davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar DBA Mr Cooper is the servicing bank : has held homeowner in extending processing, and not evaluating documents properly. Homeowner has submitted the RMA requesting modification. Homeowner has been denied by the service'r since XX/XX/XXXX to current XX/XX/XXXX : XX/XX/XXXX. Homeowner is formally appealing the denial based on errors in home value, income, DTI and LTV Loan to Values used by the services in the denial of the RMA application. The service'r has recently denied an RMA application on XX/XX/XXXX. The reason was that all document were not sent in within the required timelines. 

The homeowner is allowed to reapply for a new modification based on recent Nationstar/Mr.Copper mortgage violations and sanctions via the DOJ/Federal Trade Commission after 12 months of current payments. 

I sent in all required documents as required within the timelines. Servicers agent assistant contacted me requesting additional information : which I sent in immediately. Three days later I receive a letter stating the I was rejected a modification due to not sending documents time : This is nonsense, I was never given any timeline requirements by written form or verbal deadlines in any discussions by the Nationstat/Mr.Cooper. 

My servicer Denied any association with Nationstar during my application : and was brought to attention of my assigned SPOC XXXX The servicer ' is discriminating against homeowner claims, in a form of reverse discrimination ; holding the mortgage in extended processing, denying a loan modification while homeowner is qualified, lost documents when homeowner has already provided.. 

This homeowner, feels that her case has been unfairly treated for the following reasons : 1. No active single point of contact, constantly changing, when calls made to the single point of contact, routine routed to the collection department, never the same contact person. 2. A Single  point of contact was assigned ; calls were made to the point of contact : the calls were never returned by the contact. Calls returned were from the collection department and never the same so called : " relationship manager ''. 3. The service'r has held the homeowner in extended process in bad faith, during which the value of property has c for 26 months from XX/XX/XXXX to XX/XX/XXXX. 4. On the most recent RMA application : all requested documents were provided as requested within 30 days. Homeowner has confirmation via fax that documents were received by the service 5. Homeowner has made numerous calls ( 20 )  inquiring on status of application, calls were routed to next available agent, comments were : A ) wrongfully advised that documents were not submitted, or B ) documents were submitted, or C ) resubmit documents because d, or D ) Homeowner was not provided a NPV Net Present Value Report to approve or deny the RMA application.
Consumer complaint received 2023-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

I have made the following payments and keep getting reversed for no reason despite having sufficient money in bank account. I tried calling and the average time is about XXXX hours. Its is very difficult to get in contact because they do not respond to emails. I am now in delinquency because of this. 

XX/XX/2023 Payment Reversal {$250.00} Show more information XX/XX/2023 Payment - {$250.00} Show more information XX/XX/2023 Payment Reversal {$250.00} Show more information XX/XX/2023 Payment - {$250.00} Show more information XX/XX/2023 Payment Reversal {$150.00} Show more information XX/XX/2023 Payment - {$150.00}
Consumer complaint received 2023-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NY)

I scheduled a payment of {$60.00} towards my student loan on XX/XX/XXXX with Edfinancial. I received a payment confirmation e-mail. On XX/XX/XXXX, that amount was debited from my checkings account. I logged on to the edfinancial website where there is no record of my payment. Usually when it's being processed it shows up as pending payment. There's no record or indication anywhere of my payment but they took the money out of my account.
Consumer complaint received 2023-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (GA)

I have been trying for XXXX to contact Edfinacial in regards to my student loans. I cant access my statement documents on my portal. I have called and nobody ever picks up the phone. The email channel doesnt work to get in contact with them either.
Consumer complaint received 2024-03-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

a fraudulent rental lease was opened under my name, according to the experian account it was in XX/XX/2024 and there is a collection debt of {$3600.00}, ive never owned or applied for any type of apartment ever, i have a house and im not sure who was behind this fraudulent rental lease but it really hurt my credit score
Consumer complaint received 2020-07-29
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (CA)

Hello. American Express ( Amex ) charged me for an XXXX transaction that happened in XX/XX/2020. XXXX essentially tried to scam me for services I did not use and I have provided Amex a XXXX page report with evidence. Instead of reviewing the evidence Amex told me regardless of the terms XXXX presents and regardless of if they violate the terms- Amex will side with XXXX or the Merchant. Multiple agents acknowledged this was unfair via chat and said that they can not get involved. I asked them why they claim to look out for customers when they can't push back on XXXX for unfair business practices and got no response. In fact, a XXXX point blank told me merchants are very important to them. 

Originally Amex left my claim open for 2 months and then closed it immediately saying I agreed to terms and conditions when I paid. I responded with - but XXXX tried to price gauge the day of service. Amex made me submit XXXX pages of evidence, did not follow up, told me it's more or less futile due to XXXX 's terms, and barely bothered to read my evidence or stand up for the consumer. If Amex believes that merchants are always right then they need to stop making false claims of any form of protection. They can't even tell me an expected resolution date other than another 2 months - if XXXX decides to respond. 

I was a paying Amex card holder and am disappointed that consumers are being mislead that Amex will protect agains subpar service, in this case harassment and being ignored during resolution with XXXX. 

