davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

- we entered in forbearance in XXXX of XXXX with Loan Care -we have remained in contact Monthly for the entire period of our forbearance and was told numerous times that a deferment was possible and our best option when coming out of forbearence. 
- we exited forbearance recently and was told that someone from the company would reach out to complete the deferemememt process. 
-instead, they called telling us that we better sign up for their 40 year loan modification or else they would start the foreclosure process on us. 
-we explained that this was never explained to us and that we were waiting for deferment paperwork, the lady told us that the maximum deferment approved was 18 months and that if we wanted to remain eligible we must submit a payment and back date it for XX/XX/2020. We provided payment and she said that the deferment was approved. 
-several weeks went by and we have heard nothing, I called in again yesterday and told that it was still under review but that I would need to make an additional payment and back date it for XX/XX/2020, which I did yesterday. I was told they sent an email and that it would all be settled today with my deferment. 
- I called today to follow up and after being transferred around for 2.5 hours a woman got on the phone and said Im never getting a deferment and that she was sorry that I was promised that numerous times before. She threatened to turn on 40 year modification paperwork or she would foreclose our home. 
-at this point I have made 2 full payments out of forbearance and trying my hardest to call daily and get this resolved. I want a deferment of payments as promised and planned and to remain my normal monthly payments without my credit being destroyed.
Consumer complaint received 2021-10-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

I elected to end my COVID-19 forbearance and request a loan modification. I did all the work involved in the loan modification process including all paperwork, check-ins, and made all trial payments. My loan mod was approved and my account with to return to normal servicing by XX/XX/XXXX. 

To help mitigate the on-going hardship further, I applied and received a one-time only grant from the local XXXX non-profit agency. The amount of the check they gave me to send to PennyMac ( my loan servicer ) is not enough to pay the amount I was in arrears in full but the loan modification would solve that. These funds would help my ( new ) mortgage payment to be covered for the next 6 months while I rebound financially. I am earning less than half of what I was earning prior to COVID. 

Even though the funds are not from the HHF program and I am not in a program that makes my mortgage payment for me on a continual on-going basis, PennyMac halted my loan modification and coded my account to HHF. They are unresponsive to my many, many phone calls and emails trying to understand what is going on and why this one grant amount would negate the loan modification agreement. They are completely unresponsive and say that I can only speak to one individual for answers to question because my account with PennyMac is coded as " HHF ''. They will not give me any answers about my loan modification or the rules in using another mortgage assistance source. 

The loan modification process I started in XX/XX/XXXX was to conclude XX/XX/XXXX. Now, once they cash this 3rd party check, I will show that I am $ XXXX {$6000.00} behind on my mortgage and in a delinquent status when the APPROVED loan modification was to reabsorb the amount I was in arrears back into my loan. Why would a secondary source of hardship assistance be in conflict with a loan modification when the hardship isn't just about getting current with the loan- it is also about a reduction in incoming because of the pandemic which could put me right back in the situation of getting behind on payments? 

The pandemic has been an unprecedented upheaval in so many lives unlike anything we've seen in any of our generations save for those still with us who survived the Depression. To make recovering from the impacts of it so tedious, so out-of-reach, so lacking in common sense is beyond me.
Consumer complaint received 2021-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: COAST PROFESSIONAL INC (AZ)

To Whom it may concern, I have not received a response for over one year regarding my closed school complaint and loan discharge. This is my second request to have this fraudulent loan discharged. For your records, here is my request again : COAST INC XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Closed School Loan Discharge Application and Request for Forbearance Dear Sir or Madam : I am formally applying for a closed school discharge of my student loans. With this letter, I have enclosed my completed closed school student loan discharge application and supporting documents. If any additional information is required, or if any information is missing, please get in touch with me immediately using my contact information below. Additionally, while my discharge application is pending, I request you put my federal loans into forbearance. In other words, I ask that the Department and any contractors or loan servicers it hires to collect on my loans cease all collection efforts while my discharge application is pending. 

Please confirm that you have received my application and that my loans will be placed in forbearance while my loan discharge application is pending. 

