davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

I don't understand how this company can get away with stealing my home and nobody seems to care. I spent everyday for 5yrs trying to figure out how to save my home while this company repeatedly tried to forclose without really knowing how or why they wouldn't even acknowledge me or my ownership of the property and home. 
According to my copy of the paperwork the by far breached their original agreement yet nothing could be done without a lawyer??? They knew I couldn't afford counsel as I had requested hardship packets and tried repeatedly to enlist the help of " Keep Your Home California. '' Finally they went ahead and foreclosed and I lost my home, property, and the easement I owned ( when the loan was actually only for the mobile on the Already Paid For Property ) After complaining several times to CFPB they finally decided to try to pay me off by offering me {$15000.00} to withdraw my complaint. 
Homeless and desperate I agreed to take {$25000.00} if they could get it to me within 30 days so I wouldn't be homeless anymore and they agreed. Needless to say they took at least that 30 days to write up the agreement which was then mailed to me to sign and mailed back, but again they defaulted on that 30 day agreement making the loss of my home and the degree of suffering they had impossed on me that much worse and now they think they can just walk away from this incredible injustice? 
For starters I don't even believe they had a right to claim any lein on my home!!! I don't believe they had correct paperwork, and think they were lying about the amount they said I owed. I believe that when my mother in law passed away they created forged paperwork which they convinced my companion were real, and when he passed away they just took my home as the original loan was for {$50000.00} in XX/XX/XXXXand in XX/XX/XXXX ( 12yrs later ) they claimed I still owed {$42000.00}??? 
The way this company treated me and the amount of stress and sorrow they made me endure is beyond reasonable and I don't believe they should get away with it!!! They have ruined my life and taken everything that meant anything to me all for money and it's unexceptable that this can go on without ever even having to acknowledge they've done anything wrong!!! 
I believe these people knew exactly what they were doing the whole time and yet nothing could be done about it because I couldn't afford legal council??? It should unconstitutional to let company 's do whatever they want, treat people however they want to, and take everything they can from anyone they want simply because they have more money ... Or because we don't have the money to defend ourselves!!!
Consumer complaint received 2019-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (MD)

Opened an account with TD bank and I noticed i was been charged a service fee of {$10.00} that i shouldn't have been charged. i notified td and they told me they were going to fix it, This was 3 three years ago. I have called several time to get this issue resolved and they say the same thing we are going to fix it. I went to the branch in XXXX and they lady told me to go to the branch that i opened the account, that she can't do anything. i called to file a complaint and the lady on the phone placed me on old and hanged up. I finally got to speak to XXXX on XX/XX/2019 at XXXX and she said its not the banks fault and that she couldn't do anything about crediting me back my fees but she was going to fix it and get back to me. I told her that that was what the last person i spoke to said in XX/XX/XXXX of this year. it was funny when she told me that she was the one i spoke to back in XX/XX/XXXX, and she was not sure why the issue was not fixed, and that she will look into it.
Consumer complaint received 2021-12-16
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: EQUIFAX, INC. (OR)

Four and a half years ago in the summer of 2017 I applied for a master 's in finance program at XXXX XXXX  XXXX & XXXX. I was told I couldn't start the program because I hadn't finished some prerequisites. A week before school started I was informed that I was actually going to be allowed into the program. I signed up for classes and signed up for financial aid where I was then informed I could not receive financial aid because I had not finished those prereqs and I wasn't fully accepted into the program. I then dropped out of the program that week because I had no way to pay for it. They charged me a 20 % fee even though I never attended a class and I dropped the classes one week after being admitted into the program and immediately after finding out I wouldn't receive financial aid, thereby I would have no way to pay for school. 

Eventually this ended up on my credit report where I was then able to dispute it and it was removed due to these circumstances. They have since sold that debt to another company and again 3 years later it shows up on my report. I've tried disputing it again saying what happened and saying it's already been removed, but I can not get it removed again for some reason. This is unfair being on my credit which otherwise is very good. And is very disheartening because I've tried very hard to keep my credit strong. Please help me remove this from my credit reports. Thank you.
Consumer complaint received 2016-07-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (CA)

In XXXX I paid off my mortgage. I am in the process of refinancing and the loan # XXXX is still showing up on my credit report. On XXXX/XXXX/16 I sent an email to Freedom Mortgage to get this resolved ASAP. I can not get any resolution to this, I called today and they sent me a copy of the goodbye letter that it was transferred to XXXX. I specifically asked for a letter or statement showing that this is a zero balance. No on is assisting me, nor have I received anything that they are working on this issue. I checked online and my loan is still showing active.
Consumer complaint received 2015-04-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION (NY)

