davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RoundPoint Mortgage Servicing LLC (CA)

I have a loan with ROUNDPOINT MTG XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and ROUNDPOINT MTG with no successful resolution. XXXX, and XXXX only reporting me 30 days late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-02-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (AR)

I received a call at XXXX XXXX. on XX/XX/ 2019 from a very brusque-mannered man who threatened that my rental and credit history would be RUINED because I refused to provide personal information. He said he was " notating my file as a refusal to pay '' when I advised that I would not be giving any personal information to a stranger by phone because I've been a victim of identity theft. I never said anything about refusing to pay ; nor did I acknowledge whatever the debt was that he was speaking of. I was threatened about my credit and rental history regardless by the collections representative. My FDCPA rights were violated.
Consumer complaint received 2019-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

On XXXX XXXX, 2019 I made a cash deposit of {$1000.00} into the atm at PNC Bank. I deposited the money like i normally do for some reason after it counted the money the screen went blank and said transaction can not be completed contact your finaical institution and gave me a receipt but no money came out. So i then did a balance inquiry to see if money went into my account no money. So I go inside tell them what happened show them receipt. The manager said you have to put an atm dispute request in. I do that I call a few days later to check on it they said its still under investigation. I took many trips to the branch and many phone calls for them to tell me after 20 plus days that their video doesnt show me using the atm. I have a receipt showing you I did matter fact I have two receipts.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Now for the issue. For the last 6 months I have been aggressively working on my credit score in order to purchase a new car in XX/XX/2019. My credit score was 27 points from reaching XXXX. Then to my surprise I receive a notification that my credit score dropped 36 points. So first pull my credit report to see what in the world could be the change because I dont have any added debt and Ive been paying all my bills on time. The issue why my credit score dropped 36 points was because on XX/XX/2019 XXXX reported to all three agencies that my student loan balance increased by {$3100.00} and then XXXX on the same day reported that my student loan increased by {$2400.00} for a total of {$5600.00} in increase debt. So I call XXXX and speak to Customer Representative # XXXX to see what was going on because I am not back in school and I havent taken any additional loans and the representative lets me know that I dont have any new student loans and there isnt an increase of {$5600.00} on my student loans there is only an increase of about {$300.00} and she doesnt know why XXXX  reported an additional {$5300.00} to the credit agencies. I have attached documentation reflecting the only change in my credit report. I also called all three agencies regarding the 36 point drop and each customer representative informed me that the change is due to an increase in my debt indicated by my student loan provider of {$5600.00}. I was also told that it could take months for my score to increase by the 36 points even if XXXX  fixes the mistake. 

XXXX inaccurately report on my credit reports and why no one has caught this. The 36 point decrease has put me in a completely different credit score bracket with a completely different interest rate for the car I have been planning to purchase. This error affects me in the long run and my financial well being. I need a person to give me a call to resolve this. I would like a live person to give me a call and explain why {$5600.00} was reported to the credit agencies and what is being done to fix the situation.
Consumer complaint received 2019-02-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (AZ)

Chase closed HELOC when the housing industry bombed in XXXX with no notification. Balance was about {$40000.00} limit {$50000.00}. Was paying interest only, apply extra to the monthly payment which was about $ 150- {$160.00} ; interest rate was 4.01 %. Filed Bk XX/XX/XXXX discharged XX/XX/XXXX, did not include in Bk because daughter on loan and she was not filing. Have never missed a payment since the opening of loan been through Bk. Continued to pay interest payments. XX/XX/XXXX rec call from Rep, it has been 10 years need to start paying principle and interest. Monthly pmt increased to {$330.00} interest rate was 4.26 %. Was told the interest rate would not change, payment would not change because credit limit was closed. Continued to make payments and started to see interest rate increase..XXXX rate would go up and down but XX/XX/XXXX rate was increased to 5.26 % pmt {$360.00}. Called and they would not talk to me because I had filed BK but the rep talked to me to increase the payment. Emailed about the increase to response, had daughter call, XX/XX/XXXX left message to return call. I had called and finally rep would speak with me XX/XX/XXXX and would call back, no return call, XX/XX/XXXX wrote an email accusing Chase of predatory lending they sent me a copy of my contract from XXXX. No response to my direct questions of increase interest rate. Sent another email, rep called this time and all he could say you signed a contract, no explanation to reasoning, nothing. Got of the phone with him which I think was XX/XX/XXXX and again accused of predatory lending because Chase increase the finance charges every other month if not every month so the finance charges eat up any principle balance and requested an amortization and never received a response.
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2015-06-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I got divorced and just wanted my wife 's name off the mortgage. It was the mortgage I took out in XX/XX/XXXX. The exwife signed a quit claim. Bank of America told me that I needed to apply for a new mortgage in the Assumptions Department. I did and was XXXX refused a mortqage I already have been successfully paying. I demand a full refund of my amount of payment for the mortgage application to the Assumption Department. This process started in XXXX XXXX. It has gone on and on due to a slow bureaucracy inside Bank of America. How slow? XXXX letter from BAC demanded information or threatened denial of a mortgage if new information was not provided promptly. The letter was dated, for example, XXXX XXXX, XXXX but was postmarked from the same office a complete one week period later on XXXX XXXX, XXXX!!! Thus the letter did not arrive until two days before the " due date '' for the newly requested information. I was passed from one loan handler to another. I would like to list their names here. 
Now a complaint about this very website : underneath this webpage asks for a type of bank service, and no where is " MORTGAGE '' listed. 
I am picking the XXXX option, advising you now, I mean " mortgage problem '' by picking the XXXX option below.
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

