davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

Two things ... I was never advised I had the option to apply for the release of my cosigner. I was eligible, too, but I was never advised that option existed. I admit there might have been some ignorance on my end, in that I just assumed a cosigner was stuck with the loan for life like I was, but this information was never promulgated to me from the Second, after I applied and was granted graduated income repayment status in XX/XX/XXXX and XX/XX/XXXX for all loans ( federal and private ), I was never advised that the payments for the private loan would only be allocated to the interest and nothing to the principle. I just learned I owe MORE now on that loan than the principle disbursement in XX/XX/XXXX.
Consumer complaint received 2017-03-18
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

10+ years ago I submitted a request to permanently opt out of receiving credit card offers by US Postal Service . Since then I have not received credit card offers by mail. Two days ago I received a credit card offer from Capital One. I have never done business with Capital One, nor do I plan on ever doing business with them. Their direct mailing to me of a promotional credit card offer is in violation of my registration to the Opt Out list.
Consumer complaint received 2017-05-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I originally had a private loan through  XXXX   XXXX , when i agreed to the loan, many options were available if I was not able to make payments - many many options. When the loan was transferred  to Navient, I assumed similar options would still be available to me. I hit a hard time and was n't getting the hours at work I usually do, I called Navient to work something out and they were not constructive at all. The only option they gave me was Forbadence. All t he options I had when I originally agreed to the loan we no longer available to me and I feel that is unfair to me.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-02
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. (AZ)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-02
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: Experian Information Solutions Inc. (IL)

I reported fraud with XXXX. I have not used my social security number to open any accounts. I went on my credit report because I was denied an auto loan but was confused on why I got denied because I shouldn't have anything on my credit. I looked up my credit report and I seen XXXX accounts that I never knew about or authorized. 

I have a XXXX card account that was not made or authorized by me. It was opened XX/XX/XXXX and it is a total of XXXX  dollars. Also it is a XXXX XXXX card account that was not made or authorized by me. It was opened XX/XX/XXXX and is a total of XXXX dollars. Lastly it is a XXXX XXXX XXXX account that was not made or authorized by me. It was opened XX/XX/XXXX and is a total of XXXX dollars.
Consumer complaint received 2024-08-02
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. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law XXXX. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : XXXX
Consumer complaint received 2024-10-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/year>, Chase closed my 4 accounts including investment account with balance of, {$6900.00}, checking account with balance of about {$900.00}, saving account, and children account. I expected to receive these amount in cashier check. I only received {$270.00} from Chase for checking account. I contacted Chase to Executive Office Complaint with reference number XXXX and was told that someone will resolve this issue. However, I havent heard back from Chase yet.
Consumer complaint received 2024-08-02
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. (NJ)

PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2016-04-20
Product: Credit card — 
Issue: Arbitration — 
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo bank refused me credit card XXXX. 

I have credit line for over XXXX $ using only XXXX-XXXX % of revolving at any time with several other banks.I have perfect repayments record. I felt odd when the conversation happened where they asked me to send a copy of my XXXX.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( XXXX  XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2017-01-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

I went through annualcreditreport.com and was only able to gain access to XXXX. Experian and XXXX did not provide reports. Both times connecting timed-out and then said I 'd have to try back in 12 months.
Consumer complaint received 2017-01-28
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (FL)

Equifax released my credit report to these individuals without my permission. These are fraudulent inquiries. 

XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX
Consumer complaint received 2017-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

This account is on my credit report, Does not belong to me, I called XXXX and was told there is nothing that can be done today, I have to mail a letter to their consumer affairs department. There are multiple accounts on my report, as well as employment info and address info I will continue to call the creditors in effort to get the false info removed Account Name XXXX Account # XXXX Account Type Conventional Real Estate Loan, Including Purchase Money First Date Opened XX/XX/XXXX Account Status Closed Payment Status Foreclosure proceeding started I have attached a copy of some of my Credit Report from Experian. I have never lived in XXXX Oklahoma, any info regarding that is false
Consumer complaint received 2017-01-30
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PHH Mortgage Services Corporation (FL)

