davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am frustrated because I am being taken advantage of by this credit bureau. I have filed a dispute of inaccurate information that is reporting. I am being disregarded and the inaccurate information is resulting in new credit denials.
Consumer complaint received 2023-04-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc. (MO)

On XX/XX/2023 I paid off the balance of a loan at Tower Loan XXXX XXXX, MO. 
Earlier I had paid {$1400.00} leaving a balance of about {$32.00} and some change. Since I couldn't afford to pay it off I waited about a month to pay off the final balance. 
When I entered the office stating I would pay off the balance it had morphed into over {$100.00}. While complaining about this the manager told me the interest was {$2.00} per day. 
I asked why the agent who took the {$1400.00} didn't tell me about this, the manager told me the agent had been fired. 
I paid the {$100.00} plus and advised I would never do business with them again, file complaints against Tower Loan and inform others of the almost usurious actions of the company The manager stated she hated to lose me as a customer. I took her comment almost as an insult. 
I would not mind if they had charged me a rate whereby I would repay about half the balance they stated I owed. After all I borrowed their money but {$2.00} per day interest is outrageous.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC (FL)

Shortly after opening a Checking Account at XXXX XXXX XXXX, I was informed that the account was being closed due to information provided by Early Warning. I was unaware about the fraudulent information contained in the Early Warning reporting system until I obtained a copy of my credit report. 

Bank Account, XXXX XXXX XXXX Account XXXX XXXX Transaction Account # XXXX XXXX Amt Reported By : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Reported By : XX/XX/2022 XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX Check XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID : XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

On or about XX/XX/XXXX, we contacted the Equifax Commercial Disclosures Department ( or " Equifax '' ) and filed a formal dispute to correct the dates that our 3 active XXXX XXXX service accounts were opened. We specifically informed Equifax that the correct opening date for all 3 XXXX XXXX service accounts should be XX/XX/XXXX and that XXXX XXXX is reporting inaccurate account opening dates on our credit report. Equifax attempted to contact XXXX XXXX but did not receive a response from XXXX. Accordingly, the inaccurate date opening dates XXXX XXXX is reporting on our Equifax credit report is deemed " unverified '' or invalid under the Fair Credit Report Act and must be corrected by Equifax immediately. However, on XX/XX/XXXX when our Attorney emailed Equifax and informed Equifax of their duties under the Fair Credit Report Act to immediately correct the inaccurate XXXX XXXX account opening dates on our credit report, Equifax did not respond back to our Attorney 's email and, to date, Equifax also has not corrected the inaccurate account opening dates on our credit report for our XXXX XXXX service accounts.
Consumer complaint received 2024-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (KS)

I am required to pay my homeowner 's insurance through my escrow, per my mortgage agreement. My loan has been sold twice since I purchased my house. I am now with LoanCare. I have always had XXXX ( XXXX ) for homeowner 's insurance, with the same policy number- {$2200.00} was due XXXX. LoanCare took this amount out of my escrow account & Homesite says I owe Payment.

Everytime I call Loancare it is over 10 minutes in robot selections, and my call frequently gets dropped, and that is before I ever get the option to speak to a person. This is abysmal customer service for an agency holding my mortgage. My online inquiries get 1 sentence answers that do not resolve my problems and offer no solutions. 

Homesite goes above and beyond to attempt to remedy the problem, including conferencing in the LoanCare call ( on XX/XX/XXXX, XXXX stayed on the line for 12 minutes while we tried to go through the LoanCare phone menu, only to have the call dropped again ) XX/XX/XXXX When I spoke to both agencies, Loancare says the check cleared and XXXX says they have not received payment. 

XX/XX/XXXX They state they did fax a copy of the cleared check to XXXX, again when I spoke to homesite they said they have not received this. 

I bought secondary homeowners insurance to ensure I stay covered but I am still missing {$2200.00} that was taken out of escrow and Loancare can not locate and Is extremely rude about attempting to remedy.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (GA)

Over a year ago, I requested assistance from Apple Card Services due to financial hardship, asking for a freeze or reduction in my interest rate. Despite making partial payments to the best of my ability, the high interest rates made it difficult to keep up, and my account was reported as XXXX  days delinquent. I also attempted to close the account or reduce the credit limit, but these requests were denied, leading to further financial strain. I am disputing the delinquency on my recent credit report and seeking a fair resolution, including the removal of the negative mark and a more manageable payment plan.
Consumer complaint received 2024-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

I have previously applied for direct consolidation with the department of Education and to have my loans serviced by XXXX. My student loans are currently being held hostage by Navient and I no longer want them as my servicer. I have 16 years of payment history I will lose without the direct consolidation according to the new SAVE plan thats available. I have received the response back multiple times that my direct loan consolidation has been denied due to code XXXX XXXX or XXXX. I am neither dead nor XXXX and have spent multiple hours of my time trying to get this corrected. 

