davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

To Whom It May Concern : I have request XXXX and Experian by phone / fax and letters to up date my personal information. 

The Creditor XXXX never sent Validation of Debt ( {$130.00}, {$440.00}, {$3100.00} I request this information since XX/XX/2018 With no response XXXX deleted all all information which shows me that Experian and XXXX   failed me as a Customer. XXXX and Experian has a balance on my Credit from XXXX XXXX that show a Balance of {$880.00} witch is paid in full. Therefore I was denied Credit.
Consumer complaint received 2018-05-28
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. (NV)

On XX/XX/18 XXXX received a credit report dispute, disputing items including two bankruptcies.I have documentation from the furnisher/bankruptcy court stating the court records and dockets are available via XXXX. I contacted XXXX  via email  asking how do they verify and they stated, " XXXX does not directly verify federal case information to third parties by phone, fax, or email. XXXX also stated that XXXX does the verification for public records. I called and they stated no one has called to verify not one public record on my consumer report and I also have paperwork for XXXX stating that they could not verify the two bankruptcy records that are reporting as negative on my credit report. XXXX has not done their job to accurately verify items on my credit report. Also, the FCRA section 611 states the furnisher of the information must verify. XXXX and TransUnion have also stated that they have previously " verified '' both bankruptcies reporting adverse on my credit report.
Consumer complaint received 2018-05-29
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. (CO)

I have disputed the account listed by XXXX XXXX XXXX as balance of {$360.00} showing on a charged off account. The balance and status are showing updates as of XX/XX/XXXX as correctly reporting with no change per previous dispute. There is no way that this account could have been validated or investigated correctly based on this information disputed multiple times. 
There can be NO balance on a charged off account. I want this corrected or removed from my credit report. 
I have been denied credit due to this account reporting incorrectly on my report.
Consumer complaint received 2018-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

XX/XX/2018 To : Federal Reserve Bank, XXXX consumer finance This is a complaint Against HSBC Bank. USA, N.A XXXX XXXX XXXX   XXXX, XXXX  XXXX.

In the last few weeks I experienced difrential and unfair treatments by HSBC bank caused me great stress and aggravations.

I tried to reach the bank for a number of days to close the recent card sent me without any success. ( card No : XXXX ).

I applied for a credit card about 6 weeks ago. I received the approval and the credit card thereafter. I activated the card successfully. Days after a found that a block was done on my credit card. When I called a representative requested identifications of my address and my driver license which I did send them to the website they provided they emailed to me. Days later a representative told me that they did receive them and under review.

For about three weeks I tried to find out if I can use the card without success.

Every time I called, the agent, I was transferd me to other agent. In each transfer, I waited 20 to 40 minutes without response.

On XX/XX/XXXX, I called the following listed HSBC numbers : XXXX ( XXXX ) XXXX at XXXX, XXXX  ( XXXX ) XXXX XXXX at XXXX, XXXX ( XXXX ) XXXX at XXXX and XXXX ( XXXX ) XXXX atXXXX. And again was not able to connect to any agent. Finally, the agent of the number XXXX ( XXXX ) XXXX informed me that my card is activated and ready to be used. Later, I tried to charge {$100.00} to XXXX, the charge was declined.

This caused me real anguish and distress. Therefore, I decided to call to cancel the card using all available HSBC numbers without any success.

Every time the agent tells me that he will transfer me to the team who handle my Account. And every time I wait and wait and did not get a response.

Therefore, I decided to cancel my card and get confirmation that my credit card is canceled and the account is closed. That to be sure that my account will not be hacked. Until today XX/XX/2018 I was not able to.

These practices by this bank represented unfair treatment and disregard of the consumer rights. Again, this would create risk of hacking my credit and hurt my credit.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (MO)

Without my knowledge, my wife opened a XXXX credit card in my name on XX/XX/XXXX. I found out because I am pursuing a divorce, so I checked my credit score to get an idea of my financial health. I called XXXX XXXXs fraud department - they will not do anything to help me. They said I am responsible for this card, even though I didn't open it, nor did I know it existed and never saw one statement. My wife admitted to hiding the statements from me. After XXXX would do nothing, I asked my divorce lawyer what to do. My lawyer said since my wife admitted to defrauding me and hiding it for three years, I should request the statements ( which I have ) and pay the minimum monthly balance on the card, which I have been. The balance since I've started paying is now at {$2000.00} as of XX/XX/XXXX. I tried to seek a fair solution for both XXXX  and myself, but they left me no choice but to pay this card that I never knew existed. It is in my name and I didn't even open it. I think XXXX is responsible along with my wife, because I was not even their customer and I was still a victim of fraud they will do nothing about.
Consumer complaint received 2018-06-27
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (TX)

Apparently, the mortgage company Caliber Home Loans is confused as to what I am requesting. 

