davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I tried to make a payment on my student loan in the beginning ofXX/XX/XXXX. When I logged into my account with XXXX, a notice came up with " your loan has been transferred, please click here '' ( Please note that in the 15 years with XXXX, I never had an issue with them ). 

I clicked the link and it took me to Navient LLC. I had to register with them. I was given no other notice that they owned my loan. 

I consolidated my student loans in 2002, into one loan. Navient shows that I have two loans. Repeated requests to explain were met with, that 's just how we allocate loans. 

They do n't seem to understand the the definition of consolidate. I had two loans - then consolidated them into one loan. The purpose of this was to have one payment. Their own correspondence to me shows I now have two loans. How is this possible? 

They also can not produce the promissory note i signed when I consolidated my loans. How do I even know they own my loan and that I have to pay them. I believe they are running a scam to earn more interest.
Consumer complaint received 2016-04-29
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: ENCORE CAPITAL GROUP INC. (OH)

I have been sued by Midland Funding LLC and am currently making payments of XXXX for credit card debt. I feel that this is one of Midland 's robo-signed lawsuits and a default judgement was granted because I was under great duress at the time this was filed taking care of XXXX parents and did not understand the judicial process or have the means to fight it. Many many times I was contacted by the " Internal Legal Dept '' I have contacted Midland several times via email as to why I am not getting a monthly billing statement for this payment. I continue to pay XXXX each month but feel as though this falls under the CFPB XX/XX/2015 ruling against Midland. I was also initially told NOT to respond to the lawsuit once I had made payment arrangements after I was served - I was scared and stupid
Consumer complaint received 2017-02-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (MD)

My loan was held by XXXX. I requested a recasting of the mortgage in early XXXX and sent them a check for {$170000.00}. I was informed my loan was sold to LoanCare effective XX/XX/XXXX and they returned my check. I contacted LoanCare XXXX to request instructions for recasting and to whom I should send my check. After six days they did not respond. I contacted them again and was told they would email me instructions. Another week passed and I heard nothing. Finally they did respond and told me it would take 10 to 20 business days to get an answer. I had to involve my original loan company XXXX to intervene and find someone at LoanCare to assist me because I was frustrated. We have been waiting for almost two months to send LoanCare a check for {$170000.00} and I can not get anyone to respond to me. Additionally I am losing valuable interest on the money I would be saving. I finally received a letter stating I should send my money to them and they would recast my mortgage and have it effective XX/XX/XXXX. That is an unacceptable amount of time to wait to lower my monthly payments.
Consumer complaint received 2023-05-08
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX 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 2024-08-15
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: EQUIFAX, INC. (TX)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, which has resulted in unauthorized accounts and inquiries being reported under my name. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information resulting from identity theft removed from my credit report.

Please find below the details of the fraudulent accounts that require immediate removal : 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PNC Bank N.A. (CA)

In 2019, I was a victim of identity theft. The accounts are listed below and in the FTC report that I attached. XXXX. PNC Bank ( XX/XX/year> ) : {$54000.00}. This fraudulent account is on my XXXX Credit Report.
Consumer complaint received 2017-09-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Risecredit, LLC (OH)

I took out a loan with XXXX and notified them on XXXX that I wanted to pay the loan in full on XXXX. On that day they took out the amount of {$3700.00} which was the pay off of the loan but they also took from my bank account a regular bi-weekly payment of {$230.00} which was an overpayment. They 've admitted the mistake but wo n't refund the money back to me unless I provide them with my most recent 30 day bank statement. My last bank statment was dated XXXX so this would not show up on it. I sent them a transaction list from my account that clearly shows both payments and has the last XXXX digits of my bank account showing on it. They claim this is n't proof of the additional payment even though it clearly shows it is. They should be able to see on their end as well as when I pull up my account is also shows the additional payment. They know they took the payment. I should n't have to wait to get money back that they took that was n't owed to them.
Consumer complaint received 2023-05-10
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. (TN)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-08
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: EQUIFAX, INC. (TX)

i summitted a online disputed as per my request it would verify in 30 days. Why does Equifax verified in two days. 
I don't understand why this keep happening. i keep getting the same error. i enclosed the email i got this morning. Within 2 days of disputing a inquiries.
Consumer complaint received 2017-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP ()