Made a bank to bank transfer due to insufficient funds so that I would not be charged with an overdraft fee. I called to let them know the transfer wont make it on time and she said to call back once the transaction is listed in the history so that they can waive the fee. I call back once the transfer appears on the history and the representative on the phone say 's theres no way for me to have the overdraft fee waived. At this point I am not upset about the fee but at the fact that the XXXX representative told me specifically to wait until it shows up on my card history of the bank transfer so that they can waive the fee. At this point, me waiting for the fee to show up, had costed me an additional overdraft fee which Is now unnecessary additional money I had to pay out of my pocket. I am upset that each individual representative that i spoke to over the phone denies any liabilities when it comes to what they say. It is a reflection of a dishonest company where each representative does not want to take responsibility for what has been said. I will soon close my account with M & T bank soon due to their lack of diligence in this matter and their obvious greed to generate revenues from overdraft fees.
Consumer complaint received 2021-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Four and a half years ago in the summer of 2017 I applied for a master 's in finance program at XXXX XXXX  XXXX & XXXX. I was told I couldn't start the program because I hadn't finished some prerequisites. A week before school started I was informed that I was actually going to be allowed into the program. I signed up for classes and signed up for financial aid where I was then informed I could not receive financial aid because I had not finished those prereqs and I wasn't fully accepted into the program. I then dropped out of the program that week because I had no way to pay for it. They charged me a 20 % fee even though I never attended a class and I dropped the classes one week after being admitted into the program and immediately after finding out I wouldn't receive financial aid, thereby I would have no way to pay for school. 

Eventually this ended up on my credit report where I was then able to dispute it and it was removed due to these circumstances. They have since sold that debt to another company and again 3 years later it shows up on my report. I've tried disputing it again saying what happened and saying it's already been removed, but I can not get it removed again for some reason. This is unfair being on my credit which otherwise is very good. And is very disheartening because I've tried very hard to keep my credit strong. Please help me remove this from my credit reports. Thank you.
Consumer complaint received 2019-11-25
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: SYNCHRONY FINANCIAL (TX)

I took a look at my credit report today and noticed a few inquiries that were made that were not made by me. I took a look at all the companies and it seems they are all credit card companies and have not applied for any credit card companies myself and would like them to be removed because I was in the process of looking into what I needed to do to increase my credit score. I recently got married and have a child XXXX XXXX XXXXXXXX  We are looking to purchase a house and this is holding us back. Thank you!!
Consumer complaint received 2018-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (GA)

On XX/XX/2018 I received a letter from XXXX stating that I need to recertify for XXXX XXXX XXXX XXXX ( XXXX ) by XX/XX/2018 or else my monthly payment would increase from {$970.00} to the standard payment amount of {$2300.00}. 

Then on XX/XX/2018, I received a bill for the increased amount of {$2300.00} ( well before the clearly stated date of increase ). I immediately recertified for XXXX and contacted XXXX about this issue stating that I believed I should have been billed my previous monthly amount of {$970.00} until XXXX. The rep agreed and told me to make a payment of {$970.00} ( which I did ) and told me the account would be reviewed and this should be resolved within 10 business days. XXXX would cover the difference between what I should have been billed and what I was billed : {$1400.00}. 

I received no word from XXXX until XX/XX/2018 when I received a new bill still showing the past due amount of {$1400.00}. My husband called XXXX and talked to XXXX ( rep # XXXX ). He was very friendly and again reassured that he would file a review hoping to clear the mistaken charge of {$1400.00} and ensure that our payment of {$970.00} in XXXX would be a qualifying payment towards XXXX XXXX XXXX XXXX. 

Having still received no resolution from XXXX a month after initially calling them to resolve the issue, my husband called XXXX for a third time and spoke with XXXX XXXX ( rep # XXXX ) who told him my account was overdue and had the potential for negative credit reporting. She said there was still no resolution from the account review. 

This is unacceptable service. I have no choice in student loan servicer and must be able to trust XXXX when they tell me what my payments will be. Now I am at risk for negative credit reporting due to a mistake on XXXX 's part ( which they repeatedly admit was their mistake ) and they are unable or unwilling to resolve this issue in a timely manner.
Consumer complaint received 2023-03-10
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. (NJ)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXXXXXXXXXX XXXX XXXX
Consumer complaint received 2021-12-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