I requested a Qualified  written request for accounting pursuant to the Real Estate Settlement Procedure Act, to XXXX, XXXX, XXXX had failed to provide a copy of pay history log and the servicing log required under Real Estate Settlement Act. 

When XXXX XXXX XXXX transfer my home loan to Caliber home loan, XXXX should had transfer the request for a Qualified Written Request/ Real Estate Settlement Procedures Act ( RESPA ). 

The information Caliber home loan responded to, it doesnt address the real issue that started this. 

It is almost as if XXXX and Caliber home loan is saying, though you are an XXXX XXXX   XXXX, therefore, we or not obligation to provide that information to you. 

A failure to provide information regarding a loans is a violation of the Fair Housing Act. 



Please call me at XXXX if you have any question.
Consumer complaint received 2018-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (SC)

I am constantly receiving communication from Ability Recovery regarding an account through XXXX that should not be reporting to my account. Ability reports that I owe from them returning funds however there is no contract from the beginning stating that I have a contract through this company. I applied for financial aid and this was covered. As reported in a previous report I was given more than what I needed. I never signed a agreement with this school so in no way should this agency continue to report to credit bureaus. I have attempt on many occasions for this agency to provide validation regarding this However this has not occurred yet. I recently completed another complaint and Ablility failed to provided the information request by running numbers. In the complaint it was even mention about emails and that they would be attached but this did not occur. This agency has fail to validate and this is against the FCRA. Ability Recovery is currently reporting as a UNSECURED LOAN to the credit bureaus. Again no contract, signature has been provided to confirm this information. AGAIN this is a violation of the FCRA. I have proof from my student loan agency confirming that the funds were not return on behalf of XXXX so referring this account to a collection agency as Ability is a violation. My previous complaint with the agency is XXXX. Again as mention in the previous compliant based on the statute of limitation in SC this company is legally not able to continue to contact me after three year. The limitation has been reach even though none of the reporting debt has ben verified or validated as mines. I am currently working with an attorney working to get this case in court based on the many violation this agency has committed. This will be my last and final attempt to give this agency a chance to removed and delete from all credit bureaus before finalizing legal actions. The proof I currently have confirming the funds that Ability Recovery states in complaint XXXX were return were NOT return and are included in my legal action. I will not stop until this matter is handled. This is the last of many attempts for this agency to validate the debt or delete all accounts from all credit bureaus. At this time I will attach proof of this account being falsely reported as a unsecured loan to the credit bureaus.
Consumer complaint received 2018-05-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Social Finance, Inc. (IL)

I had a private student loan with SoFi that i switched over to them a couple years ago once I took it away from XXXX XXXX due to a better interest rate. I was paying on it on time for awhile and then I got a new job in a completely different industry. At that time, I had to take a significant pay cut until I would build my book of business. ( sales ). I ended up putting the payments on deferment multiple times because i just couldn't afford it. I ended up getting a promotion and have been trying everything possible to get this rectified. SoFi ended up sending me to collections and they don't understand what I am trying to do. I have explained multiple times I am trying to either have SoFi take the loan back so I can start making payments again or allow me to consolidate with another lender in order to go back to paying monthly. The problem with finding another lender to take over the loan is every one of them instantly deny it due to this loan being in collection status. I have reached out to SoFi and they dont know what to do either so I am lost. I have made a few {$500.00} payments with the collection agency as well who won't stop hounding me daily and they just keep telling me to pay the full amount off which isn't possible without consolidation from someone else. Please help, I am able to pay again.
Consumer complaint received 2018-05-28
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. (SC)

