davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MA)

I have had several issues with Edfinancial this past week. I will break down the issues below as they occurred : First Issue : I made a full payment on one of my loans ( Loan ID XXXX ) on XXXX of {$380.00}. This was the amount shown on Edfinancial 's online portal and the amount that correlates with all statements prior to XX/XX/XXXX. On XXXX my autopay processed for {$30.00} additional to my monthly payment of {$310.00} ( {$340.00} total ). The {$30.00} was added to my autopay automatically without my knowledge to apply to this loan XXXX which was showing it had not been paid in full at the time. My loan was then negative the amount {$30.00} for which I asked the negative balance to be reallocated to other loans. Next, my XXXX statement generated on XX/XX/XXXX and is now showing that on top of the full payment as well as the {$30.00}, I now owe {$30.00} on that loan. I called about this and finally got in touch with someone on Friday XX/XX/XXXX who told me that they would be submitting a research request. I called again yesterday to check on this and the representative told me that I owe that amount and what I was shown on the portal AND my statements was not the correct balance on my loan. I am at a loss because I can not understand how the balance that they showed me on my portal and on my statements is now magically more once I made a full payment to them for the loan. 

Second Issue : When I went to check on this issue in my online account yesterday XX/XX/XXXX, they are now showing that I have a past due amount on one of my other loans ( Loan ID XXXX ) of {$12.00}. This is absolutely incorrect because of two reasons : 1. I make more than the minimum payment each month on all of my loans to pay them off quicker. 2. As I mentioned above, my autopay processed for more than my allocated payment amount. After the statement was generated, it seems that they reapplied {$20.00} of the payment on this loan to another loan ( Loan ID XXXX ). I do not want this to affect my credit score but I also do not want to overpay them and not have this issue corrected. 

Overall, I have paid Edfinancial {$720.00} for the month of XXXX and they have not been able to apply payments correctly and are now saying I owe more on loans that I have made payments for. I am very concerned about them being my loan servicer moving forward as I have seen that many other loan payers have had this or a similar issue with them when trying to pay off their loans. Any and all assistance with these issues would be greatly appreciated.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (OH)

Recently on XX/XX/XXXX I opened a Citi business account in the branch with a representative in person and that account was closed a couple of days later due to fraud and this is the account I am complaining about. The letter just says, " I have violated the terms of the account per the client manual ''. I opened the account with my social security card and Drivers License and there has not been any activity in the account so I dont know what terms I violated. The account was opened less than a week and the account balance was 0. I linked one bank account by sending trial deposits and this is when I discovered that the account was closed. In the past I had a citi saving account randomly closed for fraud so I think that I am black listed in the data base. I can open accounts in person and over the phone and the account will be approved then later its systematically closed. This is frustrating because I've lived at the same address for many years, I am an normal W2 employee, and I open the accounts accurately using my real social, address and drivers license. There is no fraud. Now this business account was closed for reason that I don't know other than I violated something in the client manual which seems unlikely due to it being a 0 balance. Following up with the call center doesnt get me anywhere
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NC)

There was an ongoing dispute with Discover about a {$500.00} charge on my account for almost two years. I paid the account while it was in dispute then Discover repeatedly removed and put back the charge for two years. During this time they added multiple late fees and interest charges to this charge, even though they claim they don't do that to disputed charges. I requested my account be closed and they owed me money since I had overpaid for everything while it was in dispute. However they never sent me any money. 

Finally in XX/XX/XXXXXXXX  they agree that the charge was fraudulent and sent me a notice saying so, several months after my account was closed and they never sent me a ) refund check for the overpayment b ) my cash back rewards. Since my account was closed I could not log in to check my overpayment status and when I called they could not give me any information and told me someone would call me back and they never did. 

Today XX/XX/XXXX they decided to list my account as a charge off on the credit bureau even though I have had a negative balance for the last 7 months as they owed me money. Now they are saying I have a {$10.00} past due balance even though they still owe me money. The transactions listed are late fees that should have been removed and it looks like they used my cash back rewards without my consent to go to any fees for late fees and whatever bogus transactions they added to my account. The current transactions listed for 6 months ago do NOT match the old transactions. 

THIS ACCOUNT WAS IN PERFECT STANDING. IT IS NOT A CHARGE OFF. DISCOVER OWED ME MONEY AND ADDED LATE FEES AND INTEREST TO A BOGUS CHARGE FOR MONTHS, REFUSING TO INVESTIGATE THE FAKE CHARGE. THIS IS DISCOVER 'S DESPERATE ATTEMPT TO MAKE MONEY OFF SOMEONE WHO NEVER PAID LATE OR CARRIED A BALANCE IN THEIR ENTIRE LIFE. NOW THEY ARE STILL TRYING TO MAKE MY ACCOUNT LOOK BAD. 

