davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MORGAN STANLEY & CO. LLC (GA)

Submitted a payroll payment from XXXX XXXX bank via payroll processor XXXX on XXXX. Our contractor informed us that he didnt receive the payroll payment days later after the processing period had passed. Due to this, we had our contractor who was the intended recipient reach out to his banking institution which is E-trade to get the status. It appears that E-trade deposited the money into the wrong account which didnt belong to our contractor however another E-trade account. The contractor called E-trade and they told him that they can not reverse the funds and that they would have to reach out to the account owner to notify them of the error. After weeks, e-trade finally told the contractor that they can not move the funds and to call XXXX XXXX which is the banking institution that it was drafted from. 

I then contacted XXXX XXXX ( my XXXX bank ) and opened a claim with them to have the funds reversed from e-trade. XXXX XXXX said they claim would take up to 10 business days and after which time I was informed that they was not able to retrieve the funds.

E-trade has neglected to follow proper business practices which subsequently has resulted in the funds never being deposited into the correct account. I would like this investigated ASAP so that we can receive the {$1200.00} that was deposited into the wrong account at E-trade.
Consumer complaint received 2018-03-28
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. (MI)

Transunion will not help me remove inquiries over 7 years or hard inquiries that I didnt authorize and the dates arent even correct. All the companys on my credit report said that Transunion is responsible for removing hard inquiries off my report and they didnt. Ive called them many times and they keep telling me to call the original creditor but in fact the original creditor tells me that Transunion are the ones to remove hard inquiries and credit that is over 7 years. I have 17 inquiries that I didnt authorize. Please contact Transunion to delete all inquiries. Transunion isnt very helpful for people trying to clean up there credit that is fraudulent.
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NJ)

IHello Im writing to you because my student loans payments reported to my credit report as 60 days late. Which is not correct! I spoke with an employees XXXX ( XXXX ), and XXXX ( XXXX ) who told me to call in and make my payment on XX/XX/XXXX. As I was on a repayment plan that I did not know now changes every 6 months. When I set it up it was set up for 12 months. I spoke with XXXX ( XXXX ) Who advised that my payment would not be late. He also set up my 6 months payments to come out of my account automatically. XXXX also put me on hold to check with a supervisor to assure my payments would not be late. Please have this correct as it is messing up my credit and Im doing EVERYTHING I can do pay on my loans.
Consumer complaint received 2018-03-29
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: LD Holdings Group, LLC (NV)

Loan depot is consistently reporting 120 days late each month to XXXX XXXX and XXXX. I have not stopped paying them. The comapany has taken upon itself to stop with drawing the monthly payment from my account. I initially contacted them in XX/XX/XXXX and again on XX/XX/XXXX. I was told by their representive that they had changed over to a new electronic system and are having problems identifying my account. I am requesting that they amend all reports of late payments since XX/XX/XXXX. Not only is loan depot reporting fradulent information it has caused me from getting a home loan. 

I am requesting that CFPB help with this matter. As a home loan contingent upon resolving this problem. 

Thank you,
Consumer complaint received 2018-08-23
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NJ)

In XX/XX/2012 we received a letter from Chase offering a Mortgage Rate Reduction. Since we were only given 1 week to act on this offer and I was unable to handle the application, my daughter and my husband took care of the application for this adjustment to the interest rate. Because of our current financial situation I have been going back over previous records regarding the mortgaging of our home which is why I'm writing this complaint today. 
First - the letter you sent is very deceiving ; it gives the impression that you are only reducing the interest rate when in fact you are refinancing the loan. The reduction in the interest rate of .63 % would have made a minimal reduction in the monthly payment. The reduction of {$200.00} in the monthly payment was really the result of refinancing the loan and extending it back out to 30 years costing us an additional {$35000.00} in interest. If you were going to refinance the loan ( you could have just adjusted the rate on the original loan ) you should have left it at the remaining years but then the payment reduction wouldn't have been as attractive. 
Second - You refinanced this loan as a HARP loan that I don't think we were eligible for because our LTV ratio was way below the 80 % requirement. I think this is the reason our loan has been pooled with other underwater loans that have been sold at a great discount but makes my mortgage not eligible for most of the help programs because I have too much equity. 
Third - The income we received from social security wasn't enough to support the mortgage payment, taxes, and home insurance. The additional monies we were using from our XXXX and savings would have been better used to pay down the balance of the mortgage and than refinance the lower balance with a lower interest rate. Having said that you still should have verified how we were getting the additional monies to pay the loan and for how long that would have lasted. It would have brought to light the financial path we were on instead you chose to capitalize on us. All of these actions could be construed as predatory lending. Between what transpired in the refinancing of our loan in 2012 and how chase handled our loan 4 years later with a request for mortgage assistance has lead to me having to file for bankruptcy just to keep our home from being sold at a sheriff sale. I may have been a very responsible homeowner but you are not a very responsible bank. 
I know from the internet that other customers also received these letter but with their own customized offers and they too didn't feel your offer was in their best interest. I don't know the status of these loans now but it does make me wonder if they too are facing the same financial dilemma I'm facing now.
Consumer complaint received 2018-08-23
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. (PA)

