davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
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. (TX)

After reviewing my submission I noticed that the Credit Bureaus Experion stated that my account was properly investigated by XX/XX/year> ; but failed to close out the complaint with the CFPB. Check my Credit Report with My Credit Score XXXX  on XX/XX/year> in ( Comments ) there wasn't a " Consumer is Disputing '' which is a direct Violation of the FCRA 623 ( a ) ( 3 ) 15 U.S.C.1681S-2 ( a ) ( 3 ) and the FDCPA 1692 ( 8 ) ( Fail to Mark Consumer 's Account as Disputed for the duration of the 60 days and 30 days in dispute ). This is grounds for removal and penalty of violation.

FCRA 623 ( a ) ( 3 ) 15 U.S.C.1681S-2 ( a ) ( 3 ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ) ( 2 ) Duties of Person Taking Certain Actions Based on Information Provided by Affiliate ( A ) Duties, generally. If a person takes an action described in subparagraph ( B ) with respect to a consumer, based in whole or in part on information described in subparagraph ( c ), the person shall 71 615 - 15 U.S.C. 1681m ( i ) ( ii ) notify the consumer of the action, including a statement that the consumer may obtain the information in accordance with clause ( ii ) ; and upon a written request from the consumer received within 60 days after transmittal of the notice required by clause ( i ), disclose to the consumer the nature of the information upon which the action is based by not later than 30 days after receipt of the request. 

If these accounts are not removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering
Consumer complaint received 2019-05-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (VA)

On XX/XX/XXXX we advised Freedom Mortgage of our intent to utilize a recast of loan XXXX and paid a {$250.00} processing fee towards that end. On XX/XX/XXXX we forwarded {$200000.00} as a pay-down amount. Freedom provided settlement documents - which contained one or more serious errors. Upon being advised of these errors, Freedom agreed to promptly replace the documents with accurate information. Those documents did not arrive as promised. We made several calls and sent multiple letters to Freedom in the ensuing weeks - receiving no response. Eventually, we began paying the new recast monthly amount ( after being unofficially told via phone of the new recast amount ). ALL payments were made on a timely basis.

Freedom then considered the account to be delinquent, and inundated us with automated calls and written material geared towards delinquent accounts. In the meantime, Freedom sent us conflicting information relevant to the escrow account affiliated with the loan, and refunded monies to us without explanation.

Only after contacting the CEO of Freedom ( XXXX ) via registered mail did we receive any action. Eventually, Freedom acknowledged grossly mishandling the escrow account, and the recast itself ( and acknowledging the account was always current ).

Freedom ignored multiple suggestions that our mortgage interest expense for XXXX would not be accurately reported to us. In fact, not until XX/XX/XXXX did they provide what appears to be an accurate Form 1098 - several weeks after such information can be used for reconciling XXXX taxes. 

Freedom has not responded to our request for a new amortization schedule pertinent to the referenced loan, and has failed to respond to our request for copies of any negative information Freedom may have provided to credit reporting entities.

Freedom has also ( on XX/XX/XXXX ) billed us for a Property Inspection Fee,  which is not provided for in the loan agreement - but which is consistent with practices of some mortgage companies when they consider loans to be delinquent.
Consumer complaint received 2015-08-04
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (WA)

My wife and I have been trapped and dealing with OCWEN since 2013 when I first lost my job. They said we needed to be behind on payments before we could qualify for a HAMP Program. We also hired a company that deals with OCWEN called XXXX XXXX XXXX, they told us along with OCWEN that they work together to help customers reduce interest, payments and ultimately save your home. We feel both of these companies have deceived and taken advantage of us especially by OCWEN saying they work with them. 

To date OCWEN continues to change the amount owed on our home, we have made our trial payments on three different modification plans, our interest rate to 4.6 % when in 2013 when we originally agreed to the plan it was 2.3 %, they extended the terms of our loan to 555 months even after paying on our original loan for over 8 years, they continue to add un explainable fee 's. We have not been offered any forbearance or any programs to help short term, they will not tell us why. Our relationship manager has changed two times and neither one would make effort to call us at times that were schedule by them or their staff. OCWEN continues to call 5-10 times per day saying that we need to make payment, even though we pay every month on time. OCWEN refused to accept our XXXX payment in any form unless we spoke with our relationship manager. We sent a check certified to the payment department, they recieved it but have not cashed it yet. 

