davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX Experian stated that these accounts were properly investigated but how can that be? How can you verify My information that was fraudulently use against me? it wasn't me. These accounts and info are fraudulent and are being used against me. I have disputed these items multiple times I even stated that all my documents and information was stolen in XXXX and again in XXXX. 
M

y driver 's license, social security card, debit cards and various more important documents were stolen. I've never owned a car so I don't even see how I would owe for 2 cars. My identity was stolen, and my rights were violated under 15 U>S>C 1681 Section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given Experian written or any type of permission to furnish these accounts on my credit report as well.
Consumer complaint received 2016-05-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FINEX Group LLC (CA)

i gave a vehicle away signed a bill of sale and turned in a release of liability to the XXXX XXXX plus years after i have a report on my trw that i have a XXXX dollar debt for the vehicle after it was impounded.i contacted the reporting persons and was told that because the other party had not followed through i was responsible even though the calif XXXX couldnt find a record of me owning the vehicle.i tried working with this company providing all the info i could for them even though the dmv wasnt able to find my name attached to this vehicle and refused to investagate anything
Consumer complaint received 2016-05-06
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (WA)

Citi Bank division Card Services issued me a Citi Prestige Credit Card. Benefits of the Citi Prestige were to reimburse expenses to purchase up to {$100.00} a XXXX XXXX XXXX. 

Went to Global Entry Web site ( XXXX ) and purchased the XXXX. 
XXXX charges were made : 1. US Customs - {$50.00} on XXXX XXXX, 2016 2. US Customs - {$50.00} on XXXX XXXX, 2016. 
Both charges were done through XXXX web site and permission of Ciit Customer Service. 

Citi Cards Services has FAILED to reimburse me per the Citi Credit Card Prestige promotion and not I lost {$100.00} in unplanned and unreasonable expenses. 

Citi Card refuses to respond to my complaints after 7 phone calls and 5 emails on this topic.
Consumer complaint received 2015-11-28
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE (CA)

Our lender is requesting an updated barclays statement with account number and balance ( not an uncommon request ). I called on XXXX and was told that their systems are down and it would take up to XXXX hours to complete. XXXX hours later the request was not completed. I called again on XXXX and they said they would email it by XXXX. They did n't. I called at XXXX on the very same day and they said it would happen by XXXX. It did n't. I called again at XXXX and they told me that the person I spoke to on Tuesday did n't create a case number. This is unacceptable as our financial future hangs in the balance. How is is that every other major credit card company was able to comply with a very common request within minutes, but barclay 's was unable to. This does n't seem fair or right that I will incur financial loss from their incompetency. Also, how is it possible that a financial institution has no backup plan for when systems are down. They keep saying their fax is down. In 2015, really?
Consumer complaint received 2016-05-16
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Stearns Ventures, LLC (FL)

XXXX XXXX applied for a refinance of her mortgage on the property located at XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX will be XXXX years old on XXXX XXXX, XXXX and has a credit score of XXXX and received an approval notice of her loan from Stearns Lending LLC Loan # : XXXX with an expiration date of XXXX XXXX, XXXX. Although XXXX XXXX fulfilled ALL conditions of the loan approval, Stearns Lending LLC reversed their approval because XXXX told them that the loan did not confirm to their standards. We obtained prior approval from Sterns to exclude the HOA fees from the loan qualifications and that was not a condition of the loan approval. XXXX XXXX ( XXXX daughter ) provided proof that she paid all condo fees for the unit from the date of purchase in XXXX XXXX to present and provided bank statements and canceled checks proving this issue as well as an affidavit from the Condo association. Sterns has committed a violation of their approval and has engaged in age discrimination by refusing to honor their approval of the loan to a valid applicant because she is XXXX years old.
Consumer complaint received 2016-12-26
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Navient Solutions, LLC. (GA)