For almost two years I have made payments on time to XXXX XXXX XXXX for a vehicle financed through their company. In XX/XX/2018 I was taking out a refinance loan on my home and decided to pay off the vehicle. The refinance company cut a check to XXXX in XX/XX/2018 but went over the payment deadline for XX/XX/XXXX and advised us not to make another payment because they already cut the check. I notified XXXX that we were going to stop the payment from coming out of our bank account because the check was already cut and on its way to them. XXXX received and cashed it only to report us negatively to the credit bureaus TWICE dropping our credit score 100 points. They cashed the check two weeks ago and we have not received the vehicle title and after they cashed the check they reported to the credit bureaus negatively even after they were aware in XX/XX/XXXX of the situation. When we called at the beginning of XX/XX/XXXX to resolve the issue they said it was policy to report it negatively to the credit bureaus per a policy that does not exist.
Consumer complaint received 2018-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION (IN)

My mortgage is with BB & T Bank, recently I have been investigating ways to pay down my mortgage faster and I came across Biweekly Mortgage Calculator on BB & T 's website. It's a nice, easy to use calculator that you plug in your interest rate, mortgage amount, mortgage term, and payment type and it calculates your accelerated bi-weekly payment for you and shows you how much quicker you can pay down your loan. Ours figured out to pay off a 30 year mortgage in 26.4 years ... quite a savings! 
I called BB & T 's customer service number to inquire how I get set up on this payment plan. I was told they do not offer that type of payment plan, but I could send in my payments bi-weekly but it would not be applied until the full amount was received. ( the money would sit in a " holding account '' until the full payment amount was collected ). I ended up calling back a few days later thinking the rep I was talking to didn't understand what I wanted to do or was not knowledgeable of this program. I got the SAME ANSWER! 
I then asked for the corporate BB & T office number where I could speak to someone that was knowledgeable of this product. After 3 days I received a phone call back from a corporate manager stating they do not offer this product, and they were " checking into why this is on their website ''. She stated they do have a few customers that make bi-weekly payments, but they no longer offer this service. 
I don't understand how they can have this active link on their website under their Financial Planning Center tab to mislead customers when all they say is " I'm sorry, I know you're upset about this '' Sounds like false advertising to me! 
https : //www.bbt.com/XXXX
Consumer complaint received 2018-08-22
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monterey Financial Services LLC (CA)

For 8 months now, XXXX XXXX from Monterey Financial in  XXXX Ca has contacted both my personal cell and office phone repeatedly. Everytime Me XXXX calls is the amount of debt has changed and the threats continue. I have asked that MrXXXX but call and all communication Can be sent in Writing through Us Mail or Email. On XX/XX/2018 .. Mr. XXXX contacted my office phone again. I informed him that I was not able to make a {$9000.00} payment today or in a lump sum..he asked Why. I told him that I am a single mother of XXXX ... in which he replied.. didnt you have kids when you acquired this debt. I asked for his name and his supervisors name.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I dont know about these accounts. Im a victim under law FCRA SECTION 605c. I demand fairness and accurate removal of these accounts Ive already provided substantial proof that requires deletion of these items.
Consumer complaint received 2018-08-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (VA)

I have a Ford Credit account, ref # XXXX. I had setup auto pay on this account using my XXXX XXXX XXXX account ending in XXXX which was closed by XXXX XXXX XXXX due to fraudulent transactions which resulted to overdraft and for the auto payment for my Ford Credit account not to go through. 

I had been traveling and had auto pay set up for my Ford Credit account. It never occurred to me that I could still have problems with the payment. Last XX/XX/XXXX, XXXX and XXXX 2018, there has been unauthorized cashing of checks amounting to {$25000.00} on my XXXX XXXX XXXX account ending in XXXX ( see attached FTC ID Theft report ). Since I was traveling, I was not aware of what has been happening and only noticed the problem when I came home last XXXX. 

XXXX XXXX XXXX was able to refund/credit the lost {$25000.00} back to me on a new account as shown on my XX/XX/XXXX to XXXX XXXX XXXX XXXX Statement attached to this complaint. This bank statement will also serve proof that I have the capability to pay my monthly obligations with Ford Credit and that I have sufficient funds on my bank account to be able to pay the minimum monthly due. I even doubled my payment last XX/XX/2018 to make sure that my account is up to date. 