When I do a XXXX search- it seems many other customers have had the same problems with both American Express and XXXX.
Consumer complaint received 2021-10-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc. (FL)

I was having problems balancing my checking acct. at XXXX XXXXXXXX XXXX. 
I went to XXXX XXXXXXXX XXXX for help. the XXXX XXXX XXXX finance audit team, investigated my checking acct. 
that investigation, resulted in GM fin. received two [ 2 ] checks from me. only posted one [ 1 ] to my acct. at GM fin. 

both of my checks were $ XXXX.the XXXX XXXX XXXXXXXX team , that found the fraudulent {$380.00} charge, advised me, not to make up for the {$380.00} they took from my checking acct. but did not post to my acct. at GM fin. 

I currently am receiving, 6 to 8 phone calls from GM fin. phone # XXXX. 
any asst. that your agency might render, would be appreciated. 

thanking you in advance XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have a public record of XXXX backruptcy that was never done I tryed to fix it with credit report agencys and they have not removed it I filed wrong paperwork to save my car from repossession but Ive lost car and I should not have to suffer XXXX years on my credit report for a bankruptcy filed erroneous I even talked to bankruptcy court they said they didnt report it please take this from my record it shouldnt be there my XXXX Im a XXXXXXXX XXXX and I need good credit please fix this and remove from all three credit bureaus thank you
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2018-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I originally took this 30 year mortgage out with XXXX in XXXX. In XXXX XXXX recommended I refinance the balance at a lower interest rate and use their Bi-weekly Advantage Plan whereby I made the equivalent of two extra principal payments per year. This plan, administered by XXXX XXXX XXXX, would pay my mortgage off seven years earlier than the 30 years contracted. We took advantage of this plan starting in XXXX of XXXX. Last year XXXX turned our mortgage over to Mr. Cooper. And a few months ago XXXX informed us they would no longer administer the Bi-weekly plan and we would have to arrange a payment plan directly with Mr. Cooper. So I now have almost 6 years of extra payments on this mortgage through a plan that is no longer available. I have been trying to get an Amortization Statement from Mr. Cooper that will reflect my past payments, including the additional payments made, as well as what future payments remain and the settlement date. Obviously I want this information to insure I am getting full credit for the advance payments weve made. I expected this statement would be readily available. But after spending hours on the Mr. Cooper website and another hour with their customer service people, I was told I could only get this information by a special request to their research department. I have made that request as instructed via e-mail and advised them that the lack of this information is holding up the completion of a financial analysis by my accountant and to please expedite this report. But I have not gotten a response of any kind, nor have a gotten a response to my follow up e-mail asking for the status of my request.
Consumer complaint received 2023-05-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (MD)

Affirm, stated and promised that they will never charge late fees or interest for any loan purchases made and completely paid for within the loan period of at least six months. 

All of my loans with Affirm are paid and I kept in touch with Affirm letting them know that I would make final payments on all loans before the end of XX/XX/2023. The representative assured me that will be ok. 

Affirm, reported all of my loans as delinquent. I am requesting that Affirm removes the delinquent accounts from my credit report and remove my files with Affirm.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Without fail, I've maintained timely payments on this account, avoiding any instances of overdue payments. I'm uncertain about the rationale behind the inclusion of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, necessary corrections are warranted.
Consumer complaint received 2018-06-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (GA)

Several transfers were made and we ended up with Nationstar Mortgage company. Spouse passed away suddenly XX/XX/XXXX and I continued to pay the mortgage installments until the property was sold in XXXX. The sale price was based on the monthly online statement received. There were also several advertisements offering to refinance the loan. The amount outstanding on those offers matched the online statements. It was not until the sales contract was prepared that another {$4900.00} ( deferred interest ) was tacked on. Because of this add-on, I had practically no " gain '' from the sale of the property. I believe this is unfair because it should have been included on everything I had received or viewed from Nationstar during the 2 year period I was paying the note.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I had a personal, student, loan with XXXX which was XXXX in bankruptcy in XXXX. Between XX/XX/XXXX and XX/XX/XXXX, XXXX has reported this account delinquent on payments 180 days plus with the credit bureaus which has significantly decreased my credit score and prevented me from getting an apartment.
Consumer complaint received 2023-06-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc. (OH)

XXXX XXXX rate is outrageous and is more than the 28.59 % the said to be. 

I borrowed {$25000.00} of which they kept {$2000.00} immediately CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX ANNUAL PERCENTAGE RATE They say is 28.59 % FINANCE CHARGE The dollar amount the credit will cost me is {$20000.00} for borrowing {$23000.00} ( they kept {$2000.00} of the original {$25000.00} ) Total payments 59 totaling {$43000.00} = OUTRAGEOUS! 