I 've contacted Navient and have spoken with XXXX XXXX XXXX with their Office of the Customer Advocate on numerous occasions about the inaccurate reportings on their behalf to all XXXX bureaus and he refuse to comply with FCRA guidelines in regards to the deletion or correction of such inaccurate reportings. XXXX XXXX, who is representing Navient has communicated through written correspondence facts that support that they are reporting inaccurate information, as well as, reporting conflicting information to each bureau as well. They have exceeded the duration of time given through the FCRA and I am requesting your assistance in holding them in compliance of such federal regulations. Also please note that a formal dispute was sent to them by certified mail and neither Credit Bureaus conducted a proper investigation if so the information would have been removed.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

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 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 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

URGENT I was notified that someone is trying to collect unemployment benefits in my name. I am unable to put a credit freeze on my Equifax account or see my credit report. I notified XXXX and XXXX and put a credit freeze on those accounts. Equifax makes me answer four security questions in order to freeze or access my account, and none of the questions that are asked pertain to my account. I have an Equifax login and password, but these don't work anymore. I'm unable to reach anyone at Equifax who can help me. The only live humans who answer the phone are call center representatives, and they can not help unless I provide them with the entirety of my personally identifiable information, including my SSN. Im not comfortable providing this information over the phone, and the three representatives I spoke with weren't helpful or responsive at all. I asked for a supervisor and was told Im not able to talk to one. I have been trying for two days to put a freeze on my account. Equifax has now locked me entirely out of even attempting to access my account. Equifax only gives me the option of mailing sensitive personal information, including my Social Security number, and states that they will mail the report after receiving the information. There is no information about when I can expect a reply. Mail theft is rampant here due to COVID, and I do not feel comfortable mailing this information to Equifax. I can not find any other person or solution there to help. I consider this to be an urgent situation. I was able to easily place security freezes on my XXXX and XXXX accounts. This is egregious behavior on the part of Equifax and contributes to perpetuating fraud. 

Tried multiple times to access via website and XXXX Called XXXX Called 3x between XXXX AXXXX and XXXX XXXX on XX/XX/2021 Called at XXXX XXXX on XX/XX/2021 Called XXXX Called XXXX XXXX on XX/XX/2021 Called at XXXX XXXX on XX/XX/2021 2021
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2016-08-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AZ)

We have sent XXXX qualified written requests to our mortgage holder/servicer and have not received the requested documents to date. 
Verbal confirmation not written was given that they did receive the requests. 
Original request was XXXX XXXX, XXXX Notice of second request was sent XXXX XXXX, XXXX On XXXX XXXX, XXXX we received a packet with loan documents for a XXXX XXXX out of XXXX, XXXX. 
Rather than receiving any written confirmation of receipt we were notified to fill out forms for loan Modification Each time we asked our rep or customer service person for the status of the written request we would be told it was in the file and they would have to transfer us. We were hung up on so many times and during that time the loan was transferred from Greentree to Ditech. 
We sent and confirmed another request on XXXX XXXX, XXXX. 
Since Ditech has taken over the loan our customer service person has changed 5 times in less than three months. We were also told that our loan modification consideration was stopped in XX/XX/XXXX when they determined there was a unfulfilled qualified written request on file. 
We now have received a Notice of foreclosure and have still await qualified written request documents. 
On XXXX/XXXX/XXXX we again sent a qualified written request ( this would be XXXX in total ). We are trying to work with the XXXX Save our Home Program and need documents to provide for consideration.
Consumer complaint received 2015-03-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (MO)

I had XXXX private student loans with Sallie Mae while I was in school. I refinanced these loans in XX/XX/XXXX with XXXX, XXXX XXXX sent Sallie Mae payments on XX/XX/XXXX and sent me a receipt for payment. Sallie Mae had n't processed the payment on XX/XX/XXXX and wanted me to pay them for a loan that was already paid off. I called and they told me I would have to pay a {$50.00} fee to be put in forbearance so they could research the issue, the issue was their fault from their company splitting in fall XX/XX/XXXX and they should have it resolved in a week or XXXX. I paid the fee and waited and then I received a bill in XXXX telling me I still had a payment due. I called and they had no record of my dispute from XXXX, and told me the only way they would research their mistake is if I electronically sent them proof of payment from XXXX or if I conferenced called them with a XXXX representative. Also, XXXX had overpaid in XXXX so Sallie Mae was actually holding over {$350.00} of my money.
Consumer complaint received 2015-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

