davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have an account that shows up on my Trans union credit report from XXXX XXXX XXXX for {$67.00}. This account was paid in full last year. I have tried numerous times to tell the collections agency to correct their error and they keep saying that they have. Nothing has been done to recitfy it. I have paid this account in full and with interest. Attached document is a letter from the collections agency showing that my account has been closed. Please have this updated and removed from my credit report. Thanks. XXXX. XXXX
Consumer complaint received 2015-08-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

Facing foreclosure after being given the run around for over a year I filed chapter XXXX to save home. Could n't afford the payment. Wells Fargo contacted me in XX/XX/XXXX for me to reapply for modification. Balance at time was {$69000.00}. After modification the balance was {$89000.00}. I purchased home in XX/XX/XXXX for {$79.00}. I know this is not correct.
Consumer complaint received 2017-02-17
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: EOS Holdings, Inc. (CO)

This collection showed up on my credit report in XXXX and I did not know where and why it came from. Now that I checked my credit report they have re-aged this and dated it XXXX XXXX XXXX. There is absolutely no way I owe this and it got placed XXXX. I did n't receive a single notification about this, and how you can re-age some sort of collection, I believed re-aging is unfair practice
Consumer complaint received 2024-10-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CA)

I submitted a School Misconduct Loan Discharge Application that was confirmed to have been received by Navient on XX/XX/XXXX. I was told both loans would be put on forbearance during this process ( only one of them was, and I had to repeatedly call to get the other one placed on forbearance after I was told by one employee that it " wasn't necessary '' and refused to submit a forbearance request for me ). 

Navient is handing all of these loans over to a new lender ( XXXX ) on XX/XX/XXXX and I have a feeling they are just going to completely ignore processing my request until this takes place, forcing me to go through the application process again. 
Even our United States government is aware of the unethical, immoral, and illegal student loan procedures that Navient has been practicing, and a letter was sent to the CEO of Navient by multiple congresspeople and representatives of the US government outlining those infractions. It is absolutely ridiculous for Navient to drag their feet in processing these applications, or denying these applications without just cause, because they know they will be relenquishing responsibility for them within the next couple of weeks. They must be held responsible and accountable for these predatory loan.
Consumer complaint received 2016-05-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

Our mortgage company, Ditech has been sending letters stating that we are behind on our mortgage since XXXX XXXX and has sent a notice of default when in fact we are not behind on any payments. We have spoken with customer service and they verbally acknowledge receiving our payments but will not put in writing what has been stated verbally to us numerous times ( that payment was mis-allocated and pending re-allocation and that they are having problems with their system upgrades. We are in the middle of a refinance with Ditech and are concerned that we will lose our locked rated if the payments they have received are not posted properly to our account in a timely manner. We are also concerned that Ditech will try to foreclose on our home/current loan before correcting their internal problem. We are wondering if this is a predatory lending strategy.
Consumer complaint received 2015-08-19
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have been approved for a reverse mortgage however my payoff is approximately $ XXXX. 
Over the course of my Mortgage I have refinanced XXXX times. Each time I used what Bank of America calls it 's " Fast Track '' refinance. This is a method where no documentation is required. I did pay all closing costs for each refinance. It is now my understanding that it is not legal to use this " Fast Track '' more than once, however they did. ( XXXX ) If I was not allowed to refinance through this " Fast Track '' method ( illegally ) I would not qualify for a refinance. The money for closing XXXX would never have been added to my principle and I would not find myself short financially on my existing lien to obtain the reverse mortgage that I seek. 
BofA is refusing to negotiate an option to payoff this existing lien. I would like my closing costs returned to my principle so that I may complete my reverse mortgage.
Consumer complaint received 2024-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello and good day, please read this complaint carefully as this is very concerning. There are credit inquiries on my report that I don't recognize which seems to have been done online as I don't ever remember applying to these companies, they have accessed my credit report without my knowledge and permission to do so. I did not authorized these and are fraudulent, this is causing me unnecessary XXXX  and XXXX.
Consumer complaint received 2015-08-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Harley Davidson Financial Services Inc (FL)

Harley Davidson Finance AKA XXXX XXXX is not computing their so-called simple interest contracts using the same formulas which change month to month in order to charge more interest to consumers. 
Additionally, XXXX is holding payments from consumers and posting them later in order to collect a larger per diem interest rate which makes them more profits and lengthens contract terms to their benefit. It also costs consumers more over the life of the loan in interest. 