Your help would be greatly appreciated, help with dealing with OCWEN and saving our home
Consumer complaint received 2016-12-03
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Bliksum, LLC (WA)

I pay XXXX % interest on XXXX. I knew about this but you do not have an OTHER so I can not tell you what most closely describes the problem. Here is that very problem : I 'm paying 118 % and did in-fact, STOP the auto payments from my bank account. Simple DEAUTHORIZE it. but, the problem is, I do NOT believe the XXXX % FAIR and I wo n't be paying it off until XX/XX/XXXX. 

That 's XXXX and XXXX style loans. The only difference is, you do n't " sleep with the fishes '' or " wear cement shoes ''. 

This is XXXX and they DO NOT help rebuild your credit, they DESTROY your credit, hassle and harass you every month when your loan payment comes due. 

I 'm just now getting on my feet and I BELIEVE that I paid them MORE than enough at $ XXXX a month in INTEREST on {$3000.00} since XX/XX/XXXX. That 's roughly {$6400.00} since XX/XX/XXXX and MORE than XXXX their money. 

I 'm tired of this and I WANT IT TO END. How is this allowed by XXXX XXXX and the Banking XXXX? How??? 

Do you, the FEDERAL Government XXXX this to happen? How???
Consumer complaint received 2019-05-25
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC (TX)

I received a title loan in XXXX which was paid for, so I thought. I received something in the mail that says release of lien which is signed and dated as well as a power of attorney from a place called XXXX XXXX. I assumed this was the papers that were filed with the XXXX so that they could mail me my title back. I put them away forgetting about them eventually until an emergency arose about 3 weeks ago and I needed money quickly. I then realized that they never filed the proper paperwork with the XXXX so I spend 8 hours that day getting the correct forms needed for the XXXX to remove the lien. The XXXX called to verify everything and had them send her another release of lien and power of attorney to ensure they were legitament. they were so we removed the lien and then the new lienholder was assigned. Well, on XX/XX/XXXX I was in a shopping mall about 30 minutes away from my home, and realized there was a tow truck pulling up to my vehicle. i quickly ran outside to see what was going on. he advised me that he had an order to pick up my car. I called the police and they were very nice but advised me to let him take the car and to get with XXXX  XXXX as they were the only ones showing as lienholder on my title. I quickly called XXXX  XXXX, the new lienholder who assured me that they didn't order this. My first payment was not even due yet. I have since gotten the run around by this company who has given me 100 numbers to call and no one could help me. I finally was able to get a name of a company called select management group, who still as of today has my car. They are claiming that i fraudulently had their lien removed from my title, which is definately not true, so I sent them what they gave me. Not even 5 minutes after I sent them what XXXX XXXX had given me initially they called me asking to workout a deal. This time from a local branch called XXXX XXXX XXXX XXXX. They are claiming that I still owe them money and if I can give them {$1600.00} by next friday, then two more payments of {$1600.00} twice after that within a month, then they will give me back my car. The problem is they are no longer a lien on my car so how can they steal my car from me and not give it back? They are doing it and I feel helpless as though there is nothing I can do please help
Consumer complaint received 2017-01-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (MS)

I received a collection notice in the mail from credit protection association l.p. about an account that I do n't currently hold with this company.. I recently contacted the company to about the debt.. I spoke with an agent name XXXX XXXX was rude, disrespectful and I was threatened several times.. XXXX referred to the company as his. I could never get a word in without him being rude and Disrespectful to me.. I immediately got upset with him, and cussed him ... I hung up with him and I got another agent who was a little better but had very little knowledge of his job as well..I asked to speak with a manager, after 10 minutes of being put on hold, I hung up because the manager never came nor did the agent check back in to let me know what was going on ... I have never experienced such rude customer service while trying to communicate with a company..
Consumer complaint received 2024-09-06
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. (IL)

