davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP (MI)

I have a VA home mortgage with US Bank that began XXXX. Sometime in XXXX my wife filed a bankruptcy that included only things that she owned alone. Our home in which we live was never a part of the loan, and US Bank was assured that when they reached out to us after my wife filed. I am the Borrower, and my wife was the co-borrower. I did not know that US Bank would stop reporting on my credit report or my wife 's. I was never told this, and upon them finding out about the bankruptcy, US Bank reached out to us and we adamantly told them that our home was not part of the bankruptcy, but it was never implied, or told to us that they would no longer report our payments on our credit report. I was not a part of the bankruptcy and had no idea I would have this happen to me. My name is not on the bankruptcy file and I do not have a bankruptcy on my credit report. All of this came to light because I tried to refinance to obtain equity from my home, and found that I do not have a history of owning a home. In XX/XX/XXXX I did a refinance to adjust the interest rate from 5 % to 4.5 %. On my credit report, it established that I had the home for a year ( showing the refi ). But nothing after that. I filed a Dispute with XXXX and they came back removing the loan from my report altogether. I disputed through XXXX again and heard nothing, so I called. That is when it was explained that US Bank told them to remove the entire loan from my credit report altogether. I contacted US Bank, and they explained it was their policy that if anyone on the loan filed bankruptcy they will no longer report to the credit bureaus. I explained I was not part of the bankruptcy and that we never stopped paying for our home, and never ever late. I was told it did not matter that was their policy and that they will not report on any payments we have made in the past or any payments we make in the future. So I own a home and pay for it timely, but I my credit report will not ever show this. They said their policy states they will no longer report any payments. I was told because my wife used the address in which we live, that it was included in the bankruptcy, but when questioned about that, ( because my home was " not '' part of the bankruptcy ) the representative stated " I never said it was part of the bankruptcy, but our policy states we will no longer report when one of the borrowers files for bankruptcy ''. I feel it is unfair that the 9 years and counting of good credit history can not be reported on my credit report.
Consumer complaint received 2018-07-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (IL)

In XX/XX/XXXX, I tried to continue making {$100.00} payment to XXXX since I still had 2 months left on my loan extension repayment. XXXX  told me they will not give me the last 2 months. 
Then in XX/XX/XXXX, I kept receiving many calls in a day from them. I had arrangement with them to pay {$280.00} every month for 3 month. They said I had to be on a plan to that they do NOT report it to my credit report for late payment as they begin reporting at 60day past due. 
Thus, I made a plan and I send them {$280.00} on the 6th of each month. 1st payment - XX/XX/XXXX ( paid ), 2nd payment - XX/XX/XXXX ( paid ). Now I'm due for the 3rd payment on XX/XX/XXXX for {$280.00}. 

I checked my reports reports today ( XXXX, XXXX, XXXX  ) and saw that XXXX  is illegally reporting that my account are delinquent and I am not paying- Report Date is listed as XX/XX/XXXX. 
How is this late when I have continued making payments before and afterwards? 

I called them multiple times today to get them to remove the negative and illegal report. They refused to take accountability for it and not interested in correcting the error ... I spoke to a " XXXX '' called XXXX with employer ID XXXX. She told me that her XXXX named XXXX XXXX will call me in 3 days to tell me the same thing. 

If the negative remarks are not completely deleted I will file a litigation against XXXX
Consumer complaint received 2018-07-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint Bank of America charges Charged me {$5.00} a month since XX/XX/2016. 

1. I don't receive any notice about {$5.00} maintenance fee but charged me 2 years. I thought this account has closed until I saw I have negative balance this morning. 

2. The original banker said she can give me 3 months refund. But I told her I want to request all refund since I really don't know. Her manager XXXX XXXX said not refund to me. He knew I am angry and just gave me one month refund. From our conversation, I have totally got discriminated seriously from him and NOT EQUAL OPPORTUNITY to all customers.. 

3. They said they gave me service, but I even can't see the statement online. 


XXXX
Consumer complaint received 2018-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just now received a hard inquiry on my credit report by XXXX that says its XXXX XXXX XXXX/XXXX. From XX/XX/XXXX. It's XX/XX/XXXX and I have never seen this before today Saturday, XX/XX/XXXX. I called the company and they said they have been getting calls like this recently. An error in XXXX XXXX system. He said it's a XXXX XXXX issue and to call them. XXXX XXXX says to call them. Getting the run around. That's really all there is. A false credit inquiry.
Consumer complaint received 2024-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (SD)

I received a letter from MOHELA on XX/XX/year>, stating that my interest rate was incorrect, and MOHELA increased it to the correct rate, due to a benefit that I was not eligible for ; however, MOHELA was unable to determine what caused the rate to change nor what benefit I was no longer eligible for.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2018-07-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: CL Holdings LLC (GA)

