davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that the XXXX and XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of : Company or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX BANK XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX XXXX XXXXXXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX XXXX XXXXXXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Total fraudulent amount : {$52000.00} These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I have attached a copies of the FTC Identity Theft Criminal Complaint reports from Experian, XXXX and XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2017-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OR)

Several weeks ago, I initiated a loan consolidation through XXXX for all of my student loans managed by Navient. Doing so, would lower my overall interest rate for each student loan. On XXXX XXXX ( XXXX XXXX, I received a confirmation from XXXX that the monies had been sent to my previous lender : Navient. Monday, XXXX XXXX ( XXXX ), I set up auto-payment with my new provider to take advantage of an additional ( XXXX ) discount on my new interest rate. Also, on XXXX XXXX ( XXXX ), I received an outstanding payment notification from Navient. I was surprised by this because I was expecting that all of my monies would have bee processed and my accounts closed with Navient. 

So, I decided to call Navient and learn what was holding the consolidation monies from paying off my account. In my conversation with a representative, I learned that Navient rejected the consolidation payment. When asked, " why? '' I was told that my account had a comments stating that I requested for the consolidation payment to be cancelled. When I pushed for more details from the representative about who could have made such a decision on my account, and when that communication was made, the representative offered to put my account in Forbearance to bring my account up-to-date and to escalate the issue to ensure that the consolidation monies are reactivated and processed. I am reporting this issue because I doubt that anyone instructed Navient to cancel my loan consolidation payment. Moreover, the representative 's handling of the situation allowed them to use this situation as a reason to change the current terms of my loan under the guise of doing me a favor. This will end up costing more money as a end result, because forbearance allows interest to accrue daily, which is more than 1 XXXX the existing payment plan that I already had with Navient and 2 ) the new plan initiated with XXXX. 

After speaking with the Navient team, I contacted XXXX to see if they had received any communications from Navient w/r/t cancelling my student loan consolidation payment. They confirmed that their offices had not received any notifications of such a change. 

I would like the CFPB to look into this matter because there seems to be no room for recourse should Navient choose to further delay my loan consolidation payment from XXXX. Furthermore, it would put me in a situation where I am obligated to pay two loan companies for the same debt.
Consumer complaint received 2017-11-01
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. (HI)

I sent a letter to XXXX XXXX to dispute the information on all three of my credit reports asking for verification. It has now been over thirty days and I pulled my credit report I have not received a response from XXXX XXXX nor have they marked any of my reports disputed within the time frame per the fcra
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I paid off the loan -- in full -- on XX/XX/XXXX ; that's the day XXXX delivered the check. XXXX XXXX XXXX claims they didn't credit the account until XX/XX/XXXX. 

XXXX XXXX XXXX told me it takes them 30 - 45 days to update their system ( which is outrageous because they IMMEDIATELY report if I miss a payment ). 30 days from receipt of the payoff check would be XX/XX/XXXX. As of XX/XX/XXXX, XXXX XXXX was still reporting the loan open and now 90 days late. On XX/XX/XXXX ( after 45 ) the account was still listed as open and 90 days late on my Experian report. 

As of XX/XX/XXXX, XXXX XXXX XXXX still reporting the account as open and late to Experian and XXXX ; thus harming my FICO score and my individual credit rating at Experian and XXXX at 60 days since I paid off the balance.
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I paid off the loan -- in full -- on XX/XX/XXXX ; that's the day XXXX delivered the check. XXXX XXXX XXXX claims they didn't credit the account until XX/XX/XXXX. 

XXXX XXXX XXXX told me it takes them 30 - 45 days to update their system ( which is outrageous because they IMMEDIATELY report if I miss a payment ). 30 days from receipt of the payoff check would be XX/XX/XXXX. As of XX/XX/XXXX, XXXX XXXX was still reporting the loan open and now 90 days late. On XX/XX/XXXX ( after 45 ) the account was still listed as open and 90 days late on my XXXX   report. 

