davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Demanding that a borrow complete a recast form and pay a {$300.00} fee so that extra principal payments are properly reflected in the recording of monthly payments, i.e. a lower proportion of the payment goes to interest expense and more to principal, is fraud and theft and a violation of federal and state law. Credit card companies can only charge interest on the monthly outstanding balance, but NewRez continues to charge interest on principal balances that no longer exist because they have been paid off with extra principal payments. And NewRez makes every effort to avoid doing a recast with their customer service reps consistently stating on recorded lines that they do not know anything about recasts or even stating NewRez does not do them. Also, once a recast is requested, they take 90 days to complete it. 

I had a mortgage both on my home and raw land in the 1980 's and whenever I made an extra principal payment, the proportion of the monthly payment going to principal each month was immediately recomputed by computer and increased with no need to request a recast. Yes, even in the 1980 's, computers could easily do that. SO NEWREZ NOT DOING THIS IS A VERY BLATANT RIPOFF!!!!
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NV)

I recently looked at my credit report and noticed numerous inquiries on my credit report that I did not authorize please remove these account as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. 
Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP (NJ)

Honda Financial Services had my vehicle XXXX XXXX XXXX repossessed on XX/XX/XXXX XXXX. I've spoken with one of the managers regarding a payoff quote XXXX XXXX on XX/XX/XXXX. His response was how are you going to pay it? I've sent several letters to XXXX and they are not working with me to sort out my request. I've made them aware of my situation being behind on payments and I was threatened that if I don't pay I will lose my vehicle. Pursuant 15 USC 1692a4 Honda was paid up front. Pursuant 15 USC 1681b ( 2 ) insurance is supposed to be included in my finance charges and I've been paying for insurance they should have provided. I cease and desist all communication and the loan. Pursuant 15 USC 1692 D ( 5 ) communication has been a violation on XXXX 's behalf. Calling me at inconvenient times whilst working is a federal offense. XXXX has hired another company XXXX XXXX to detain my vehicle which is against FEDERAL Law. XXXX is in violation of my rights by having my vehicle taken without my consent with a third party. As of XX/XX/XXXX there's still a positive balance of {$11000.00}. I'm a consumer and natural person with rights and I demand my vehicle be released as soon as possible. This has stopped me from taking my kids to school and getting to and from work. This has taken a toll on me mentally, physically, and emotionally. The contract that I was sent is null and void. Also, as per Truth in Lending Act specially states that I the consumer can cease and desist and also cancel this contract. That disclosure was not provided at sale and my contract was sold to a third party at the time of sale.
Consumer complaint received 2022-02-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

In XXXX of XXXX a credit card with Bank Of America ( BOA ) was fraudulently opened in my name. I did not discover this until the fall of XXXX when a collection agency contacted me. I immediately filed a police report and hired XXXX ( a credit restoration service through XXXX XXXX ) to assist in getting this card off my credit report. In XXXX of XXXX we started calling BOA to get this resolved. Now its been 13 months with zero resolution. 
I have sent them everything they have asked for to resolve, including police reports and other documentation. We have made countless calls to BOA. Its important to note that 3 other credit cards were opened in my name at the same time with 3 other banks. All of those banks released my obligation within a couple weeks of contacting them. BOA has all the information to prove it was fraudulent but continues to do nothing. This has negatively affected my credit as we are now in the process of purchasing a new home- the higher interest rates will cost us several thousand dollars. This needs resolved! I am convinced BOA is not even trying to resolve as they have all the information needed. 
HELP!
Consumer complaint received 2021-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (DC)

On XX/XX/2021 I discover that PNC has literally suspended all access to my present account in retaliation no just cause, simply due, for my lodging past complaints about my online account access being denied. 

To date I have no access to my account at all, I cant make deposit, no access to balances, initially since opening account in XX/XX/2021 I havent had no online access at all. 