I took out a student loan with XXXX XXXX during my tenure in school from XX/XX/XXXX-XX/XX/XXXX, total amount close to around 15K. After graduation I was struggling to make ends meet with no job and a new baby. I called XXXX XXXX several times and sent in paperwork indicating I was not working. I was placed on deferment, respectively. I began working in XX/XX/XXXXand called XXXX XXXX and was advised that I needed to stay in deferment vs income driven repayment plan since my income was so low. I was provided unclear information and was told I would be contacted via mail. From year to year I would call and update my information and finances and would continue to be told I made under a certain threshold and to stay in forbearance. Around XX/XX/XXXX ( my birthday ), I called and my loan was no longer with them and I was directed to XXXX. Same as XXXX XXXX I would call and ask to be set up on a plan and I would receive the same information. It was at the time that I wanted to begin a payment plan as I was working directly in XXXX XXXX and was informed that I could pay on student loans under public service loan forgiveness and be forgiven after a certain time period. I would be given the run around and was even told at one point that my loans had been paid in full. I would always ask for documentation and nothing has been sent to date, even today. 
Recently, my grandmother gave me a call and I was informed that the Sheriffs office came to her home looking for me. I did some research and found that XXXX XXXX XXXX, whom I knew nothing about is sueing me and XXXX XXXX is the contact for for unpaid student loans and this is the first that I have heard of me being delinquent at all. I have no knowledge of either company until 5 business day ago. My student was not handled properly and I do not understand why I was never contacted. 
I was planning to go back to school and now this is all shocking and disheartening. Even today when I call XXXX they say my student loans are paid in full. How could that be? Now I am afraid of what will happen to me and my family as this lawyer is saying that I owe {$20000.00} and I must pay now and there is nothing that I can do about it. Why didnt XXXX perform their due diligence to give me a call and place under a repayment plan. I do not feel that XXXX XXXX nor XXXX performed their due diligence to ensure that I was treated fairly as I wanted to be on income driven repayment and then public service repayment plan and they continuously recommended forbearance based off my low income. 
Please be advised that I have a new address however providing my old address as the law firm is making threats and I believe this can be handled without them having my new address. My email address and telephone number are up to date.
Consumer complaint received 2018-07-01
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (CA)

Hello I'm the payee for my daughter who receives SSI to Direct Express every month on the debt card. On XX/XX/XXXX at XXXX an amount of {$810.00} was places on my card as soon as the money hit XXXX was transferred from my account to XXXX XXXX in NV and my card was canceled with no explanation. I live in CA and have no transportation to even travel that far let alone cancel my card that isnt expired till XXXX. Direct express says I made the authorization, lost my card or gave it to someone but a new card will be sent with the remaining balance of {$8.00}. I still have my card never lost it or gave my information over the phone or to anyone. I please need help the funds are to help pay rent and provide for my household. When I try calling the phone hangs up and no resolution. I did file fraud but I feel I need more gelp in my corner its completely obvious this was a fraud situation from doing research online XXXX XXXX does this to the CX and nothing gets done. Please please for the CX can you stop the employees from doing this to other SS recipients
Consumer complaint received 2024-10-09
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. (MN)

XXXX XXXX wrongfully put a debt on my credit report that is not mine and due to identity theft. This account number is not mine. Ive filed ID theft report with FTC and will pursue legal action for slandering my Reports. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Account : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2018-07-10
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: Experian Information Solutions Inc. (TX)

I filed a complaint against all three credit bureaus in regards to fraudulent accounts on my credit report. XXXX and XXXX complied with the FCRA and removed fraudulent accounts and never reappeared on my credit report.. Experian has failed to comply in deleting the same fraudulent accounts XXXX  and XXXX deleted or provide me with sufficient evidence or reason to keeping fraudulent accounts on my credit report. Experian has been reporting derogatory and inaccurate information relating to my credit report. XXXX ( {$22000.00} ) / XXXX XXXX ( {$1200.00} ) both fraudulent accounts Experian has failed to remove from my credit report.I filed a police report sent it to Experian twice and they haven't complied with the FCRA.I have suffered actual damages in the form of credit denial and loss of credit opportunity, credit defamation and emotional distress, including anxiety, frustration, embarrassment and humiliation.Experian has showed reckless and gross negligence for federal law.
Consumer complaint received 2018-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

I had a mortgage with XXXX XXXX XXXX. I attempted several times to obtain a modification unsuccessfully. I attempted to short-sale unsuccessfully. The name of the game was DELAY, DELAY, DELAY. My home at XXXX XXXX XXXX XXXX, XXXX  XXXX was eventually foreclosed on. I am including the documents. CFPB received a response from XXXX XXXXXXXX XXXX now XXXXXXXX XXXX on XX/XX/2018 on a complaint I filed to be included in the settlement that XXXXXXXX XXXX, XXXX XXXX and now Ocwen Loan Servicing are all attached and in the loop. This is the same problem some seven years later now of one finance institution transferring the loan to another finance institution to another serving institution in order to avoid working with the home owner.It can get so confusing that they hope the consumer ( home owner ) gives up. They are then off the hook. NOT HERE! I am now filing my complaint against Ocwen Loan Servicing, LLC. I would appreciate CFPB contacting Ocwen and  getting their response or better yet Ocwen resolving the issue by sending me my portion of the settlement. Anything less then once I receive a different response, then I can turn all this over to my attorney who awaits Ocwen 's response. Then we can let the attorneys work out a settlement. I have not been contacted by Ocwen by letter or phone over the last five and a half years since moving to XXXX XXXX and since my home was foreclosed on.
Consumer complaint received 2018-07-02
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: JOHN GIBSON AUTO SALES, INC. (AR)