I sent Ford Credit a letter last XX/XX/2018 stating the issue I had with XXXX XXXX XXXX wherein I've made an honest mistake about my new and previous XXXX  XXXX XXXX account # s. This led to Ford Credit refusing to help, even though it is not my intention to be late on my payment. Even though, that late is unintentional and is a result of having fraudulent transactions on my bank account. They responded to my letter I sent them last XX/XX/XXXX, turning my request down.Enclosed to this complaint ar copies of my FTC ID Theft Report, Letter sent to Ford Credit last XXXX, Ford Credit 's Response, copy of my bank statement From XX/XX/XXXX to XXXX.
Consumer complaint received 2018-06-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Utah System of Higher Education (NV)

I borrowed it for 120 months term.I started pay it from XX/XX/XXXX. I have not miss a payment not even once. Mine got sold to some company in XX/XX/XXXX and then again to other company.They changed the payment term from 10 year to15years without my permission or notice or even asking. Still collecting money every month and have significant balance is left.

I borrowed about {$20000.00} in XX/XX/XXXX. They said I still have about {$8000.00} left.

But I checked XXXX XXXX - it said my Balance is about a little bit more than {$3000.00}
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-02-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC (CA)

I took only {$5000.00} short term loan and started paying regularly. I was not very sure that I would end up paying over 110 % interest rate over the years and I have been paying {$570.00} a month for past 22 months and as per their system I still owe them {$4000.00} Here are the details as per their table : Loan started on XX/XX/XXXX First 16 months {$570.00} paid every month : Total = {$9100.00} Interest and financed charged paid = {$7000.00} Only adjusted towards principle amount = {$1800.00} They never highlight interest rate but using I =Prt formula it is 105.96 % which is over ten fold of average standard bank loan rate for unsecured loan 6-9 %. 

Then I got into the debt trap. On XX/XX/XXXX they called me and promised me to lower my interest rate to single digit since I have been marinating a steady monthly payments for 16 months. They refinanced the loan and gave me only {$1300.00}. They have been directly taking {$510.00} since XX/XX/XXXX. 

Here is the details of the refinanced amount : Loan refinanced {$1300.00} 5 months {$510.00} paid every month : Total = {$3100.00} Interest and financed charged paid = {$2100.00} Only adjusted towards principle amount = {$480.00} They never highlight interest rate but using I =Prt formula it is 381.3449 % year which is over thirty fold of average standard bank loan rate for unsecured loan 6-9 % Does XXXX. XXXX of America know how ordinary gullible citizens are duped into this debt trap? THIS IS OUTRAGEOUS. EVERY LAW MAKER SHOULD BE INFORMED ABOUT THIS. I AM GOING TO SEND THIS ENTIRE STATEMENT TO EVERY CONGRESSMAN, SENATORS AND ALSO TO THE PRESIDENT AND VICE PRESIDENT OF THE UNITED STATES OF AMERICA. 

Their sales person was a sweet talker and lied to me on loan terms and interest rate. He said that if I made regular payments for 3 months they would bring down the interest rate to single digit. I never missed a payment for 22 months and to my dismay I found that they increased the rate substantially and despite numerous requests they did not change the interest rate and payment terms. 

As of XX/XX/XXXX, I paid total for {$12000.00} and interest alone {$9100.00} for an initial loan of {$5000.00}, which is 100.0339 % but got into this debt trap by their false and misleading sales tactics. I am a XXXX year old XXXX  patience and self employed. For me buying metformine for my XXXX is important in order to live. With this outrageous monthly payments I will not have any money left for my medication. Their debt trap will lead me to slow death as my medication is extremely important to me. The burden of never ending debt sugar level has increased significantly. Please help I am going to take it as my personal crusade to send details of my debt trap to every senator, congressman and the President and the Vice president of my country, This is what the reality check of America and how its citizen live everyday life.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Consumer reporting agencies reporting late payments when in fact I was never late on account, Ive never received a letter XXXX  days prior from due date saying I owe such on such date, Account XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX XXXX Also Ive never authorized/ sent written consent for late payments to be reporting in my account which is an invasion on my privacy and defamation. How can consumer reporting agencies report something I never authorized and something that is inaccurate. This is defamation they are trying to ruin my reputation with other companies which can damage me emotionally and financially. If I decide to apply for something and companies see I have late payments this will be a major red flag for them to want to approve me for anything, I will be denied for something that is inaccurate and without my consent which is against the law.
Consumer complaint received 2023-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation, providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed : Previous / Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX # XXXX XXXX XXXX, IN XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling and current address. Once again, in order to make the process of deletion easier, here are the incorrect names : Incorrect Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There should only be one name on my credit report, which is XXXX, XXXX XXXX ( not in all capital letters, I am not a corporation, I'm a living human ). 

Please remove inaccurate employers as well as listed below : XXXX XXXX XXXX XXXX XXXX XXXX