XXXX has informed me that Navient uses code XXXX Dead or XXXX to hold FFELP loans hostage and refusing to release them for direct consolidation for any loans with an open claim. I have an open claim for Borrowers Defense since XXXX that was approved in part of the XXXX XXXX XXXX lawsuit. Navient has not discharged the student loans that are part of this lawsuit, to date. They were instructed to discharge them back in XX/XX/XXXX but to date still have failed to do so. So Navient is refusing to follow the court ordered discharge and refusing to release my loans to another servicer. My loans are literally being held hostage by Navient.
Consumer complaint received 2023-11-15
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)

I am writing to delete the following information in my file. The XXXX  XXXX Account And XXXX  XXXX XXXX XXXX I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

My entire credit reports has multiple fraudulent transactions that are not supposed to be included on my credit report which is causing me actual damages and causeing me to get denied everything i apply for let alone i never gave any written consent too experian equifax for XXXX to report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX any transactions or anything on my credit report relating to thoes companies which also caused damages to me and public humiliation to my credit standings also has no lawful right to do so or impact my credit worthiness. Also I received a inquiries but never received anythings from the companies so unlawful reporting on my credit without giving the consumer anything in return
Consumer complaint received 2024-05-15
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. (PA)

In accordance to the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, Has violated my rights. 

15 U.S.C 1682 section XXXX A. States I have the right to privacy 15 U.S.C 1682 section XXXX A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-19
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)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-02-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TapTap Send Inc. (MA)

i had one account with " '' taptap send. " ", and i was using normally. when i told my wife to create one account there too. 
but something has did wrong, they dont gave explain for my wife, only suspended her account, when she called to ask about, they only say : we cant do anything, your account has suspend and you never can open account again with us. that's set! 

well, my wife was need money in her account in another country, i said for her : dont worry, i will send to you, because my account work fine. 
when i put her information from another country, and tried to send the money, " '' taptap send '' '' with no explain, just suspended my account too. 
when you call for suport or help, they only can say, i cant to do anything, you cannt open one account with us again, never! 

if you ask why, they dont has one " '' explain "... 

has start with my wife, blocking her. 
and then blocking me after. 

they dont try find the error or the problem, they dont try ask the custumer about more information, before suspend. and dont send any email or message or call, to explain why.
Consumer complaint received 2024-07-31
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: Freedom Mortgage Company (FL)

I made my mortgage payment in XXXX, but that same month my husband had an accident falling off the roof. To stay ahead of the situation, I requested hardship assistance on XX/XX/XXXX. Unfortunately, I never received the form. Despite making numerous calls and sending an email to the CEO with the loss mitigation team copied, I did not receive any response or assistance. 

I made a total of 12 calls between XXXX and XXXX and also reached out to the CEO, yet no one was able to provide the necessary form. The form was finally sent to me in XXXX. 

I believe that appropriate measures could have been taken to address this delay and ensure my request was processed in a timely manner. XXXX XXXX, the XXXX XXXX Escalation Specialist, acknowledged that the delay was due to a system outage and apologized but did not offer a solution.

The delay and lack of action resulted in misreporting on my mortgage account, causing significant stress and negatively impacting my credit score.

I understand that while we await approval from the loss mitigation team, Freedom Mortgage will still need to report my account as late. However, I want to emphasize that I requested hardship assistance in XXXX, yet I only received the necessary documents in XXXX. 

Had I received the forms on time, I would have been approved for a program that could have prevented the late payment from being reported, as I would have been approved before reaching the 30-day late payment mark.
Consumer complaint received 2023-06-07
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. (OH)

The XXXX XXXX XXXX with your financial institution executed by way of signing an agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, Experian, and XXXX. The provisions of 15 USC 6801 ( a ) state it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given XXXX XXXX, consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information I was not informed. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearly states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In the above mentioned XXXX XXXX XXXX, without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to non-affiliated third parties ( i.e XXXX, XXXX, and Experian ). With that said, your company has not only infringed my right to privacy, but also violated multiple Federal Laws. I hereby request you remove the below-mentioned information from my Consumer Report : XXXX XXXXXXXX If you accept my request, I will not escalate this matter to a Federal complaint. Thank you for your attention to this matter.
Consumer complaint received 2024-05-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (WA)

