davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I enrolled in Forbearance plan with the loan servicer below, and they reported it to credit agency as account under Forbearance. They denied me credit, so I couldnt close on my house. I need help to get this removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX & XXXX
Consumer complaint received 2022-09-16
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-04-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (WI)

I am currently in a furlough due to Covid-19, and while Federally owned loans are furloughed interest free by the Cares Act, Navient refuses to do the same because the Cares Act didn't say they had to. What this means is someone like me who has loans both federally owned and Navient owned, I have to recertify my Income repayment plan for half my loans now and still pay accrue interest on a XXXX payment as I am unemployed due to the coronavirus and do not know when I will be going back. It seems backwards if not outright hurtful to borrowers to make them go through channels to get payments put off when they insist on collecting during this national disaster.
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

XX/XX/XXXX I requested a new balance transfer with a new credit card. I requested a certain amount and received an email confirmation. XX/XX/2020 I went online and discovered a second balance transfer was submitted for exactly the amount that would max out the credit line. when I spoke to hsbc bank, they claimed 1, it was a bank error. then they claimed it was my error. then they claimed it was fraud. The original balance transfer had all my bank info that they could tell me and then the unauthorized charge was blank with no information. Six reps could not assist me. This is clearly internal fraud.
Consumer complaint received 2022-09-16
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i have several accounts that the credit bureaus have not properly investigated. for example, there is an account that shows under my name ( XXXX XXXX ), however, this does not belong to me as the address that appears on their account is an address that i have never lived at. since this is reporting incorrectly, i believe the other negative remarks that are reporting are incorrect as well. since they have failed to properly investigate this, how am i to know that the other accounts are reporting accurate? all three credit bureaus have failed to properly investigate what i've been asking from them since XXXX of last year!
Consumer complaint received 2020-04-15
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

EDFINANCIAL XXXX {$2000.00} XXXX  XXXX XXXX {$480.00} XXXX  XXXX {$300.00} XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX {$590.00} XXXX  XXXX {$840.00}
Consumer complaint received 2020-04-15
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: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

US DEPT OF EDXXXX XXXX {$930.00} XXXX XXXX {$3800.00} XXXX  XXXX {$470.00} XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$290.00} XXXX XXXX {$4000.00} XXXX  XXXX {$270.00} XXXX  XXXX {$2300.00} XXXX  XXXX {$4500.00} XXXX XXXX XXXX {$750.00}
Consumer complaint received 2020-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

US DEPT OF EDXXXX XXXX {$930.00} XXXX XXXX {$3800.00} XXXX  XXXX {$470.00} XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$290.00} XXXX XXXX {$4000.00} XXXX  XXXX {$270.00} XXXX XXXX {$2300.00} XXXX  XXXX {$4500.00} XXXX XXXX XXXX {$750.00}
Consumer complaint received 2020-04-15
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. (NJ)

I have been locked out of my online retirement accounts with XXXX XXXX. I called to get an access code, was put on hold a very long time and then told to answer a lot of information that was irrelevant to me. First I was asked about cars I may have rented at any point in any number of decades. I travel often and it is absurd to expect me to remember what cars I may have rented for 10, 20. 30 or  so years. Next I was asked about " my brother, XXXX XXXX '' who, I was told, was showing up on my credit report. Nothing like this should be on my credit report. To protect my own credit report and privacy, I should not be required to comment, confirm or deny, anything about any alleged brother ; if such a brother existed, neither should I even be asked about him, to protect his own privacy, credit report, etc., if I had a brother with this name. I argued with XXXX XXXX about the crapp it requires people to answer in order to allow them to get into their own accounts. They ignored me. Eventually, I hung up. 

The CFPB needs to get serious about protecting people 's privacy, instead of violating it for reasons such as this. 

It also needs to sanction XXXX XXXX for locking me out of my account because I don't know what garbage it wants to cram down my throat on any particular occasion. Why are consumers bearing the bulk of business risks for the likes of XXXX XXXX and others?
Consumer complaint received 2020-04-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

I am selling my house. I applied for assistance under the HAMP Govt assistance program. Nationstar ( d/b/a ) Mr. Cooper accepted my application through NACA. One of the companies hired by the Govt to  calculate the numbers and provide details of the program. Mr. Cooper transferred {$260000.00} from XXXX XXXX XXXX which was the unpaid principal balance of the account. I was less than {$18000.00} in arrears at the time. Mr. Cooper recorded {$280000.00}. I assumed without explanation this was the amount in arrears. They then added another {$18000.00} to my account. which is now {$290000.00}. they then added {$100000.00} to the account. I brought this to the attention of the coordinator, she said that the {$100000.00} was because I had a bankruptcy filing and that was a Lender Paid Expense. I tried to explain that I have never had a Bankruptcy filing in my life. She said that if there an error in reporting it would be corrected and I should sign the agreement as this project had a deadline. so I signed it. under the guidelines of the HAMP program the {$100000.00} should have been subtracted from the transferred amount of {$260000.00} and the difference of {$150000.00} should have been the amount that my payments were based on. they did not subtract it but added to the current UPB of {$260000.00} as payoff amount.
Consumer complaint received 2020-04-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLIANT CREDIT UNION (MN)