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), an a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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 2017-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Trans union had a computer breach in their system between XX/XX/2017 nd XX/XX/2017 that violated the rights of their consumers under section 6.11 I have been greatly affected and my score is suffering as a result. This computer glitch which caused all of the collection accounts on my credit report to be deleted, and my credit score increased. The very next week all of the accounts were reinserted into my report without prior written notification in direct violation of sec 611 of the fair reporting credit act. I have spoken to several reps of trans union and they all acknowledge that the security breach happened multiple times in XX/XX/2017 but they refuse to fix their error in my credit report. I am requesting that the reinserted collection accounts be permanently removed from my credit file. I demand the following collection accounts be removed immediately. XXXX XXXX XXXX act # XXXX in the amount of {$84.00}, XXXX XXXX acct # XXXX in the amount of {$510.00}, XXXX XXXX XXXX acct # XXXX in the amount of {$610.00}, XXXX XXXX XXXX acct # XXXX in the amount of {$890.00}, XXXX XXXX XXXX acct # XXXX in the amount of {$860.00}, XXXX XXXX XXXX acct # XXXX in the amount of {$780.00}.
Consumer complaint received 2016-12-30
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I had a fraudulent charge on my Bank of America charge card. They sent the bills to an incorrect address. I was unaware of the transactions existence until I pulled my annual credit report and noticed the account had charged off. This was not a credit card I used regularly. This was associated with a subscriptions service that had an auto renew that I was unaware of this feature. This coupled with the fact B of A did n't send my bills to my address led to my account charging off.
Consumer complaint received 2016-11-14
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am disappointed in my credit card bank service. They held my bank payment for over a week before putting it on my account causing a hardship and didnt want to make it right. 

XXXX the manager in XXXX XXXX refused to make it right. XXXX XXXX was the manager. 

Bank America is the bank. Its a credit card.
Consumer complaint received 2015-04-18
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (MA)

I am concerned that Lowes credit card is misrepresenting their terms and late fees! In my telephone inquiry, regarding a late fee, I was told " the government allows us to charge a late fee after XXXX days of issuing a statement. '' I asked what their billing cycle is and was told it is XXXX days. How can a due date be XXXX days on a XXXX billing cycle? In reviewing my current statement date XXXX/XXXX/15, which I received on the XXXX ( XXXX days? ), It had a purchase dated XXXX/XXXX/15 on it. due date XXXX/XXXX/15. There is no postmark on there postmark on their envelope to verify when it is mailed, XXXX days is longer than most deliveries. I believe their intention is to leave a very short time to respond to the statement, thereby increasing there ability to charge late fees. 
XXXX
Consumer complaint received 2019-05-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

I paid off our student loan back on XX/XX/2019 in the amount of XXXX. 
we were told the check was sent to the dept of education in Georgia. That is not correct, it was XXXX XXXX XXXX, XXXX, XXXX We have the cancelled check, as well as the XXXX receipt. They continue to bother me and my daughter with harassment calls and emails. The next step is to pursue litigation. We have never had a late payment on our record.They continue to add interest to the account and this reflects on the three credit bureaus. I don't have the time to monkey with these people.
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (VA)

Recieved a citi bank master card with {$13000.00} limit. When I called citi bank I was notified that it was requested out of Pennsylvania and they had used my old phone number and information. The card itself had my name, but also had me down as a senior. Which I am not.
Consumer complaint received 2019-05-24
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: Experian Information Solutions Inc. (IL)