As of XX/XX/XXXX, XXXX XXXX XXXX still reporting the account as open and late to XXXX   and Equifax ; thus harming my FICO score and my individual credit rating at XXXX and Equifax at 60 days since I paid off the balance.
Consumer complaint received 2018-04-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (TX)

CREDENCE RESOURCE MANAGEMENT violated federal law by not notifying me within ( 5 ) days before they REQUESTED a DELETED account to be REINSERTED back onto my credit file pursuant to 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material. Although this is not a refusal to pay ; however, your noncompliance within the ( 30 ) day timeframe is a violation of both the federal and state law according to the disclosure requirements of the Fair Debt Collection Practices Act and the Uniform Commercial Code ; yet, CREDENCE RESOURCE MANAGEMENT fail to meet the legal requirements by law.
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aargon Agency, Inc. (FL)

Collection Agency Aargon Agency is not located on my state secretary website that this agency/company is licensed and/or bonded to collect in my home state of Florida. Debt was last reported XX/XX/3018 in the amount of {$180.00}
Consumer complaint received 2018-04-02
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: JPMORGAN CHASE & CO. (AL)

I have requested multiple times that this company provide proof of my authorization to inquire on my credit. I do not recall applying for credit with Chase Auto Finance. I did not authorize anyone employed by this company to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). They are not legally entitled to make the inquiry. From the FCRA 616 : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2017-10-31
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: EQUIFAX, INC. (MD)

The credit bureaus XXXX, XXXX, and Equifax are acting as an accomplice with the banks fraudulent activity as I have reported that XXXX XXXX failed to address fraudulent activity I submitted through a denial or an acceptance. Silence is acquiescence. I have provided the facts about the fraudulent activity where the bank created the money I borrowed by using my promise to pay. This is illegal. It generated computer entries to my account, listing the loan as a credit, in effect, creating money out of thin air. In none of my transactions with XXXX XXXX did any officer or employee notify me that your bank created money by a journal entry ( out of thin air ). The information reported to the credit bureaus is fraudulent. As permitted by law, I have rescinded my signature from the original application due to fraudulent activity. Attached is an sworn under oath un-rebutted Affidavit as reference. XXXX XXXX has responded to my letter agreeing to close the account, but did not remove it from the credit report nor did they address the fraud. As a result the account listed with XXXX XXXX is null and void. Any credit reporting from the account noted in the attachment is additional fraud and identity theft.
Consumer complaint received 2018-04-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

My realtor representing the me, XXXX XXXX of a property financed through Ocwen. 
we both would like to file a complaint regarding the misinformation that was given to my client regarding doing a short sale for XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 

I the owner, was informed to submit Hardship package on XX/XX/2018, which she did. I then contacted regarding a Loan Modification, which I could not do due to my finances. On XX/XX/XXXX, I received a letter stating that since I would not be able to do a loan modification that I would be able to do a Short Sale. XXXX days later I received a letter stating that I could not do a short sale due to Foreclosure date ( XX/XX/2018 ). And I received from XXXX that the short sale documents that they received were denied. I shouldn't have received an email from XXXX, because I'm not an agent and no documents had not yet been submitted to the bank by my realtor. 

I was also informed that I could do the short sale and was never made aware that a foreclosure date was set for XX/XX/XXXX. I was also informed that she had to get the short sale documents by XX/XX/XXXX and they missed informed me on which documents to send in. This was all coming from the Relations Manager. We submitted an offer on XX/XX/XXXX and have been going through the process of doing a short sale. A BPO was even done. 