Gentlemen : This Company ( PHH XXXX, XXXX NJ XXXX ) has failed to provide me with a " Release of Liability '' upon a fee of {$900.00} which I paid on XX/XX/2014. Please advise. Thank you,
Consumer complaint received 2016-08-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (CO)

Was not properly contacted when my mortgage company sold my mortgage to another company. The contact information my prior company provided was incorrect or the new company recorded it incorrectly. The transfer happened on XX/XX/2016 and I found out that it had changed when a 60 day late payment appeared on my credit report. I had direct withdrawl with my previous company and assumed that the money was coming out automatically like it had for the last 8 years of my mortgage. I do n't think I was properly notified and have a 8 ( almost 9 ) year track record with my mortgage and now no creditor will touch me because I have a 60 day notice on my credit score.
Consumer complaint received 2017-01-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC (TX)

My family and I had a Family Plan with XXXX. In XXXX of 2016, my brother and sister called XXXX to terminate the plan and disconnect all phones including a home phone for all of my family members. After 20 plus years we moved to XXXX XXXX XXXX. XXXX terminated my dad 's and my brother 's account in XXXX but left the lines open for my sister and me. Again, we called and asked for the phones to be disconnected in XXXX. Their response was it will close out on XXXX XXXX without further charges. Finally, my sister 's phone was disconnected. My phone was not disconnected so I called in XXXX and they said that it would be disconnected on the XXXX. I paid the remaining balance and I was told that would be it. It did not end, I called back in XXXX and the charges kept piling up for a phone I had not used since XXXX 2016. On XXXX XXXX, I called and asked what is the remaining balance to clear our account? The XXXX representative told me the total was {$97.00}. I paid the {$97.00} and was assured the remaining balance was {$0.00} and that the phone would be disconnected on XXXX XXXX with no further charges.The plan for the last number was finally disconnected on XXXX XXXX. However, XXXX kept accumulating the charges. I called once again in XXXX and explained to the representative what had happened since XXXX and he told me you have to pay up which I did not. XXXX then sent the account which is under my brother 's name to a collecting agency. 

I must also inform you that on XXXX separate occasions the XXXX representative agreed that there was no phone usage and we would not be continued to be charged. She mentioned to me it 's a glitch in our system but it should be taken care of soon. Unfortunately, it was n't and the charges kept piling up. Now, they tell me the current balance is {$140.00}. 

I can no longer access the statements or usage from the Family Plan because my account is past due according to them. I have attached pertinent information that will provide evidence to my situation.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2017-01-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: TCF FINANCIAL CORPORATION (MI)

I have been trying to get answers, explanations and resolution on my extremely TRID defiant home loan since I closed on XX/XX/2016. I did previously submit a complaint and XXXX XXXX, attorney for Chemical Bank responded to me via email, that although he knows NOTHING about TRID, RESPA/TILA or their rules that regulate mortgages, he believes the bank has done nothing wrong. 
I ca n't find anything right about my loan. There is nothing consistent about anything on either the LE or CD, along with their choosing to ignore forms they had me sign, from a Construction Loan Agreement for the construction rider, to an Affidavit of Occupancy which forced me to live in my home without basic items such as toilets, lights, sinks, faucets, cabinets, counters or a safe electrical system due to their refusal to disburse funds from my construction rider and although the XXXX claims to have dispersed the funds to them. Why would a buyer have to sign one to occupy in 60 days if this was a construction loan from the ground up??? 
Chemical Bank 's emails to me clearly indicate that they will do nothing to right this extremely WRONG situation without outside assistance. I have shown my closing docs to several title companies, lenders and Realtors with decades of experience who 've all said they 've never seen anything like it. Although the LE says I was to bring no money to close, the CD said I had to bring almost {$28000.00}. There is major inconsistency in the interest rates, purchase price, estimated payment vs bank statements, I received the CD the afternoon prior to closing at XXXX the next day. None of the docs show my XXXX % downpayment although the docs clearly state mine to be a conventional loan. I could keep going but am hoping and praying that the CFBP steps in for me just seeing what I 've attached and/or talking with Chemical Bank to personally hear that they are not willing to do anything to correct this. I 've asked them to cancel the " construction portion '' of my loan, which I showed them TRID allows me to do since they have not given me even a penny from it. They refused. I asked if they would convert the " construction loan '' to a " home equity loan '' because the " construction '' is basically complete, thus a " construction loan no longer needed. Again, I was denied. And again, I see the only way for Chemical Bank to comply to TRID regulations and my loan made to be even sane, is to have the CFBP step in. Thanks in advance for any and all help you can give.
Consumer complaint received 2016-04-19
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (TN)

