davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
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. (NC)

I hope you can help I reached out to the bureaus on XX/XX/2023 and haven't gotten a response. I noticed so incorrect info on my report I'm getting upset! Also I dont know who these creditor are! I will list the accounts below! 

1. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

2. Validate Account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

5. Identity Theft XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

7. Identity Theft XXXX  Account Number : XXXX Please investigate and delete from my credit report XXXX. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report. 
7. Identity Theft XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

8. Identity Theft XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

9. Identity Theft XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
Consumer complaint received 2023-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (GA)

I qualified for XXXX XXXX XXXX XXXX almost 2 years ago, and my loans have still not been forgiven. The threshold for forgiveness is XXXX payments, and Mohela currently has my account listed as having made XXXX qualifying payments towards loan forgiveness. I contacted Mohela ( the loan servicer ) today, and no one could give me any concrete information on my account status. 

I have completed all of the necessary forms and continue to update my employment via the XXXX employment certification forms, but no one can tell me when or if my loans will be forgiven. 

My account is now 22 months past the date that I should have been forgiven, and during that time my loans continue to sit on my credit report and limit my ability to receive financing.
Consumer complaint received 2016-06-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: M&T BANK CORPORATION (MA)

We purchased a boat, trailer and motor, in XX/XX/XXXX it was paid in full in XXXX 2016. I then sold the boat in XX/XX/XXXX. When the purchaser went to register the boat and trailer he was told there was still a lien on the trailer. I made numerous phone calls to the bank and nobody could seem to help me resolve this. After being sick for the last 5 days about this including the weekend I finally went online and found with no difficulty that there was indeed an electronic lien despite the multiple times I was told it was released in XX/XX/XXXX. I finally faxed a copy of my last registration to their bank and it is now being released. I am sure this is not how customers are supposed to be treated. I understand they are a large bank but had I been in the wrong and not paid my bill they would have contacted me in a moment. I know the problem is resolved for me after much distress but maybe if somebody is educated about this way of managing loans it will prevent the next person from having to go through what we had to endure
Consumer complaint received 2017-01-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (PA)

Chronologically, XX/XX/XXXX I purchased a home at XXXX XXXX XXXX, XXXX, PA XXXX. The mortgage was arranged through a mortgage broker, XXXX and the mortgage was through XXXX. It was a variable rate mortgage that I was steered into as the only available option to me. I never fully understood the ramifications or consequences. The mortgage was apparently sold quickly to EMC Mortgage. We took out mortgage protection insurance offered by the lender, but with the soon to be shuffle, problems within the housing bubble and selling of the loan which got worse and worse, somehow the insurance just disappeared. As it was an adjustable mortgage, it got to the point where I could n't afford the payments. Concurrently, other financial institutions got involved who I had no idea of, such as XXXX and XXXX. Actually, the first I heard of XXXX was when they filed a foreclosure against me. Shortly thereafter, Chase took over from EMC somehow ( very confusing ), and began a push to to have me modify the loan. Scared, and figuring I had no other choice, I followed their instructions, and modified the loan. Again, I did n't really understand the ramifications ; and it was n't until I sold the property in XX/XX/XXXX that I realized how bad a mistake this was for me. The original mortgage loan of {$240000.00}, which I had paid down to {$220000.00}, was now {$340000.00}! I was shocked to say the least! I ca n't understand the how and why of so many banks and deceptions in this convoluted mess. I did subsequently learn that EMC Mortgage and Chase were one in the same - they have the exact same address. I believe that I was initially forced into a bad mortgage situation by the mortgage broker, and when it adjusted to a much higher level than I ever anticipated, I was ultimately forced again this time into a loan modification which had an astronomical cost to pay off. I tried to secure a complete file of all documents including the mortgage insurance, but I can never get everything - Chase says that the loan moving from financial institution again and again, these documents are lost. I think they are conveniently lost so that Chase/EMC can strong arm me while giving the appearance of not being culpable for anything. Please help!!!
Consumer complaint received 2017-01-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Partners, LLC (TX)