I appreciate your cooperation. 
Sincerely,
Consumer complaint received 2019-11-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (PA)

I applied for a XXXX store credit card ran by Comenity Bank. I used the card and made on time payments. I closed my account and the phone calls will not stop. They harass other members of my family that live in California about my dept. They will call me with different phone number at least 15 times a day. I told them to stop calling me and they get rude and hostile over the phone. when I pick up the phone I know it is Comenity Bank because the first thing they ask me is if I have legal representation. I pay all my bills on a timely matter. It is getting to the point where I don't even trust them with my card number to make a payment over the phone. They call during the mornings, weekends, nights, and are very rude.I don't even know how they got my uncle 's number in California but I have the voice mail that my dad forwarded to me that Comenity Bank left my uncle. I told the one lady last month to send a bill to my house so I could make payment but I never received it, just alot of calls.
Consumer complaint received 2019-12-12
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. (CA)

I called Equifax, today XX/XX/19, and spoke to agent XXXX. He lied to me and told me that I had to buy a product to update information in my 7 year, extended security alert and order my full credit report. Then he told me I misunderstood him, trying to convince me further of his lie, when I balked at this blatant lie. I spoke with supervisor XXXX, who also refused to assist me with the process. I was denied access to my full report, given no resources to obtain it, and told I had to incur further expenses mailing things into Equifax or faxing more things to them. I'm tired of being ripped off and nickel and dimed on fees and expenses to straighten these issues out that were caused by this company exposing my data. I won't be further extorted of my money. I want an accessible way to update my information and keep my personal information safe which Equifax has failed to do. Frankly they don't know the first thing about any of this.
Consumer complaint received 2022-08-26
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: EQUIFAX, INC. (PA)

I requested an investigation because I need an explanation why two of these accounts are still being reported on my credit file - XXXX FUND Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX.. After waiting over 90 days for a response, still nothing, they have taken over 90, this is a violation and they are required to remove all the accounts. 
Per FCRA 623 ( b ) ( XXXX ) and 611 ( a ) ( XXXX ) and section 611 ( XXXX ) ( a ) of the FCRA, they are required to " promptly delete an account which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! 
Your assistance in resolving this concern as soon as possible is appreciated.
Consumer complaint received 2022-08-26
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. (GA)

Describe what happen? 

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well. 


What would be a fair resolution to this issue? 

I want all negative items removed from my credit report because you are in direct violation in the FCRA
Consumer complaint received 2021-10-01
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (WA)

Experian has sent me documentation that states they receive and verify bankruptcy information with XXXX. I recently froze my XXXX nexus and opted out of XXXX. Experian can not receive or verify any information about me through XXXX. The bankruptcy information was removed by XXXX for inaccuracy and inability to verify. XXXX is still investigating. Experian has said they have verified the information with XXXX, but that is not possible.
Consumer complaint received 2019-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

{$16000.00} of fraud has been taken from our bank of america account. this money on the bank statements has a description of XXXX but the XXXX monthly reports do not reflect any of these transactions. the amount taken from our account is {$16000.00}. we rarely if ever use our atm cards, instead we use our credit cards. fraud has been committed starting with XX/XX/2019 and continuing up through XX/XX/2019, we are concerned because bank of america has closed the case and the case is now in reconsideration and the claim number is XXXX this money is needed to pay the irs on XX/XX/19 and we do not have it in our account to pay our taxes and other invoices. this appears to be an inside bank breach as both our our atms cards have been used so they had to have access to information for both of us. the fraud on the other card was {$40.00} and that has been returned to our account. we would now like the {$16000.00} worth of fraud to be returned. we have been asked to help the fraud department and have sent in letters and made phone calls. i've called on numerous occasions to ask the fraud department what they have done and nothing has been relayed to us about the efforts on the banks part of the investigation. our investigation is limited as we do not have access to the banks reports of breaches, insider leaks, or other irregular banking practices that happen with bank of america. we are confident that we have not given anyone use of our cards or used these card ourselves. this appears to be a bank breach and we would appreciate the {$160000.00} returned to our account. the bank has all the bank statements needed to make the determination. thank you.
Consumer complaint received 2021-10-01
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-10-01
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kohn Law Firm S.C. (WI)

In XXXX I default on tuition owed to XXXX XXXX  XXXX XXXX WI. In XXXX the debt was sold to kohn law firm. XXXX  discharge the debt. In XXXX Kohn was informed I lacked the financial ability to pay. In XXXX Wisconsin 6 year statue of limitations ran out to collect. It is XXXX Kohn is try collect on XXXX year old debt.
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc. (CA)

I submitted a dispute to the company on XX/XX/2021. The company responded to my dispute on XX/XX/2021 but failed to mark my account as disputed on my consumer report.
Consumer complaint received 2024-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Shellpoint Partners, LLC (CA)

I have a home mortgage with Shellpoint. Every XX/XX/XXXX they are allowed to change my home mortgage interest rate by 2 % ( up or down ). In XXXX, and up to the end of XXXX of XXXX, my interest rate was supposed to be 5 %. In XXXX I received a letter from Shellpoint stating that my rate will be increased as of XX/XX/XXXX to 7 %. Per my original mortgage documents this change is legal/within our agreed limits of interest rate hike. 