I have been accessing my account normally for the past year except now for the past week ( XX/XX/2017 ), the key.com website does not open and consequently I can not log in to my account. The notice given is " Error has occurred, page can not be found or does not exist ". For the past week I have been in touch with Key Bank Customer Service with out result. I live in XXXX XXXX, XXXX, and checked in several other States all resulting in the same problem. The conclusion I have come to is that there is a problem with the key.com website that does not allow it to open in XXXX.
Consumer complaint received 2017-09-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (AZ)

I bought a car in XX/XX/XXXX. Unfortunately shortly thereafter on XX/XX/XXXX the vehicle was involved in a wreck and the car was totaled. My Insurance carrier XXXX swiftly paid the value of the car, roughly {$8000.00}. Shortly thereafter, they received the {$2000.00} warranty refund. This left a balance just under {$2000.00}, which is being covered by GAP insurance. And, even with all those insurance payments, I was reported late to the credit bureaus. I signed the car ownership over to XXXX at the end of XX/XX/XXXX, and since it was being paid off, I did not make a payment. I was current at the time of the accident. However, Flagship is reporting me 30 days late to the credit bureaus and additionally sending me past due bills, when they are getting paid out by these various insurances. They are piling late fees on top of this as well. I wrote Flagship a letter in XX/XX/XXXX, asking for clarification, and I received no response. I reported to XXXX and also the Better Business Bureau. I am not understanding why I am being reported late and late fees added on a totaled car being paid out by insurance. I already bought a new car after the accident, and have been making payments on it. I never imagined I would be pursued for payments on this totaled car. Please help me. Flagship credit acceptance will not communicate with me at all, nor help.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 an 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 2017-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP (CT)

On XX/XX/2017, I attempted to close my checking account at Key Bank and since the bank charges for a bank check, the teller suggested I take the amount in cash. I received {$3700.00} mostly in {$100.00} bills. I counted the money before leaving the teller and placed it in an envelope provided by the bank. I went from there directly to XXXX XXXX XXXX  to deposit in my savings account. When the teller counted my cash she immediately determined that one of the bills was counterfeit and confiscated it. They called Key Bank as a courtesy to check if they had any other bad bills. The next day I went to Key Bank to see what they would do and after profusely apologizing, they said the first thing they needed was proof that the bill was counterfeit. I stopped again a couple weeks later and was told that after checking with someone in a main office they were told that once I left the bank it was my responsibility, not theirs, and they were not going to do anything. 
The problem is, I know they gave me a bad bill, and the local branch knows they gave me a bad bill, but the official word is " We are not responsible ''. So I am out {$100.00}!
Consumer complaint received 2016-09-19
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: TFS FINANCIAL CORPORATION (CA)

My husband and I completed payments and had a Chapter XXXX discharged back in 2014. Two years after the discharge we refinanced and paid off our first with XXXX XXXX XXXX and our XXXX with Third Federal, neither were included in the Chapter XXXX and they were paid in full. However in the payoff statement Third Federal included " other fees {$640.00} ''. When I called to ask what the other fees were, I was told by Third Federal that these were lawyer fees, because they had to retain a lawyer when I filed Chapter XXXX, even though their loan balance was not included in the Ch XXXX. Can they do that?
Consumer complaint received 2016-04-30
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (AZ)

