davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-25
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Pacific Union Financial, LLC (MN)

We have been trying to get a mortgage loan closed since XXXX. We applied and were approoved bavk then. The problem is the mortgage company wo n't close the loan. They keep asking for the same info over and over again only to wait too long to close so we have to do it again. The mortgage brokers are XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX. The bank is Pacific Union Financial XXXX XXXX XXXX We have resubmitted all the required info several times. A month back I reported them to the XXXX and that seemed to help, but then this week they promissed to close yesterday ( tuesday ) but did n't so now we have to resubmit everything again and wait for another closing day. I 've lost a lot of revenue from my job because I 've had to miss work so many days waiting to close only to not get it done. As I said, this has been going on since XXXX and it is my understanding that it should only take XXXX4 weeks.
Consumer complaint received 2017-02-26
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc (CA)

I have repeatedly requested that Ad Astra Recovery Services Inc. provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is a problem in the way TransUnion is reporting my credit scores, which is causing me problems when trying to obtain credit. In comparing all XXXX of my credit reports, the credit history between all XXXX credit reporting agencies is consistent, but TransUnion is reporting my credit score very low. For example, both TransUnion and XXXX use the XXXX Score XXXX model, both agencies have pretty much identical credit history, yet XXXX has my credit score listed at XXXX and TransUnion has it listed as XXXX. This is causing me issues in obtaining a refinance of my house, higher interest rates etc. I fully understand that each credit reporting agency has it 's own method of generating credit scores, but there is something fundamentally wrong when the scores are this much off between the other XXXX agencies. I have attached a document showing the disparity between my TransUnion and XXXX credit scores.
Consumer complaint received 2016-06-06
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Funding has been reporting on my credit reports for over XXXX months and I have never received any initial communication in order for me to verify the debt is mine and accurate. This is the law. This is a major violation and would it taken care immediately.
Consumer complaint received 2017-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Transunion refuses to remove a Chapter XXXX BK after it has been settled and closed even tho it is more than 7 years since the file date. Even tho according to their website it is to be removed " A completed ( discharged ) or dismissed Chapter XXXX remains on file for up to seven years from the date filed. " I have even send Transunion a copy of the BK Final Decree.
Consumer complaint received 2016-12-16
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TN)

We applied for our loan back in XXXX 2016 with a loan officer and she left and no one called us to let us know she had left we called to to see what was wrong they said we got this to being XXXX the XXXX 2016 for signing and set appointments to no one called to let us know that they had not sent paperwork for closeting XXXX XXXX XXXX still no information I wish Cardnial financial had to deal with all they have put my family through and they are still not taken the Balme for anything Cardnial IF ANY ONE ASKED ME FOR INFORMATION ON YOUR COMPANY IM GOING TO TELL THEM NO NO LOOK SOMEWHERE ELSE
Consumer complaint received 2016-04-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MD)

In XXXX XXXX, I fractured my acetabulum. Since then, I 've had XXXX XXXX that the last XXXX in XXXX XXXX resulted in a total XXXX XXXX. Since my XXXX, I have tried to get help with XXXX XXXX/Navient to help alleviate the XXXX of my student loans since I have been unable to work consistently since XXXX XXXX. For the first year, XXXX XXXX/Navient has provided me with the only option to do a forbearance, but that is only beneficial for temporary circumstances. This has been an ongoing, XXXX problem. I 've applied for XXXX which has been denied and I have also filled out documents to try to get a lower repayment option which has also been denied. With these denials, I receive letters stating that I have been denied, but when trying to contact the individual who signed these letters, I never receive a call back or a return e-mail. It seems like once they sent out the denial letter to me, they cut all ties with me. I have received no help with my repaying my student loan by XXXX XXXX/Navient and I 'm still unable to pay back these loans as I 'm recovering from a XXXX. I 'd like to know what to do because I do n't want my credit to be affected, but this has been a problem and I feel that XXXX XXXX/Navient should be able to help me with my loans.
Consumer complaint received 2017-02-23
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (GA)

I ordered a credit report for {$1.00}. A week later I was reviewing my credit card statement and Experian had charged me {$1.00} and then another charge for {$21.00}. I called and they said that by ordering a credit report that I had agreed to a 7-day free trial of a service from XXXX, a company that I have never heard of. They gave me 7 days to cancel or be charged monthly in perpetuity. Of course, since I did n't have any idea about a free trial I missed the window and they refused to refund my money. This is a TOTAL SCAM. Whatever fine print they had on the website can not stand up in court. I never agreed to nor was I notified. I thought I was doing business with a credit bureau. They slid this in unknowingly and thought they were just going to help themselves to {$21.00} per month forever??? XXXX using the Experian name to disguise themselves as a friend to consumers, only to then hit them with the exact same kind of fraud that Experian seeks to protect against.
Consumer complaint received 2016-05-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (OH)

