davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ARVEST BANK GROUP, INC. (CA)

On XXXX XXXX, 2017, I wrote a letter to XXXX XXXX requesting Hardship Assistance, as their website indicates their concern and wanting to help their customers who were experiencing financial problems and/or foreclosure prevention. I received documents on XXXX XXXX, which was completed and mailed along with the required supporting documents to XXXX XXXX Hardship Assistance Dept. on XXXX XXXX, 2017. Part of the supporting documents submitted was a letter of explanation regarding my situation, and expressing my desire to keep the property, which is my PRIMARY RESIDENCE, and where I have been operating my home-based business-even since the initial loan was granted by XXXX XXXX. This plus the fact that the total mortgage payment on this residence is set to increase from {$4500.00} to {$6000.00}, beginning XXXX 2017 ; and finally, I pointed out that with the breakdown of marriage, I was now a self-supporting WOMAN, solely responsible for making mortgage payment with the submission of Quit Claim deed & Settlement Agreement. Letter dated XXXX XXXX, 2017 was received from XXXX XXXX stating that the only help they can provide was a Short Sale or Deed in Lieu of Foreclosure - what kind of help is that? XXXX XXXX seems to want to get the property and my livelihood as well.
Consumer complaint received 2020-08-26
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. (AR)

I have tried to call and inform the credit bureau that there are plenty of mistakes and inaccurate details on my report. I have disputed them numerous times online and telephone. They still are reporting and not fixing the errors. XXXX XXXX is reporting payments improperly. I have hard pull inquiries that I didn't authorize. I have asked for it to be fixed and removed, but nothing.
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Us B ankruptcy  XXXX  I went to the courts they have nothing matching my social security. They could n't give me proof because they do n't report to the credit bureau. They told me they could not help because they do n't have any record for me.
Consumer complaint received 2020-08-28
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. (NV)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$9800.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$850.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$2600.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1800.00}
Consumer complaint received 2020-08-29
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: Collection Information Bureau, Inc. (FL)

On XX/XX/2016, DOCTORS BUSINESS BUR added a Derogatory Mark on my credit report per XXXX XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer an I'm requesting legal action to remove this account immediately.
Consumer complaint received 2015-07-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (AL)

CONTACTED EQUIFAX FOR INQUIRY REMOVAL. ADVISED I WOULD NEED TO CONTACT CREDITORS DIRECTLY. DID SO CREDITORS NEVER RESPONDED NOR PROVIDED PROOF OF INQUIRIES. I WOULD LIKE THE FRAUDULENT INQUIRIES REMOVED ASAP.
Consumer complaint received 2020-08-27
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-08-27
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: EQUIFAX, INC. (GA)

I do not recognize these inquirers on my credit report and requested the XXXX to remove them as I did not give these companies permission to pull my credit report. I really don't know who these companies are : XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX When I dispute them with XXXX and Equifax the response is automated stating the information is verified and never investigated. Please remove ASAP.
Consumer complaint received 2020-08-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc (AP)

XXXX University in XXXX, AL is charging me tution for the Fall semester 2018. I was unaware that my veteran benefits had ran out and once I received notification from the VA, I dropped the classes in XX/XX/2018 and VA confirmed the drop notice. I verified that with the VA to make sure, they were late sending out notifications on benefits that year. 

I have tried to explain this to XXXX. If anything I owe it should be the late drop fee but they are charging me full tution and bunch of finance charges. The debt went from {$4000.00} something to over {$8000.00} sent from a law office. I really believe I am being taking advantage of as a veteran. 

Please help and advise in this matter. Thank you, XXXX XXXX XXXX
Consumer complaint received 2017-06-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (TX)

