davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-23
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have been paying for 10 years interest only on a XXXX and XXXX loan.  After a divorce I was able to purchase my current home, but was put into these interest only loans.  After 10 years on paying, XXXX notes on time and never late...they XXXX have changed from interest only - principle and interest only.  My XXXX loan is at a good interest 2.625% which I'm able to make along with the association fee.  My XXXX is the problem at an 8.875% interest, was paying XXXX and has jumped to XXXX XXXX my payment effective XX/XX/XXXX.  I cannot make this payment.  I have tried to ask for help with my XXXX mortgage directly, but they will not help in re-financing the XXXX loan only.  I don't qualify to re-fi the XXXX loans because I have no equity on my home.  I asked the XXXX mortgage if they would consider a principle reduction or forgiveness and they said NO.  For the past 10 years I have paid them responsibly and never been late or ever missed a payment, and now they will not help in any way, shape, or form.  I'm dis-trout in considering short sale and losing my home and having to walk away with nothing.  More so my credit which I have worked my entire life in maintaining an excellent credit and is effecting me to know that my credit will be damaged if I proceed with the short sale.  I have called and have exhausted all avenues to get someone to help me, but no one can.  That is my current situation.  Thank you very much for your attention to this matter!!
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

Because of recent data breaches relating to XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, I don't know about XXXX XXXX XXXX XXXX XXXX ; I wanted to put a credit report freeze with the three main credit reporting companies.I was able to do this easily with XXXX and XXXX, but not Equifax. 

I was not able to set up an account online with replies like " Try again Later '' or " Call our support line '. I went through lengthy message Q & A via a computerized menu, giving SSN, address, etc... Then, I would hit a menu with questions about financial activity and the responses I would give by voice or keypad did not register and I could go no further. I can not reach a customer service representative. They said they would send a verification code via snail mail. It took over a week to arrive. The code did not work, but an email came shortly after this saying my account was activated. I can not sign in, getting the " try again later '' or call the number with the menus to nowhere. 
Finally, I emailed the customer.care@equifax.com address that was only to be found on this letter that had the verification code on it that didn't work. 
This company has MY sensitive data, but there is no reasonable way to contact them. 

Please, I am desperate and just want to do a simple credit report freeze.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (FL)

I closed my American Express ( AmEx ) Platinum card account earlier this year because American Express had failed to deliver on its promise to giving points for a stay at a luxury hotel even though they'd stated multiple times they would. I then later decided to reinstate my account to which they say I could not do that and had to start a full new application ( a process wherein they'd re-check my qualifications/credit from scratch again ) which I was a bit surprised about especially since I've been a member of AmEx in one or another for over 20 years. So I took the hit on my credit again during their re-application process and they stated at the time and repeatedly during follow up conversations with their agents on the phone that because this was a new application that I'd get new membership welcome reward points if I spend a certain amount by a certain date. I got accepted for a new card and proceeded to spend as much as possible on my card ( and was checking periodically along the way with AmEx agents who kept on confirming that I was closer and closer to the goal of getting my welcome reward points ). After reaching the target for getting the signing bonus points, XXXX changed their mind and stated that the signing points bonus were now supposedly only meant for 'brand new ' applicants which they had never never talked about before! I found that reversal both sad, disturbing, and frankly dishonest, especially because multiple AmEx agents had confirmed I'd get those points if I kept on spending and reaching the stated goal. Please also note that my new card does not have the same number as the old one I had so for all intent and purposes I'm a new applicant even from their perspective! As you can tell by my story it's the second time AmEx does not fulfill its part of the deal for a card that's marketed primarily as a reward-type card and for which I pay over {$690.00} a year in membership fee!! Additionally, when I closed my prior card/account I never got the points that were left on that old account but for some reason they don't consider these old points mine and didn't give them back when I open a new card -even though they pretend that I'm not a 'new " applicant. Quite contradictory as you can tell. Thanks in advance for your help and assistance.
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (ME)

XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/XXXX Citizens XXXX XXXX Citizens XXXX XXXX, RI XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Promotional Offer Demand Letter One Deposit Checking XXXX To Whom it May Concern : On XX/XX/XXXX, I applied online for a YourStyle Checking at Investors Bank in response to a promotional offer to earn {$25.00} per month for 10 months. Investors Banks was subsequently acquired by Citizens Bank and my YourStyle Checking was converted to a XXXX Deposit Checking. I met all offer terms but have not received my final payment of {$25.00}. 