I'm in the process of refinancing my exsisting home loan. I've been involved in the process for over a month now. I paid {$500.00} ( on XX/XX/XXXX ) in full for my appraisal. Then my mortgage company came back to me to collect {$300.00} more. So I have TWO issues with Alliant Credit Union -- # 1 that they are charging me more money for an appraisal than what a basic appraisal costs. ( I know this as Ive spoken to the Appraisal company -- XXXX XXXX, XXXX ) # 2. Alliant Credit Union is requiring an " inside '' appraisal. This should not have to be done for a refinance -- especially for an exsisting loan. AND especially due to the circumstances surrounding the COVID-19 crisis. There are alternative ways to complete the refinance process that does not involve an " inside '' inspection that would jeopardize the health and safety of my family. I've talked with XXXX XXXX. Who has guidelines published on their website and Selling guides of appraisal exceptions that need to be made. I've been told that a " drive-by '' ( exterior only ) and/or a desktop appraisal can be done. I've also been told that there is a process titled DRDC -- Directed Remote Data Collection -- which is a process by which an inspection can be completed remotely by an appraiser who guides the homeowner through the inspection aided by video conferencing technology. Again, these are all suitable methods that the Lender - Alliant Credit Union can do to respect the state and federal mandates of " shelter in place '' and social distancing. I can not have someone come into my home. I, my daughter, my spouse and my XXXX years old mother ( who's immune system is compromised ) lives with me. We can not take any  changes of being exposed to this deadly virus. I have clients who have already died from this virus and it should not be taken lightly. I need help here to have my Lender find an alternative way to complete my refinance without having an outside individual in my home. Thank you
Consumer complaint received 2020-08-04
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: Experian Information Solutions Inc. (CA)

I AM A VICTIM OF AN IDENTITY THEFT, AND I HAVE BEEN TRYING FOR MONTHS TO HAVE THE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT. I HAVE FILLED MY IDENTITY THEFT REPORT, POLICE REPORT AND I HAVE BEEN IN CONTACT WITH THE CREDITORS SENDING THEM MY PERSONAL IDENTIFICATION ALONG WITH STATEMENTS BY ME CONFIRMING THAT HTESE ACCOUNTS WERE OPENED WITHOUT MY CONSENT, THE CHARGES ARE FRAUDULENT, THE PAYMENTS ARE FRAUDULENT, THESE ACCOUNTS ARE NOT MINE. I HAVE ALSO SEND MY IDENTITY THEFT REORT TO EXPERIAN, TO REMOVE/BLOCK THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. AT THIS POINT NOT SUE WAHT ADDITIONAL INFORMATION I NEED TO GIVE THEM TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2020-04-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (FL)

I purchased my property in XX/XX/XXXX. The bank that was financing the property was Home Point Financial. In XX/XX/XXXX, I decided to refinance the property and made the closing on XX/XX/XXXX. For some miscommunication between the XXXX XXXX and Home Point Financial, the wire transfer with the pay off amount was not submitted on time, they said because it was sent with a different amount. It was not my fault, I called and spoke to them several times. The supervisors even assured me that they were going to remove that from my credit report because they had already reported me. I trusted in them, now when I check my report, it is still there. There is serious delinquency in my credit report. I opened a dispute with XXXX  Credit Bureau yesterday, they contacted me today with the result. They communicated with Home Point Financial and they said that the information is accurate. It will remain in my credit report. It has affected me financially, that's insane! It was not my fault the miscommunication between them and the XXXX XXXX " XXXX XXXX XXXX XXXX ''.
Consumer complaint received 2020-06-15
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. (MA)