Greetings, Freedom Mortgage I have been out of work for more than a year. I was on a special forbearance plan with Freedom Mortgage, but I missed a payment due to no funds and the plan was cancelled. I submitted a new request for Loss Mitigation, but was denied due to dti. I had no income at that time. However, I was approved for benefits by Texas Workforce Commission and now have income. I submitted an appeal on XX/XX/XXXX. I never received any calls nor any written communication regarding the appeal. I called Freedom Mortgage on XX/XX/XXXX, for a status update. The rep reviewed my account and stated I was approved for another forbearance plan. I stated I never received a call or written notification, so he stated he would email it to me since I have until XX/XX/XXXX to sign and return. The forbearance he emailed to me was the old forbearance plan, which is expired. I called Freedom Mortgage again on XX/XX/XXXX because I was furious. I explained the fact that I suffer  from XXXX and have a XXXX XXXX with no insurance for medication. I have been barely holding on because of fear of foreclosure. The rep stated my appeal was denied and that he was n't sure why the previous rep said I was approved. I informed XXXX I 'd # XXXX, that I needed to speak with a manager. To build my hopes up and tell me everything was fine and my appeal was approved was insensitive, hurtful and has cause me to go into a XXXX XXXX. That inaccurate information absolutely deflated me. I have had to seek guidance from ministers and really trying not to return to the XXXX XXXX. I ca n't afford it this time. XXXX told me that there were no managers on the floor. He showed no urgency to help and I am beyond disappointed with Freedom Mortgage. They never CALL and the only written communication I receive is a letter informing me of a new single point of contact, which is every two weeks it seems. My income status has changed, as well as my debt. I submitted a new request for Loss Mitigation today XX/XX/XXXX. I use to work for XXXX XXXX XXXX XXXX Office of the CEO and President. I use to handle all regulatory complaints from the OCC and CFPB. I have had great experience in the past working with your offices and I hope that it can be a great experience as a customer.
Consumer complaint received 2017-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MI)

I have a parent plus loan originally through XXXX XXXX and Navient took over my loan and they keep doing forbearance on them with is costing more in interest instead of giving me a repayment plan. XXXXXXXXXXXX
Consumer complaint received 2017-06-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (LA)

I have gone online to pay a parking ticket which was the amount of {$160.00}, paid with credit card on  XXXX   XXXX ,  2017 . Payment went through and since I was unable to print the confirmation page I have taken screenshots of the confirmation page and the printer friendly version of the page for documentation.   XXXX  Today is  XXXX   XXXX ,  2017 . I have received a notification from  Transworld Systems Inc. stating that the unpaid amount of {$160.00} have been carried over to their Debt Collection department. I have called Transworld Systems, but was left with me badly recorded machine that was incomprehensible or at leas t seem to not have given me the option to call for a complaint. On the back of the letter provided a website for transworld payments and website for  FTC ( Federal Trade Commission )  in which I had looked up for it 's contact information and called Headquarters. There a machine came on and guided me to call another number to resolve this issue and was lead here to write this complaint.
Consumer complaint received 2024-09-02
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)

I received a letter from XXXX XXXX XXXX threatening to take me to civil court for a payday loan that I never applied for nor did I receive. The company is in California and I am in Texas. I know this does not belong to me because up until recently I had my credit locked since XX/XX/year> due to identity theft. The letter also states that they reserve the right to subpoena my parents and claiming I listed them as references. My parents do not support me financially nor would they agree to this. This company also listed my credit score on the letter which is an even more cause for concern as I never authorized this company to pull my credit. I have already reviewed my personal accounts with all 3 credit bureaus and this loan has never been on it. I am starting to believe this might be a scam.
Consumer complaint received 2020-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (AL)

My loan was sold to Arvest Central Mortgage Company from being originated with XXXX. XXXX booked and serviced the loan for approximately 3 years before selling to Arvest. Since I have no control over the servicer of the loan, I have no control over rejecting this change. The new servicer Arvest charges fees which were not originally disclosed to me when I agreed on my loan. Arvest charges a fee to make an online payment, a fee if a billpay is sent in from my bank ( since it will not have a payment coupon ), and the latest I've been made aware of, a fee for requesting a payoff letter. I am currently refinancing my loan to get away from this company and I'm hit with a {$15.00} fee for the payoff letter required. So, not only am I told I have to pay a fee to pay my loan unless I choose to setup autodraft I have to pay a fee for the mortgage company to get the payoff quote to pay off the loan. I explained to customer service autodraft is not an acceptable solution to avoid a payment fee. When an autodraft is set it will come out the first of every month but I may get paid on the XXXX of the month depending on how the weeks work out. If I wait to the autodraft then I would be paying 11 days of interest accrual in order to avoid the make a payment fee so that unfairly penalizes me in either situation ; this does not seem lawful in any way. Further, Arvest charged my account {$15.00} for the payoff letter but did not first have my permission. As I explained to Arvest, they should have called me and said, this information has been requested and we charge a {$15.00} fee to fax the request, do we have your permission? I would have said no, I will take the free alternative.
Consumer complaint received 2020-08-29
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (CA)