There was a hard inquiry on my credit by XXXX XXXX XXXX XXXX out of XXXX XXXX Arkansas. I did not give them permission nor did I sign any documents giving them consent to rum my credit on Thursday XX/XX/2018. This is unlawful and I want this reported from my report ASAP. There is no justification in this I have not applied nor co-signed for a loan on XX/XX/2018. XXXX XXXX is fraudulently using my social security number and other personal information without my approval.
Consumer complaint received 2018-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NV)

When I first contacted Equifax, I answered over 12 security questions, including name, social, previous address, current address, student loans, etc. I told them over 25 minutes the answers to the questions they asked and they still denied allowing me access to discuss my credit report. They have accounts that are being reported that are almost 20 years old, employers that do not exist, etc. I learned of all of this from applying at an apartment community recently as they gave me a copy of the report they received. It took me weeks to determine that the report they gave me was based on Equifax because it was through another company. I finally asked for a manager who asked me almost no security questions other than name, address, phone, etc ... and they immediately spoke to me about my account and agreed to mail me a full report. Today, after getting my report, I called one of their multiple numbers provided on my report. The number I called wanted me to verify three security questions. One was the confirmation # on the front of the report which I did exactly and verified. The next question was asking me my ss # which I did and verified. The other question was asking me the numerical digits only of my address, which I did and verified. After SEVEN times of verifying this information perfectly and identically as per the credit report I just received, they still denied my access to my account and said it did not match. I then found another phone number on the credit report and called in. I received the same run around I have time and time again. After giving my confirmation number that is on my credit report, I was told that the number does not exist. After providing my ss # I was told I did not exist again. When I asked for a manager he was mysteriously able to immediately pull up my account with the confirmation number and my ss #. I believe I am being scammed. The people taking calls are not of the USA and seem to relentlessly deny my access to my account on a regular basis. When I tried to log in on line to dispute items on my report, I was at first accepted to submit a dispute but then the page would not load. Upon refreshing, I was again denied access to my report even though I answered the security questions exactly. When I asked a manager why this continues to be a consistent issue on my account and my husband 's as well, I was told that " the system is still updating '' whatever that means.
Consumer complaint received 2018-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I opened a Capital One 360 checking account a month ago. I requested a statement multiple times to set up a direct deposit and Capital One refused to issue me one which prevented me from being able to properly fund my account. I sold my old cell phone on the app " XXXX XXXX '' and was given a check as payment. I deposited the check into an ATM machine. I did not attempt to withdrawal the funds from the check nor did I withdrawal any funds. I received an email from Capital One today asking me to call about recent activity on my account. I called Capital One and I was told that the check I deposited was not a good check and that they were closing my account. They have frozen my online access so now I can not even log in to see what my balance is.
Consumer complaint received 2018-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vital Solutions, Inc. (TX)

Robo phone message. Called back phone number supplied and no one answered. Have been receiving these calls 4 times a day. When I answer the phone no one is on the line. They continue to tie up my phone line for several minutes with no one answering. 
I do not know who Vital Recovery is and have no outstanding debts to anyone. 
Their number supplied to me was XXXX. This has been going on for several months now.
Consumer complaint received 2018-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (CA)

Recently found out that there was unauthorized charges on my credit report that did not belong to me or belongs to someone with a similar name. I Approached XXXX  and XXXX  and told them that these did not belong to me. Through a bit of effort it was removed from these 2 credit bureaus succesfully. XXXX on the other hand has been extremely difficult to get ahold of online as well as on the telephone. Eventually after spending 20 + hours on the phone with XXXX  I filed disputes regarding collection from the agency " XXXX XXXX XXXX ''. No resolution has been made my experian for these fraudulent and unauthorized charges on my credit report. It has been extremely difficult to pursue this issue with experian as contact from them is minimal and they are not doing the correct research. 

XXXX report # Report Number : XXXX
Consumer complaint received 2018-07-10
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (IA)

On XX/XX/XXXX and XX/XX/XXXX we closed 2 transactions where the seller had a first mortgage with XXXX XXXX and then a second mortgage was recorded for the exact amount to Secretary of Housing. They are assigned to Nationstar Mortgage and then assigned to XXXX XXXX. They are in essence placing a double lien on the person 's property although they have only one mortgage. I understand these are reverse mortgage 's but XXXX Mortgage/XXXX XXXX  have been paid off months ago and they do not prepare and file a release. We have a lender that has been asking for their final policy for 3 months now. We have called everyone including Secretary of Housing, XXXX, Nationstar, XXXX XXXX to no avail. This is ridiculous and I thought RESPA said they needed to file a release within 30 days of being paid off? If this is something you can help us with please feel free to contact me for more information and proof. 
Thanks, XXXX