My XXXX car payment was due XX/XX/XXXX. A valid 30 day late would have been XX/XX/XXXX. I legally signed car over to XXXX XXXX XXXX in XXXX XXXX dealership on XX/XX/XXXX. I traded car in for a truck. They informed me they would send payoff asap. I nicely explained to XXXX what occurred and apologized the dealership did not payoff car until XX/XX/XXXX. Then they sent the wrong payoff amount and left a low balance remaining which resulted in a 60 day late. I sent XXXX proof that I was no longer legally liable for vehicle on XX/XX/XXXX prior to it being 30 days past due and kindly asked if they would remove the erroneous 30 and 60 day late. XXXX credit dispute said they would not remove it as I was legally liable for vehicle until payoff was received.
Consumer complaint received 2022-05-25
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. (MN)

I have contacted TransUnion and submitted FTC reports along with creditors letters supporting the removal of these unauthorized inquiries. 
I have not heard from TransUnion nor has my credit file been updated.
Consumer complaint received 2018-09-21
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ORG GC GP BUYER, LLC (IL)

I have requested the company stop calling me at work and I was told it was not illegal for them to do so. I work for the XXXX XXXX and XXXX XXXX and do no appreciate the phone calls while I am at work. My job is a time consuming position with no time to chat on the phone and the person was rude and not very accommodating. 

The name of the company is GC Services hired by XXXX XXXX, their telephone number is XXXX and the representative 's name is XXXX XXXX. 

Please advise me as to what I can do to stop these phone calls at work.
Consumer complaint received 2021-12-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings (TN)

I was contacted by an agent by the name of XXXX who works for AD Astra Recovery Service. She informed me that I owed {$1000.00} for a loan taken out at XXXX XXXX XXXX ( Online ), but my credit report says XXXX XXXX XXXX TN. This loan was taken out in my name sometime in XX/XX/2019 for the original amount of {$600.00}. I informed her that I was taking finals at this time in college and did not have a job to even cover a loan. This loan was taken out fraudulently and I would like for them to send me further information. XXXX told me it would effect my credit if I didnt pay something on it. I thought it was a scam caller and hung up. I then later learn more about my credit and seen that this was indeed posted on my credit. Please tell me my next steps to have this removed. Even the address that was given for me at the time is incorrect and I do not know anyone that says at the address given.
Consumer complaint received 2019-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IN)

I have already attempted to resolve my issues with Navient and this is my second complaint to you. I wanted to bring some new information to your attention after my own investigation. First off Navient has stated that I consolidated loans in 1997. I have no knowledge of such a thing. Apparently they redid my loan and raised the interest rate and of course more fees. This apparent consolidation loan would have been no benefit to me what so ever. Another I did is get on the student aid website, to try to dig some more into this. My original loan balance should have been {$5800.00} instead of {$8400.00}. I couldn't quite figure that part out. My pell grant never got all applied because somewhere along the line someone put down, a withdrawn status. Well I GRADUATED, it still has a withdrawn status on the website. I should not be having to go through all of this to try to figure this out. This is my last attempt with Navient and XXXX XXXX to figure out who dropped the ball! I will be getting an attorney and let him/her figure out who in the XXXX is at fault! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX
Consumer complaint received 2021-12-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NJ)

This account is in litigation and has already been paid. The company Midland Credit Management purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692a ( 1 ) states the term bureau means bureau of consumer financial protection. XXXX, XXXX, and XXXX are assumed to be credit bureaus when there is only one bureau and that is the Consumer Financial Protection Bureau. On XX/XX/1933 XXXX enacted XXXX XXXX to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin currency... are inconsistent with the declared policy of congress... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin currency, or in an amount in money policy ; and Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
Consumer complaint received 2019-04-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (TX)

It was a legitimate medical debt that was referred to a collection company ( after they never sent a single bill but that is another story ). 
Once we became aware of it, we paid the collector who sent a letter saying once the debt was paid in full it would be expunged from the credit reports. 
This was early XXXX. They have reported the debt over and over to at least 2 credit bureaus again, as of XX/XX/XXXX, a month after it was paid in full as not paid and they keep adding interest to the closed account. 
I have sent them numerous emails but they refuse to respond or take any calls. 

This is clearly a shakedown tactic.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Please verify that all information is 100 percent accurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. Below is the account in question : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$10000.00}
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am a victim of the XXXX  data breach and have been unable to retrieve my own credit reports ( due to fraud ) for over 3 years. I send proof of my identity and if they respond at all ( sometimes they don't ) it is to tell me I have not proved myself to them. I have complied with all of their requests regarding identification and am tired of copying documents at the library to no avail. I can't even begin to repair from the fraud damage until I see the reports and in the meanwhile my id is being used to open all kinds of accounts. I have not used the credit system in over 10 years but am unable to get a job or an apartment because of factors outside of my control, which is totally unacceptable. 
Thank you
Consumer complaint received 2022-05-25
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. (WI)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXXXXXX XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

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