Billing complaint - overcharged, then the outstanding bill was sent to collections agency and hurt my credit. Had a vet check up in XXXX for my dog. Paid bill in full during time of visit as required with debit card. Later on, I got a bill for {$130.00} and I disputed it with the clinic. The clinic claimed I had not paid my bill in full ; despite me doing so before I left the clinic during the time of my visit. They then sent the overcharged, outstanding bill, to a collections agency and hurt my credit score. I was forced to then pay the outstanding amount to alleviate the damage to my credit score. I did not owe this money, I had already paid my bill in full on the day of my appointment.
Consumer complaint received 2015-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NC)

Setereus took over servicing my mortgage from XXXX on XX/XX/2014. I was in arrears, its was a rental, had to evict tenant again, do n't make nearly the money I used too. Decided to sell instead of renting again. Took XXXX mos to get a contract. Throughout Seterus kept telling me the principal balance was {$52000.00}. I based sales price on this. Had received several offers of $ XXXX & $ XXXX. Seterus was willing to accept, but I was n't. Requested payoff figure, knew it would be a little more. It was {$5400.00} more, finally amount was {$5600.00} more. Almost could not close because the payoff figure was so high and still needed to pay real estate commission. I wrote Seterus as they instructed, also called once per week. Had XXXX questions, never answered. And had to pay extra taxes because Seterus refused to deduct it from their payoff figure ; taxes were paid by closing attorney which is standard in real estate closings.
Consumer complaint received 2023-05-26
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : You are reporting this collection on my credit report. I have no knowledge of this account. This is inaccurate reporting and needs to be deleted immediately. Please mail me a physical copy of my credit report when the above deletion has been executed. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-09-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I took out a mortgage on my property a year before Countrywide was bought by Bank of America. I was promised by Countrywide that my interest rate would be adjusted after a year or so. The Interest Rate was 8.85 % and my monthly payments have been for {$630.00} /mo. I have never missed or been late on any payment since. I started inquiring about a lower interest rate for my lo re-financing my Mrtg for at least 8 years now and always receive the same answer. Since I do n't have a XXXX XXXX or XXXX account there is nothing that can be done. My mortgage is under {$68.00} and it is still being met every month. 
As of XX/XX/XXXX I XXXX and am getting a little concerned about my ability to continue without a refinance to a lower rate. Of course since the GR I have been under water as my home has assessed for @ half of what it was valued at then. My retireme nt pkg can keep me viable for a while, but who knows how long I can keep going. I have asked at least 5 times to refinance the whole value at a lower rate but they say I am too far under to be considered. 
If you can help me to re-fi I would really be happy. 
I want to pay back what I owe, I only need to reduce my payment. Let me know what I need to do to get you all the necessary information. I have been pay ing this for around 9 years now at 8.85 % I see all these multi thousand dollar mortgages being re done and I do n't understand why they are hesitant to do mine. 
Thanks! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX
Consumer complaint received 2016-07-29
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (VA)