Now, I respectfully demand that Citizens Bank pay the outstanding bonus of {$25.00} and close the XXXX Deposit Checking. 

Otherwise, this matter will proceed to trial with all costs and fees taxed to Citizens Bank. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-05-15
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. (GA)

Some tried to open a credit card account in my name with XXXX back on XXXX 2023. I don't recognize this. I didn't authorize it either. 
XXXX Hard inquiry ( XX/XX/2023 )
Consumer complaint received 2024-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

Select Portfolio Servicing took over my loan in XXXX, XXXX, but boarded the loan incorrectly. After about 4 months of phone calls, and with the CFPB 's help, they finally got the loan re-boarded, but did not initially pick up the insurance payment portion of their responsibility ( only the tax side ). When my insurance company notified me that the insurance was about to lapse, I called SPS to find out why they had not paid. They indicated that they were unaware of the insurance obligation, so I told them I would pay directly. They told me to provide them with evidence of my payment, which I did. Within a couple of days, they issued another payment to XXXX in the amount of {$29000.00}, despite our agreement that they would not. They told me to call XXXX to tell them to refuse the payment. XXXX said that they had not yet received the payment. I have been trying ever since to get my {$29000.00} back. I have spent many hours on the phone with SPS, and in our last conversation, they told me to call XXXX to get my refund. Today, XXXX told me that they did finally get the payment, but a stop-pay was issued on the check. I call SPS back to let them know, and after XXXX different rep 's they finally acknowledged that they did stop payment at which point I asked them where my {$29000.00} was. They transferred me to the insurance department, but the call was dropped in the process. I called back and another rep told me she think 's I'm owed money, but to check back in a week. I've had enough. SPS has dropped the ball on this loan in so many ways, and I probably have XXXX hours of phone calls invested over 8 months between the errors boarding my loan to present. I need help.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I am currently trying to buy a house and I realized I had damages on my credit report According to 15 U.S.C 1681 Law there should not be any damages on my current credit report, this is a defamation to my character
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Company closed in XXXX or XXXX therefore closed all its accounts. I understand still being responsible for payments but how can they change the payment status when the account is technically closed to report payment history after the fact. If the company closed in XXXX and closed the accounts the reporting shouldve stopped also. I find that to be an unethical and deceptive practice.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: GOLDMAN SACHS BANK USA (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXXXXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OH)

Nelnet has been holding my student loans out of the PSLF program since at least XX/XX/year>, possibly longer. I had loans through a different loan servicer that were consolidated and sent into PSLF within 3 months but nelnet is still holding my qualifying loans after almost a year. I've submitted my request to transfer my loans into PSLF with Nelnet multiple times and have received zero answers as to why the process is being delayed. The typical transfer time for these loans into PSLF is 60-90 days. It's apparent Nelnet is deliberately delaying this transfer process.
Consumer complaint received 2023-07-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CREDIT ACCEPTANCE CORPORATION (NY)

XX/XX/XXXX Re : Credit Acceptance Violations of FCRA, Usuary and Truth in Lending Laws To Whom It May Concern : I am writing regarding my Auto Loan Account with Credit Acceptance Corporation. This lender has violated the Truth in Lending, Usuary Laws and has been reporting inaccurately on my account that displays on my credit report which violates FCRA Regulations. 
I financed a XXXX XXXX XXXX in XX/XX/XXXX. The initial balance financed was {$23000.00}. 
The current balance now as of XX/XX/XXXX is {$22000.00}. Next month will be a year since Ive been paying on the loan and my total balance has only been reduced by {$1200.00}. 
For starters, Credit Acceptance has violated XXXX Usuary Laws by charging me over 16 % in interest for this loan. My rate is at 19.99 % annum. This is predatory lending. 
They gave me an option to make payments bi-monthly on the XXXX of each month and the XXXX of each month based on when I got paid when I signed the contract but still continue to charge me late fees each month after the XXXX of the month. Why set up this arrangement if late fees will be incurred. Even though, I have made several full payments within 30 days, they report my account 30-60 days late because of late fees. 
This lender does not look out for the best interest of the customer. 
Furthermore, 12 CFR Part 1026 - Truth in Lending ( Regulation Z ) has been violated which states in Subpart C : ( 3 ) Subpart C relates to closed-end credit. It contains rules on disclosures, treatment of credit balances, annual percentage rate calculations, rescission requirements, and advertising.

