davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-30
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Franklin Credit Management Corporation (CA)

My XXXX mortgage was originally with XXXX XXXX XXXX, who went out of business and the servicing of my loan was transferred to Franklin Credit aka XXXX. They have been nothing but a nightmare refusing assistance unless it is in the form of usury. They refuse to comply with California Statues, specifically, the HBOR. My wife and I were so nervous we completed the application for mortgage assistance incorrectly stating the yearly amiount of income the column which called for monthly. Based on that mistake, Franklin Credit demanded {$24000.00} down and {$1400.00} a month on a {$110000.00} which was originally {$70000.00} and when we emerged from bankruptcy it was only {$56000.00}. I explained the mistake to Franklin Credit who refused to give me another application stating it was too bad and that the loan was recasting. My calculation shows {$110000.00} is at 9 % for 120 months ( 10 years ) however, my original note was only at 8 % for 30 years and my original payment was {$600.00} a month. Furthermore, Franklin does not indicate where the {$24000.00} dollars requested would be applied to. These tactics have XXXX my wife and out, my total monthly income is only {$7000.00} a month.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE this fraudulent information from my credit report.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Hello and good day! There are erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.
Consumer complaint received 2024-07-18
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. (TX)

My account with XXXX XXXX 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 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 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Dispute of Charge Off and Unauthorized Reporting Under 15 U.S. Code 1692 To Whom It May Concern, I am writing to formally dispute the charge-offs reported by your companies to the credit reporting agencies regarding the accounts listed below : Account Number : XXXX XXXX  Account Number XXXX Account Number : XXXX XXXX Account Number XXXX Account Number : XXXX XXXX  Account Number XXXX Under 15 U.S. Code 1692, I never provided written consent to furnish or obtain my personal information related to these accounts. According to the Fair Debt Collection Practices Act ( FDCPA ), any information furnished must be accurate and compliant with legal requirements. The inclusion of these charge-offs/ Written Off on my credit report is unauthorized and constitutes a violation of my rights under federal law. 

Furthermore, I reserve the right to utilize the arbitration process to seek compensation of {$1000.00} for each negative item reported without my written consent. The inaccuracies on my credit report have caused undue harm and financial distress, and I intend to hold your companies accountable for these violations.
Consumer complaint received 2024-07-18
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-11-22
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (MS)

I make partial payments to my mortgage company. Freedom mortgage 's automatic system does n't allow you to make partial payments. You have to make a full payment. Also, when that payment is made on the automatic system, you have to pay a {$10.00} fee. When attempting to pay with a representative, you can make a partial payment, but there 's a {$15.00} fee for them to process it. You also can not make a partial payment online either. When paying online or on the phone, you can not provide a credit/debit card #, you have to provide a routing/account #. I was furloughed and not able to make payments. I applied for their mitigation loss program. I allowed the 30 day period to review my documents. They denied it because i had n't had XXXX mos of payments. I 've had the loan since XX/XX/XXXX, but refinanced XX/XX/XXXX. I have never applied for the mitigation loss package, but apparently needed a payment reduction. They never called or submitted a letter or notification of the results of the mitigation. I called to receive that information. When I spoke with a rep about the denial, she provided other options that would all cause the payment to be accrued once I returned to work and would need to pay a double payment each month or close to a double payment, within a XXXX month period to become current and or apply for a loan modification again once, I reach my XXXX month period to do a loan modification. I would like to also mention, the refinance only allowed a {$30.00} reduction in payment. Freedom mortgage does n't offer any sort of beneficial help to the consumer and especially in a financial hardship.
Consumer complaint received 2016-01-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (TX)