The lender Wells Fargo has taken from XXXX 2016 to now, XXXX XXXX to get our loan approved and get us to settlement. We were borrowing only XXXX, we have very high credit scores and own a home. Our loan was approved but the rest took many months and we really do not know why. The loan office kept telling us things were progressing. Due to what I can only see as negligence we lost the first house, and now, are on the third - due to Wells running out the clock on the deadlines. Wells Fargo does not respect contract deadlines. I want a government investigation of Wells Fargo lending practices.
Consumer complaint received 2015-08-17
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America intentionally trapped me as a consumer into a high interest rate poor credit card package by forcing me to sign up with a " pre-paid '' credit card first. I was told because i was young and had little credit history, that they prefer i do a prepaid card. Bank of America uses this practice to Trap younger generations and making it difficult and impossible for them to obtain Fair credit card deals and packages once they have proved their credit worthiness after paying their bills responsibly. Instead, BOA transfers their credit account directly to an interest charging credit card service with an APR exceeding 20 % + charging me annual fees when i generally would not be. I was robbed of the opportunity to have a better credit card service through bank of america, as it already deceptivley trapped me in the prepaid credit card service. Just a couple months after being told i should start with BOA prepaid credit card, i was approved for XXXX XXXX Credit card, which is XXXX of their premium credit card services. I believe Bank of america is intentionally trapping younger generations into deceptive credit card agreements, manipulating consumers into being trapped into accounts robbing them of credit opportunities and competitive deals. Even though i have always paid my bill, ever since my trial period was over with BOA, i have been rejected of new bank of america offers that would grant me the Usual 0 % apr for 15 months plus other card benefits. I believe bank of america is participating in anti competitive practices, consumer fraud, deceptive consumer practices, among other violations against me as a consumer.
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NC)

I have recovered from my identity being compromised and upon reviewing my credit report I noticed inaccurate information. I have experienced billing inaccuracies-failure to post payments to account, lost payments on account, no resolution to fraud case and has led to my account being closed and I would like it to be reopened. I use to work for the company XXXX and continue to shop with them and want my card and feel it was closed unfairly as I didn't authorize this.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

to whom may concern, i never opened a XXXX  account get help with my credit score. if possible i need this credit taking off my credit report.and have a boost to my score for this matter that also took my score down a lot of points...
Consumer complaint received 2016-09-14
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: U.S. BANCORP (FL)

I have an auto-loan with U.S. Bank and regularly make my payment via the U.S. Bank iphone app. I made my XXXX payment via the iphone app as I had for the past year and a half. According to U.S. Bank, when I attempted to make my XXXX payment, I entered my paying bank account number incorrectly. However, there was no notification whatsoever at the time via the iphone app. From my perspective, the payment went through as it had for the past year and a half. I received a call over 2 weeks later from US Bank telling me that my payment did not go through. I immediately made payment over the phone. Despite this, they still charged me a {$35.00} late fee. I believe it is an unfair and deceptive trade practice for US Bank to make no notification that the payment did not go through at the time of the transaction through its app, and then to turn around and charge a late fee. I spoke to a manager at US Bank, explained the circumstances and the fact that I have always made my payments on time, and they still charged me the late fee. I am sure other consumers have been similarly placed in this situation and that US Bank is making a fortune charging consumers late fees - lulling consumers into believing that their payments have gone through via their app, and then charging them a late fees when there is an input error ( it is still not clear to me whether the error was caused by the input system itself, or me ).
Consumer complaint received 2017-02-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (CO)

I had an auto loan with GM Financial. I refinanced and it was paid off. It is showing as negative on my credit report, fine, but that was over 7 years ago. It has aged out and XXXX/XXXX/XXXX will not remove it from my credit report. They claim that they contacted GM Financial and its per FCRA regs.
Consumer complaint received 2023-05-26
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX and Transunion - have knocked off creditors from my account that show over 30 years of credit including 2 mortgages that have been paid in full and for the 2nd time this year with nothing added to my report but a good paying history on 2 accounts have lowered my score to XXXX from over 600. Meanwhile XXXX has it correct and has increased my score steadily with the current information. Please verify to me why these companies can do such without anything changing on your report and how can they delete the value of past mortgages. They should be punished for what they do in error and then provide no way to dispute the facts and only allow you to dispute what they have on the report- so when they delete something you just are supposed to deal with it. It really is a shame they can get away with such.
Consumer complaint received 2023-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Start Connecting dba USA Student Debt Relief (IN)