{$25000.00} -- -- -- -- -- -- Borrowed on XX/XX/XXXX {$23000.00} -- -- -- -- -- -- -- -Received 28.59 % -- -- -- -- -- -- - My interest rate {$720.00} -- -- -- -- -- -- -- Monthly payment To date I have paid 15 payments of XXXX totaling XXXX which of only {$5300.00} is paid toward principal. This is a 5 year loan ending XX/XX/XXXX XXXX
Consumer complaint received 2024-03-18
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. (NY)

XXXX XXXX
XXXX XXXX XXXX

LOCATION INFORMATION: XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT #XXXX


DEAR XXXX XXXX XXXX,

THIS IS ABOUT THE CONSUMER CREDIT TRANSACTION INITIATED ON 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.

THE PROVISIONS OF 15 USC 6801(A) REQUIRE FINANCIAL INSTITUTIONS TO NOTIFY CONSUMERS OF THEIR INFORMATION SHARING PRACTICES AND PROVIDE FOR A RIGHT TO OPT OUT OF CERTAIN SHARING. 

IN THE ABOVE MENTIONED CONSUMER CREDIT TRANSACTION, WITHOUT GIVING ME THE OPPORTUNITY TO OPT-OUT, YOUR INSTITUTION FURNISHED MY NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES( I.E EXPERIAN, XXXX & XXXX  )

ACCORDING TO 15 USC 6809(4)(A), THE TERM  NONPUBLIC PERSONAL INFORMATION MEANS PERSONALLY IDENTIFIABLE INFORMATION-

(I) PROVIDED BY A CONSUMER TO A FINANCIAL INSTITUTION;
(ii) RESULTING FROM ANY TRANSACTION WITH THE CONSUMER OR ANY SERVICE PERFORMED FOR THE CONSUMER;OR
(iii) OTHERWISE OBTAINED BY THE FINANCIAL INSTITUTION

FURTHER, PURSUANT TO 15 USC 6809(5) THE TERM NONAFFILIATED THIRD PARTY MEANS ANY ENTITY THAT IS NOT AN AFFILIATE OF OR RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL WITH THE FINANCIAL INSTITUTION BUT DOES NOT INCLUDE A JOINT EMPLOYEE OF SUCH INSTITUTION.

THEREFORE, AS PER THE LITERAL INTERPRETATION, THE ORGANIZATION NAMED XXXX, XXXX AND EXPERIAN ARE NONAFFILIATED THIRD PARTIES AND YOUR INSTITUTION HAS VIOLATED THE PROVISIONS OF 15 USC 6802.

IN CASE YOUR COMPANY ADMITS THAT THE ORGANIZATION NAMED; XXXX, XXXX & EXPERIAN IS AFFILIATED, IT HAS STILL VIOLATED THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT.

PURSUANT TO 15 USC 1681A (D)(2)(ii), THE CONSUMER REPORT WILL NOT INCLUDE ANY INFORMATION COMMUNICATED AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL.

FURTHER, 15 USC 1681A (D)(2)(A)(ii) STATES THAT IF THE COMPANY WANTS TO COMMUNICATE OTHER INFORMATION AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL, IT SHALL BE CLEARLY AND CONSPICUOUSLY DISCLOSED TO THE CONSUMER THAT THE INFORMATION MAYBE COMMUNICATED AMOUNG SUCH PERSONS AND THE CONSUMER SHALL BE GIVEN THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMOUNG SUCH PERSONS.

THEREFORE, YOUR COMPANY HAS NOT ONLY INFRINGED MY RIGHT TO PRIVACY BUT ALSO VIOLATED MULTIPLE FEDERAL LAWS.

I HEREBY DEMAND YOU TO REMOVE THE BELOW MENTIONED INFORMATION FROM MY CREDIT REPORT;

1. XXXX XXXX XXXX XXXX

IF YOU ACCEPT MY REQUEST, I WILL NOT ESCALATE THIS MATTER TO A FEDERAL COMPLAINT.

THANK YOU FOR YOUR ATTENTION TO THIS MATTER.

SINCERELY, XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-03-18
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. (OR)

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.

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 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have tried getting ahold of all three credit companies, and I've gotten nothing back. The fraud alert should have been taken off a long time ago. It's to the point where literally no one can verify my identity online at all. And there is things on my credit report that I have disputed multiple times and nothing has been taken care of.
Consumer complaint received 2020-07-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (OH)

XXXX XXXX Credit card paid off on XX/XX/XXXX. Was taking out loan with XXXX XXXX XXXX and this debt had to be paid in order to get loan. Therefore the amount of XXXX was paid to resolve this outstanding debt. Unfortunately a Midland Funding approx XX/XX/XXXX rcvd. Account records sold to them This is where the  injustice bean!!! I have attempted to reach them throughout the years to no avail. Now I find out reason is it was turned over to XXXX XXXX XXXX ( yes I just spoke with them ). And then on XX/XX/XXXX got court order frl. XXXX XXXX XXXX. To appear in court. I have been paying XXXX a month to XXXX for 2 yrs. I now found printed evidence from XXXX XXXX that this debt was paid!!! I made copy and sent certified mail! They say isn't enough proof! I have contacted all involved and they pass the buck. XXXX was.not even aware of XXXX XXXX. Therefore Midland Funding was not even one ta! ing me to coudt.
Consumer complaint received 2023-06-07
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 XXXX XXXX XXXX