The mortgage company, Green Tree Servicing, added " Hazard '' ( insurance ) to my escrow payments. I already have homeowner 's insurance through a reputable company XXXX XXXX XXXX XXXX and was contacted by them when Green Tree decided to start " making my insurance payments ''. I DID NOT authorize any changes to my account and will continue paying my premiums directly to XXXX XXXX. I do not want Green Tree 's " insurance ''. I also told my XXXX XXXX agent that I did not authorize any changes to my insurance policy or method of payment.
Consumer complaint received 2015-10-02
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Golden Title Loans LLC (TN)

XXXX XXXX FROM XXXX XXXX CONTACTED MY PLACE OF EMPLOYMENT SAYING HIM AND A FRIEND FROM THE FUGATIVE SQUAD WOULD COME AND ARREST ME AND IF I DIDNT GO WILLINGLY THEN THE WOULD TAKE ME DOWN WITH EXCESSIVE FORCE .XXXX THEN PROCEEDED TO INSULT ME SAYING I DONT HAVE INTERIGRITY AND MY MOTHER SHOULD NOT HAVE A SON LIKE ME AND HE WAS GOING TO KEEP CALLING MY JOB UNTL HE GOT ME FIRED BECAUSE A PERSON LIKE ME DOESNT DESERVE A JOB
Consumer complaint received 2015-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RGS Financial, Inc. (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Consumer complaint received 2015-10-15
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC (LA)

My wife and I did a deed in lieu of foreclosure back XX/XX/XXXX. The account was closed XX/XX/XXXX and our credit reports reflects that as well. But as we have recently applied for a mortgage, we 've noticed that the old mortgage company XXXX Nationstar Mortgage XXXX is now reporting on our credit file that the account has late payments in XX/XX/XXXX ... even though the account was closed XX/XX/XXXX. I have all the documents supporting the successful close of the deed in lieu with a XXXX balance. Myself, my current mortgage rep, and the credit bureau attempted several times to call Nationstar Mtg to resolve this issue but we were unsuccessful in our attempts, as they blew us off each time. What can I do? This is holding us up terribly from buying another home ... after we 've rebuilt our credit. We 've put down earnest money as well as had a home inspection done. HELP!
Consumer complaint received 2016-12-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (NC)

PNC Bank checking overdraft account. A problem arose in XXXX when XXXX XXXX continued to draft a monthly payment from my checking after I had cancelled service with them and temporarily stopped using this checking account at PNC while out of the country. When I returned I discovered the error, XXXX reimbursed me, and I asked PNC to waive the overdraft charges. They refused. Within three months they closed the account and charged off the balance. In XXXX I contacted PNC and asked if I could pay the balance, in exchange for their cooperation with my credit reporting, and they agreed to report the status as " paid in full '' if I paid them {$1000.00}. I paid them that amount on XXXX XXXX, XXXX. They continue to this day to report the status as " Collection/Charge Off ''. I continued after my payment to call them and correspond with them to ask them to comply with what they had agreed to do. In the course of that communication, I discovered that the actual amount they " charged off '' was {$410.00}, which would be the amount they reported as a loss ( charge off ) for their taxes. This is listed on my account, in their computers, and I was given this amount over the phone by two PNC employees. This would be due to the fact that they sold the debt to numerous collection agencies, which would be income. When I began discussions to pay the " charge off '' amount, PNC repeatedly told me the amount was {$1000.00}. I had received offers from several of the collection agencies to settle the debt in amounts in the $ XXXX {$500.00} range. I did not trust that offer, and so I contacted PNC directly. For XXXX, PNC will be reporting my {$1000.00} payment as income. When the {$660.00} in income from the sales to collectors is added in, PNC has made a handsome profit on this account. The current status of the account is " Paid in Full '' - but PNC refuses to report this status, as they agreed to do, and they have dealt in bad faith with this account from the beginning when they refused to waive the overdraft charges, they lied to me point blank when they told me that they would report the account as " paid in full '', they lied to me repeatedly about what the " charge off '' amount was, and they continue to operate in a vindictive bad faith manner, with the groundless claim that they are " obligated '' to continue to report the account as " collections / charge off '' I demand that PNC report the status of this account as " paid in full '' - as that is the current status, and it is what they agreed to do before I made full payment. 
An interesting final note, when I asked for paid in full reporting status " if '' I paid in full, I asked for their agreement in writing. They refused. They said 'trust us '' - It is illegal to lie to customers in a collection process
Consumer complaint received 2016-10-31
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (TX)