My billing on XXXX/XXXX/15 based on my interest rate of 12.99 which is basically legal loansharking which SHOULD account for a reduced daily per diem because of a reduced principal balance per the statement states:XX/XX/2015Payment $ XXXXInterest $ XXXXPrincipal : $ XXXXXX/XX/2015Payment $ XXXXInterest $ XXXXPrincipal $ XXXXXXXX claims although the daily per diem interest costs should decrease my interest costs have increased which is the opposite of how so-called simple interest loans operate. 

Basically, XXXX contracts need an audit from your agency because this affects XXXX loans & consumers.
Consumer complaint received 2017-07-29
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: CCB Credit Serivces, Inc (FL)

ON XXXX AND XXXX 2016 SOMEONE TRIED TO TAKE OUT CREDIT CARDS USING MY NAME BUT WAS UNSUCESSFUL SINCE THEN I HAVE NUMEROUS AMOUNT OF HARD INQUIRIES ONLY IN XXXX AND XXXX 2016. I HAVE SINCE THEN FILED A POLICE REPORT ABOUT THE SITUATION. I HAVE CONTACT THESE COMPANIES BUT HAVE GOTTEN NO RESPONSE FROM THEM EVEN THOUGH I HAVE A IDENTY AFFIDAVIT AND A POLICE REPORT.
Consumer complaint received 2024-08-28
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. (TX)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

I suffered from identity theft after the Equifax credit breach. My XXXX  XXXX credit card was used for fraud. I told the bank this and received no response for 18 months after 3 attempts to contact them. I then contacted a different department and agreed to pay off the debt, despite not being mine, if they would show the card as closed but Paid in full '' to which they agreed. They've not updated the information on any of my credit reports.
Consumer complaint received 2017-11-11
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. (UT)

In accordance with FCRA 605B, I requested a block of information on my XXXX, TransUnion, and XXXX credit reports that are fraud, including proof of identity ( Drivers License and Social Security Card ), Identity Theft Reports and police report XXXX XXXX XXXX and XXXX XXXX XXXX, detailed identification of the fraudulent accounts on my credit report with copies of credit report, and a detailed letter stating the information on my credit report is fraudulent and not related to any transaction authorized by me. 

Accounts included : - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX ( previously determined to be fraud in XXXX XXXX ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

These letters were received by each credit reporting agency by Monday, XXXX 6, XXXX via XXXX XXXX XXXX with Tracking. 

It has exceeded the four ( 4 ) days allowed to block and remove the identified information from my credit report, and it has not been blocked. 

In addition, Citicard account determined to be fraudulent and removed from my credit report in XXXX XXXX are now showing up on my credit report again over the past two weeks. Once an account is determined to be fraudulent, it should be blocked from my credit report unless written notice is provided by the credit reporting agency and creditor that the account has been found valid and accurate accompanied by account verification documentation. This notice and information was not provided.
Consumer complaint received 2017-03-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (FL)

Freedom Mortgage grossly and negligently estimated my escrow amount over the past few years and ended up with a shortage of nearly {$2000.00}. They now want me to pay in full for their inept skills, increasing my total monthly mortgage payment by nearly {$250.00} and adding a tremendous hardship. Freedom Mortgage is now demanding this additional payment under threat of reporting me to the credit bureaus and charging late fees. Their use of position and authority to try and intimidate me is both discouraging and serves as one of the many reasons for this complaint. If this information is published publicly, please let this serve as a warning : Freedom Mortgage deals dirty. 