Up until this day, my realtor has been missed informed by XXXX overseas regarding amount to pay to stop foreclosure and finally was allowed to speak with someone in the US who gave my realtor the proper information regarding amount that was needed to stop foreclosures. My realtor was also able to understand her better.
Consumer complaint received 2018-04-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (LA)

The amount for my escrow taxes is too high. Monthly I have {$160.00} escrowed for taxes. My annual local tax amount is {$220.00}. I raised this concern before closing, at closing, after closing, and at the end of the year when the property tax bill was sent out. After I sent the property tax bill at the end of 2017 I was told that the amount would be adjusted in XX/XX/XXXX. When I contacted Pacific Union Financial at the end of XX/XX/XXXX I was told that they would not look at it until XX/XX/XXXX. When I requested that they look at it anyway I was told that they have no proof that the tax amount has changed from your local county. Currently, we have your annual county tax amount as {$220.00}. 
So they know that the annual tax bill is {$220.00} yet dont see a problem with escrowing $ XXXX/month for local taxes.
Consumer complaint received 2017-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (CO)

I have a account that is over 90 days never been overdrawn but made Mobile deposit it does not state its going to be weeks for funds to be available I would say for a XXXX check from a rental company at least 24 to 48 hours but it should state that when making a mobile deposit I mobile deposit on XXXX XXXX in the afternoon I figured it would be available on XXXX XXXX or at least by the XXXX The money is still being held today is XXXX XXXX I tried talking with them and been told in the beginning that my branch placed ahold on it call my branch to get it removed I did go to my branch and basically treated like I was not intelligent and they dont have to do nothing I tried again through the XXXX XXXX number this is Key bank today I tried to get my funds again the Bank which the company uses stated that the check had been cleared on XXXX XXXX during my conversation today with Key bank Supervisor I was told it was fraud that placed a freeze on my deposit I now know why I was treated like a thief which I dont know how to do or ever would I am a single parent and do need my money to buy groceries and keep my electricity from being disconnected Definitely Extremely Hurt and Disappointed at Key Bank
Consumer complaint received 2018-04-02
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: STATE FARM BANK, FSB (FL)

I received notification from XXXX XXXX about a few new inquiries. To my knowledge I have not given any consent to no one to use my credit file without contacting me so Im puzzled to how the inquiries are listed on my credit report. This isnt factual records because I didnt give any consent to open up any new accounts. I am also sending this message and letter as an affidavit and I would like an internal dispute to take place for this matter immediately. The internal dispute shouldnt take no more than 72 hours after receiving the receipt.
Consumer complaint received 2017-11-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: V and H Portfolio (TX)

VanceHuffman has XXXX accounts listed on my credit report stating that I owe XXXX and XXXX both the state and they were open on XXXX XXXX XXXX I have no recollection of this debt and why it 's reporting on my credit twice same day open to different amounts
Consumer complaint received 2018-04-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/XXXX, I opened a Weekends Only credit card provided through Wells Fargo Financial National Bank to receive no interest if paid in full with payments. The promotion was set to expire on XX/XX/XXXX. On XX/XX/XXXX, I scheduled a payment to process on XX/XX/XXXX for {$680.00}. This was to pay off the balance and avoid the deferred interest. On XX/XX/XXXX, only {$40.00}, the minimum payment, was posted to my account. On XX/XX/XXXX, {$320.00} was charged to my account as deferred interest. On XX/XX/XXXX, I contacted Wells Fargo Financial National Bank regarding the incorrect payment being applied on XX/XX/XXXX that was different from what I had requested. Wells Fargo Financial National Bank informed me that the terms of the promotion were not met, so they could not do anything about it. I stated that I wanted to pay the balance immediately, as I had requested previously, and have the interest taken off my account. I was informed they would not remove the interest, even if the error was their fault. They provided no solution and repeatedly informed me that they would not do anything to correct the issue.
Consumer complaint received 2018-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (PA)