Credit Acceptance is telling me that my current pay-off is good through XX/XX/XXXX is {$22000.00} but is not fully disclosing how they came to this pay-off amount based on the payments Ive made for almost a year. This is a violation of Regulation Z pertaining to installment loans and closed-end credit. I called Credit Acceptance on XX/XX/XXXX after receiving a payment history statement. The representative assured that everything was correct and there were no violations. I noticed that my initial balance on the statement had been {$39000.00}. This is the total balance I would pay after 66 months but I am being charged the full interest and priciple combined. 
I am requesting that my account be reviewed and that this situation be rectified within 30-days according to FCRA regulations. I have attached, a payment history and my initial contract for this vehicle. 
Respectfully, XXXX XXXX Cc : Credit Acceptance Corporation
Consumer complaint received 2024-04-26
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. (CA)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED NAMES ALONG WITH ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AR)

On XX/XX/year>, I sent this company a letter about some errors on my credit report, but it's been over 30 days, and I still haven't received any response from the company. I was informed that they may be violating the FCRA law for not complying. Please take a look at this matter, as those errors on my credit need to be cleared as soon as possible.
Consumer complaint received 2024-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NY)

On XX/XX/24 I called Midland Credit management and settled 2 accounts, on behalf of my husband ) in the amount of {$500.00} and {$300.00}, after making payment directly with them that day and confirming payment was processed, I requested and was told a Settled in full letter would be sent confirming we have resolved these 2 accounts. Instead of receiving settled in full letter on XX/XX/24 I received 3 letters from Midland indicating payment still required on both accounts for the date in which payment was made, XX/XX/24, with attached return envelope for payments ( which almost could imply that I defaulted on agreed payment ). They send me one letter for the {$500.00} Settled account stating that payment due, and 2 letters for the account I settled for {$300.00} stating payment due. I spoke to a representative at Midland on XX/XX/24, asking why these were sent and he advised it was in error, but either I believe was a violation. He did advise that the settled letter was generated on XX/XX/24 ( still not received by us ), but as this was the first time I ever contacted them for them to generate this letter and place " in care of myself '' seems like a potential violation, as again these accounts were resolved and they were quick to send collection letter to my address with not just my husbands name, but my name, as well, on the envelope.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account XXXX : XXXX XXXX  Account XXXX : XXXX
Consumer complaint received 2020-02-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc. (TN)

Ive loaded {$100.00} on my Cash App Account and was Just Told Me Account Has Been Closed But I Was Told From XXXX  That The Funds Were Loaded Onto My Card Ending In XXXX. This happened on XX/XX/2020 Ive Been Trying To Reach Cash App Support But They Keep Telling Me My Account Is Closed I Just Need Help Retreving Those Funds .The authorities has been contacted due to the scam
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the fair credit ace act number XXXX XXXX Acct # XXXX Has violated my rights 15 usc 1666 b timing of payments a crefitor may not treat any payment on as late for any purpose please delete immediatly
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Maximus Federal Services, Inc. (TX)

In XXXX of XXXX  I had a credit score of XXXX. During that same month I refinanced my student loan from XXXX to The Department of Education. The loan amount owed to XXXX was XXXX and the new loan with The Department of Education was also XXXX. 

Once loan companies changed my credit score dropped drastically over XXXX points. I had no late payments as I pay timely, I keep my credit usage less than 20 % and my balances are all under 50 % or less. So, if the loan amounts were the same, why would my credit score drop XXXX points. 

I have reached out to each bureau for answers however ; I get no response. I think something is not right and would like it corrected or an explanation of why the drastic change when no amounts changed. 

Any help will be greatly appreciated. 

Thanks! 

XXXX
Consumer complaint received 2024-04-26
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. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.