davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-10
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2018-07-02
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: Bread Financial Holdings, Inc. (NJ)

I missed a payment for my XXXX/XXXX XXXX account, I called and spoke with a representative the day after the missed payment to make the payment. I explained to them that I had not been working and that I was unable to afford the late fee on the account but I would still make the min due. They transferred the call to a special department and offered to enroll me in a " hardship program '' stating that for the next year my account would be set up for automatic payments and that it would be in the amount of {$15.00} dollars. I agreed and since XX/XX/2018 the {$15.00} dollars have been debited from my checking account every XXXX of the month. I never knew this account was being reported late until recently, I reached out to commenity and they verified that I had been signed up for the program and that there was an error on their behalf made by the representative I had initially spoken to. I would like to get this late payment status removed seeing as though I have been making the monthly payments as agreed.
Consumer complaint received 2018-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AZ)

Our house closed/recorded escrow on XX/XX/2018 On XX/XX/2018 I called to check status on our Escrow refund from Freedom Mortgage. 
I was told the check was cut on XX/XX/XXXX. Freedom Mortgage said they will void check and send a new check. I was to receive it in 10 days. On XX/XX/XXXX I called again because I had not received the escrow refund check in the amount of {$1100.00}. I was told by XXXX ID # XXXX that the request on XX/XX/XXXX was not done correctly so the ticket was closed. XXXX said he would expedite a check and would email me a copy of the original check dated XX/XX/XXXX. 
On XXXX I was told by Supervisor ID # XXXX - XXXX that another check was cut on XX/XX/XXXX and that I should receive it by XX/XX/XXXX. I asked for his manager and was transferred to Manager ID # XXXX. She stated that all prior tickets were done incorrectly so there was never another check sent to me. She also stated that Freedom Mortgage does not provide copies of checks to customers, that I was incorrectly told that I would receive a copy. She said that I would receive the check by XXXX and that after I receive the check to call back to get check and batch numbers of previous check ( s ). I asked for a tracking number for the latest check being sent and Freedom Mortgage said they can't/do n't provide tracking numbers.
Consumer complaint received 2018-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (PA)

I lived at XXXX XXXX XXXX XXXX Apartment complex. During the move out procedure, my roommates and I paid them for the move-out package, which would be completed after move out, and which contained a professional carpet cleaning. 

After moving out, we were told the carpet had been replaced as it was dirty and we would need to pay the replacement cost. We were told this after the fact it all happened. We asked if the carpet had been professionally cleaned, as we had paid for that service, and they informed us it had not been cleaned. We asked why we had not been notified and they could not provide an answer. They still demanded we pay them that amount of the carpet. We refused as they had not completed the service they had agreed to, and for which we paid. 

After a month, the company that owns XXXX ( XXXX  ) sent the debt to collections. At that time, we requested that the debt collector ( XXXX XXXX   ) verify the debt - that XXXX had cleaned the carpet and shown the carpet displayed dirtiness beyond normal wear and tear for the duration of the lease which would require it to be replaced, and for us to owe money - per North Carolina regulations. 