When I pay extra money towards my principal balance, Freedom Mortgage posts my regular monthly payment XXXX, they deduct what I owe to interest, then the principal amount from my regular payment, then on a separate entry they will enter whatever amount I paid extra towards my principal payment. Well after they deduct this extra principal I pay, they then post the TOTAL OUTSTANDING BALANCE with the regular monthly interest they deducted on the regular payment back into my amount owed. This month is was {$330.00} added to my total due instead of it being deducted. Plus every year they transfer my loan from one lender to the next and I have to either agree with the balance they say I owe or dispute it. I disputed it because of their failure to post payments correctly. They sent me several documents of my payment history, but not all of it as I requested. There are months missing. I need to know if there is someone I can hire to audit my account and get the files. They transfer the mortgage from their sister companies every single year so far. Just to make sure they keep skimming off the payments when people do n't notice they total your money back into the balance as if you did n't pay it at all. Just a little at a time so it is n't noticeable. Customer service is n't helpful, phone calls are time consuming, their website is hard to look at each payment due to the way they post the payments. XXXX/XXXX/XXXX Payment Received {$22000.00} Detail XXXX/XXXX/XXXX Principal Payment Reversal ( {$22000.00} ) Detail XXXX/XXXX/XXXX Payment Received {$22000.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} Detail XXXX/XXXX/XXXX Payment Received {$21000.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} Detail XXXX/XXXX/XXXX Principal Payment {$39.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} Detail XXXX/XXXX/XXXX Payment Received {$40.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} If I pay {$22000.00} towards the principal balance, then the balance should be that exact amount subtracted from the prior months balance. Instead they added {$330.00} into my final balance. I want the entire account analyzed due to the fact that every penny we earn from our jobs goes towards this loan. They are thieves. I HATE THIS COMPANY AND WANT OUT OF IT! I want to find a bank that is honest and do n't try to steal from hard working people who actually try to pay their bills off.
Consumer complaint received 2015-11-13
Product: Credit card — 
Issue: Delinquent account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

My credit card company, Fifth Third Bank, which my account has been closed, has called me at home while I am at work three times today within a XXXX period. I feel they are making their case for trying to communicate with me, but calling intentionally their " legal '' limit of calls per day during which time I am unable to answer, since I am at work. Each time, never leaving a voice mail, so technically I 'd never knew they called if I did n't have caller ID services. They called on XX/XX/2015 at XXXX. I consider this harrasement by bugging my wife in having to check the phone each time it rings when as a homemaker, she has much more important tasks than to babysit the telephone all day. I believe this violates the Telephone and Solicitations Act.
Consumer complaint received 2023-04-15
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. (CA)

My name is XXXX XXXX XXXX XXXX and I am sending this request in response to a letter I received from 3 Credit Bureau that they wont process my request to dispute inaccurate information in my credit file. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that the 3 Credit Bureau must investigate and delete these fraudulent items XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance - ; Bankruptcy XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX  Balance : {$320.00} ; XXXX XXXX - XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2016-04-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (OH)

We purchased a home in XXXX XXXX and financed with XXXX XXXX. We voluntarily set up an escrow account for our property taxes and insurance. According to our closing disclosure which I have attached, the last page and paragraph of that document indicates that we may be able to cancel our escrow account and if we do, we would have to pay the property taxes and insurance on our own which is what we intend to do. Since we are a new development and one of the first homes sold, our local County has not come out to access what the actual property taxes would be and the projected tax amount is an estimate only. Until then, we do not feel comfortable handing out over XXXX a month to a bank where if it was in our control, we could at least earn some interest on it. Since we live in a new development, the taxes have not been assessed. We are only paying on the land until the county comes out to assess. The next tax payment due is XXXX. Our home owner 's insurance is paid in full for 1 year. Freedom mortgage has over XXXX in unused escrow funds. We were advised by Freedom Mortgage we can opt out of the escrow account since it was voluntary if I sent a request in writing to them and could provide proof that we had enough in savings to make the next property tax payment. I provided that info to them on XXXX/XXXX/XXXX. I called and asked them the status of our funds on XXXX/XXXX/XXXX and I was told I would have an answer on XXXX/XXXX/XXXX. I called on XXXX/XXXX/XXXX and was advised my request was denied due to lack of payment history since we have only had this loan for a short time. This is not in my loan papers. Again, we were advised on XXXX/XXXX/XXXX by Freedom Mortgage, since the escrow account was voluntary and I had funds, we would have our unused monies returned and the escrow account cancelled. I was also told an escrow review would take a week. When I called back a week later, I was told it would take 30 days. I called back on XXXX/XXXX/XXXX and was told to call back in another week. I was then advised on XXXX/XXXX/XXXX that the only way to get out of the escrow was to refinance which is ridiculous as the refinance charges would cost around the XXXX I have in unused escrow monies We want our escrow account stopped and our unused monies returned to us at once. I was promised a call back by a supervisor " XXXX '' and never received one. I asked to speak to the escrow department and was advised that they did not accept outside calls. This is predatory lending and unjust.
Consumer complaint received 2016-11-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (CA)

I have been working on a modification with my current lender Freedom Mortgage since XXXX/XXXX/16, the file was deemed complete on XXXX. Every week that I call Freedom Mortgage they provide a different dates it was deemed complete until I read them the previous weeks notes and then they confirm I was correct would be the first problem. The start of the problem is according to the Lender the file goes to underwriting to see if they have all documents and then the file gets assigned to a single point of contact after they decide to deem the file complete which according to the weekly calls was completed on XXXX/XXXX/16 as I mentioned earlier. I was informed that the file would have a decision on XXXX/XXXX/16 and assigned, I called today and the file is not assigned and there was no decision on the XXXX of XXXX nor today which is now the XXXX and we are 40 days from when the file was deemed complete. The representative that I spoke to today stated that the 30 days for underwriting does n't apply to Freedom Mortgage because they can go up to 45 days. According the the CFPB guidelines the lender is to send a notice to all clients stating that the file is completed and the 30 days starts then, no letter has been sent nor received and Freedom Mortgage is not in compliance. 