I sold the car leased from XXXX to third party, XXXX on XX/XX/20. XXXX delivered the lease payoff amount of XXXX on XX/XX/20 ( XXXX tracking # XXXX ) at XXXX XXXX XXXX, XXXX. 
c/o Lockbox # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. The check was cleared on XX/XX/20. However, my lease account has not been credited and paid off. 

I called Acura Financial services on XX/XX/20 and was told that the payment was applied to the wrong account. It would take 48 hours to resolve it. I called back on XX/XX/20 and found out that it would take four business days to resolve it. As of XX/XX/20, this has not been resolved. It takes a lot of time to get a hold of customer service rep and my payment needs to be backdated to XX/XX/20 and refund my overpayment. I made one payment due on XX/XX/20 to avoid negative credit reporting. Please resolve this issue as soon as possible. My Acura lease billing statement is attached for reference.
Consumer complaint received 2020-09-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2017-06-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (IL)

I am the co-signer on my son 's student loan. He is currently in the process of   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   with the  XXXX   XXXX . His statement was sent to me with a coversheet stating that his mail is undeliverable and that they updated his account with my address. When I attempted to call and have his address updated, I was told that they would not update the address on his account without speaking to him. This makes absolutely no sense as they changed it to mine with out his authorization. I advised that he is currently training for his  XXXX  to the  XXXX   XXXX . I was told it did not matter.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX
Consumer complaint received 2020-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

FedLoan Servicing ( PHEAA ) has begun ignoring my payment instructions yet again. This is the fifth CFPB complaint I have had to file because this company refuses to follow my payment instructions. My standing payment instructions were attached to a previous CFPB complaint, and FedLoan Servicing has acknowledged receiving these instructions and agreed to follow them as part of that complaint. The most recent example of incorrectly applied payments is my XX/XX/XXXX payment for {$360.00} that was applied to my loans on XX/XX/XXXX. This payment should have been applied to the loan with a disbursement date of XX/XX/XXXX and interest rate of 4.45 % but it was instead applied to a loan with a lower interest rate. I have attached a screen capture showing my two most recent payments that have not been applied correctly.
Consumer complaint received 2017-06-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TX)

Navient ; multiple times : they 've recently reorganized their website so that I can no longe r split loan ( s ) into different billing groups. Previously, by doing this, I could easily and through self-service pay my base loan amounts, and then select one ( by virtue of billing group ) to pay extra on. When I do n't split it into billing groups, it is difficult to ascribe overpayment to one loan without potentially underpaying another and going into default on one o r more other loans by accident. I use the overpayment to attempt to pay down my debt by focusing on higher interest / lower balance loans. Since the changes, they can no longer do this ( according to service ) and I must call. When I do, I am frequently on hold for double-digit minutes, I get representatives who disconnect the call ( note : I try to be pleasant ), I get representatives who want to transfer me, I get representatives who wish to charge me for taking a payment over the phone even though there is no effective way to parse out a payment toward an individual loan within a group. I believe they introduce these confusions to maximize the amount of interest that I pay and minimize the chances I can garner effective assistance with my issue.
Consumer complaint received 2020-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Regional Management Corporation (NC)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer 's disputes. Iv'e been given the run a round and need this to be solved. I'm deeply stressed because this is effecting me heavily and as a single father to a XXXX XXXX, I am trying to better my future but this is holding it up. I have been sending letters before this and still no response.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have had a XXXX XXXX XXXX with XXXX XXXX since XX/XX/2016. The business is a consulting one and is in my name and under my Social Security number solely. Both XXXX  XXXX and I have REPEATEDLY requested TRANSUNION to report this account and my flawless payment history just as they do with my OTHER XXXX  XXXX  XXXX but they continue to put it back on XXXX  XXXX in an endless circle.