Please investigate this and have Discover correct the account and send me my check. 

Please be advised THIS WAS THE THIRD FAKE CHARGE TO MY ACCOUNT WITHINT ONE YEAR and Discover also refused to investigate the first two, forcing me to pay them.
Consumer complaint received 2023-10-18
Product: Credit reporting 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. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (FL)

I am on autopay. I made my student loan payment on XX/XX/XXXX, before it was actually due. Aid advantage charged me a second time for almost XXXX on XX/XX/XXXX. I have paid this way to XXXX ( paying my balance before auto pay was due ), and never was double charged under them. In fact, I've prepaid auto pays with tons of companies, including XXXX XXXX, and never had this issue occur. 

I called that day and they said that they would refund the duplicate payment ( but the one I made earlier, so those XXXX  can capitalize on the amount of interest they're charging ), and I let them know they had caused 3 other overdrafts because they had basically emptied my account with the second charge. It's weds, it's not refunded, I have three overdraft charges and my meds are supposed to be delivered today and I won't be able to afford them.
Consumer complaint received 2017-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I modified this loan in XX/XX/XXXX with XXXX XXXX XXXX. I made four payments ( Phoned in Check # XXXX XX/XX/XXXX, Bank Check # XXXX XX/XX/XXXX, and Bank Check # XXXX XX/XX/XXXX, Personal check # XXXX ) to XXXX XXXX XXXX as per the modification agreement to XXXX, but XXXX XXXX XXXX sold the servicing before the modification of the loan. The loan was transferred to Nationstar Mortgage, now Mr. Cooper. Nationstar/Mr. Cooper failed to modify my loan when they received it. They claim to only have two  payments towards the modification. They did not credit me for the first payment ( phoned in check # XXXX ), and were using my second payment as my first, and my third payment as a second payment. The fourth payment was also not credit to me and it was not until they received my fifth payment that the modification was completed on XX/XX/XXXX. Unfortunately this left me 30 days behind, when I really was one month ahead. 

I have filed several complaints and they appear to have found my payments but have credited me less than the amount due. They claim I now have a credit of XXXX when I should have a total credit of XXXX. They have not been very clear on why I even have a credit. My suspicions are they have found my payments, but are deducting all the late charges that should be completely removed, since I have never been late with my payments since the modification. I provided ample proof of all my payments, and they have both XXXX XXXX XXXX XXXX payment history and their own. I 'm also puzzled why they claim to have completed a new modification on XX/XX/XXXX ... Why? I did n't need a modification, I needed them to apply my payments correctly ... ..Something they failed to do.
Consumer complaint received 2017-06-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (IL)

I submitted a complete modification packet on XXXX/2017. Which were 37 days before my sale date. However Nationstar refuses to review my loan for any workout option. I have a increase of income I am making {$4800.00} per month. On XXXX/2017 I spoke with Agent XXXX XXXX he stated even if I was to show a income of one million. I still wont be eligible for a modification.
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I am doing everything I can to show Nationstar my intentions are to keep my home, I know most of the government modifications programs are over. However ; I can still be offer a in house modification. or something from my private investor. Because my home is under water. I was told by Agent XXXX id # XXXX Nationstar takes into consideration the estimated market value, delinquency of the loan and the pending principle balance to offer an affordable payment.
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Nationstar is using as an excused my active sale date for XXXX2017. Even though my packet was fax 37 days before the sale date. I follow the guidelines and still Nationstar refuses to work with me. Please help me.
Consumer complaint received 2024-08-09
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. (VA)

CFPB, TransUnion is in violation for reinserting one of my closed accounts. XXXX XXXX XXXX account was closed on XX/XX/year>. TransUnion has reported it on today 's date XXXXfcra reinsertin of closed accounts Reinsertion under the Fair Credit Reporting Act ( FCRA ) means that a credit bureau has started to again report inaccurate information that was previously disputed by a consumer and removed or suppressed by a credit bureau XXXX XXXX XXXX, and TransUnion, and others from the consumer 's credit file. It's XXXX XXXXXXXX {$1000.00} per violation
Consumer complaint received 2017-08-30
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (KS)

