davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

I have had issues with Navient in the past. They have been charging interest/fees ect. that I was told I would not have to pay as a part of the COVID stimulus. But, that is not my issue right now. My employer issued a check for {$5200.00} in an attempt to pay part of my student loan. That check was cashed almost immediately but not applied to my account. When I questioned it ( Case # XXXX XXXX they stated that I sent the check to the wrong address and gave me a different payment address to send it to. That address specifically states on their website that it is for inquiry only. Over a month after the initial payment was cashed, my employer received a check back and reissued the payment to the address I was given. Now it has been over a month since the re-issue and still the payment has not been applied to my account. Since I am on the accounting team at my place of employment, I could look up that the check cleared the bank on XX/XX/XXXX. It is now XX/XX/XXXX and it has not been applied properly. I now have nearly 4 months worth of late fees and interest that I should not have had to pay. I am at my wits end on what to do.
Consumer complaint received 2021-06-30
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (WI)

I applied and was approved for a VA home loan with Veterans United Home Loans, and Im currently in the middle of a chapter XXXX bankruptcy but I met all the requirements of the VA and VU. Then a day or so later, I had a conversation with my loan XXXX about why I wanted to move from the XXXX and aside from employer giving me a promotion requiring me to move, I stated that I wanted to get to a more diverse area, as it pertains to race relations. 
A few days later, my loan XXXX questioned me about a clerical error on two payments in XXXX 2020. The attorney handling my case gave me a incorrect payment amount which was off by {$10.00}. The error was caught two months later and the monies were paid i.e. {$20.00} immediately to bring the plan current. 
The lender said because of that, they couldn't proceed with giving me a loan because of the VA guidelines. I contacted the law firm and they advised me that the attorney that made the error is no longer employed there, but they were willing to draft a letter explaining that the error was no fault of mine. The lender refused to acknowledge the mistake from the law firm. I then contacted the VA regional loan center and gave them all documentation and after their review, they determined that the mistake wasn't mine, and they would guarantee the loan. Said lender still refuses to grant me said loan. This is a time sensitive matter because my employer has offered me a promotion requiring me to relocate to XXXX ; hence the home loan need. I have to report to XXXX by labor day.
Consumer complaint received 2015-10-22
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One is reporting inaccurate information on my credit report as to late payments from a credit card I had with them which is negatively effecting my credit. I have tried to dispute via the credit agencies in which Capital One is ignoring. I even contacted Capital One but they advised they sold the account and no longer have control of it. This is for a credit card that had a credit limit of {$300.00} and was opened in XX/XX/2011.
Consumer complaint received 2021-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HOPE BANCORP, INC. (WA)

Last summer I took advantage of an offer from the Bank of Hope to suspend payments for 3 months due to challenges related to COVID. Per the signed agreement with Bank of Hope I did not pay for XXXX, XXXX and XXXX of XXXX. In XXXX, I began to pay double payments. I paid double payments for XXXX, XXXX and XXXX per my agreement with XXXX XXXX to ensure that by the time the XXXX payment was made, the account was current. 

In late XX/XX/XXXX I realised that Bank of Hope thought that I had missed a monthly payment. I began to interact with XXXX XXXX and XXXX XXXX in their loan servicing department. XXXX XXXX commented on the phone that because of the COVID repayments he thought one of my double payments had been misallocated. I have an e-mail from XXXX dated XX/XX/XXXX where she says she opened up a ticket with the research department to have this sorted out. On the phone several times she said that the reversals of my late charges would be made and that the account would be brought up to current. I asked for a print out of how all of my charges to date had been applied to the account which she never sent. 

The next payment coupon and the next after that continued to show that I was a month late on payments. XXXX XXXX also opened up a ticket and I again asked for a print out of how all of my charges to date had been applied and sent e-mails detailing the records of my payments which I made via the Bank of Hope 's online system asking for them to point out where I had missed the payment. I never got a final response from XXXX. 

After several calls and e-mails through XXXX and early XXXX, I connected with XXXX XXXX who was able to show me a spreadsheet of exactly how my payments had been allocated and that he agreed with me that my account was actually current. He said he was in the process of creating the reversals. Unfortunately, Bank of Hope transferred servicing of my loan to XXXX before those reversals could be made and XXXX are now showing that I am one month late on my mortgage payments. I have made repeated calls to XXXX but I am not able to connect them with XXXX XXXX and in spite of promises to " raise a research ticket '' it's been 2 weeks and nothing has happened. 