In XX/XX/XXXX, when I logged into Shellpoint online to pay my monthly bill, the interest rate was already prematurely adjusted for the year. Instead of waiting until XX/XX/XXXX to adjust the interest rate, Shellpoint already raised my interest rate from 5 % to 9.5 %. The two errors made here are that the rate was prematurely raised, and it was raised more then the allowed 2 %, from 5 % to 9.5 % instead of a maximum of 7 % that was supposed to happen on XX/XX/XXXX ( as the letter from Shellpoint said - this is attached for your review ). 

I called Shellpoint in XXXX and spoke with 3 different representatives. They told me that the error would be fixed and changes would be seen on subsequent bills. 

The appropriate changes have not been made as of XXXX. I called them again on XXXX different days in early XXXX and they could not tell my why my interest rate was changed to 9.5 %. The last representative I spoke with said he could not help me but advised me " to put everything in writing '' and submit the document to Shellpoint. Having done that ( document attached for your review ), I called again on XX/XX/XXXX to get an update on my file. The Shellpoint representative said that Shellpoint only performs " a service '' and my rate can only be changed by " the investors '' who manage the loan. The representative at Shellpoint did not tell me who " the investor '' of my loan is. XXXX used to carry my loan before it was taken up by Shellpoint. I am not sure who the investors are who " have '' my loan and am writing to you hoping that you will be able to assist me.
Consumer complaint received 2023-07-23
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2019-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I was paid on XX/XX/19 by XXXX with a check from XXXX XXXX for XXXX. I mobile deposited the check on XX/XX/19 to my citizens bank account. The funds were released. Then on XX/XX/19 the check was deposited again by an unknown individual to XXXX XXXX. XXXX was charged twice, he said he opened a claim and that they took back my funds but not from XXXX XXXX and was unsure why. XXXX tried to open a duplicate check claim with XXXX XXXX and the FDIC was involved. They issued a temporary credit to my Citizens account but then took it back out. I was never explained why. I inquired with XXXX  he said there is nothing more he can do. He stated that the person at XXXX XXXX still has his money. The individual who fradguaently cashed the check a second time. You can see that they never did a second signature on their mobile deposit, and that account is not one belonging to me with my name, so a second signature should have been required to process that. You can see a trail for checks deposited by me from XXXX The  unknown individual at XXXX XXXX has no trail as this was fraud. They have the funds that are supposed to belong to me. I have reached out to all three banks and they all are saying to contact the other.
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (PA)

In XX/XX/2019 I filed a complaint regarding information provided to my credit card Citicard by XXXX  that caused Citicard to reduce my credit limit ( XXXX-XXXX  ). As of this date I have not received any response from XXXX  providing me with the same information they provided to Citicard or whether or not XXXX   corrected my Credit Report. 
On XX/XX/2019 I sent correspondence to CitiCard CBNA at their " dispute '' office in South Dakota requesting the information received from XXXX that prompted them to reduce my credit limit. As of this date I have not received any response from Citi or their Dispute Office.
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (SC)

I have filed two bankruptcies and from my understanding bankruptcies are supposed to clear all debt. Or the date is supposed to be paid for or cleared and for me to start over. Well look on XXXX and on XXXX  XXXX  and it showing open accounts and that the bankruptcy didnt pay certain things. So for me filing and paying for those fees of bankruptcies I just want whats right and cleared for me to start over. Thank you
Consumer complaint received 2021-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

In XXXX of 2021, I disputed an alleged debt with a debt collector named LVNV Funding LLC, LVNV bought this debt from XXXX XXXX XXXX. LVNV Funding LLC later removed the alleged debt from my credit reports after seeing that I was a victim of identity theft. This alleged debt hindered me from accomplishing my credit goals and negatively affected my credit scores. My rights as a consumer were violated under 15 usc 1681b ( 2 ) " in accordance with the written instructions of the consumer to whom it relates ''. 
I have attached a letter of correspondence of admission and deletion.
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was looking at my credit report and I found some items that where delete from another third party collection have been sold or transferred to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I have requested legal documentation from all the mentioned companies I never received anything. Please delete them at once.
Consumer complaint received 2022-05-26
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. (NJ)

In accordance with the Fair Credit Reporting act 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 Accounts : XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquires : XXXX XXXX XX/XX/2021, 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 XXXXXXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2019-12-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KS)

XXXX XXXX XXXX is collecting an USAA XXXX XXXX Credit card debt from me. I acknowledge the debt, I have been paying on the debt for the past 5 months. They refuse to send me any type of statement showing that I am paying this debt off. They also refuse to delete the charge off from my credit report when the balance is paid in full.