I will not let Freedom Mortgage victimize me and take away my rights as a consumer when guidelines have been placed for all services to comply to ensure proper procedures are being followed.
Consumer complaint received 2016-02-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation (FL)

Avant credit has been wrongly applying the extra payments I make every month to interest instead of principal. 

I am obligated to pay {$360.00} and have been paying {$100.00} a week instead. To date I have paid {$5800.00}. 
Avant has only applied {$2200.00} to principal. To further test their wrongful allocation of monies I am paying them from online bill pay through XXXX XXXX XXXX, I sent in a {$5.00} payment and in the comments put " principal only '' - they added this payment to interest XXXX % along with the next payment of {$210.00}. The {$5.00} payment was made on XXXX and the {$210.00} payment was made on XX/XX/XXXX 

The facts are simple. They agreed over the phone around XX/XX/XXXX ( they record all calls and the calls can be subpoenaed ) that any extra payments would be applied to principal. They are treating my principal reduction payments as though they are advance payments which they are not. There are no prepayment penalties. 

Avant 's deceptive allocation of principal payments have made it next to impossible for me to payoff my loan early as a responsible consumer. They have not clearly outlined in writing how a consumer can make principal only payments and by creating this breakage model, are effectively creating a prepayment penalty which the contract I signed expressly indicates that there is no prepayment penalty. Their deceptive payment allocation practices amount to constructively blocking a person 's ability to pay out their loan early thereby saving them interest as evidenced by the fact that even a payment labeled " principal only '' was put 100 % to interest. 

When you divide the interest applied ( {$3500.00} ) from the total amount paid ( {$5500.00} ) the effective interest rate I have paid is 60.9 %. My contract states that my APR is 35.94 %.
Consumer complaint received 2021-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (LA)

I have a claim with the mortgage company from the hurricanes. The insurance finally paid me in XXXX. I had to send the check to the mortgage company because they were also listed as payee on the check. On XX/XX/XXXX the mortgage company received the check. 

I have been calling weekly since then to get the money sent to me and they have still not released my money to me so we can rebuild our house. Every time I call its a different excuse as to why and I have to speak with a different person every time. 

I have asked to speak with a supervisor the last 4 times I called and they tell me they do not have a supervisor available but one will call me back. I have never received a call back from a supervisor. 
It is now XX/XX/XXXX and they are holding on to money owed to me to repair my home that is currently not livable. 
Please help!! 

Mortgage company is ServiceMac
Consumer complaint received 2016-02-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (OK)

I am a cosigner for my son. I have a good credit rating so I am making sure the loan is paid. I do n't deny payment is due but the phone calls are out of hand. I will get a call every hour, sometimes no one is there when I answer. They continue calling until XXXX Today, XXXX/XXXX/XXXX, I spoke with a customer service representative at XXXX central time and told her I would pay the amount due on Friday, XXXX at XXXX central. She wanted me to post date the transaction. I told her on XXXX separate occasions I had done that only to have them process the transaction immediately, causing problems with other payments and would not be doing that again. She supposedly made notes to my account stating the arrangements made. Literally XXXX minutes later I received another call from Navient requesting payment. I told the rep I had just made arrangements. There was nothing showing in file. We went through the whole post-date conversation again. I have tried to get assistance on some of the forgiveness programs but since it is private we do n't qualify. We have been paying on this loan since XXXX and have only dropped the balance by {$3000.00}. I would love to find a way to refinance and get away from Navient. I do n't know if they have internal communication errors or if they are just bullies but I am not a satisfied customer. Also, as a cosigner, I get a call when the payment is late but they want the next months payment at that time too. I refuse to pay it before it is due. I hope this is not the general practice of all student loan companies.
Consumer complaint received 2015-05-01
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Avant Credit Corporation (KS)

Generally, they will draft all the interest payments, but REFUSE to draft when I am trying to pay a lot more to reduce my loan principal ; they always act completely confounded, while they are willfully defrauding me, they keep charging exorbitant costs for their actions not mine