The resolution I seek for PNC mistreatment, is all access to my account be immediately restored
Consumer complaint received 2024-12-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (NC)

Purchase a gift card for {$100.00} value in the state of Virginia, went to the store today and it was declined, called customer service and come to find out that the company had a data breach in 2021 but never pulled the cards out of the stores and kept selling them, now they ask me to go online and upload the card copy along with Id, the website is not working and when you call back then youre asked to send a fax along with personal information, the whole process is sketchy starting with a disabled website and not a trust business overall
Consumer complaint received 2022-03-12
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. (TX)

I am a victim of Identity theft, XXXX XXXX XXXX  has a fraudulent credit card on my acct. XXXX XXXX XXXX XXXX has a fraudulent loan on my profile and lastly XXXX XXXX XXXX is reporting a Fraudulent charge for someone unpaid rent. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (CA)

Continental financial reported a missing payment of 30days Late for the month of XX/XX/2022. I paid the creditor on time and I doubled the payment. I was never 31 days late with this creditor. I even disputed the creditor and sent payment documents that I wasnt late and paid in timely manner. The dispute reported accurate from creditor but its incorrect and I need further investigation with this creditor.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Hello and good day, please read this complaint seriously. My credit report has inquiries I don't recognize, I did not give permission to these companies to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

This is addition to my earlier complaint number XXXX. 
I had tried the XXXX time ( to obtain free annual credit report from Equifax through XXXX site ), they refused me twice, the third time they demanded I receive a text message from them. 
I do not have active phone! 
I do not plan to have active phone for a while. 
I do not need to have an active phone to receive my free annual credit report online! 
This is not what the law says. 
This is implementation of tracking and XXXX social credit system. 
The are acting unlawfully. Even if I had a phone number now I would not use it and I do not authorize Equifax to text me, it's none of their business what is my phone number either. 
I was not asked any of the usual identity questions by Equifax before refusal, only my email and phone, which are none of their business. 
I do not want to communicate with them by phone or them sell my email and phone or leak them. 
Also, no alternative had been provided, except one link which had lead to blank page with HTTP error message 404. 
I already provided full identifying info to AnnualCreditReport site, my SSN, DOB, address, name : this is sufficient to identify me for free annual credit report.
Consumer complaint received 2022-03-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I previously sent my complaint Experian about blocking or removing all the information that is erroneous and fraudulent. They failed to organize a proper investigation to confirm and validate the items and unauthorized inquiries since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : 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 Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX
Consumer complaint received 2022-03-09
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: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX of XXXX there is there is a hard inquiry showing on my XXXX Credit report and when I called Wells Fargo who it says is the creditor who is reporting this info they have no record showing of an inquiry ever being made under my social security number when I ask them to send me supporting information they told me they were unable to do so because they did not have any information for me. I spoke with 3 separate representatives the last of whom was XXXX XXXX in the credit application department on XX/XX/XXXX who confirmed that she did not see any informal in their system for me. All XXXX representatives that I spoke with said they could find nothing under my social security number which I gave. I then called XXXX who told me to file a dispute because it had been over 6 months since the supposed inquiry was made I however could not see it on my credit report until this past month. I do check my credit report at least once per month.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX  XXXX Balance {$14000.00}
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (NC)

I have a Mortgage with Shellpoint Mortgage Servicing and fell behind due to XXXX causing a Loss of Income, my acct was in Forbearance then Denied Deferral, unwillingly I accepted a unreasonable Repayment Plan instead of accepting a Higher Rates and Longer Term XXXXffered by XXXX XXXX in lieu of Foreclosure after 10 Plus Years, was helped by a Family Member and Ended the Repayment Plan after 5 Payments on XX/XX/21 and brought Acct Current, as of today Shellpoint has Reported to the Credit Bureaus that my Last Payment was on XX/XX/21, Reporting my Now Invalid and not in Effect Higher Repayment Payment Amount, also the {$3800.00} Payment I made in XXXX is Reporting as a Increase in my XXXX Balance instead of a Decrease even though on their Website the Info is Current. 
This action has caused by Credit Score to drop by XXXX Points making it extremely difficult for me to Refinance My XXXX and Depart from this Co, as it seems they are making it very difficult me to leave. 
I think the XXXX Co is trying to get back at me for their Predatory Wrongdoings I Filed in my previous Complaint number XXXX Submitted on XX/XX/21. 