There are items in the Collections section of my credit report that are in violation of my rights under HIPPA and FCRA laws. Why is information about my medical history or anything about my medical providers being published. I have asked for this information to be removed several times. If not removed after this request I will proceed with legal process to sue as part of my legal rights
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NY)

The information that are on all three of my credits report ( XXXX, XXXX and XXXX ) are not accurate. I have try to contact them a few time and i haven't heard back from them. 

Here are the credit cards : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Greenlink Financial, LLC (MD)

I called GreenLink Financial regarding a Flexible Personal Loan offer I received in the mail at XXXX. I was told I had conditional approval and that they need it to go over some information. I was transferred to the person named XXXX. He took my personal information and said that they will do soft credit check and will call me with approval in an hour. He asked for last 4 digits of my SS #. The call back never happened. XXXX gave me his direct number and told me he will call me within the hour. I was asked if I give him an approval to for a soft credit check. I tried to call back at his direct phone number at ( XXXX ) XXXX but the phone doesn't work. I also called the general number from the offer I received and I was unable to connect with anybody. I placed fraud check on my credit reports and locked the reports since then. I am concerned about being a victim ID theft and financial fraud. 
This appears to be a scam and fraud. 
The phone call took place on XX/XX/19 at XXXX EST.
Consumer complaint received 2019-02-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CO)

My private loan from XXXX was transferred to XXXX, then from XXXX to Navient. Where with Navient has consistently increasing my interest rate and is up 3 % from initial distribution. I do not receive any notification of the change. My loan will never get paid off at this rate and only increases. 

I have autopay with XXXX and have never paid late and had a 100 % payment on-time record. 

This is ridiculous how my interest rate is just going up instead of going down for good performance. I have had my loan changed by 3 providers so I can not get any information from the providers about the history of my loan and Navient will not provide me with a statement of my interest rate. In a year it's gone up over 1 % for no reason!
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

This all has too do with Equifax website ( myequifax ). I have tried too use this website since XXXX XXXX with no results. I have contacted Equifax about this problem many, many times and they don't know or care how too fix the problem. Anyhow, when I try too log in too Myequifax site, it will not allow me too log in and keeps coming up with a message that says they are temporarily unable too complete this request, please try again later. I finally had too file a complaint with XXXX  back in XXXX XXXX and still have not received any help on this issue. Now, I have the same problem with their site ( Lock & Alert ).  They finally had a guy call while I was in the hospital that left a message on the aswering machine that he was showing several errors on these websites and too call him and he could help get this corrected. Well, after many months of the same problem, I called him ( XXXX XXXX or XXXX ) on XXXX XXXX XXXX too get some answers and he said he would get back too me the same day or at least the next day and never heard a thing from him. He also suggested that I lift my freeze for good and just lock my report with the product I have with Equifax that I pay for. He says that is the same as having a freeze which is not correct.. I repeated that I need this website too work when I want too lift a freeze and I want these so called errors corrected. I even tried resetting the password even though I had the right one and it said it sent me directions too my email but never received anything in my email. I have even tried different browsers too see if the website would work but the same thing. Sorry, but I am so fed up with Equifax on this subject because they don't seem too care at all and one more problem I have is them is calling me and not being able too understand them enough because they can not speak good English.  Like I said before, I want this website ( Myequifax ) too work like it should work just in case I need too lift my freeze in the future. I do have a pin # too lift it using the automated system but want this website too work as it was intended, thank you
Consumer complaint received 2019-02-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

I have received notification that my mortgage payments were not received for XX/XX/XXXX, and XX/XX/XXXX. 
My XX/XX/XXXX and XX/XX/XXXX mortgage payments were made both in the amount of XXXX withdrawn from my account on XX/XX/XXXX, and XX/XX/XXXX My payments are made from XXXX XXXX XXXX, XXXX, Illinois. I have receipts showing evidence of payment of mortgage for XX/XX/XXXX, and XX/XX/XXXX. Your help with this matter is greatly appreciated.
Consumer complaint received 2019-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF THE WEST (CA)

Our primary residence is mortgaged with Bank of the West since XX/XX/XXXX. The bank established an escrow account to pay for the taxes and insurance. 

In XX/XX/XXXX, we installed solar panels using a HERO program loan. We requested the bank to include the HERO program payment in the escrow account as the HERO loan is paid with the property tax. 

In XX/XX/XXXX, we acquired a HELOC with Bank of the West and paid off the HERO program loan. I notified Bank of the West and requested that they stop collecting payments for the HERO program loan. Notification was done via email, letter and by phone to customer service. Receipt as proof that the HERO program loan is paid was provided to Bank of the West. 