XXXX XXXX did not fully respond to debt verification before contacting my and one of my roommates credit agencies. At this time, we have not yet received a complete debt verification answer from XXXX XXXX, now ~6 months after the initial request.
Consumer complaint received 2018-06-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I had been paying on my student loan by automatic deduction beginning in XX/XX/XXXX. In XX/XX/XXXX I learned about public service loan forgiveness. I then transferred my loan to the Dept. of Education to be eligible for loan forgiveness in the future. When I spoke with a counselor over the phone explaining that I was making this transfer to be eligible for student loan forgiveness she suggested that I choose a repayment plan. I asked her which one was appropriate and she advised me which plan to choose. The repayment amount was less than what I had been paying. I chose this plan based on her advice and began making payments by automatic deduction. In XX/XX/XXXX I called Mohela, the loan servicer, to ask a question about loan forgiveness. That counselor advised me that my repayment plan was ineligible. She suggested a repayment plan that WAS eligible and I chose it and again began making automatic payments. The payment amount was consistent with what I had been paying originally. 
In XX/XX/XXXX I called Mohela with a question about the status of the public service loan forgiveness program and was informed by them that my repayment plan was ineligible. They suggested that I transfer my loan to the Federal Loan Servicing Program. 
Today, XX/XX/XXXX, I received an email from the Federal Loan Servicing Program informing me that my repayment plan was ineligible for public service loan forgiveness. They informed me today that I must choose a plan that is hundreds of dollars per month more than what I am already paying. After ten years of these payments, I will be eligible for loan forgiveness. In ten years I will be seventy-five years old. 
Had I not been misinformed by Mohela on two occasions since XX/XX/XXXX I would have been making eligible payments and be able to apply for loan forgiveness in XX/XX/XXXX. 
I hope there is a way you can help me rectify this.
Consumer complaint received 2018-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I contacted the XXXX XXXX XXXX in an effort to verify that the information being reported on my credit report was accurate back in XX/XX/XXXX. I have sent several letters asking for proof ( with my signature ) that the amounts they are requesting be verified. They have sent letters back and included an e signature on a promissory note. They garnished my income tax last year and this year. This years garnishment was done in XX/XX/XXXX which totaled {$6900.00} I just pulled my credit reports on XX/XX/XXXX and they are still showing that the balance that I owe DOES NOT reflect that anything was paid towards the balance. In other words prior to XX/XX/XXXX my balance that they said I owed them was {$12000.00} and upon pulling my credit report on XX/XX/XXXX the balance still shows that I owe them {$12000.00} which is incorrect. As of today XX/XX/XXXX I logged into my debt summary for the XXXX XXXX XXXX and it shows that I only have a total of {$6200.00} in student loan debt. This inaccuracy on my credit report is causing a drastic problem with my scores and I need them to report accurately and remove this debt totally from my report!
Consumer complaint received 2018-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I contacted the XXXX XXXX XXXX in an effort to verify that the information being reported on my credit report was accurate back in XX/XX/XXXX. I have sent several letters asking for proof ( with my signature ) that the amounts they are requesting be verified. They have sent letters back and included an e signature on a promissory note. They garnished my income tax last year and this year. This years garnishment was done in XX/XX/XXXX which totaled {$6900.00} I just pulled my credit reports on XX/XX/XXXX and they are still showing that the balance that I owe DOES NOT reflect that anything was paid towards the balance. In other words prior to XX/XX/XXXX my balance that they said I owed them was {$12000.00} and upon pulling my credit report on XX/XX/2018 the balance still shows that I owe them {$12000.00} which is incorrect. As of today XX/XX/XXXX I logged into my debt summary for the XXXX XXXX XXXX  and it shows that I only have a total of {$6200.00} in student loan debt. This inaccuracy on my credit report is causing a drastic problem with my scores and I need them to report accurately and remove this debt totally from my report!
Consumer complaint received 2018-06-30
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. (IL)

XXXX XXXX pilot who travels a lot and has been loyal XXXX  XXXX XXXX Customer since early XX/XX/2000, back then they had best online bill pay. Signed up or responded to XXXX XXXX XXXX XXXX XXXX offer that had points like XXXX & since I travel a lot I realized I was not getting a bill / paper statement of which I always want not an online bill which disappears when computer has a bad day or lighting or you pick the reason. I called them & they say I choose paperless which I never do since my dad 's business got audited twice when I was a kid and he always said thank XXXX for the paper trail!! I have always had over 800 score until now I have a Adverse Acct. / XXXX XXXX XXXX XXXX XXXX / late of which they blame me when I always have a min. of XXXX to XXXX XXXX  in their Bank which will change soon & Direct Deposit from XXXX XXXX which will change soon. Why would I have Thousands in their bank & have a title of Premier Customer & get a XXXX XXXX  limit of which I did not need. Why would I not pay a couple XXXX dollar bill, DOH?? 
I will be switching to my more local banks whose online bill pay has improved & who I can look in the eye if I am unhappy or they can call me if something is late. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-30
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: Fidelity National Information Services, Inc. (FNIS) (WI)

