davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I have been trying to refinance my home mortgage from Citizens Bank to XXXX. I currently have a 30-year 4.75 % mortgage with Citizens and I'm trying to refinance with XXXX to a 15-year 2.50 % mortgage. I applied at both Citizens and XXXX to refinance. It took Citizens over a month to respond after reaching out to their Home Loan Officer. After getting paperwork signed with XXXX on XX/XX/2021, they have kept me up-to-date with everything along the way. The Loan Advocate with XXXX reached out to me on XX/XX/2021 to let me know that the last thing needed to close this refinance was the Payoff from Citizens Bank. She said she has been trying to contact Citizens since XX/XX/2021 but she continuously is told that she has to wait 5 more business days, then has to call again later to reopen another ticket. She called again on XX/XX/2021 and XX/XX/2021, when she says Citizens hung up on her. I called Citizens on XX/XX/2021 and I was hung up on when i tried to reach out. I took a half-day off work on XX/XX/XXXX to go in-person to speak with someone to make sure everything was taken care of. The woman I spoke to said XXXX would get an email within 20 minutes. The following day, the XXXX XXXX XXXX said that she did not receive anything from Citizens so I called their Mortgage XXXX phone number. I was on hold for so long I had to get off the line because my lunch break was over and the woman I spoke to said she would call me back. She did not. My XXXX " Lock-In Agreement '' expires on XX/XX/2021 and it should not be this difficult to close because the woman at Citizens said they " refinance all the time, this shouldn't be a problem ''.
Consumer complaint received 2020-08-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Loan began XX/XX/XXXX. I have always paid XXXX XXXX monthly, {$34.00} extra each month ( which has never been applied to principle ). I have also made extra payments each year. For XXXX, XX/XX/XXXX and XX/XX/XXXX I made no payment, and my statements for those months had {$0.00} balance due. In XX/XX/XXXX, the total {$950.00} payment was applied to finance charge, as has each successive payment for the year XXXX. I called in XXXX, XXXX and XXXX trying to get my account corrected and have had 3 different solutions applied. I was promised, on my last call with someone names XXXX, that my whole account would be recalculated, the {$34.00} extra monthly payment applied to the principle and appropriate principle and finance charges adjustments made. I was told it would take care of the problem of my payments from being wrongly applied. My principle did change and adjustments to my payments for XXXX, XXXX and XXXX were made. But again in XXXX and XXXX, my total XXXX XXXX  monthly payments were applied to finance charges. My interest rate is supposed to be 4.5 % simple.
Consumer complaint received 2022-08-20
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: Experian Information Solutions Inc. (CA)

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

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

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

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

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

n accordance with the Fair Credit Reporting act XXXX Account # 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 2022-10-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION (NV)

I was 1 month past due on my VA Loan mortgage and already spoke with a Navy Federal Credit Union representative, that waived my late fee for XX/XX/2022 mortgage. He saw I've NEVER been late on a mortgage payment in the over 4 years of this mortgage. He also directed to Navy Federal 's website for possible solutions, to include a packet to look over options. Great and helpful employee.

Navy Federal 's collections department, also got involved, AS IF I was in foreclosure already. They even made it very difficult to make a payment to their mortgage department, TO BECOME CURRENT on the VA LOAN. I was fortunately able to reach a representative to take my payment for both XX/XX/2022 ( past due ) & XX/XX/2022 ( not past due, when payment was made on XX/XX/2022 ). For my mortgage, I have until the XXXX of every month to make a payment before it becomes " past due ''. I am now " CURRENT '' on my mortgage. 

Navy Federal collections department starting with sending multiple " certified '' letters, for me being only ONE MONTH past due. The most recent " certified '' mail from them was a packet about avoiding foreclosure. I was informed that a mortgage DOES NOT enter into foreclosure proceeding until 6 MONTHS past due. I was only 1 MONTH past due. The mail was a packet date XX/XX/2022 ( well before my XX/XX/2022 payment & ability to pay the past due amount. 