On XX/XX/year>, the Consolidation process of my XXXX original loans was finalized, and my new servicer ( XXXX ) received my new Consolidation Loan with an original principal that matched the value of the 6 original loans. However, my old servicer ( Aidvantage ) somehow managed to get a fake consolidation loan ( literally named " Description not Found '' on my account history page of their internal system ) disbursed to Advantage in my name, with an original principal that was far above the total value of the original 6 loans that had been consolidated. Advantage then claimed that it transferred the fake consolidation loan ( with the name " Description not Found '' ) to XXXX XXXX weeks later ( XX/XX/year> ) even though records from both XXXX and the Department of Education dispute that claim. After contacting the Department of Education 's Federal Student Aid ( FSA ) Complaint Office, my case has been deliberately ignored for 6 months and continues to be ignored to this day, and no disciplinary action has been taken against Aidvantage for their fraudulent activities against me. The number of the FSA Complaints Office case that I filed is XXXX. The lack of action by the FSA Complaints Office on this case, and their refusal to escalate my case to the FSA Ombudsman, causes me to believe that the FSA Complaints Office is covering for Advantage and protecting them from being held accountable.
Consumer complaint received 2024-07-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services (FL)

XX/XX/year> was date of denial I contacted the XXXXcedes Benz finance services department and was told that they have nothing to do with the approval or not but they sent a email stating they wasn't able to pre approve me when I referenced 15 USC 1611, 15 USC 1691a ( b ) discrimination is a crime violation of truth in lending act is a crime given false information also is a crime and the dealership said that the finance company which is Mercedes Benz finance services asked for down payment which is violation of 15 USC 1605 no comparable cash transaction necessary when finance charge is present
Consumer complaint received 2024-08-19
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. (PA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-09-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/year> i attempted to open a chase bank checking account with proceeds from a USDA treasury check in amount of {$75000.00}. Were told funds would not be available until XX/XX/year>. Chase account was closed on XX/XX/year> because u.s. treasury check could not be verified as legitimate. My check has been held up since XX/XX/year> and chase does not want to release back to me. Personal Bank & Agents name ( s ) are : XXXX XXXXXXXX XXXX XXXX XXXX Morgan Chase Bank XXXX XXXX XXXX XXXX XXXX. On XX/XX/year> i've submitted this case to the XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Awaiting response from them as of XX/XX/scrub>XXXX
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc. (GA)

I purchased a virtual gift card from vanilla gift card. The card did not work at any merchant. I informed the merchant and they kept saying it's good to go. After many attempts I ask for money to be refunded. By the start of XXXX I was now ask to wait 3 weeks for a check refund. 
At first I was told it was issued XX/XX/XXXX, then XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
What I discovered is those dates matches with the dates that I called. 
Overall they are giving dates based on when I called so obviously the check is not being issued.
Consumer complaint received 2024-07-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

XXXX, You have stated your bound under the FCRA specifically laws under XXXX to ensure maximum possible accuracy under law. However in this letter provided you stated you sold all rights of this account to XXXX Collections. How are you able to verify maximum possible accuracy to the credit reporting agencies if all rights of the debt was sold off to XXXX Collections? If all property rights of the debt is now under XXXX Collections? XXXX and XXXX have stated that XXXX provided verifiable documents that the accounts are verified and accurate. Please provide what documents you provided to the credit reporting agencies as you also stated all rights and property was sold off to XXXX Collections.
Consumer complaint received 2024-06-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (SC)

Navy Federal credit Union continue on taking drafts from my credit card account to end a fraudulent dispute brought by XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX XXXX  I made a complaint a month ago about this maybe federal credit union refunded my money, then turn around to withdraw it and told me that they sign and with XXXX XXXX XXXX XXXX XXXX even though the transaction clearly states that XXXX XXXX will pay for this car rental XXXX starting to believe the staff at Navy Federal. Credit Union is doing this because of my XXXX race harassing me for no reason at all, but the XXXX of my skin. They already denied me for a loan in the past for no reason, but my race, even though my credit was not bad Navy Federal credit Union continue on with this harassment Ive been nothing but respectful to Navy, credit union and staff recent transaction XX/XX/XXXX as well as XX/XX/2024 I will be calling XXXX XXXX police check fraud unit on Navy Federal credit Union, as well as XXXX XXXX XXXX XXXX XXXX XXXX. Navy Federal is responsible for this at this time. Thats why they will be named as a suspect and this crime of fraud. This is worse when you can clearly see XXXX XXXX agreed to pay XXXX percent for the car rental, Navy Federal XXXX allows this type of behavior to go on just XXXX their ratings XXXX female clearly states Navy Federal does not side with the customers when it comes to fraud and I agree 100 % with her Navy Federal is a institution. Navy Federal is a XXXX institution. Navy Federal credit union is a XXXX institution. I try not to say it, but I see it now because its happening to me. Enterprise car rental did receive their vehicle back on return date of Monday, XX/XX/20XXXX XXXX XXXX XXXX according to this written contract yes, Navy Federal credit Union does XXXX  when it comes to their lending practices