davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LD Holdings Group, LLC (SC)

On XX/XX/2018, I contacted Loan Depot ( XXXX/XXXX XXXX ) to  inquire about mortgage interest rates being offered. I informed the agent that I did not want an inquiry conducted that would show up on my credit report and was assured that it would not due to the fact that I had previously went through the process with another mortgage company. The agent instructed me that all mortgage inquiries conducted within a 45 day period would only count as one inquiry. After checking my credit report, I see that each inquiry related to mortgage loans is treated as a separate hard inquiry. There were a total of three hard inquiries within a 30 day span that had a negative impact on my credit score. I feel misled by this company and would like to have this inquiry removed from my credit report, if possible.
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/19. In the week before XX/XX/19 I logged on to my Capital One account to pay my monthly bill. C1 's 1-time security pin for log on was sent, as usual, to my email account ; I logged on successfully and paid my bill. 
XX/XX/19. I attempted to log on to my C1 account and found that C1 had removed the option for email delivery of a 1-time log on security pin, leaving text/voice delivery to my phone. C1 HAD AT NO TIME INDICATED THAT DELIVERY OF A 1-TIME SECURITY PIN TO EMAIL WAS TO BE DISCONTINUED. I had admittedly omitted to inform C1 when I changed my phone number four years ago. On XX/XX/19 I phoned C1 to inform them that I could no longer log on to my account due to 1 )  THEIR REMOVAL OF EMAIL TO RECEIVE 1-time log on security pin and 2 ) change 4 years ago of my telephone number. I requested that C1 update my phone number. The clerk indicated he would indeed update my phone number. 
XX/XX/19. Still unable to log on : phone number NOT UPDATED, no option to receive 1-time log on  secure pin via my email. C1 asked for my drivers license as proof of identity and said it would phone me in 72 hours to resolve inability to log on to my account. My case number for providing my drivers license ( which I did ) and communicating to C1 on this issue is # XXXX. 
XX/XX/19. I have not heard from C1. I wrote to C1 indicating I would not be responsible for late payment of XX/XX/19 ( please note I pay my bill IN FULL monthly ) as I can not log on to my account. 
BOTTOM LINE : C1 changed its online User Interface and log on procedures without warning ; I have been prevented, now for 2 weeks, from logging on to my account and paying my bill of XX/XX/19. I clearly can not get any resolution from Capital One. Please advise.
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (GA)

In XX/XX/XXXX, I contacted Navient in regard to my student loans they service. My complaint was that the amounts that I am being billed for are not the amounts that were sent to the University I attended. The amounts that I am being billed for are higher than the amounts that I borrowed. Because the amounts are higher, I am paying more interest on these incorrect amounts. I mailed Navient a certified letter to look into this problem and correct the inaccuracies. I received a letter back explaining how Navient calculates interest. They also sent a copy of my promissory note. They did not research or correct my complaint. I then sent three more certified letters XX/XX/XXXX, XX/XX/XXXX,  and XX/XX/XXXX asking for them to research and correct the errors. Again, each time they responded with a letter explaining how the interest is calculated. I have attached a ledger from each institution I attended and how much my student loan was for. I have also attached the ledger of what Navient is billing me for. On each disbursement that Navient is billing me for, the amount is more than what was borrowed. I have also attached the certified tracking numbers from the United States Postal Service showing where Navient received my correspondence. Navient also is billing me different fees that I never agreed upon paying. I requested the contract that indicated I would be responsible for these fees and Navient has yet to provide the contract and the notification that these fees would be charged. Another issue that I have with Navient is that they have no record of my loan history from XXXX but I am being billed for these years. Navient has violated both the Fair Credit Reporting Act by reporting inaccurate information to the three credit bureaus ; they have also violated the Fair Debt Collection Practices Act by seeking collection of an unjustified amount and by not providing validation of the debt in the amounts they claim is owed.
Consumer complaint received 2019-03-13
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

As of XX/XX/19 my repayment of {$350.00} had lapsed due to my Mother 's burial/business out of town. Check Smart ( XXXX ) XXXX continues to harass my employer even though I asked them to discontinue, we have already spoken when they contact/ harass me on my personal phone.
Consumer complaint received 2020-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (VA)