I even received a " certified '' letter prior to this in XX/XX/2022, already mentioning that I am past due. I spoke to a representative already and now " Loss Mitigations '' is getting involved and trying to block access to make a payment? I was not even given the chance to become current by the XX/XX/2022 mortgage payment. Horrible tactics by Navy Federal Credit Union on a VA LOAN. I've also come to understand they have outside investors that financial interest, even in Navy Federal VA Loans.

Please investigate Navy Federal Credit Union 's collection tactics. I may also take legal action.
Consumer complaint received 2022-08-20
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Section XXXX : It states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime with antedates the report by more than seven years. 

XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXXXXXX XXXX OF XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mountain Run Solutions, LLC (MD)

I had a debt filed by XXXX a couple years ago. I disputed this debt, as XXXX was in violation of our contract. I won the dispute, and all collections were removed from my credit reports. 

Fast-forward to XX/XX/21, and I receive a notice from a third-party collection agency ( Mountain Run Solutions LLC ) alleging that they have purchased this debt from XXXX, despite it having already been disputed and settled years ago. The notice from Mountain Run Solutions was dated XX/XX/21, but I did not receive it in the mail until XX/XX/21, leaving me with only 4 days to file a formal dispute. So I disputed the debt with them on XXXX via the email address provided on the notice, and Mountain Run Solutions acknowledged receipt of my dispute on XX/XX/21. 

On XX/XX/21 I received a text message from Mountain Run Solutions stating that they were going to report the debt to the credit bureaus if I do not pay them by the next day ( XX/XX/21 ). I told them that they can not purchase and try to collect on a debt that has already been resolved. In response, they offered to send proof of the debt to my mailing address, to which I agreed and provided my mailing address. 

Today ( XX/XX/21 ), just 3 days after Mountain Run Solutions said they would be mailing me proof of the debt, I received notifications from XXXX and XXXX that new collections from Mountain Run Solutions have been reported on my credit reports. 

I believe Mountain Run Solutions has violated the Fair Debt Collection Practices Act, because ( a ) they purchased and tried to collect on a debt that has already been disputed and resolved in my favor, and ( b ) they acknowledged my dispute of the alleged debt held by Mountain Run Solutions and indicated they would be sending me proof of the debt, but instead of doing so they immediately reported the collections to the credit bureaus. I have all the transcripts of these conversations.
Consumer complaint received 2022-08-20
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: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XXXX, NY XXXX i son my Experian credit report. I DO NOT OWN THIS PROPERTY NOR HAVE I EVER LIVED THERE. I've sent quite a few letters on this issue to have this fraudulent property removed.
Consumer complaint received 2021-02-09
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: EQUIFAX, INC. (GA)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-08-20
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: EQUIFAX, INC. (IN)

After carefully reviewing my EQUIFAX credit report I noticed that there are several inaccuracies. Amongst these inaccuracies there are 4 credit inquires that I did not authorize, nor do I recognize. The following inquires are as listed along with the dates in which they occurred : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation (TX)

This account is reporting on my credit report and I have no idea what it is. I've sent letters disputing it and have not received a response. They just updated it XX/XX/2022 and they are reporting it as closed and charge-off. They have continued to report it as a charge off every month but they won't respond back when I send letters asking for a response of proof.
Consumer complaint received 2021-02-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

I've been banking with Citizens Bank since I was XXXX, and until recently, they were a great bank. The employees at the XXXX  branch were always helpful and exuded amazing customer service. The Saturday before XXXX XXXX XXXX, I received a text message from what I thought was Citizens Bank alerting me that someone had to use my debit card. I responded NO to the text and then received a call from what I thought was Citizens Bank ( they had spoofed the number ). They assured me I would be receiving a new debit card, and they would waive the fee for expediting the card to me. I did not give them any information over the phone, but they were " testing '' a new fraud protection program to ensure my account was secured. They sent text messages to my phone through a testing account called dispute transactions. A few days later, I saw four separate XXXX transfers for {$500.00}. For the record, I don't use XXXX ; I only use XXXX. Apparently, Citizens Bank did not think four separate transactions for {$500.00} were suspicious behavior and did not contact me when the transactions went through. Upon seeing this myself, I filed a fraudulent claim. I was updated by a Citizens Bank representative that it's going to be incredibly difficult to get my money back and that I should contact the Attorney General 's office. 