I SPOKE WITH A XXXX XXXX XXXX IN THE COMPLIANCE DEPARTMENT ON XXXX/XXXX/16 AT LVNV FUNDING ABOUT OTHER DEBTS THAT THEY MAY HOLD PERTAINING TO ME. HE CONNECTED ME WITH THE LVNV FUNDING CUSTOMER SERVICE DEPARTMENT. THEY WHERE VARY HARD TO WORK WITH IN GETTING THE NEEDED INFORMATION TO CLEAR UP ANY AND ALL DEBTS THAT THEY MAY HOLD OF MINE. AFTER SPEAKING WITH XXXX SUPERVISORS, BEING HUNG UP ON, AS WELL AS SPEAKING WITH XXXX MORE REPRESENTATIVES I FINALLY GOT THE NEEDED INFORMATION. THE FIRST CREDITOR LISTED THEY NEVER DID GIVE ME THE NAME OF, AND REFUSED TO MAIL ME ANYTHING TO SHOW THE DEBT WAS OR IS ACTUALLY MINE. ACCOUNT # XXXX AND REFERENCE # XXXX. 

THE SECOND ACCOUNT XXXX ACCOUNT NUMBER XXXX REFERENCE # XXXX THEY REFUSED TO SEND ANYTHING THROUGH CUSTOMER SERVICE ON THAT ACCOUNT AS WELL. 

I 'M ON SSI AND HAVE BEEN FOR MANY YEARS, AND AM NOT SURE WHICH OF THESE ACCOUNTS WHERE MINE OR ARE MINE. 
AS WITH THE OTHER ACCOUNTS LVNV FUNDING HAVE DONE. THESE XXXX ACCOUNTS SHOULD BE CLOSED DUE TO HARDSHIP AS I HAVE XXXX TO XXXX XXXX A WEEK AN AM ON XXXX AS I STATED EARLIER IN THIS COMPLAINT.
Consumer complaint received 2016-11-07
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NY)

My husband and I submitted an income drive-repayment plan for student loans with Navient. We choose " ( Recommended ) I want my loan holder to place me on the plan with the lowest monthly payment '' in Section 2. We put the application in on XX/XX/XXXX and had not heard anything from them. We call Navient today and she tells us that " we did not fill out an application exactly for PAYE plan. '' She tells us we have to submit an additional paperwork to get on the PAYE plan and that what I filled out was not the right application. They ca n't place us on a plan until we specifically choose one. My husband and I are both lawyers, I think we can read an option that says " I want my loan holder to place me on the plan with the lowest monthly payment. '' Either she did n't know what she was talking about or this is an attempt to prevent people from getting on IDR payment plans. This did not happen to me when I filled out the same exact application from my own loans with XXXX.
Consumer complaint received 2016-06-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. ()

Good Morning, CFPB : I am a Military Service Member XXXX. I am writing reference an account with Ocwen Financial based in XXXX XXXX XXXX, Florida. This is a mortgage account with the underlying asset at XXXX XXXX XXXX ; XXXX, Maryland XXXX. 
I applied for a loan modification for this account. Ocwen took several months to process the modification. During the modification approval process, Ocwen reported adverse information on my credit file with the credit reporting agencies. I was informed by XXXX XXXX, a supervisor with Ocwen that my credit would be restored after the loan modification was executed. This did not occur. 
My relationship manager with Ocwen Financial is XXXX XXXX XXXX. I was advised by XXXX XXXX that I did not need to make a payment on the account until XXXX XXXX after the modification agreement was executed. However, on XXXX XXXX, when I contacted Ocwen to discuss the account, I was told that I had to pay a {$2000.00} past due amount for XXXX, XXXX & XXXX payments because no payment was made until XXXX XXXX. 
Ocwen 's failure to process the loan modification in a timely manner and their misapplication of funds to my account in the loan modification process has adversely impacted my credit and caused a financial hardship for me.