davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-23
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: Experian Information Solutions Inc. (CA)

Hello, I filed a report with the FTC XX/XX/2021 ( FTC Report Number : XXXX ) listing all accounts, inquiries and addresses that do not belong to me sent via XXXX XXXX mail with Experian ( tracking # XXXX ), XXXX ( tracking # XXXX ), and XXXX ( tracking # XXXX ) on XX/XX/2021. It has been more than 30 days and they have completely ignored my letters.
Consumer complaint received 2022-04-24
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: CORELOGIC INC (TX)

I sent letters to the credit bureaus on XX/XX/XXXX, but didn't have any luck. I also filled out a Identity Theft Report ( FTC Report Number XXXX ) Delete Hard Inquiries XXXX XXXX from XX/XX/XXXX Credo from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX 2020
Consumer complaint received 2020-08-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (TX)

I had a few ( 3 ) rough months in XXXX. XXXX. I was told by dovenmule that I could not make partial a payment of the lump sum I owed and I my ONLY options were to make a XXXX payment, foreclose or apply for their loss mitigation program. In order to qualify for loss mitigation, I was told not to make any additional payments till I was approved for the program. I was also told that, by entering into the loss mit program, the payments owed would be deferred to the end of my loan. Now 4 months behind, I received the paperwork stating that I was approved and starting XX/XX/XXXX my payments would now be XXXX per month ( up from XXXX ). They did not defer the debt owed like they said, but rather jacked my payment up. I tried calling multiple times and was always transferred to my loss mit reps voicemail. She never returned my calls. I was told that my only option was to now pay the dept ( which was now XXXX ) or just make the XXXX monthly payments for the year. 
By XXXX I realized they were marking me as delinquent on my ( on-time ) monthly payments I was making. 
I completed my loan modification program in XX/XX/XXXX and was told throughout the year, once it was completed, they would be able to remove the 12 months of delinquency on my credit report since I did pay in full ( current payment + repayment of debt amount ) and on time each month. 
Today is XX/XX/XXXX. After sending many emails to XXXX XXXX  email address, I never was responded to. Today I called again and was FINALLY told that they applied each loan mod payment ( current payment + repayment of debt amount ) in its entirety to past due months only till the end of my program ( XX/XX/XXXX ). Which means that regardless that I was making full payments on time for all of XXXX, I was reported as delinquent the entire year. I was told by loss mitigation today that they will not remove derogatory marks regardless of what they said in the past. 
Then on top of that, they sold my loan to another company. When i called to make my XX/XX/XXXX payment they told me I could not as the loan was sold. i called the other company and was told that they transferred it delinquent and I needed to work that out with them. 
My credit is severely impacted by this and I want this resolved however they will not work with me at all. 
Attached are my payment statements from Dovenmule. As you can see there are 0 payments  between XX/XX/XXXX-XX/XX/XXXX. You can also see that payments listed are only for that current month and do not include the additional XXXX dollars I was paying each month. Attached also is my bank statements proving the XXXX payments.
Consumer complaint received 2022-04-21
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. (NJ)

On XX/XX/2021, after I review my credit report I found multiple erroneous information on it, that did not belong to me. After reviewing with details I saw multiple addresses that were not mine, So, On XX/XX/2021, I submitted documents to the credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, but after 7 months, I review my updated credit report and I noticed that, they changed the address but they did not remove the inaccurate addresses that it is reported under my EXPERIAN and XXXX report, so I am now taking extra step, because I really need these addresses off of my credit report.
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NJ)

I have never been late on my XXXX XXXX account ending in XXXX and always kept the balance low. This is insane because I worked hard to keep my account open. My social security number is XXXX and my SSN is XXXX.
Consumer complaint received 2023-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LendingUSA (TX)

My mother, XXXX, XXXX, an elder, was pressured and bullied into a getting a loan that used by her nieces- XXXX XXXX XXXX and XXXX XXXX XXXX 
I discovered this loan existed last month while my mother was in the hospital. In late XXXX, I confronted XXXX XXXX about the purpose of the loan and she said that she and XXXX used it for their father who passed away. XXXX XXXX explained to me that she would take care of the loan and reach out to the creditor/collections agency to fulfill the obligations and haven't done it currently. 

Today, XX/XX/2023, a pending financial abuse complaint # XXXX ( submitted by me to the XXXX XXXX XXXX  XXXX XXXX XXXX ) has been forwarded to the law enforcement agency by my current caseworker, XXXX XXXX, for further investigation and/or consideration for charges against the perpetrators.
Consumer complaint received 2022-10-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: EAST WEST BANK (IL)

On XXXX XXXX XXXX, my checking account was frozen by the East West Bank. The reason they gave me was that I received my XXXX tax refund from IRS and they think this fund was " very suspicious ''. They asked me to provide all the confidential materials to prove that " I am eligible to receive the tax refund '', including the photo of my SSN, the tax refund forms, and my recent earning statements. I highly doubt if the East West Bank has such rights to collect confidential information from me. However, after I submitted all the materials, the East West Bank still refused to unfreeze my account. 