A gentleman by the name of XXXX XXXX with XXXX XXXX XXXX contacted my mother ( XXXX years old ) and told her he could consolidate her credit card debt, which was a little over {$3000.00} ( $ XXXX on XXXX card and about {$300.00} on another ). After consolidating her debt he processed a charge electronically to her discover card for attorney 's fees in the amount of {$11000.00}. Discover card would not refund her the money because they told her she agreed to it. She was not aware of the amount he would be charging her or she would have never agreed to it. They did, however, waive a {$300.00} fee that was applied.
Consumer complaint received 2016-04-28
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: KEYCORP (OH)

For weeks now I have been having trouble getting a satisfactory answer from Keybank. I have talked to many representatives both overseas and here. The web of phone lines I have had to go through to get a person to help me is amazing and not in a good way. Here is a brief synopsis of what I have been going through. 

On XXXX XXXX we bought a car for XXXX I wanted to charge it so we would get our points but the seller did n't take credit cards I remembered convenience checks from years ago and I remembered them being free. They were just sent to me without asking. 

On XXXX XXXX I called Keybank with questions and got an overseas representative, XXXX I asked her if there were any fees and if I could get my reward points She was very quick to get my information and send me the checks but I kept asking the questions. She answered in an accent that was hard to understand so I asked many times. 
She kept going and asking her supervisor I was not following her very well but thought I was asking the right questions ... over and over again I do remember saying So this is like using my card ... and So do I still get my reward points ... 
she would quickly answer me in broken English ... 

Then I get the checks in the mail ... I look it over and do NOT see anything that says Convenient check fee so we use the check Then I look up my online account and see {$150.00} charge for Convenient check fee and I received no points ... 

Looking over the Letter again I see on the back last line that no reward points will be given. 

Since I have talked to many representatives all saying they can not waive the fee because the representative I talked to, no matter how bad her english was or how fast she talked, DID tell me it was a XXXX % fee or XXXX. They all agreed the original phone call I made to get answers about the convenience checks ( and got an XXXX representative who spoke fast and broken english, and clearly reading things out of a book or checking with her supervisor ) did sound like I was confused and not understanding but the fact that the representative did tell me XXXX % fee covered their butts legally so they will not waive the fee. 

This fee was worded on the letter but as a " Balance Transfer Fee '' and not a Convenience Check Fee. How was I to know that? 

We have been good customers of Keybank for over 30 years and yes this was a mistake on my part for not hearing her say the checks have a 4 % fee which in my case is {$150.00}. But in my defense IF I would have had an english speaking representative help me this whole thing would have never happened. 

The original representative was XXXX and my case # is # XXXX I can not seem to get to speak with a person that COULD make the decision, in my city, who represents KeyBank. 
I have talked to XXXX XXXX XXXX XXXX and a few other overseas operator/representatives whose names I did n't write down Thank you, XXXX XXXX
Consumer complaint received 2016-08-11
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

1 ) Debt collector placed negative information on consumer 's credit reports without notifying consumer. 2 ) Debt collector has not validated such debts under Section 803 of the FDCPA. 3 ) Debt collector is re-aging accounts in an attempt to keep them on consumer 's credit reports longer, and 4 ) Debt collector is calculating and reporting amounts different from those of the original creditor ( s ). Please see corresponding complaint # XXXX.