Not only was this {$2000.00} for rent and utilities, but also for wedding and school expenses. My fiance and I are also saving up for a house and considered financing with Citizens. Every person I've spoken to from the Citizens Bank call center has been incredibly rude, callous, and condescending when I was the victim of fraud. What's even more disconcerting is that I found an XXXX XXXX article about XXXX and consumer scams XXXX https : XXXX ). Still, yet Citizens has left me feeling like nothing can be done to recuperate money I worked incredibly hard for.
Consumer complaint received 2022-08-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Mr. Cooper Group Inc. (MO)

XXXX XXXX  ( Mr. Cooper ) refused a " Reverse Mortgage '' on a 3.875 % loan {$250.00} House with {$82.00} left on the mortgage. My age is XXXX with the need for senior citizen.line of credit.
Consumer complaint received 2021-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ATTENTION TO XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX ) in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2021-03-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX XXXX several notarized letters were sent out on my behalf to XXXX, XXXX, Transunion for verification of items that were listed on my credit report. I sent these letters with return receipt asking how the items in question were indeed verified. I since have received no written response and It has passed the 45 day limitations which the law states that these items in question must be removed immediately. The items in question are as follows : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX
Consumer complaint received 2023-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (NJ)

In XXXX last year I made a balance transfer on my Elan Financial Services Fidelity Rewards credit card. The amount of this transfer was {$8000.00} plus {$320.00} in fees. The transfer had a promotional interest rate of 0 % APR. 

In XXXX of this year I made purchases on this card. I then made payments to the same card after these purchases posted. 

The statement closong on XX/XX/XXXX shows balance subject to 0 % interest as XXXX and {$4000.00} subject to 18.24 %. The XX/XX/XXXX statement shows {$2500.00} subject to 0 % and {$6900.00} subject to 18.49 %. I was advised that payments I made were applied to the 0 % APR balance rather than the XXXX balance. 

However the correct order of application of payments per Elan is " Payments made up to the minimum payment will be applied to the balance with the lowest Annual Percentage Rate ( APR ) first. Any additional payment amount ( s ) above the minimum payment will be applied in the order of highest to lowest APR balances. '' The minimum payment due XX/XX/XXXX was {$120.00}. After that amount was satisfied, payments should only be applied to purchases balance. 

I specifically asked an agent before making the balance transfer if I would be able to avoid interest and keep the promo rate by paying purchases down immediately and was answered in the affirmative. Before making the payments I double-checked with Elan customer service
Consumer complaint received 2021-03-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NC)

Unbeknownst to me, I received an alert a few days ago from XXXX  monitoring that I have collection activity. My mind was indeed blown as Im currently in the process of purchasing a home. Midland debt collection was listed on my credit report and I have no idea who/what this is for. So of course, I call and tried to piece the puzzle together. Unfortunately they couldnt give me much detail other than the original creditor and the amount owed. I asked for some type of documentation as I dont recall ever applying to this company. They basically repeated the same thing and wasnt helpful. I requested a debt validation letter and they could not provide. I asked for a contract/statement but to no avail. This is extremely frustrating as I have absolutely no idea how this could have happened to me!
Consumer complaint received 2021-03-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ATTENTION TO XXXX XXXX I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$690.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2020-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2022-06-27
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-02-28
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: Experian Information Solutions Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX Original Creditor : 09 XXXX XXXX XXXX XXXX XXXX TN ) Acct # XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Acct # XXXX .... XXXX  Acct # XXXX that is listed on my credit report. Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 credit bureaus. How can one account be opened on different days? I want these alleged accounts in question to be removed from my credit report immediately.