Meanwhile, East West Band continued to demand more materials that I do not have or never heard of, such as " letters from IRS that assigned ITIN to me ''. I am an XXXX XXXX XXXX and am working as XXXX XXXX XXXX XXXX XXXX. My income is simply the monthly stipend from my XXXX, so I have SSN and used SSN for tax refund. I do not have " letters from IRS that assigned ITIN to me '' and the East West Bank refused to unfreeze my account for such ridiculous reason. 

Moreover, I provide files from IRS including my tax return forms W-2, tax refund status. These documents clearly show my income and tax refund, these are all from IRS. However, they intentionally ignore these documents. 

Now, I am facing an extremely difficult financial situation because all my money is in this account. I would be very much appreciated for your help! Thanks a lot!
Consumer complaint received 2020-12-11
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: EQUIFAX, INC. (FL)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCY TO MAKE CRIMINAL COMPLAINTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-04-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NH)

Hello, I have an FFEL spousal consolidation student loan with my ex-spouse with Navient. When we were married we consolidated our individual government student loans in XXXX into this joint consolidation loan with Sallie Mae at the time. We divorced in XXXX and I have continued to make the monthly payments on the loan to keep it in good standing, however my ex-spouse has refused to pay anything towards the loan. We are also not on good speaking terms regarding financial matters. I have had financial difficulties in the past making the payments myself and therefore Navient/Sallie Mae at my request put the loan on an IBR plan with low monthly payments. During this time the interest continued to accrue substantially because of the large principle balance of both mine and my exs loans. Now the balance is larger than what it originally was and I feel that I can never pay it off alone. It has been 22 years since we signed for this loan, I have attempted many times to work with Navient to forgive some of the loan debt but they will not work with me. I have also reached out to local congress members for help but I have not had any help.
Consumer complaint received 2021-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have constantly told them Im a vicciim of identity fraud and that all the inquiries on my report are not mine I have a journal of contact with them rather have inquiries with wrong phone numbers they also have double and triple of the same inquiries they also keep switching me to their so called fraud department that when they switched me to it sounds like a different country when they answer and theres a fraud part department but they do nothing to help me for like the past year and a half and they refused to take these inquiries they said all they come off in two years but I deserve a fair credit report because I have kids and I cant get anything I cant get a loan and nothing because of all these inquiries and I told him I had a police report and sent it to them as well as I sent them my ID and my Social Security card front and back
Consumer complaint received 2022-05-19
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: Experian Information Solutions Inc. (GA)

This was not sent in error I am a consumer by law and I am frustrated. As of today its been over 90 days and they have yet taken any action to correct the inaccuracies. They Violated The United States Code Law under permissible purpose. I never gave them any written consent to report anything on my consumer report no consent is identity theft.
Consumer complaint received 2022-05-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX is not treating their consumer/customers right. 
Got a Monthly Statement and had also signed up for Auto Pay.

Monthly statement clearly indicated the following language. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Your Account is enrolled in AutoPay.

Your next AutoPay payment of {$79.00} will be deducted from your bank account on XXXXPlease note that the next AutoPay payment may be reduced if you have made additional payments or received any credits during the current billing cycle -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Even their Autopay Information clearly mentions : XXXX XXXX XXXX, thanks for enrolling in AutoPay! 
AutoPay Plan Overview Payment Amount : Statement Balance in Full Payment Withdrawal Date:18 of each month Payment Source : CHECKING Account Ending in XXXX Confirmation XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I bought some more products outside the previous billing cycle, and so my account had a current balance, which I expected to pay for the next billing cycle. 

Instead of acknowledging their mistake they said it is normal and standard practice to deduct an amount up to the statement balance in case the Statement Balance is paid in full and one is signed up for Auto Pay. Instead blamed me saying I should have cancelled Autopay. The information provided is misleading and unethical and against standard banking practices. Instead of making amends and help resolve this issue the reps hung up on me up to three times. 

I sincerely hope you can regulate these BIG Banks and they need to be checked and regulated appropriately and I too need to be in the loop for the steps being taken to make sure they treat customers with at least some respect ( which in the past the slogan would be Customer is King! ). They were least concerned when I told them that I would complain to the regulating authorities.
Consumer complaint received 2022-09-17
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: SYNCHRONY FINANCIAL (DC)