I've been trying to get XXXX to validate this debt is mines since XX/XX/XXXX and they haven't made an attempt to validate this debt. So I've compared the information on my credit report about XXXX and this account was sold to XXXX but is still reporting on my credit report. This company iOS reporting different information to different credit bureaus and it's affecting my credit. It's bad enough I've never had and installment loan with them but now this information their reporting is affecting my credit. On Tranusjon it's shoes last payment as XX/XX/XXXX but XXXX it's showing last payment for XX/XX/XXXX. It's was reported on XXXX XX/XX/XXXX and updated on XXXX XX/XX/XXXX. On transunion it's showing this account was closed XX/XX/XXXX.
Consumer complaint received 2018-05-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

I have an account with XXXX XXXX for a XXXX phone. The web portal for this website is deceptive in that after you set up automatic recurring payments to pay the minimum balance due, the company takes a payment of the entire balance. I was supposed to pay the minimum amount of {$33.00} in XX/XX/XXXX, but the recurring payments took the full balance of {$630.00}. I noticed this incorrect amount in XXXX and called in for a refund check and adjustment. They processed the adjustment on my account and added back the credit of {$600.00} to my balance on XX/XX/XXXX but never sent the check. Synchrony said they sent the check but it was never received. Over the course of the next two months I had to call in over 20 times to speak with multiple representatives to get the check sent. Every single time I spoke with a representative, they said the check was on its way and it had been shipped. I finally got ahold of a manager in late XXXX who said that nothing had been sent and that they would reprocess the check to be sent. Finally, around XX/XX/XXXX, I received the refund check and thought everything was fine. Only to login a month later and see that they added another credit of {$600.00} to my balance. So now, XX/XX/XXXX, my balance is 2 times of what it should be and I have to go through the process of working with their customer service to fix this issue when it shouldnt be an issue to begin with. 
It seem like most of their customer service representatives are poorly trained and are not empowered by the company to provide a positive customer experience. However, I wonder if this is all done on purpose and everything is hard to complete in hopes that their customers will give up and therefore Synchrony will come up on their customers losses. I am a college graduate who speaks XXXX as my native tongue and it was this difficult for me to get this done I can only imagine how difficult this process is for someone who does not speak XXXX as their first language, a segment which, I imagine, makes up a large percentage of Synchronys customer base.
Consumer complaint received 2018-05-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been disputing 2 accounts since XX/XX/2018. I reached out to the collection agency and have yet to have received a response. These are not my debts. One amount is for {$3600.00} that started out as {$3600.00} and the other alleged debt started out as {$3200.00} and increased according to Transunion as {$32000.00}. How do you have a {$29000.00} increase within 60  days? I did make a phone call to XXXX XXXX when I first noticed it but never could get anybody on the phone, which is why I asked for help from the credit bureaus initially. I have asked for evidential validation of these accounts ; however I do see that Transunion went and closed these accounts after I requested to either validate them or remove them. I also sent a dispute letter via fax to XXXX. I also requested information since they were adding interest on this account because all third-party debt collection agencies are required by Texas Finance Code, Section 392.303 to provide evidence that they have the authority to collect interest or a charge, fee, or expense incidental to the debt obligation. Also, it is to my knowledge to cease collection as a dispute is being investigated. Substantial amounts of interest were added on as I disputed these accounts. Clearly these are outstanding violations and definitely not protecting my consumer rights. This is absolutely unacceptable. I am hoping that you can help me. I have attached the letters and receipts I sent over. I crossed out my name for my protection. If you need any additional info please feel free to let me know.
Consumer complaint received 2018-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GreenSky, LLC (PA)

In XX/XX/XXXX I contracted with XXXX XXXX XXXX to install solar panels on my home. They provided financing through XXXX XXXX. I ended up cancelling the contract and offered to pay any out of pocket costs incurred in the week from signing the contract to the date of cancellation. This merchant initially charged me {$6500.00} in expenses due ( see attached list ). These charges included two reports ( a set of permit drawings and an engineering report ), see attached. According to the list of costs, those two documents should have totaled {$800.00} ; however, I still have no proof these were actually paid for by the merchant. 

He later submitted to Greensky {$11000.00} in expenses. The merchant and Greensky failed to provide proof of these expenses when asked. I have spent over a year disputing these charges with XXXX XXXX. On XX/XX/XXXX they informed me via email they removed {$7900.00} which left a balance of {$3100.00}. They attached documents to this email I was unable to open. I emailed back stating the documents needed to be resent as I could not open them and never got a response even after multiple email requests. 