PHH assumed the mortgage servicing from XXXX OCWEN in XX/XX/XXXX. PHH indicated that my payment for XXXX was received one day late and charged a late fee. My bank indicated that PHH has rejected their payment and required it to be sent out by mail. PHH never waved flight fee despite the fact that there shouldve been some notification of change of servicingIn XX/XX/XXXX of XXXX I sold my property and pay off my mortgage the PHH has failed to remit the balance of the escrow account and every time that I either write them they say that they have a record of the loan number or if or online application I receive an email stating that they can not respond back to me because they do not have email listed in their accounts each time Ive tried to call them for the past two months I need to get a recording that says theyre unable to connect me to a representative or I get a recording that says hold for the next operator and then Im disconnected I want to both the payment of my escrow thats not have not having been disbursedTo be refunded and the satisfaction of mortgage to be executed by PHH Despite notifying PHH about a change of mailing address telephonically and in writing in XX/XX/XXXX plus XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX year end statements and bills continued to be sent to prior address
Consumer complaint received 2019-03-13
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. (NC)

I HAVE CONTACTED EQUIFAX SEVERAL TIMES ( 7 ) TO HELP FIX THIS PROBLEM, BUT THE WHAT IT IS THEY JUST DONT CARE. I HAVE SEVERAL ACCOUNTS ON MY FILE WITH EQUIFAX THAT ARE FRAUD! I HAVE SENT OVER POILCE REPORTS AND MY ID SEVERAL TIMES AND WITHIN THREE DAYS OF THE DISPUTE IT SAYS COMPLETED. THEY FINALLY REMOVED AND BLOCKED A FRAUD ADDRESS BUT THE ADDRESS LINKED TO THAT ADDRESS ARE STILL ON MY FILE. HOW CRAZY IS THAT. I HAVE ACCOUNTS ON MY REPORT THAT ARE FRAUD AND THE PEOPLE WHO STOLE MY IDENTITY HAVE BEEN ALREADY BEEN TO TRIAL AND FOUND GUILTY AND SENT TO JAIL, XXXX XXXX LOAN OFFICER ( XXXX XXXX, XXXX WHICH IS THE BRANCH MANGER, AND THE OLD CEO IS ON THE RUN SOMEWHERE IN NJ. THEN XXXX XXXX BOUGHT A TRUCK UNDER MY NAME ONLINE WITH A BLANK CHECK PROGRAM THROUGH XXXX XXXX  AND IT WAS RECOVERED WHEN HE WAS ARRESTED AT XXXX XXXX XXXX, XXXX SC XXXX. ALL I WANT IS MY ACCOUNTS THAT ARENT MINE TO BE REMOVED AND BLOCKED FROM MY ACCOUNT. 1. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. I HAVE ATTACHED A POILCE REPORT TO THIS COMPLAINT WITH A COPY OF MY ID. XXXX PLEASE STOP BLOCKING MY PERSONAL ADDRESS OF XXXX XXXX XXXX XXXX, XXXX NC XXXX. IF NOT REMOVED I WILL SINK LEGAL ACTIONS AGAINST EQUIFAX. NOW I CANT EVEN GO ONLINE TO DISPUTE ANYTHING, EQUIFAX HAS ME BLOCKED FOR SOME REASON AND THEY KEEP SAYING WE ARE SENDING IT UP TO I.T. DEPARTMENT TO FIX YOUR PROBLEM AND IT NEVER HAPPENS.
Consumer complaint received 2019-03-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I am writing to you regarding my loan for hardship for the second time. In XX/XX/XXXX I filled a complaint against my bank who in return told you they would work with me. It was not true once you close the complaint they ask me to fill out a hardship letter for the third time so I did. I faxed it on XX/XX/XXXX & XX/XX/XXXX to  the bank. On XX/XX/XXXX I received a foreclosure notice on my house, and yet still today I have not received a denial letter from the bank. I am XXXX years old and have had my house for over 15 years. I would love to keep my house so I hope the bank will help me.
Consumer complaint received 2019-03-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (TX)