I would sincerely appreciate if someone could take a look at this Co Unethical Business towards their Customer the Consumer. 
Thanking you in Advance.
Consumer complaint received 2022-03-12
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account number # XXXX, XXXX Account XXXX # XXXX, XXXX XXXX XXXX Account number # XXXX, XXXX  Account number # XXXX, XXXX XXXX XXXX Account number # XXXX has XXXX 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 2022-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (GA)

I want to file a complaint regarding my student loans. I have received differing information regarding consolidating my federal loans. I called several weeks ago and inquired about consolidation of all my federal loans. I was told by the loan agent that my loans would be consolidated into one loan and my PSLF qualifying payments would be recalculated and counted as the highest number of payments made to all loans. So I proceeded with the consolidation. I completed the app online and got confirmation that my loans were being consolidate. Then on XX/XX/22 I got a letter in the mail that was regarding my consolidation. The letter stated that if I consolidate these loans I would have to re-start my payment counts toward PSLF. I panicked. This is direct opposite of what the agent told me. I placed many calls to MY FED Loan and was put on hold for over 30 minutes, when I tried to get a call back I was either hung up on or placed on another hold. Never was able to ask anyone. I searched the website for information and saw on there as well that my payments would restart. I canceled the consolidation request so I would not loose my payments. The website states that counts start over as well. However I am hearing from MANY other borrowers that this is no longer correct but that the site is not updated, that the letter I got 2 weeks ago is outdated. So I have once again been trying several times a day to contact the servicing center with absolutely no luck at all. I can not get the information that I need to determine if I need to apply for consolidation again. This has been very confusing and the information that I was given over the phone weeks ago is direct opposite of what is on the website. I need written facts so that I can determine if consolidation is the right course for me. I can not consolidate if I have to restart my payment counts. I just need correct information and can't even get a call back. I have also direct messaged them on XXXX XXXX and can not get a response. I do understand that everything is in process to change the information however there is a deadline I am trying to meet as well for the consolidation process. I need help getting the correct information. I have been getting misinformation for years with various student loan servicers.
Consumer complaint received 2022-02-12
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received a notification from My XXXX  that there was a credit inquiry under my name or SSN from two payday loan providers last XX/XX/2022 in which I didn't applied for. The companies are XXXX XXXX with tel. no. ( XXXX ) XXXX and XXXX XXXX with tel no. ( XXXX ) XXXX. I tried to settle and have the companies stop whatever illegal operation was being done under my account but they wanted some important information which I don't want to provide. ( my SSN ) In relation to this I would like to report this incident to protect myself or my account from being used in some illegal activities especially loans and purchases. Please help me resolve this problem as soon as possible. Thank you very much.
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

on XX/XX/2022 I applied for Credit card offer with capital one bank and the term and condition agreement was no annual fee. 
After the account establish and activated the card when i login it was {$39.00} annual fee. 
At that time when i contact capital one bank i was told that the term & condition can change after the card activated. 
I completely disagree to that type of change and to wave the fee to close the account i did. 
i ask to hard inquire be removed from my credit profile, the respond was nothing they can do. 
please i need your help to remove the enquire form my file thanks
Consumer complaint received 2022-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (SC)

I was in a COVID deferment and spoke to someone in XXXX XXXX and indicated the hardship was over and that I would like the loan reinstated. I was instructed to start making my regular monthly payment in XX/XX/XXXX. I made that payment and a payment in XXXX, XXXX and XX/XX/XXXX. None of those payments have been applied to my account and there is no record of where those payments have gone. My account is still showing as past due. I have inquired several times why this was and was told the loan was waiting approval for loss mitigation. Each month I call and I get the same answer. I am not sure why or how it could take four plus months to work through the loss mitigation process and reinstate the loan but it is excessive and no one can tell me when it will actually be completed. There are also escrow concerns as the escrow amount being computed was incorrect as it was set at a higher rate based on the property being a secondary home rather than a primary. Because of this the escrow balance was positive for almost the entire hardship period so whatever lump sum payment ends up being deferred needs to account for the error.