AES has had a consistent habit of withholding information, giving vague or elusive responses and going so far as hanging up during phone calls after receiving a very sharp attitude. I have given ample evidence of my financial hardship and many of the incentive programs were not related to me, or at best were vaguely given, with a very harsh/dissuasive post-note. I receive conflicting information from customer service representatives, the methods of communication are not consistent and there is no quality representative I can speak to concerning the attitudes of the customer service reps. Overall, their quality of work is abysmal and their attitudes are unprofessional, contradictory, unhelpful, discouraging and even antagonistic. I feel that many opportunities ( such as IN SCHOOL FORBEARANCE ) has been avoided due to untrained staff relaying inaccurate information and I still have no idea what are my rights and promises under their assistance. To be quite honest, I find the weight of these loans **UNLIVABLE** and there are so few alternatives to repayment methods presented to me and such unprofessional responses when trying to investigate said methods, that self harm presents itself as the only viable solution. Emotive responses aside, the core of my problem is an untrained staff that does not present available options for their repayment services.
Consumer complaint received 2017-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (SC)

When I graduated from college in XX/XX/XXXX, I was not able to find a good job and I had XXXX children at home. XXXX never offered any income driven nor lowered payment plan that might help me pay my student loans. They just kept putting me on deferment every 6 months until my deferment ran out. Then they offered me forbearance. In XX/XX/XXXX, my husband was laid off from his job. That lasted for 2 years. My payments should have been lowered but XXXX only offered me deferment, not a solution to help me repay my loans. I have almost exhausted all of my forbearance and I am still having trouble paying my student loans, 10 years later. Last year, I had applied for an Income Driven Repayment and the loan counselor asked me to submit my tax return and my pay stubs for me and my husband. The part of the office at Navient that calculates the repayment told me that my monthly payment would be about {$900.00} per month. I told them I could not afford that much and that it should be lower according to my tax return. Each time I called them, the loan counselor would extent my forbearance for 2 or 3 more months until they could figure out what they had done wrong. They would tell me that I should only be paying around {$500.00} but they were unsure what they had done wrong in calculating the amount. It took from XX/XX/XXXX until XX/XX/XXXX to figure out that they needed to only use my tax return and not by pay stubs and tax return to calculate my payment. They used 10 months of my forbearance time to fix their mistake. My payments were recalculated to around {$370.00} per month. Now I am facing XXXX which will put me on temporary XXXX and I 'm afraid to call them to see what happens next. This has been a nightmare dealing with them.
Consumer complaint received 2023-10-20
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: EdFinancial Services (KY)

I HAVE REACHED OUT THIS COMPANY FOR YEARS. I went and opened up adversary proceedings. I have the documentation for the provider and no will help resolve the issue. 
If you look at the credit report it shows the loan balances are higher than it was when it started and now the payments made can not be found. the loan was in forbearance for 30 days and then for 1 year. Sporadic data across the board. I need my credit report to be fix it and the creditor to explain the discrepancies.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
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: Experian Information Solutions Inc. (AL)

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 XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : Unknown Account Number : XXXX and list of Inquiries 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 2016-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (IL)

I completed the income-sensitive repayment plan application to reapply for a reduced payment plan. The form indicates to list the gross monthly income. It also requires that the XXXX most recent pay stubs are submitted. Since I am hourly, I do not work the same hours each week ; therefore, the amount that I list for my gross monthly income is an estimate. Since there are seasonal busy periods, the hours that I am working now are inflated compared to what I am actually scheduled to work. As a result, this makes it appear that I earn much more than what I do. Last year, I encountered the same issue and after numerous tear-filled phone calls, I was instructed to write a note that I was an hourly employee and include what my average scheduled hours were. This year, in an effort to avoid having my application rejected, I included the same explanation. Sure enough, a week later, my application was rejected. I called and spoke to a representative who accused me of understating my wages. I explained to her that I was hourly and did not have a set salary, and she instructed me that I would have to match my gross monthly income to the amount on the pay stubs regardless of the fact that the hours were not typical. I immediately requested a supervisor since I had encountered the same issue the previous year. I explained that I did not feel comfortable listing the inflated amount as my gross monthly wages since it overstated my actual earnings. The woman was very rude and condescending. She then began asking all these questions about my tax returns and other personal information as if she was attempting to refinance my loans. Not only was I unprepared for the questions, since I was commuting to work, but I could not understand her due to a very heavy accent. Since I work for a non-profit, refinancing a loan would be unwise because it would disqualify me from Public Service Federal Loan Forgiveness. When I asked why she needed the information she was requesting, she became agitated and told me she was attempting to qualify me for a different loan. I informed her that I was not comfortable or prepared for that and would call back. As she yelled something at me through the phone, I hung up. Because I feel like I have no other option, I am have submitted my forms with the inflated wages they demand. I find it absolutely insulting that I am trying to pay for my loans and I feel like they are attempting to rip me off by changing the terms. I also have a small window to get this resolved since they will increase my payments to XXXX % of my monthly wages if I do not give them the answers they want.
Consumer complaint received 2017-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (VA)