I was trying to close my account and well Fargo keep charging me overdraft fees twice in the amount of XXXX dollars and I paid my negative balance twice and my balance is XXXX overdrawn and I explain to the banker I paid my negative balance in the amount of XXXX and she waved the XXXX dollar overdraft fee and told me I could transfer XXXX dollars that well Fargo giving me to my propel credit card which I did and the next day I was charged the fee again on XX/XX/2019 and well Fargo is unable to waved the full XXXX feee again and offer a XXXX percent credit which I turned down because I paid the original negative balance in the amount of XXXX and Ive been asking well Fargo several times to close my account and they refused to do so
Consumer complaint received 2019-03-13
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC. (PA)

On XX/XX/XXXX, I responded to an email from Navient Student Services that my private loans were due for repayment. At that time, I didn't understand what they were referring to, but I was afraid that if I didn't at least pay the amount they were requesting to put my " private students loans '' in forbearance, they were going to put in delinquency on my credit report. So I paid them the amount of {$100.00} they requested to put my " loans '' in forbearance, which I thought it would be until XXXX, but then when I called back on XX/XX/XXXX, they said that the payment was only for a month forbearance and they need another {$100.00} for another month. That's when I decided to ask for the promissory notes they supposedly had, because even then I did not remember requesting any private loans from them. The only loans I have are through the DOE through fedloan. Those loans are legitimate, but these loans with Navient are not. When I received the promissory notes, they confirmed my suspicion, I never made these loan requests. Someone copied these loan requests from when I was at XXXX College from the loans I had through the DOE. The loans from Navient had originated through XXXX XXXX in XXXX, and I never authorized these loans at all. They were all made electronically with an e-signature and I never did that at all with XXXX. And yet Navient still wants their money, they have harassed me with calls and emails left and right AFTER I told them that these loans are fraudulent. And yet the representatives told me that there was nothing they can do because the loans were dispersed to the college during the time I was there. BUT I NEVER REQUESTED THESE LOANS. Also Navient says that a Stafford Subsidized Loan was made by me to XXXX XXXX University in XXXX, and I never went to XXXX XXXX University in XXXX. I went there ON A XXXX XXXX during XXXX. So that is definitely fraudulent and I should not have to pay anything nor be threatened with delinquency at all.
Consumer complaint received 2020-02-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (IN)

After numerous phone calls requesing the account to be closeed, the last on one on XX/XX/2020, Citibank will not close my savings account which has a {$0.00} balance. 
My concern is that they will charge me a {$25.00} monthly fee.
Consumer complaint received 2019-03-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I was under Disaster Forbearance through XX/XX/XXXX, but Seterus had a scheduled sale date for Mid XXXX, while under the disaster forbearance. It was extremely stressful and caused extreme hardship to me and my family, because Seterus refused to postpone the Sale Date. They finally postponed the  sale date bc I submitted a disaster modification package. At what point of the review was I in when my loan was transferred? My loan was transferred from Seterus to XXXX home loans on XX/XX/XXXX, the new servicer had only received important documents pertaining to my loan on XX/XX/XXXX. What is the timeframe for all the documents to be submitted? Is it common and legal to have a sale date scheduled while under disaster forbearance?
Consumer complaint received 2019-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My loan was sold from XXXX XXXX to SLS since then the new Leander increase my payments without any reason and when I call they just give me an answer just to push me away without fixing the problems. Also, when I get an answer the next time I call they tell me we are sorry that the agent giving you the wrong answer. 
I pay my mortgage including the tax and the insurance. But they come to and asking me to pay more shortage in the tax. Last week I pay {$670.00} over the regular payment of my mortgage and tax/insurance. And still problems I need help
Consumer complaint received 2019-03-13
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: AMERICAN EXPRESS COMPANY (CA)