On XX/XX/2022 I sent CareCredit/ Synchrony Bank a letter demanding them to verify an alleged debt on a open-end consumer credit plan account that I opened on XX/XX/2022. They received my letter on XX/XX/2022. I received a billing statement from CareCredit/ Synchrony Bank showing a new balance of {$1900.00} they are alleging I owe them for the extension of credit I'd used. Pursuant to 15 usc 1692g ( b of the Fair Debt Collection Practices Act ( FDCPA ), once a consumer request verification of an alleged debt, the creditor is required to cease all collection activities of the disputed amounts. CareCredit may have billed me after received my certified letter, which would be a violation of this statute. As a result of receiving the billing statement, I'm sending them a cease and desist notice pursuant to 15 usc 1692c ( c ) of the FDCPA. In the notice I'm also notifying them of a billing error in the amount of {$1900.00}. Pursuant to the Truth in Lending Act ( TILA ) 15 USC 1666 ( b ) ( 4 ), CareCredit failed to properly reflect on the statement a credit issued to me, and instead tried to deceive me into believing I owe a debt on my own extension of credit.
Consumer complaint received 2022-01-06
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: Experian Information Solutions Inc. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-05-19
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: Experian Information Solutions Inc. (DE)

So I sent a letter off on XX/XX/2022, to remove personal information that I did not want on my credit report. According to the fair credit reporting act 15USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2021-02-03
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (MI)

Hello, In 2005 I purchased a house taking an 80/20 loan. Around XXXX of 2020 I received a letter form PHH ( 2nd mortgage ) that the loan matures in XXXX  2020. I reached out to them about a dozen times to try to work out our options because the balance is around XXXX. ( made monthly payments for 15 years and the balance never went down ) Every time I'd call, I was on hold for extended periods of time, transferred, on hold, transferred, on hold ... etc., with a few dropped calls in between and never able to resolve the issue. When I would get ahold of an actual person, they would recommend me to their website to fill out a form for a loan modification ... .which I was denied. 

Called back multiple times through XXXX and XXXX and would only get the run around. 

I called PHH again in XXXX asking to speak with a supervisor, ( mind you this is probably the 8th or 9th time I called ) I got a hold of someone who set up a time and date for a " case manager '' to call me back on XX/XX/XXXX ... No call. I called them back to find out why I didnt receive their call only to find out they didn't have my correct information. I set up another meeting with the " case manager '' for XXXX XXXXXX/XX/XXXX at XXXX XXXX ... no call from PHH. 

Now we are in the beginning of XXXX, I call again and Im transferred multiple times to get other person to set me up with a meeting with the " case manager '' from PHH to call me on Monday XX/XX/XXXX ... .NO CALL AGAIN!! 

After multiple attempts, feel they don't want to resolve this issue. I want to get this situation straighten out but I can not come up with $ XXXX in one lump sum ... especially now in this economic Covid climate. Im constantly receiving mail from them with options of " Foreclosing '' on the house ... .This is not an option for us. 

Thank you!
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Automatic Data Processing, Inc. (NM)

I was issued this card when I was working for the XXXX XXXX XXXX. 
The company that issued it was ADP. 
When I quit I figured I'd just keep the card and use it to as a prepaid card. 

When I was using it, I hardly ever loaded cash onto it. 

Not until Unemployment was available differently I start to receive deposits. 
Then the whole website changed. 
I remember it was spelled XXXX. Then it changed to XXXX. 

I tried closing this account and was told by the CSR that I spoke to that I COULD NOT CLOSE THE ACCOUNT. 
I was also told that there were 3 other card numbers listed on my account. 

I asked for statements first all 3 card accounts and was told that was not possible.
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital One reduced my credit limit on XX/XX/20 by {$24000.00}, which will have an impact on my credit score. The email I received stated the decision was made because of my low usage ratio on the card. Their website states that changes are only made due to credit risk, however, my risk level has not changed. 

When speaking with them on the phone, they refused to restore my credit line. They refused to evaluate me for an increase due to needing to wait 6 months after a credit line change. I have been a customer for over 8 years and have never missed a payment, and I feel I am being systemically targeted based on a company decision, and through no fault of my own.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TransUnion needs to remove this random " XXXX XXXX XXXX '' account off my report. It seems to be a force within the credit bureau where they often have other peoples accounts and information mixed up from time to time with variety of history recorded in court districts and many customers reporting the same issue going on. This account was removed from my report with XXXX based on an error which also should be done a same timely done manner with TransUnion as purposed addressed to be the issue. They need to remove this XXXX  account off the report that'll be a " fair resolution '' hurting peoples credit report is all fun in games when you have children and big responsibilities to take care of especially when it comes to mortgage being rejected cause of this one account, appsolutely.
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

Today XX/XX/XXXX Capital One decreased my credit limit from {$12000.00} to {$5000.00} without warning. I have a XXXX credit score, the account in question was originally established in XXXX, I have never missed a payment, PLUS I pay my entire balance every month. This decrease directly affects my credit score, and this isn't fair AT ALL!
Consumer complaint received 2020-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

Someone hacked my bank account. Made deposits with checks from a company and left my account at XXXX. I had just got paid from my job in which was around {$900.00} through direct deposit and the bank didn't let me get my check at all. I filed a police report. I gathered all evidence on where I was at that day and how my signature is and how I hadn't gone into the bank to take money out. They didn't " allow '' none of my evidence. I need help!!!!
Consumer complaint received 2021-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XXXX XXXX. The bureau reporting is TransUnion. Thank you!