I started the process to sell the home in XX/XX/XXXX, a divorce from my husband occurred XX/XX/XXXX and the house was put on the market immediately. After 6 months it would not sell so I moved out and bought another home and my ex-husband moved in. The court ordered him to pay the first mortgage ( XXXX ) and I was to pay the second ( Nationstar, now XXXX XXXX ). In XX/XX/XXXX my ex-husband left the state and stopped paying the first mortgage. The house was put on the market and finally had a buyer XX/XX/XXXX. The buyer came up to XXXX  and is buying the house well above market value for the neighborhood. XXXX  offered XXXX XXXX XXXX and I offered them another XXXX ( I am currently unemployed ) but XXXX XXXX wants XXXX per their private investors. My credit has been destroyed by this situation so I am unable to get a loan for that amount. These banks are not working together but created a situation where my credit is completely ruined. I should say that I paid 6 % interest ( XXXX ) ( 4 % Nationstar ) for over 10 yrs and never missed a payment so they made their money off of me. I only stopped paying Nationstar when I lost my job ( over taking a second job to pay these bills, second job also ended ). So now the house is going to foreclosure instead of a short sale. I had been paying XXXX a month in utilities and other home expenses because I was told it would not go to foreclosure and that a short sale would be possible. I spent over 30K in getting the house in shape to even get a short sale at the best possible value.
Consumer complaint received 2023-10-18
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX**** Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX**** Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-13
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. (WA)

I have contacted XXXX 6 times to delete inaccurate reports on my credit report, so far they have not yet sent any information regarding this fraudulent claim they are reporting. I have sent them certified mail asking for debt verification with no response. I have also called them several times letting them know they are reporting inaccurate reports that I'm entitled to payment of XXXX per occurrence. " XXXX ''
Consumer complaint received 2017-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (TX)

After looking up our escrow analysis performed by Nationstar on XXXX XXXX, XXXX, we noticed a refund due to us in the amount of {$1700.00}. 
The escrow refund check is dated XXXX/XXXX/XXXX. 
XXXX/XXXX/XXXX Called Nationstar to request check. Spoke with XXXX, she sent request and we were told we would receive check by mail. XXXX confirmed mailing address. 

XXXX/XXXX/XXXX Called Nationstar to request check. Spoke with XXXX, she apologized that previous representative did not put in request for check. They will research if check has been cashed and send out a new one to us by mail. XXXX apologized that nothing had been taken care of and confirmed the mailing address. 

XXXX/XXXX/XXXX Called Nationstar, spoke with XXXX, she saw our calls logged in our account on the computer on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. She will research if the check was sent to us and assured us it would be taken care of. 

XXXX/XXXX/XXXX Called Nationstar, spoke with Sue in the XXXX escrow office, she noticed on the computer that the check was not entered back into our account. She updated the system and she assured us we would be receiving check in XXXX business days. 

XXXX/XXXX/XXXX Called Nationstar, spoke with XXXX, he looked for check in computer. He said he would put a research request out to see what happened to the check. We said, " NO, that 's not good enough, we need someone that can help us now, this is the 5th time someone has put in a 'research request ' ''! XXXX said, " Ok, hold on ''. 
Supervisor XXXX came to the line and offered to direct deposit our check. 
XXXX instructed us to include our loan # and send a voided personal check to : XXXXXXXXXXXX We let XXXX know that we have been dealing with Nationstar 's criminal activity for over 6 YEARS now and that he could look at our account and see all that has happened. 
XXXX apologized that we have a bad taste in our mouth with Nationstar. 
Emailed voided personal check including loan # to XXXX on XXXX/XXXX/XXXX. 

Due to a family emergency in XXXX, we were unable to follow up. 

We received a letter from Nationstar dated XXXX XXXX, XXXX that our insurance had expired. We called immediately and left voicemail that all of the information was the same as last year that they have on file. 

XXXX/XXXX/XXXX Called Nationstar, spoke with XXXX, she said that they called our insurance company and left a message requesting updated insurance information. 
We replied that this was not good enough, it is Nationstar 's job to pay the insurance bill from our escrow account. 
We asked XXXX to call our insurance company while we were on the line. 
XXXX spoke with XXXX at our insurance co. and XXXX said she would overnight our insurance payment. While I was on the line I confirmed all information the same and updated between Nationstar and home insurance. 

We confirmed insurance was paid by Nationstar from our escrow account. 

XXXX/XXXX/XXXX We have still not received refund from escrow account due to us.
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

XXXX reports 1 late payment. I wish to have it removed or taken away. Ive never missed a payment. 
I have been on SS XXXX since 2019 There are derogatory accounts as well since they cancelled my student loans.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One says I owe for a credit card that was open to an address that I never even lived at I never took out or had a Capital One card this isn't even my address where it was taken out please have Capital One delete this from my XXXX and XXXX credit reports
Consumer complaint received 2023-08-06
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. (GA)

I request the credit report agency to investigate the false collection. They reported back to me stating that it's accurate. I did thorough research, and this account is inaccurate. 
Collection Agency XXXX XXXX XXXX Account Number XXXX XXXX Original Amount Owed {$590.00} XXXX XXXX XXXX or XXXX XXXX In accordance with the fair credit report act XXXXXXXX Account XXXX, has violated my rights. 
15 U.S. Code 1681- Congressional findings and Statement of purpose. It also states a consumer reporting agency can not furnish account without my written instruction.

I attached the response from Equifax credit report agency ; regarding the investigations I requested from them.