XXXX XXXX, XXXX XXXX XXXX XXXX. 
XXXX XXXX, Pa.XXXX On XX/XX/2017 my wife traveled on the XXXX XXXX XXXX making 4 trips, she said that she paid each time with cash, but didn't get a receipt. I received written notice that my vehicle failed to pay this toll, after some back and forth a company named " Transworld Systems Inc. '' contacted me via a written notice that they were now attempting to collect this debt on behalf of XXXX XXXX XXXX XXXX. 
The amount was {$220.00}, after several phone calls Transworld Systems Inc., said they would agree to a payment of {$120.00} as payment in full and that they would notify XXXX XXXX XXXX XXXX that the debt was paid in full by way of this settlement. 
Transworld Systems Inc. 
XXXX XXXX XXXX XXXX, Oh. XXXX
Consumer complaint received 2018-04-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (DC)

On XX/XX/2018 at XXXX, I spoke to a Sallie Mae employee ( who, at some point, decided to brag about how his cosigner was " dead '' and that his loans were " taken care of '' ) to inquire about my loans. This employee went on to lie to me and tell me that I could fill out a " volunteer deferment form '' ( which, in name, does not exist ) or an " in-school deferment form '' ( which does not exist for medical leave students ) in order to have my loan payments deferred before I go back to school this fall. 

I received call ( s ) every single day which did not help my XXXX at all given that I would often be on hold for over 40 minutes. At some point I even uploaded my medical leave confirmation papers and two agents told me both document files ( all 17 + 1 = 18 pages ) were never received which was also probably a lie. 

Since that phone call I have had at least 4 other Sallie Mae employees ( including my supposed " case manager '' in Delaware ) be dishonest with me about what Sallie Mae could possibly offer me regarding temporary assistance in deferment.  Additionally, they would often remark about how soon they could take legal action against me and ruin my credit score even further for up to 7 years. All the while, my credit score /has/ plummeted 250+ points with no recourse because of Sallie Mae. 

I have probably spent over 7 hours on the phone with agents from Sallie Mae in  order to resolve this issue and out of it I have received nothing but abysmal credit reports and snark for trying to advocate for it.
Consumer complaint received 2018-04-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (PA)

Hi my name is XXXX XXXX we have applied for a mortgage with Quicken Loans and ended up switching lenders Midway through XX/XX/XXXX Quicken Loans received a statement saying that we were transferring or FHA loan to XXXX XXXX XXXX and I have attached a copy of that statement. Which time Quicken Loans should have quit processing or loan but they did not they continued to process the loan without our knowledge or a written document after the XX/XX/XXXX for a intent to proceed. On XX/XX/XXXX are Quicken Loans contact XXXX  XXXX send us a text message which I have attached stating that he had received a message saying that our loan was being transferred and he needed to know what was going on. Within one minute I replied back to him in the form of a text message once again that are loan was being transferred to XXXX XXXX XXXX he then proceeded to text me that he wanted to give us {$1000.00} in closing cost and {$500.00} after closing. Later that day we have come to find out that there was an appraiser at the property that was Quicken Loans appraiser. We had tried to contact him to ask him why he was there and this was all after the fact that he had already performed the appraisal during his appraisal nor the owners of the property or our realtor was present were unsure how he had access to the house and he is not willing to tell us. I have contacted the executive team and spoke with XXXX XXXX for her to look into this we are wondering why or loan was processed without our knowledge after we submitted several times that it was being transferred the response I got was there was nothing she could do about it and they needed to give the appraiser at least 24 to 48 hours to cancel the appraisal however there's no way we could have done that since we have no knowledge of the appraisal even being performed it was never conveyed to us that appraiser from Quicken Loans was going out there or would have made sense for us to call I even spoke to a gentleman by the name of XXXX around XXXX that same day of the appraisal asking about the XXXX dollars for closing and a {$500.00} after closing XXXX for me before an appraiser would even go out to the property that Quicken Loans would give us a call I have pulled all of my XXXX bills as well as my realtors and no phone call was ever made to us or convey to us that there was a realtor on his way out there I also ask Quicken Loans for their third party vendor phone number who the order appraisals through and was told that they would try to disclose the information but I have not heard a response back