On XX/XX/2023 we were contacted by USA Student Debt Relief by XXXX XXXX who is a Representative for this company. Other names we had contact was XXXX XXXX. His direct line phone number is XXXX. He made a good sales pitch and we applied for their program. We then received on XX/XX/2023 from the U.S. Department of Education stating that there was fraudulent activity on our student loans. We sent him our information to apply for the loan and was approved. After we got the e-mail from the federal government we were concerned about fraud. We were told by XXXX XXXX that we needed to pay {$190.00} a month that would go directly to their company for 4 months then {$9.00} a month for the life of the loan after the first 4 payments. We became suspicious about this and called him to cancel the loan. The company didn't explain to us how this would work. We took all the precautions and necessary to stop payment to this company. I hope this will help people to not fall for this scam!
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

My credit report is showing both a dismissed XXXX  XXXX Bankruptcy and a discharged XXXX  XXXX Bankruptcy. I have disputed these items several times over the last 9 months but the bureaus continue to respond ITEM VERIFIED to the disputes I've submitted. This is extremely confusing to me because the Bankruptcy court respond to my inquiry to them by stating that they do not report or verify any information to or with the credit bureaus. When receiving notification from the credit bureaus that they verified the information electronically via XXXX XXXX I contacted them. They sent me a notice stating that the information was removed and recommended that I contact XXXX, Experian and XXXX to inform them. Nevertheless, with the courts stating that they do not provide any information publicly that includes my social security number or other personal information, I don't understand how the bureaus are claiming that they verified the information. This is a direct violation of the FCRA and must be addressed. These inaccurate and unverifiable public records must be removed from my reports immediately as they are extremely damaging to my file and my well being.
Consumer complaint received 2016-07-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I am an XXXX XXXX XXXX enrolled in the XXXX Student Loan Repayment Program. During my eight years of education I incurred a loan debt burden of about {$200000.00}, divided into dozens of smaller loans ( XXXX, XXXX, consolidation, etc. ) and spread among XXXX lenders, with interest rates ranging from 2-7 %. 

I have XXXX student loans that are currently owned by Navient. XXXX of these are at a 6.8 % rate, XXXX at 2.3 %. When the XXXX sends a lump sum payment each year, Navient distributes that payment evenly over all XXXX loans, even though some carry a high interest rate and some carry a low XXXX. When I request to have them apply this payment only to the higher interest loans, I am told that they can not because the XXXX will not allow them to. When I informed the representative that the XXXX has no such regulation, I was informed that this is " guidance from the XXXX. '' While this seems like a trivial complaint, it will cost me ( and the XXXX ) thousands of dollars over the life of my loans. 

Last year I filed this complaint with the XXXX. Navient acquiesced to my request to redistribute my payments after being contacted by the Ombudsman 's office, but they reversed the changes after an " internal audit '' a few months later, after the complaint had been resolved.
Consumer complaint received 2023-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2016-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (OR)

I refinanced my home in XX/XX/XXXX with XXXX. The loan was immediately sold to Stearns Lending. I received a refund of {$680.00} from XXXX which I wanted applied to principal only. Since the loan was sold already, I wrote a check to XXXX and mailed it to them indicating principal only. I received notice from XXXX that they received the check on XX/XX/2016. My first payment is not due until XX/XX/2016, however, XXXX applied my payment as follows : Due Date Applied Date Description Principal Interest XX/XX/2016 XX/XX/2016 PrincipalCurtailment {$9.00} XX/XX/2016 XX/XX/2016 ModifiedCouponPayment {$230.00} {$430.00} XX/XX/2016 XX/XX/2016 OriginalLoanSetUpDate $ XXXX My loan account was not finished being set up until XX/XX/2016. Each email ticket took about a week to receive a reply. 
On XX/XX/2016, I called and finally reached a representative. She told me it takes about a week to make the change on the payment. They will not apply it retroactively to the date they received the monies. Also, it is now XX/XX/2016 and the account is still not fixed, as shown in the table entry above. They are saying my next payment due is XX/XX/2016. I question that they are still not applying my payment properly and holding my monies as early payment rather than a principal payment.