Also worth noting is their sudden insistence ( at the same time of this so-called " escrow shortage '' ) to refinance my home or else take out an equity line. I believe they are using this " shortage '' as leverage to fish for more business.
Consumer complaint received 2017-11-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I currently have a Mortgage with Carrington Mortgage ( CM ). The Loan has an Escrow account for the Taxes & Insurance. The County I reside in no longer requires I pay the School Tax after I turn XXXX. I will be XXXX this XX/XX/XXXX. Therefore, the XXXXchool Tax will no longer be required to be paid in XXXX. I have forwarded a letter to CM from the County Tax Commissioner stating that I will be exempt from the School Tax in XXXX. CM is aware of this, yet refuses to lower my monthly Escrow collection accordingly. Why is CM allowed to collect the additional funds from me when they have been notified that the funds are no longer required to be collected? I, as a Senior Citizen, can use the approx. {$96.00} per month better than CM can. Please help me with this issue. CM is a Large Corporation and I am just one Man. I do n't know who else to turn to for help except you. Please help me.
Consumer complaint received 2017-02-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Diversified Consultants, Inc. (AL)

Back in XX/XX/XXXX, I joined XXXX ( XXXX ) and left for training. I had called the original creditor ( XXXX ) to have my account put on hold in accordance with the Servicemembers Civil Relief Act ( SCRA ) and explained that I would be away on XXXX. The representative explained to me that my account would be placed on hold and that I can reactivate it upon completion of my XXXX. I finished my XXXX around XX/XX/XXXX and was then at the time able to reactivate my account. When I called, they informed me that my account was closed and sent to collections for failure to pay. XXXX charged me over {$1000.00} in fees and late payments due to a failure on there part to abide by the SCRA. The debt collection was sold to XXXX. A little over two years ago, back in XX/XX/XXXX, I started receiving the initial contact from XXXX. They were unable to provide adequate information regarding this debt at the time and it was also apparent that the debt was past the applicable statue of limitations. I contacted XXXX credit reporting agencies informing them of this agencies actions and intent which in turn the credit reporting agencies verified this and removed any and all information of this collection from my report. It is now XX/XX/XXXX and I am being contacted by Diversified Consultants, Inc. about this debt yet again. I am currently still on XXXX and XXXX. This new agency has informed me that they received this debt and are attempting to collect this debt on behalf of XXXX. I have informed this new agency that this debt is now nearly 8 years old, still not properly being verified and to cease with the collection of this debt. I come to you with this issue because I have done research into XXXX. I have discovered that they were actually sued in court, found guilty of multiple violations of FCRA and most of these violations have to deal with attempting to collect on " old '' XXXX accounts. I have also discovered that they were barred from selling debts that they have received which it appears they have done. Again, I just wanted to bring this to the attention of the bureau and any assistance, feedback or acknowledgement would greatly be appreciated.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Byrider Franchising, LLC (NC)

Dear CFPB, I am writing to formally lodge a complaint against XXXX regarding the inaccurate reporting of an account named CNAC on my credit report. XXXX is reporting this account as a profit and loss write-off, which is incorrect. 

I have requested a 1099-C form from the company, yet the reporting remains inaccurate on both XXXX and XXXX. Under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), furnishers of information are required to report accurate information. The discrepancies on my credit report are preventing me from obtaining necessary resources to improve the quality of life for myself and my family. 

I also want to highlight that the inconsistencies in reporting may lead me to report this matter to the IRS for potential fraud. It is crucial that all information on my credit report is accurate and consistent, and in this case, it clearly is not. 

I kindly request that you investigate this matter and ensure that the incorrect information is removed from my credit report promptly. 