I had originally had submitted a claim XXXX on XX/XX/2018 and disputing XXXX XXXX XXXX Missouri on my Chex System FIS report. I am unable to open a check or saving account due to this issue. I have now been able to obtain a statement from my lawyer as well as the indentity them case ( court document ). I have mailed it to Chex system and would like to open another complaint. Thanks.
Consumer complaint received 2018-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (DC)

I have had a credit card with Citibank since 1994 and my interest rate has only gone up and up. it used to be an employee account with a reduced rate. I currently carry close to $ XXXX in balances and the rate is prime plus 16.74 for a total of 21.74. I hold other cards at a credit union that charges 10 %, XXXX ( which is also through Citi ) that charges 16 % and XXXX that charges 14 %. However with my old account they will not budge. 
They could not give me any basis for how prime was 5 % yet the 10-year treasury rate and fed funds rate have been below 3 % for years. It is also XXXX points higher than the federal reserve reports for " consumer credit '' https : //www.federalreserve.gov/XXXX I asked to have my account reviewed for a reduction and they said they could not reduce. I asked when the last time the account was reviewed and the representative ( XXXX  - she would not provide an operator number or any additional identifier ) could not tell me. She said she has no history of the rate ever bring reduced only increases. I asked whether the account could be reviewed for a decrease and she said no program is currently available to do that. I asked how frequently it was reviewed and at first she said she did not know so I asked to speak with a supervisor. XXXX ( supervisor ) came on the line and said my account is reviewed in XX/XX/XXXX and XX/XX/XXXX and then said I should wait until XX/XX/XXXXto try again. My FICO has certainly increased and decreased in the last decade and at no time has my rate ever been adjusted downward and I believe I have paid an excess rate of about 7 % during that time period on balances between $ 15K- $ 20K I would like your help getting this overcharge corrected.
Consumer complaint received 2018-06-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (OH)

On Monday XX/XX/XXXX, my account went negative by {$68.00}. That same day upon discovery, I deposited {$70.00} to cover the short fall. In checking my balance, I had a positive balance in the account. I was charged a {$36.00} overdraft fee when a POS debit purchase of {$30.00} from XXXX XXXX came in ( that was not reflected in my earlier balance ) but they posted it to my account before the {$100.00} ACH from XXXX which I covered with my deposit. Even though a direct deposit came in at XXXX  ( or XXXX XXXX  on the XX/XX/XXXX ) that covered any and all outstanding amounts, not only was I charged a first fee of {$36.00}, they charged another when other items came through on XX/XX/XXXX that would have been covered if they would not have immediately charged the NSF fee. They also charged another fee earlier in the month on XX/XX/XXXX of {$36.00} when an ACH charge of XXXX took my account negative by {$23.00} but was immediately rectified by a direct deposit of {$52.00} credited at XXXX XXXX on XX/XX/XXXX.  PNC uses their banking system of credits and debits manipulatively in such a way as to create and maximize unnecessary fees. And they charge immediately with little notification so that we can not correct the balance in time of other charges coming in. This is purposefully manipulative.
Consumer complaint received 2018-07-02
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. (CA)

There is a XXXX credit account on all three of my credit reports that show charge off and late payments. I never had chase account and was never made aware that I am an authorized user. 
The account number on the credit report is XXXX
Consumer complaint received 2018-06-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