We received a letter from Honda that said they would waive up to 3 remaining lease payments if we lease a new Honda. In XXXX 2016, my daughter and I went to the Honda dealership and worked through finding an AWD CRV to lease, which took time. The dealership was able to get a AWD CRV XX/XX/2016 and we leased the new vehicle. So, we returned the leased vehicle ( Civic ) to the dealership with my letter ( attached ) on the same day we leased the new vehicle. Everything went well with the return except they did not honor the waiver of the last 3 payments, Honda only waived two payments. When I called they said it was because the XXXX 2016 payment was delinquent ; however, this is the time we were working with the dealership to get a new leased vehicle and the letter does not reflect this would be a concern and I would have never let it go 30 days as my payments are due on the XXXX of the month. I believe the letter is deceptive because it does not mention about delinquency despite the fact that I was working with the dealership to get a new leased vehicle and I have always been current on my account and been a loyal and long Honda customer. The Honda Finance representative said she could do nothing to help me. So I had no choice but to pay the last payment and dispute this deceptive and frustrating situation. I also confirmed at the dealership with Honda Finance that my account was not delinquent and received a confirmation letter from Honda Finance ( see attached ), so none of my payments on this account has ever been late.
Consumer complaint received 2023-05-08
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: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is submitted because of deceptive practice by Transunion credit reporting. First, I went to apply for a rental house and I pulled up my free credit reports on XX/XX/XXXX. First thing I notice on the Transunion report that I was delinquent by 30 days on my auto account loan ( installment loan ) with XXXX XXXX XXXX XXXX for the month of XX/XX/XXXX. I paid off my Auto loan on XX/XX/XXXX. I  promptly put in a dispute to Transunion, first I tried to do it online and upload the documents and then the computer told me I could n't upload documents. I was using XXXX browser which does n't support XXXX anymore ( same on XXXX XXXX ), so I went and pulled up XXXX XXXX and was able to load the document and got the a message saying that I had to submit this via mail because my dispute is not supported via online. I called Transunion on XX/XX/XXXX and they said that the information they receive is reported directly from my bank. Okay, so on XX/XX/XXXX, I promptly called XXXX XXXX XXXX XXXX and spoke to their loan servicing department which reviewed my account and stated that they DID NOT report to Transunion, they use XXXX and I have no late payments. So here is my dispute status " We have discovered that your request requires additional manual processing. As a result, online delivery of your dispute resolution is unavailable at this time.You will receive a mail soon with further instructions. '' I called to Transunion and told them what the credit union said and that if I want to add that information to the dispute it would be and extra 10 days to review. Huh? So what I want to know is how does this company get my information, they have now? They taken my FICO score down to XXXX and I ca n't do anything about it. It is like they are making things up so you have to check and pay for your FICO score and credit report a couple of times. If my Credit Union does n't relay this information about my accounts, how do they obtain this information? Do they make it up? Are they fishing for business? Now they have wreaked my credit score and I ca n't speak to anyone who conveys the English language without me trying to decipher what they really mean.
Consumer complaint received 2017-09-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

J.P. Morgan Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and their Trustee XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have made repeated mistakes on my mortgage loan which it refuses to correct or investigate, issued The Reinstatement for amounts that more than what I own, eventually denied my loan modification application and continued foreclosure my property. The servicer continues to charge me late fees every month. J.P. Morgan Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX and XXXX are not respond to the Requests for Information. I am being denied an opportunity to save my home and avoid foreclosure through the Loan Modification program. XXXX denied my loan modification is not based on my income or ability to pay with a balance that I do not agree with because it includes fees and charges I have tried to dispute and be faced with foreclosure against me and I may loss of my home. I 've been submited loan modification many times and XXXX continued to denied it, am not able to compute mathematically, and whose balance includes fees and charges I am not being allowed to dispute or have explained to me by XXXX and XXXX. J.P. Morgan Mortgage XXXX XXXX denied my loan modification is not based on my income or ability to pay and be faced with foreclosure judgment and I may loss of my home. Their Single point of Contact ( SPOC ) is not working or they have many 300 files so they ca n't not have time to talk to customer nicely or respectfully for all the detail the borrower ask for. Today XXXX XXXX my XXXX told my representative XXXX that do not call him anymore and I am not a customer for service because I am in default, he complaint that my loan have late history, he can not keep talk to XXXX because he have to work on his other file. 
I request another XXXX because XXXX XXXX is so busy with his more than 300 files. On XXXX XXXX, XXXX, we talk to XXXX XXXX, her extention is XXXX she told us that the Private investor is XXXX XXXX XXXX, XXXX from XXXX XXXX. XXXX but your respond XXXX XXXX, XXXX you indicate J.P. Morgan Mortgage XXXX XXXX XXXX the current owner of the Note. I need to know how many investor, owner of the note?? J.P. Morgan Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX can not continue give me the run around and continue lie to me. 
Take a look at all their fee and cost, the answer to all complaint just bla, bla, bla ... they do not answer direct questions, just throw all the number and want the borrower pay for their nonsense fee. Please breakdown for all your fee and cost, when you charge and why you charge, I need all invoices and bill and cancel checks you pay for these fee and cost. 
A lot of your nonsense fee need to void because you over charge and I do not have to pay for your attorney fee when I bring you to court or when I was in bankruptcy You violate the Senate BilXXXX No. 900 in many ways. You charge a lot of fee and cost when I applied for the loan modification.