I spoke today with the XXXX mortgage service team who acknowledged that no ticket has been opened up in spite of my repeated requests to have someone on the XXXX side engage directly with Bank of Hope. The supervisor I spoke with said that their process did not allow for that to happen and that she would raise a ticket with research. I asked why that hadn't happened already and got no definitive response, only apologies.
Consumer complaint received 2021-06-30
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: EQUIFAX, INC. (TX)

I receive a second letter from Equifax stating they can not find me in there system. However I pulled my report today doesn't allow me to dispute anything .It want my personal identity which I refuse to send
Consumer complaint received 2021-06-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MI)

I was in forbearance under the CARES act due to COVID 19 with my original lender ( XXXXXXXX XXXX ). I received a letter dated XX/XX/XXXX about a VA trial plan offer. I started making trial payments with my original lender XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX. The trial payment amount agreed to with XXXX XXXX was in the amount of XXXX, and my interest rate was staying the same at 2.875 % under the modified terms. My maturity date was moved from XX/XX/XXXX to XX/XX/XXXX as a result of them " tacking the balance onto the end of the mortgage '' After I made my first trial payment, my loan was sold to my current servicer ( ( Lakeview Loan Servicing ) XXXX ) effective XX/XX/XXXX. I contacted them several times throughout the month of XXXX attempting to make a trial payment for XXXX, but was told I could not repeatedly due to my mortgage being " in review ''. I was told not to worry since I was within a 60 day grace period, and the underwriters were waiting on and reviewing information sent to them from XXXXe Bank. 

I have attempted throughout all of XXXX and XXXX on at least 5 occasions to pay my mortgage trial payments, but have been rebuffed at every turn. 

I was informed earlier this week by XXXX that my interest rate would be increasing to 3.5 %, and my new payment would be somewhere around {$2100.00} a month. I was not aware a credit report was run against me without my knowledge, but was informed that is what I qualified for due to my credit. 

On XXXX and XXXX I asked for any documents from this decision to be given, but was told that I'll get them eventually and I can either turn it down or accept the modification Turning it down means paying the owed balance of $ XXXX, which I don't currently have. 

I also asked if XXXX was aware of my previous trial payment plan with XXXXXXXX XXXX, and they did not offer any acknowledgement. 

I can not leave this lender without paying $ XXXX, or making my on-time trial payments. They have removed my ability to successfully make my trial payments, and are attempting to increase my interest rate arbitrarily.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I contacted collection agency bringing errors to their attention. XXXX accounts with XXXX XXXX, XXXX with XXXX XXXX, and XXXX and XXXX. Information was retracted. EQUIFAX moved the accounts from Collections so that they appear to removed ; but, placed the account under XXXX XXXX XXXX XXXX to maintain erroneous damage to my credit.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

This account was charged off on the following date XXXX of XXXX. It is also being reported and stated the last payment made on this account was XX/XX/XXXX but the account was in good standing XX/XX/XXXX. This account is also being updated as a charged off on my report as if the account is still open and reporting a balance of {$1500.00} when the account should be XXXX due to the account being a charged off account. All the information on this account which is inaccurate and a violation According to XXXX XXXX XXXX XXXX, XXXX, EQUIFAX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX EQUIFAX : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX : Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, 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. (TX)

Hello I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.
Consumer complaint received 2021-06-30
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (CA)

Mortgage loan was in forbearance. I was told repeatedly by company personnel that there would be no negative credit reporting if the forbearance was satisfied by XX/XX/2021. I actually wrote a letter requesting an extension for 45 days. The extension was given until XX/XX/2021 via letter from XXXX XXXX, Customer Relations Specialist. I subsequently paid off the forbearance in full on XX/XX/2021. 
On XX/XX/2021 the company reported to the credit bureaus that I was delinquent over 180 days, the entire sum of the forbearance was delinquent and I had a loan modification!! In addition the principal balance of the loan was in error. 
It dropped my credit score XXXX points overnight!!!
Consumer complaint received 2021-12-20
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: EQUIFAX, INC. (CA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2016-06-06
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I had numerous accounts with Capital one and have paid them all. There is one that is not mine showing on my credit reports. I have submitted my documentation on numerous occasions to resolve this matter and they keep sending me the same letter stating send documentation. This is not my account and I want it removed from my credit reports asap.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

not mine : fcra violations : see attachments for proof XXXX XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX SINGLE FAMILY Select a Reason XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY
Consumer complaint received 2021-06-30
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AmeriCollect (FL)