For the past year now I have been trying to complete a short sale With Chase Bank NA The reason I applied for a short sale was due to the fact for the last three years I have been trying to save my home by applying for a loan modification and was denied about 4 times. I can not understand why because the Monthly housing income is at least {$6800.00} per month. Anyway Chase offered me the opportunity to do a short sale. They said it would be better for me because they would with draw the foreclosure action and file a satisfaction of mortgage in the county clerk 's office. Also it would be better for my credit as to have a settled account instead of a foreclosure. 
So I hired a broker to help sell my home. this was in late XX/XX/XXXX. In XX/XX/XXXX I received an offer. I went into contract. With the help of my broker I submitted full package and waited two months with Chase to get an answer. In late XX/XX/XXXX my initial buyer walked away Claiming its taking to long for Chase to make a decision. In XX/XX/XXXX I went into contract with a second buyer. On XX/XX/XXXX My broker got an email from XXXX XXXX in the short sale department at Chase. That email stated that the investor completed and approved the net proceeds to be no less than {$87000.00} on the property and to move forward with the closing paperwork making the proper adjustments on the HUD. 
Then the long process of stonewalling by Chase started. They made my broker change the HUD at Least 5 times. They asked my broker to put the incorrect address of my property on the HUD and changed the contract address at least 3 times on both the HUD and the contract. They reorder another appraisal on the property. They changed the investor during the process. Chase dragged this approval out for moths while the 2nd buyer was ready willing and able to close. In XX/XX/XXXX Chase sent and email to my Broker stating that the short sale was Declined. Now I am losing my home on XX/XX/XXXX. And the relocation money and all the benefits of doing the Short Sale Chase Promised me are gone. I believe Chase has acted in bad faith and has used my home as a cash register for their benefit. I believe from day one Chase had no intention of helping me and they used this long process for their benefit. I believe they have committed fraud to the Investor of the Mortgage and or the tax payer in doing so..
Consumer complaint received 2018-06-30
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. (NC)

On XX/XX/XXXX, I received notification that I had a new collection on my TransUnion report. The account was from the Department of Veterans Affairs, from an educational benefits payment from XX/XX/XXXX. The original account was paid in full but TransUnion was still reporting it as a " charge-off/closed '' account & added it a collection, even after I paid it off.
Consumer complaint received 2018-05-08
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. (AL)

I have reached out to the bureau by phone, online and by mail I have notified them that this Bankruptcy showing on my file isnt mines. I have contacted the courts as well and have been notified that the bureau hasnt contacted them to verify any information. However the bureau is insisting that they have investigated such matter and will not provide me with who they are investigating with or verifying through. 
I also have been told by the bureau that they are not directly investigating themselves which how can they report inaccurate information that they are not even verifying I would like the bureau to investigate directly and provide me with the party who they are directly verifying to.
Consumer complaint received 2018-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

The lender Santander bank every XX/XX/XXXX of each month automatically withdraw mortgage payment and escrow amount from my bank account to pay property tax. However I got a demand of payment letter from the town in XXXX asking for fiscal year 2018 property tax payment with a demand fee of {$5.00} and interest charge through XX/XX/XXXX of {$12.00}. The demand fee and interest charge ( due to late payment of property tax ) were caused by the lenders negligence, not because of my failure of payment. I contacted the lender with a call and followed up with an email on XX/XX/XXXX to resolve the issue and asked the lender to pay the demand fee and interest charge ( for late payment of property tax ). The lender did not respond or contact me at all as of today XX/XX/XXXX. I also got another letter from the town for another interest charge of {$33.00} ( due to the late payment of property tax ). I requested The lender be responsible to pay property tax on time and also be responsible for any additional cost such as interest for late payment of property tax in total of {$46.00} and the demabd fee of {$5.00}. I request full refund of XXXX
Consumer complaint received 2018-05-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (GA)

TO WHOM IT MAY CONCERN I AM WRITING IN REGARDS TO THE UNAUTHORIZED AND INACCURATE CREDIT OR DEBIT CARD DEBT THAT IS REPORTING ON MY XXXX  CREDIT REPORT AND I WOULD LIKE FOR THE INACCURATE AND UNAUTHORIZED ACCOUNT TO BE REMOVED FROM MY CREDIT PROFILE
Consumer complaint received 2018-06-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (WA)

I contacted Navient after I was unexpectedly laid off to discuss the options for my private loan. I had called my other lenders and they told me that they can defer payments until I am employed again. Talked to Navient and they informed me that I have no deferment left and there was nothing they could do. They even tried to take me through a budge of expenses and then confirmed that I am negative each month with the expenses I have. I have tried to get the lender to work with me in my temp situation and they decided to tell me that I was stuck paying the loans. So each month when I have any money left i pay them way below minimum as that is all I can do. I am now getting harassing collection calls, emails, and voicemails. So i call them back to talk to them and they tell me the same things that I am stuck. I really wish they did not help me use the deferment/forbearance during the years of me calling in for help to lower my payment, instead they told me to use the forbearance and defer payments instead of helping fit the payment into the budget that I had.