I was told by the manager that they will NOT comply with my request and that they will continue to collect the same amount for my escrow account including the payment of the HERO program.
Consumer complaint received 2019-02-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

XXXX XXXX, lost his wife in XX/XX/2012, he was not able to work for a period. 
He himself became ill. He has tried to work with Ocwen Loan Servicing and after ] not being able to get any kind of help from Ocwen he hired an attorney who caused him nothing but trouble. 

Since that time he has tried to reapply for a loan modification and so far he has been declined because he did not know what to do. 

XXXX is a XXXX XXXX  and XXXX  XXXX XXXX he has a great paying job and he wants to save his home he has income that he can prove. 

They said that he could do an appeal or resubmit a new application. we are writing to the CFPB to make sure that they do give him a fair chance at applying and getting a true evaluation because his circumstances have truly changed for the better. 
Thank You
Consumer complaint received 2019-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NJ)

second time writing in. first " Resolution '' was garbage. i am done with this company unless an until this is handled right. i been here 25 years no cards being used til this is resolved right. it has not been. they say they stand behind you nothing is further from the truth. i bought tickets to a show XXXX  XXXX XXXX due to a security issue i missed the entire show. not my problem. i keep callling aAm ex who says they back you up and they keep telling me they should be able to help me at least get a credit from XXXX and it keeps as a matter of bureacracy getting closed. they keep submitting thei refund policy which in this case resolves nothing. It is not my fault i missed the show and there can be no proof from XXXX that there was not a security issue at the theater there was. This falls way short of what Am ex promises they have lost my business. this is not right. i want at moinimum a credit from XXXX and to be backed by Am ex who promises this in their marketing.
Consumer complaint received 2019-02-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

One XX/XX/18, I discovered a fraudulent ACH transfer made on XX/XX/18 from my Bank of America Small Business Checking, one day after the amount had posted to my account. On the next business day ( XX/XX/18 ) I called both the bank and the merchant ( XXXX XXXX  ). Bank of America told me to fax in a claim ( which I did immediately ), and XXXX XXXX agreed that the transaction looked fraudulent ( they had no indication or proof that I had requested, initiated, authorized or approved the ACH transfer ). XXXX said I merely had to dispute the charge through my bank, Bank of America, and that they would quickly reverse the ACH transfer ( which had been deposited into their XXXX XXXX   account, on behalf the individual who fraudulently requested the transfer ). For the last two months I've been told that my claim was in review at Bank of America ( many calls to check in on it ). Bank of America then denied my claim, stating that the receiving bank/merchant had declined to reverse the charge. In phone calls with XXXX, they claimed that they would immediately refund the transfer if it was disputed by my bank. However, my bank said it was declined. Bank of America has provided no proof that XXXX and/or the receiving bank had authorization from me for this ACH payment, nor will they even send me documents to prove that they made the dispute. The ACH payment was made to a company I've never heard of and have never done business with.
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (WA)

On XX/XX/XXXX XXXX XXXX ( XXXX ) confirmed my XXXX XXXX Student payment in the amount of XXXX  $ and sent me an email stating the payment was successful. XXXX XXXX then mistakenly tried to use a 5 year old ( closed ) checking account to make that payment which did not go through and never sent me an email notifying my of a problem. 

On XX/XX/XXXX XXXX XXXX reported all 14 of my combined XXXX loans tied to my single account as late dropping my credit score 200 points. I have not been reported late in 7 years of payments until now. 

On XXXX I contacted XXXX XXXX  and was granted Retroactive Forbearance for the issue, but not explanation of what caused the issue and no explanation of why I received an email confirming the payment was made but no email notifying me it was rejected later. 

On XX/XX/XXXX XXXX XXXX denied my request to remove the late report on my credit report and gave me no explanation to why or addressed my claims. 

I am requesting help with getting this one issue removed from my credit report. 

XXXX XXXX
Consumer complaint received 2019-02-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I Have called numerous of time to get my student loans lowered and to get my co-signer removed. Navient customer service representatives told my mother and my self that if I make consistent payments for one year  that they would remove her off my account. Secondly I have also tried to qualify for hardship or get my private student loans lowered and they have not offered any alternatives. My payments continue to go up because I did not realize I signed up for a variable interest rate program. Both my interest rate continue to rise one is at 11.750 % interest rate and my second one is at 10.50 %. I have the money debited out of my account every month to qualify for the .25 % saving but my principal account balance has not gone down. With my XXXX XXXX now coming up for payment I can no longer afford these ridiculous high payments. and on one of my loans show that it has been sold and it looks like they have added more interest onto the principle on XX/XX/2018 of {$150.00} with a principle of {$22.00} which totaled {$22000.00}. I feel like i have been misled on trying to remove my co-signer and the interest rates keep going up therefore moving the needle on me every time I get closer to making the payments on the principle. PLEASE HELP!
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The inquiries i have listed should be removed, this can't be a factual record I do have file the FTC report which i attached in the complaint this info should be removed in 24 hours otherwise i may take this thing to the court, this not something i going to take light, please help me with this, Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights Here are the inquiries listed below : 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