In XXXX, I received an invoice for the above charges and contacted them right away to sort things out. My first concern was that I never received the documentation supporting the charges and the second was the invoice showed late charges. 

Greensky has been extremely uncooperative. They have not provided any documentation to support the charges. The merchant is out of business and has also not provided me with proof of payment. When I asked Greensky to provide proof of the charges, they stated they don't require proof from the merchant. 

Having no other recourse, I've since filed law suits against both the merchant and Greensky for fraudulent and unsubstantiated charges. 

In XXXX, while refinancing my home I discovered that Greensky reported me late 30 days, 2 times for the two statements I never received. I contacted Greensky again and was told they mailed them to the same address as the one I received and therefore there was nothing they could do. 

Due to their reporting me late for invoices I never received and assumed I was still disputing, it has had a serious negative consequence on my credit score which ultimately may lead to losing my new loan on my home.
Consumer complaint received 2018-06-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

I started a loan application with Quicken Loans. I was pre-approved for up to $ XXXX. I submitted a few offers before coming to terms with a seller on a particular home. Quicken Loans sent me a breakdown of my estimated monthly payments, which was supposed to be $ XXXX/month. I  proceeded with the loan process and had everything completed in regards to my application up to that point. I went on to get an inspection and appraisal of the home. The inspection came back with aluminum wiring ( which needed to be replaced with copper ) in the home, which made it very hard to come within the homeowners insurance guidelines I had contingent upon in my offer. They then decided to switch my FHA over to a conventional, called me and lied to me saying that I would be getting " better financing ''. They knew that since problems arose with the inspection, they weren't able to use the FHA. Then, my monthly payments jumped up to $ XXXX/month and that doesn't even include the high homeowners quotes that I had received in regards to this home. I made the offer contingent on inspection, and insurance costs. I pulled my offer at that time. Quicken Loans then sent me a " denial letter '' based on the reasoning that I had an incomplete credit application, which couldn't be farther than the truth. I lost my earnest money, {$2000.00} because of the lies and unethical behavior from each and every person I spoke to in trying to resolve this issue. They went as far as ordering the appraisal, but when I pulled my offer they close me out due to incomplete application? That doesn't make a bit of sense. The very next day, my purchase banker opened up a whole new loan with a new approval letter. But yet, 24 hours prior, denied me due to incomplete application? Its not right what this company has done to me, I am a first time home buyer and I am completely traumatized.
Consumer complaint received 2018-05-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bristol Point Financial, Inc. (CA)

I signed an agreement with this company to pay of my debt of approximately {$4500.00} and when the debt was paid in full, the company promised to file a dismissal of the unlawful detainer case and to clear my credit regarding same. I ran into some financial problems and couldnt make the payment in full. Since then I had been making good faith monthly payments and now the company sends me a bill which added on interest of approx {$200.00} extra a month. I told them that I never agreed nor did they ever put language in our agreement regarding interest. They broke the agreement and are telling me that by law they have the right to charge me interest.
Consumer complaint received 2018-05-28
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. (TX)

XXXX XXXX in XXXX, TX XXXX ran hard inquiries on me for a auto loan and i di not give them consent. i told them to stop after the first check. ALL hard inquiries were done when i was not even in the car dealership. They tried to get loans for XXXX $ from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX that went on my TRANSUNION Report. THey also ran credit for XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, that all went on my XXXX Report. A total of NINE hard inquiries that were without my consent
Consumer complaint received 2024-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

I have noticed that some of my Federal loans were discharge on XX/XX/2024. I have called Mohela and that they have confirmed that it was successfully diacharge via Barrowers Defense. I have asked if I can get a refund of all payments made to XXXX XXXXXXXX XXXX XXXX XXXX since they were approved and discharged. They have told me that I am only getting {$1000.00} refund. I have been paying this loans for years. I have also made 34 Qualifying payments under PSLF and I am only getting this amount. I haveinformed them also about transactions under my account history and that {$1000.00} does not equal to payments being made through out my history payments and adjustments. I even informed them and sent them the information atrached regarding the account history.