A pair of shoes were purchased from the merchant, " XXXX '' on XX/XX/2018 for the amount of {$720.00} using my American Express " Blue Cash Everyday '' credit card ending in XXXX. The shoes purchased from the merchant were falsely advertised as brand new when, in fact, they were used and extremely worn, defaced and damaged by another customer prior to purchase by me. When purchasing the shoes, the merchant did not allow the " packaging '' to be opened as they stated that the shoes were " brand new '' ( a complete lie ). After paying for the shoes at the store, the item was taken back home when the shoe packaging was opened and unwrapped. What was inside were damaged shoes that were nowhere near brand new. Upon discovering this, multiple ( 4 total ) attempts at returning the shoes back to the original store of purchase were made. In all 4 attempts, the store refused to accept any responsibility for the damaged shoes that were sold to me. Accordingly, as I could not resolve this issue with the store themselves, a dispute case was opened up with American Express to get the money back from this store/merchant. From the beginning, clear evidence was provided to the merchant in the form of photos taken and a written statement showing and describing the condition of the shoes. After a total of 3 dispute cases opened up with XXXX, they refused to assist in this matter any further and took the side of the merchant which essentially scammed me in this purchase. It is disappointing, but least surprising, to see XXXX side with a fraudulent store/merchant when it comes to cases like this. Nevertheless, I would like to have my {$720.00} refunded back to me from this purchase as this merchant knowingly and willingly defrauded me on this purchase by misstating the condition of the item. Not only is this is highly unethical, it is also illegal as the merchant deliberately and knowingly falsely advertised this item and refused to refund my money when caught. Due to the abundance of evidence given to XXXX regarding this illegal conduct by this merchant, a full refund of this charge is warranted and expected. Timestamps are also available on the photographs taken ( showing the horrendous condition of the shoes ) to further prove that these photos are legitimate and valid as they were taken shortly after purchase.
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

I have an account with Conn 's appliance on which I am financing several appliances. I have ALWAYS paid this account timely with no issues. 

In XX/XX/2018 I had a vehicle accident and was unable to pay the account. I called and spoke with several representatives and on one call specifically I established a payment arrangement to defer the XX/XX/XXXX payment and bring my account current in XX/XX/XXXX. A new payment date was established. 

I paid the account current on the agreed upon date. 

According to the Fair Credit Reporting Act and additional advisory opinions issued by the Federal Trade Commission that states when a new promise to pay date is set and agreed upon by both parties that date is used to determine timeliness of the consumer 's payment. 

Seeing as how I kept to the arrangement of the promise to pay and paid on or by that date this late payment reporting on my report is invalid, inaccurate and thus unverifiable. 

This item is to be removed from my credit report as stated in the Fair Credit Reporting Act ; continuing to report this information is blatant violation of my rights as a consumer as they are granted to me.
Consumer complaint received 2020-04-27
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: Experian Information Solutions Inc. (CA)

I have written to XXXX to remove the negative collection account under my name because there is a paying as agreed account listed already so there are 2 accounts. This is an error and they dont want to remove it and keep showing it on my credit report and its preventing me from getting jobs and defaming me.
Consumer complaint received 2019-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I requested that verification be provided to me for credit inquiries that posted to my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Aldridge PIte Haan, LLP (KY)

This information is in addition to Complaint Number XXXX. I just learned that XXXX XXXX XXXX either sold or moved my debt collection to Aldridge Pite Haan. Per their letter dated XX/XX/XXXX, my outstanding balance show {$30000.00}. I have already paid {$11000.00} from Wage Garnishment and another {$27000.00} directly to XXXX in XXXX during my Bankruptcy. The very first notice I received for the Judgment showed a balance due of {$32000.00}. I have tried to call and have sent several communication to Aldridge Pite Haan with no response. When I did actual spoke with someone they basically stated you owe this and we will take every means to receive payment. My question where has all the money I have already paid went too. They are still collecting {$200.00} a check through Wage Garnishment. Contact Information for Aldridge Pite Haan is XXXX or website www.aph-law.com Any assistance would be greatly appreciate. Thank you, XXXX XXXX
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Acceptance, LLC (TX)

A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee 100 percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED immediately.
Consumer complaint received 2019-03-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (NC)

To Whom It May Concern, The reason for my dispute is RADIUSGLOBAL XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX. failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) RADIUSGLOBAL XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation RADIUSGLOBAL is held liable as well for defamation and in the state of NC
Consumer complaint received 2019-03-13
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. (MN)

Transunion has Failed to get this bankruptcy thats on my report removed they did not verify where the information was furnished. I sent multiple documents they lied and said they received it down the court which is a lie because the courts doesnt report any information as such I have now filed a complaint with the attorney general and the XXXX. If this is not removed in the next 30 days I will be taking legal action against transunion.