On XX/XX/2021, I received a letter from Americollect. I had previously asked them to validate a debt they were collecting on. The letter stated that they have received, verified, & validated with the credit bureau ( s ) and responded to me. They said my dispute has been deemed frivolous or irrelevant and there will not be an additional investigation on the matter. I have not received any other correspondence from Americollect prior to this one.
Consumer complaint received 2021-06-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Placement Services, LLC (IL)

I attempted to have the reporting bureau verify the debt on XX/XX/XXXX. I attempted to have the furnisher validate the debt on XX/XX/XXXX. Neither parties have provided any type of verification/validation of this debt. 

I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties.
Consumer complaint received 2021-07-01
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: EQUIFAX, INC. (CA)

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction ) on your behalf will result in a small claims action against your company.

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2021-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (VA)

I refinanced the mortgage with XXXX XXXX. 

They initially placed my mortgage loan to the servicer calledXXXX XXXX XXXXXXXX XXXX. 

My mortgage was then later bought by XXXX XXXX and my loan servicer became Home Point Financial. There was one mortgage payment I made on XX/XX/XXXX to XXXX  XXXX XXXX. My mortgage was then fully transferred to the Home Point Financial on XX/XX/XXXX. 

I could not see the payment I made with XXXX XXXXXXXX XXXX reflected with the Home Point financial. I contacted XXXX XXXXXXXX XXXX via phone call yesterday, XX/XX/XXXX. They Said my loan information was sent to the Home Point financial. I contacted the Home Point via phone call. The representative told me to send an email to their inbox with the payment history. I sent them the attachment as requested. I got the response today telling me to contact the previous servicer. 

I feel like there is nothing I can do when I contact both loan servicers. This is very stressful for me to locate the payment while both loan servicers are pushing me to other side.
Consumer complaint received 2021-06-30
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

I am very angry. I applied for and received a Citibank Best Buy card because I knew that I was going to be making a large purchase and was drawn in by the 10 % offer on my first purchase with that card. I made the $ XXXX purchase on XX/XX/2021, XXXX # XXXX, but was only given 5 % off. I thought that was just a website glitch, so I went ahead and placed the order, but when I called in, I was told that the XXXX products I bought were not included in that offer. 

I went back and looked at the Terms and Conditions with the card and there was NOTHING said about exclusions! Nor is there anything to click elsewhere on the website in order to see any restrictions on the 10 % off. How dare they make that offer then just decide not to honor it on certain items without telling the customer! 

I have wanted to support brick and mortar stores, but not if they are going to cheat me!
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

I have been disputing accounts with the bureaus for a long time and have not received any results from the bureaus. It has been over a year and my credit looks exactly the same. No inaccurate items have been received, this is ridiculous. I will attach the most recent letters but there have been many previous to this.
Consumer complaint received 2021-06-30
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. (AZ)

FRAUDULENT COLLECTION ACCOUNT ON MY CREDIT REPORT I HAVE CONTACTED XXXX  AND XXXX AND EXPERIAN XXXX XXXXXXXX XXXX  Balance updated XX/XX/2021 Account number XXXX I DO NOT OWE ANY MONEY TO XXXX XXXX OR TO XXXXXXXX XXXX
Consumer complaint received 2021-07-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc. (IA)

As of today, I have received 4 strikes against my credit by TekCollect Inc, and yet have never received a notice that I owed anything to them. I have never received an email, letter, or to my knowledge a phone call ( unless they are number spoofing ) about any debt owed to them or any debt owed to other that they have acquired and are attempting to collect. 

I attempted to call them, and their number answering service for people trying to reach them about debt collection automatically indicates that the caller can not contact that number and then disconnects the call. I have no way to leave a message or to reach an agent to resolve the situation. 

I also believe that the use of aggressive and abusive credit strikes rather than contacting the person they are trying to collect against is a violation of consumer protections. I have received a strike on XX/XX/XXXX, XXXX, and XXXX of XXXX, again with no prior contact and no way to contact them to remedy the situation.