requires a written " validation notice '' telling me how much money I owe within five days after they first contact me. This notice also must include the name of the creditor to whom I owe the money, and how to proceed if I do n't think I owe the money.
Consumer complaint received 2016-06-17
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY (MD)

Company is persisting in charging late fees on payments even though the payment was delivered and recevied on-time. They have done this twice. The first time they reversed the late fee. The second time they refused. My payment was delivered the day it was due but it took them 5 days to process and post the transaction.
Consumer complaint received 2015-05-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CA)

My loan was for about {$30000.00} for XXXX school but the school went out of service about 10 years ago. I defaulted in XX/XX/XXXX after dropping out. In XX/XX/XXXX, my wages started to be garnished and had been garnished for the past 14 years and still paying. I had paid over {$50000.00}, since then, and still paying with balance of {$12000.00} left. Of the {$50000.00} paid, {$18000.00} has gone to the collection agency as collection cost. This is unbelievable since there is no end in sight. This means that the {$30000.00} loan is going to cost me {$60000.00}. Is this legal? Please help since my wages are still being garnished.
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Since XX/XX/2021 I've sent multiple letters concerning the incorrect personal information that is reporting on my credit report. I have sent copies of my my drivers license and proof of address. I get no response from credit bureau and no change to my credit report.
Consumer complaint received 2020-10-16
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. (IL)

Auto insurance renewal with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, dated XX/XX/2020, Fair Credit Reporting Act Notice has incorrection information which has had an adverse affect on insurance premiums. The report states that I do not qualify for a more favorable discount due to the items listed on my credit report. 
Renewal dates XXXX XXXX. 


Equifax generated the report