There are over 77 hard inquiries on my XXXX  report, I have paid two credit repair companies to resolve these issues and more. I also called XXXX directly and was sent a complimentary credit report but no real resolve for my credit report issues. I have been advised that I may be a victim of " inquiry issues '' within this credit reporting database, Several inquiries for instance are listed more than once on my initial credit report. Hard inquiries make up a significant role on your credit score.
Consumer complaint received 2016-10-19
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I used my Bank of America Visa credit card in this transaction for which I disputed the charge. I pre-ordered an aquarium from the online retailer XXXX in XXXX XXXX with an expected ship date of XXXX XXXX. Multiple delays led to an estimated ship date of XXXX XXXX, and then finally XXXX XXXX. However, the seller stopped communicating earlier in the year and I have tried multiple times to contact them through various methods such as email, online form, and chat. In addition, I moved in XXXX and have been unable to successfully update my shipping address. I called Bank of America initially to start a dispute and the person I spoke to on the phone said that even though this was charged in XXXX XXXX, that because the latest updated shipping was XXXX XXXX, that it would be no problem and still within timeframe and she was able to initiate a dispute. I received a fax number which to fax in my request and all supporting documents. After doing so, I received a letter saying the dispute fell outside the timeframe and they can not do anything. I called in again and this time a different representative said there is nothing they can do, contrary to what I was told the first time I called.
Consumer complaint received 2016-12-26
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: Mercedes Benz Financial Services (CA)

I went to lease a car from Mercedes Benz XXXX. We agreed to a lease of XXXX miles a year and XXXX down and XXXX a month. At the last minute they said there was an issue with my credit and I have to put XXXX down and pay XXXX a month. On top of that, my biggest and real complaint, was they switched the agreed XXXX miles to only XXXX miles on the contract. This is an absolute bait and switch.
Consumer complaint received 2015-08-24
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CIS DIRECT LENDING (NC)

I refinanced my VA mortgage to get a lower rate and my overall loan balance has increased and payments are higher than they were when I originally got the loan. I tried getting it resolved and understand there is some costs but it seems odd to me every time I call I get passed to a different person with no solid answer to why it cost so much and how to lower payment if nothing has changed in tax value. The principal balance is high and majority of my payment goes to interest not the principal. I cant afford to keep making this payments and currently facing possibility of being involuntary separated from army due to force reductions. I am unsure what to do next trying get my payments lowered and some of the fees waived.
Consumer complaint received 2015-05-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (IL)

I have requested numerous of times for a permanent modification in order to obtain a long term solution for my mortgage loan. However, PNC Bank refuses to offer such assistance in order to modify my loan from a " balloon '' to a fix rate mortgage. XXXX I was in the process to refinance with them in order to obtain a new loan with a fix rate, but I became unemployed. PNC " denied '' my application to refinance and for a modification because I was unemployed. I 'm back to work now and I still do n't qualify for a permanent modification because now I have income. PNC has been " Deceptive '' in their practices to make a decision for my application to obtain a modification. Not only has PNC been " Deceptive '', but " Discriminatory '' towards the location of my property since it 's seems most of the residents in XXXX, IL are being denied assistance.
Consumer complaint received 2016-09-26
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: TENET HEALTHCARE CORPORATION (SC)

My son received care at XXXX XXXX Hospital on 2 occasions, XX/XX/XXXX, and XX/XX/XXXX, to address injuries received as a result of his participation in a high school athletic event. At the time of his initial hospital registration, the registrar was given XXXX insurance providers, our primary carrier which is XXXX, and the carrier used by the high school, which was at that time XXXX XXXX. 
Sometime thereafter I began receiving receipts verifying payment from other agencies who participated In his care, namely the ambulance company that provided initial transport, the surgeon who performed the procedures, and the physical therapy group that was used for his rehabilitation. 
After receiving no such notification for some time, I contacted the XXXX XXXX Hospital billing department to inquire as to the status of the account, and was given a different number to call. After placing the call I was asked for my contact information, which did not match their records as the address listed with my name was the address for XXXX XXXX XXXX XXXX, who XXXX XXXX Hospital had apparently been sending invoice statements in my name. 
XXXX XXXX 's liability had been maximized, but instead of billing XXXX, the account was made self pay. Given the incorrect address listed on my account, I was not made aware of the outstanding balance, nor the fact that my XXXX insurance had not been billed. 
After I corrected my contact information with what I was then advised was a collection agency, I checked my credit report and found that the accounts had been posted as delinquent resulting in a significant impact on my previously excellent and unblemished credit history. 
My position is that should the XXXX XXXX billing department been accurate in the documentation of both my insurance carrier and my contact information, this would never have been an issue.