Thank you for your attention to this urgent issue.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (TN)

On XX/XX/XXXX, the bank allowed {$460.00} go through my bank account when there were not enough funds to cover it. This should have never been sent through without funds to support it. Therefore, I have incurred {$140.00} of overdraft fees because of their error. The same exact thing happened last year, and they did NIT allow it through. I asked why this time, and the rep said it was discretionary. Well, they used bad discretionary choices this time, costing me because of their bad decision. I asked to speak to a Supervisor and the rep said the supervisor couldnt or wouldnt speak to me, but worked behind the scenes then still denied me of reversing the charges. This is just plain wrong.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Advanced Resolution Services Inc. (TX)

I am writing to formally dispute the inaccurate XXXX information that is currently listed on my credit report. The XXXX XXXX number XXXX, dated XX/XX/year>, is incorrectly associated with my credit file. Upon further investigation, I have found that this XXXX XXXX pertains to an individual with a name similar to mine, but it does not reflect any financial proceedings related to me. 

In accordance with the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and complete information on consumer reports. Under Section 611 of the FCRA, I have the right to dispute any information that I believe is inaccurate, incomplete, or unverifiable. I am exercising this right to request that you immediately investigate this matter and remove the incorrect XXXX information from my credit report. 

Attached to this letter, you will find supporting documentation, including proof of my identity and any relevant details to assist in your investigation. I kindly request that you notify me in writing of the results of your investigation, as required by law, and provide me with an updated copy of my credit report once the inaccurate information has been corrected. 

I appreciate your prompt attention to this matter and expect the error to be corrected within the 30-day timeframe stipulated by the FCRA. If you require any additional information from me to complete your investigation, please do not hesitate to contact me.
Consumer complaint received 2017-03-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

We have a mortgage currently serviced by Wells Fargo. We made a large ( 25 % ) payment of principal of the loan amount. They did not adjust our payments. We called, and it turns out, the consumer has to call Wells Fargo, request a form, have that form mailed to them, complete and return the form, and only then will Wells Fargo adjust the payments. If I had not called, they would have charged me the original amount for the next 29 years. This is something a computer will do in two seconds, and they should do it automatically. By failing to do so, they are overcharging, and misleading their customers.
Consumer complaint received 2024-10-02
Product: Credit 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 (FL)

On XX/XX/XXXX we have contacted XXXX by XXXX who is an officiant to get me and my fiance married on XX/XX/XXXX and she was available and her fees were {$300.00}. We have proceeded with the down payment of {$150.00} that date XX/XX/XXXX and another payment of {$150.00} on XX/XX/XXXX. The venue we agreed on has some issues so we choose to go with a different venue ; However we could only find space available on XX/XX/XXXX ; so we informed XXXX XXXX about it 3 days later on XX/XX/XXXX that we had changed the venue and requested to get us married on XX/XX/XXXX instead of XXXX, unfortunately she was unavailable and refused to refunded us our money that we paid couple days earlier.
Consumer complaint received 2017-02-17
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN EQUITY MORTGAGE (FL)

The loan company is XXXX and the loan officer is XXXX. 
Recently, I had a contract on my home. Over a month later, this lender decided to give a denial letter. We, my realtors, and the buyers asked if everything was ok just a week prior, he said market wonderful. Some issues from an old school debt but that ok. They wanted to extend the contract. Agreeing and asking for more, earnest money deposit. Now this lender waited until 1 day before closing and denied their loan. This has made my house months on realtor called he was very nasty. Condescending, and downright cruel. My name is XXXX the property in question is located at XXXX, FL XXXX From : XXXX Sent : XX/XX/2017 To : XXXX Subject : Re : Loan denial I think Neale should be responsible for that or the loan company cause we were not told about the income they just denied us now we have t start over for the third time this is the second house we lost cause of XXXX
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (AL)

XXXX XXXX XXXX charges {$XXXX} each month you are late on payments. I paid below the minimum every month thats all I could afford and they still charge me late fees of {$XXXX} each time for XXXX months for total {$XXXX}. The card is now closed but I want to have the late fees removed. I believe that XXXX is violating federal law guidance on the charging of late fees as it pertains to the Credit Card Accountability Responsibility and Disclosure Act of 2009 ( CARD Act ). Please assist me in recovering these fees and holding them accountable for blatant and illegal practices :