TransUnion is reporting a missed payment for XXXX XXXX in XX/XX/2018. I did not have and account with XXXX XXXX in XX/XX/2018. Therefore I could not have missed a payment with a company that I did not have and account with in XX/XX/2018.
Consumer complaint received 2020-04-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a fraud concern on my Transunion report. I've attempted to contact Transunion, via the website numerous times and was suddenly locked out due to fraud concerns. There was a message to call Transunion. On XX/XX/2020, I called and waited on hold for 1hr and 20 mins. I could not wait any longer. On XX/XX/2020 I called 4 times. Three of the times I waited 25-45 mins and could not wait any more. The 4th time, I waited 1 hr and 11 mins. The lady who answered asked my Social Security number, and then put me on hold, 3 mins later she asked me my social again and again put me on hold. After 5 mins she answered again and asked my social again and then I was put on hold. Then she asked my name and put me on hold, and then came back and again asked my name, and then put me on hold ( During this I could hear all the other agents having conversations with the person they were on the other line with ). 
She came back and asked my name again and then my address, she was extremely rude. After 30 mins of this and getting no where, I asked to speak to a supervisor and she did not respond, rather I was send back to where I started in line to speak to an agent. Which meant I had to wait for a minimum of another hour. I'm in tears because there is fraud and I have no way of reaching anyone. This is not something that protects consumers.
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/2020 I called Capital One at XXXX and requested to speak with an account manager. XXXX I.D. # XXXX   identified herself. I explained to her, very kindly and politely, that the school that my wife worked for was closed due to the COVID-19 government mandatory Stay at Home order and therefore her income was severed and basically ended. Because of this, her credit card payment was short. Capital One charged her an interest fee of {$35.00}. I kindly requested if they would please waive the interest due to the fact that my wife 's hands were basically tied because of no fault of her own. XXXX answered unmercifully - NO Capital One will not waive interest due to COVID-19. XXXX stated very clearly to me that Capital One 's policy when it comes to the pandemic is absolutely no interest forgiveness. I explained to XXXX that it was not fair for Capital One to be playing hardball at this time because in actuality the bank was taking advantage of the situation of people having zero income and yet the bank still charging the high-interest rates. The truth is that in all honesty, the original terms of the credit card agreement should be null and void because at the time of the original agreement there was no such thing as COVID-19 and the Stay-Home-Order and therefore nobody could have foreseen this coming.
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

I have made numerous attempts to contact CitiBank via telephone and chat. The phone system notifies me it is inundated, try back again at another time and disconnects. 
I can not log into my account through CitiBanks " Too Big to Fail '' Website.

I can not access customer service via CitiBanks " Too Big to Fail '' Website Chat. 
I am directly affected by California XXXX 's stay at home order and have been unable to work for a month now. I must defer my payments to CitiBank and Congress has allocated my taxpayer monies to facilitate this. Yet conveniently Citibank is simply refusing to interface with customers most likely because they are deliberately inadequately staffed to maximize their already obscene profits and generate additional monies from fees and late payments. 
I have made every effort to contact CitiBank prior to the due date of my payment to set up deferment.
Consumer complaint received 2020-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources (VA)

The collection company, First Point Resources, has yet to show proof that I did NOT pay an alleged to debt to XXXX  XXXX XXXX. They've only showed a bill. There's nothing to show that I did NOT pay the bill. They just choose to tarnish my credit worthiness without proof and taking the word of their money hungry client XXXX  XXXX XXXX.
Consumer complaint received 2022-01-26
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. (CT)

I see things may be inaccurate. Start looking at the high balance. I believe this information may be inaccurate. This needs to be removed now. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$73000.00} ;
Consumer complaint received 2020-08-04
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: NAVY FEDERAL CREDIT UNION (CA)

I AM A VICTIM OF AN IDENTITY THEFT, AND I HAVE BEEN TRYING FOR MONTHS TO HAVE THE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT. I HAVE FILLED MY IDENTITY THEFT REPORT, POLICE REPORT AND I HAVE BEEN IN CONTACT WITH THE CREDITORS SENDING THEM MY PERSONAL IDENTIFICATION ALONG WITH STATEMENTS BY ME CONFIRMING THAT HTESE ACCOUNTS WERE OPENED WITHOUT MY CONSENT, THE CHARGES ARE FRAUDULENT, THE PAYMENTS ARE FRAUDULENT, THESE ACCOUNTS ARE NOT MINE. I HAVE ALSO SEND MY IDENTITY THEFT REORT TO XXXX, TO REMOVE/BLOCK THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. AT THIS POINT NOT SUE WAHT ADDITIONAL INFORMATION I NEED TO GIVE THEM TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2023-06-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (IL)

On XX/XX/2023, I submitted a payment of {$1900.00} as my outstanding balance on the loan is {$1900.00}. I called the company on XX/XX/2023 at approx. XXXX to move the payment to principle only. I was told on the call, the payment had been submitted and the payment would be moved to principle. I called again on XX/XX/2023, approx. XXXX to check on why the payment was not reflecting as being applied to principle. I was told there was an error and the payment was not able to be move to principle after being on hold for over XXXX XXXX. I was then told I would need to wait an additional XXXX XXXX for the funds to be available on the account and to call back in to make the request again. I stated this was not my error and the company needs to apply the funds per my request. I'm trying to get my loan paid off and the company is charging me interest all of these days due to the company 's error. I was told I would need to make the request when the funds are available. 

Please review the below documentation, the company did not apply the payment correctly before I had called either.