My husband and I were told by our CPA to go with Quicken Loans to refinance our home to get a lower interest rate. My husband is XXXX and working as a full time XXXX, I am an XXXX and in my XXXX. We both have near perfect credit scores. Starting back in XXXX, we agreed on a fixed interest rate with Quicken. Since XXXX up to the present date, Quicken required us to provide an ongoing stream of documentation to prove our credit worthiness ( despite our having a joint income of {$500000.00} annually ). Some of the documents they asked for went back as far as 30 years. The list never stopped, and sometimes they asked for duplicate documents. We provided all documents, but even after providing more and more documents, they would raise the bar, and ask for more documents. Then, this past week, they told my husband that we would have to negotiate another fixed interest rate, and more documents would be needed! I notified Quicken that we will no longer deal with them. I also feel enraged. It is my belief that this is how Quicken discriminates against individuals, who they decide that they do not want to loan money to. They keep a battery of employees that continually ask for more and more documents ( presumably hoping that either the individual ca n't produce the documents, or that they will find something to justify not extending a loan ). I might also add, that their advertisements mislead people into thinking that their loans will be relatively easy and without a lot of paperwork - quite the contrary. I believe that my husband and I were discriminated based upon our ages. I can not express the anger I feel towards Quicken. I had misgivings in the beginning, but we relied on our CPA. It is a junk company and I belief rife with insincerity about its loans.
Consumer complaint received 2017-02-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: WELLS FARGO & COMPANY (TX)

XX/XX/2017 XXXX XXXX XXXX TX XXXX Complaint Department Dear Sir or Madam : I am writing to dispute the following information on my file. The items I dispute also are encircled on the attached copy of the report. 

XXXX & Wells Fargo are inaccurate because I 've made every effort to dispute what is inaccurate on my credit report. I am requesting that the item ( s ) be deleted. 

Enclosed are copies of certified letters supporting my position. Please reinvestigate this ( these ) matter ( s ) and delete the disputed item ( s ) as soon as possible. 

Sincerely, XXXX Enclosures : Crdit Dispute Certified Letters & Screenshot of my Credit report from CK
Consumer complaint received 2015-08-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Onity Group Inc. (FL)

A few years back around 2010, my home was falling into foreclosure. While fighting this process with my lawyers, Ocwen assured me a {$40000.00} equity that was taken out on my home would be forgiven and they wrote it off as a " loss ''. Because of this I agreed to refinance with them to keep my home. When the deadline rolled around I felt immense pressure to sign the paper work to not lose my home. My loan was originally around {$230000.00} after everything was signed and finished my loan was now around {$270000.00}. They took what they said was a " loss '' and " forgiven '' and added it to my mortgage to have me pay back. I believe this to be unfair practice and possibly illegal, but my lawyers at the time were dragging their feet and not knowing of any other agency to help me, this fell on the back burner. Every month when I pay my mortgage it eats me up inside because I know its not right. I came across an article in the TIMES and know this is exactly what Ocwen is doing to everyone.
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

In XX/XX/2016 I contacted ChexSystems to inform them of the ongoing ID theft situation, of my name change, and of a new negative report by XXXX XXXX XXXX XXXX was reporting. ChexSystems informed me that I needed to file yet another NEW police report for ID theft although they were already in possession of a verified and valid one. Nevertheless, a police report was provided to them. I phoned and spoke to a manager who informed me that the dates listed on the police report were too broad and thus required modification to specifically list XXXX XXXX XXXX XXXX individually. The police report was modified at her request and forwarded to ChexSystems via a fax number that the manager had provided and also by US Postal Mail. In XX/XX/2016, ChexSystems informed me that they 'd honored my police report, conducted their own internal investigation and permanently blocked the XXXX XXXX account from reporting. However, I have recently decided to switch banks and have been made aware that ChexSystems is till reporting the XXXX XXXX. My current financial institution has further informed me that they have a subscription that has verified that ChexSystems never deleted the item, but it has been consistently reporting and that'swhy my banking services have been limited with them this entire time. I contacted ChexSystems and they now claim to have no record of any supplemental or modified police report being supplied to them. However, I have located the letter they sent me where they verified that they had indeed received it and deleted XXXX XXXX. I have been a victim of ID theft for several arduous years. ChexSystems is well versed on this issue. They are violating the FCRA by allowing verified fraud to be included on my report when they have vigorously verified its invalidity. At no time has ChexSystems ever notified me that they 'd either elected not to delete or had re-reported the fraudulent account. ChexSystems is required by law to permanently block and delete the XXXX listing immediately.
Consumer complaint received 2016-05-25
Product: Credit card — 
Issue: Billing statement — 
Company: DISCOVER BANK (OH)

Discover Card ( Has denied Receiving Credit Card Payments so they can raise zero Percent interest Rates ) and ( Never Mails billing statements on time so they can raise zero percent interest Rates ) Discover Card has frequently forgot to mail my Statements. The Statements never were mailed. As a result they Dropped my zero Percent interest Rate and Raised it several Times.. 
The Discover Card Company also denied they Received my billing Payments so they could raise 0 % interest rate. It is unusually that all other Credit Card Companies received my Payments but Discover Card has a higher Rate of Lost Mail ....