davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

In accordance with the Fair Credit Reporting act XXXX XXXX Account number ending in # 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
Consumer complaint received 2020-10-01
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC (NE)

We were down to the last few days of our home purchase process. We were coming up against the deadlines for my husband to have to start his job in the new city and for me to return to work for my existing job. Closing was originally scheduled for XX/XX/XXXX however we had been asking to close earlier. We were already here living in a hotel until we closed. We didnt think it would happen but on XX/XX/XXXX we got a call from the title company to schedule our closing for that afternoon. We got our funds wired over. Got to the closing appointment and signed all the documents. Then they said they had to confirm it funded and they would bring us the keys. We were there for 2.5 hours. Finally I get email notices of new conditions. They come in and tell us me we cant have the keys without making these conditions. We start working to get the required docs and I come to find out from a processor we have been working with that we were not clear to close. I have been trying to call my loan officer and no return calls. The company still has my deposit and closing cost money. Now I am hearing it might be 3 more days before we close. No calls from the company explaining what happened and why they sent us to closing if we were not ready. We are living in a hotel and need to start our jobs.
Consumer complaint received 2023-03-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (AL)

I've been paying Sallie Mae/Navient for private student loans since XXXX. I am the co-signor to my sons loans and have authorization on the accounts w/Navient. We have constantly struggled to make the payments with some having as much as 17 % interest rate, constantly having to go into a rate reduction program that only added the debt to the back of the loan, with penalties and interest. We ask for consolidation or permanent rate reduction, IDR and we were told we did not qualify for any assistance. Navient has never tried to help us be successful in managing our loans. Each year of paying {$12000.00}. or more in payments my total balance continued to increase year after year. The burden to make the payments has become impossible for us and I notified Navient out of desperation I was going to request a hardship and withdraw my 401K retirement in order to pay off my son 's student loans. At that time XXXX of XX/XX/XXXX I owed approx. XXXX. I have requested and received my retirement funds, ( XX/XX/XXXX ) I immediately contacted Navient and my balance now 2-months later is approx. {$100000.00}, due to past due and late fees over {$300000.00}. I explained I had gotten all the money I had and ask them to accept the {$100000.00}. They said they could approve a settlement amount of {$100000.00}, which I was very thankful for until they told me my son and I would have to complete a credit disclosure and that it would be reported on both our credit reports that we settled for less than the amount due and that it could affect our credit for the next 7-years. I told them I felt a settlement was an agreed amount amongst all parties and should show paid in full and nothing else. I've paid them so much more over the years and now when I'm trying to pay them with all the money I have for retirement these people still want to punish and hurt our credit. Defaults are at an all time high, banks are going broke everyday our country is in the worst shape it has been in 50 years and this is a good example of why it is. I'm offering to pay more than what they offered to settle, and they still want to hurt our credit. I would have been just as well to have filed bankruptcy if this is the case. I know they have authority to settle without doing damage. This is just another example of how Navient treats their customers and how difficult they want to make it for you to get out of debt. This is just wrong and people with private student loans don't have anyone in their corner to help. If I can tell consumers anything about student loans I would tell them to never take out private loans and never borrow from Navient.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens bank loan, now owned by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has me served papers by Law Offices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am on a monthly payment agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX to pay off this debt. I am in the process of trying to obtain a mortgage and repairing my credit. I pulled my report from all 3 credit bureaus and the monthly payments are not being reported and the new balance is also not being updated every 30 days after I make a payment. I have attempted to send certified disputes and called citizens bank, XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and after 4 monthly payments my 3 credit reports are still not updated. They can not report an incorrect balance until it is paid off. This continues to show higher amounts than what I really owe after I make my monthly payment. I have other charge off accounts that are on payment plans and monthly payments and balance is updated monthly. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has informed me that they do let XXXX XXXX know every month when a payment is made because this is under a stipulation agreement with the courts and if I do not pay monthly it will turn into a judgment against me and as I am trying to repair this I do not want a judgement and have made my payments ever month. Please call XXXX they will verify my payments.
Consumer complaint received 2022-11-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Credit Karma (GA)

I Have a car loan that I didnt consent too. Ive tried calling Credit Karma and other places to see where this vehicle is, that I knew nothing of Title 15 1681. 
Fraudulent loan has been place through my extension of credit. I will be filing a police report against Credit Karma for Fraud
Consumer complaint received 2020-10-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I HAVE INFORM ALLY and the credit companys that this account does not belong to me yet they still report this as if its my debt.
Consumer complaint received 2020-10-01
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kashia Services (OH)

In XXXX of 2020 I took out a loan for {$600.00} with SOLID OAK FINANCIAL SERVICES and was paying it back via automatic withdrawals. I however became unemployed due to COVID and advised the loan company in XXXX i would resume payments whenever i financially could. I NEVER received any documentation after that. My employer received a garnishment request in the amount of {$1900.00} from XXXX XXXX. There were no court documents filed. I never received an opportunity to dispute and or settle the debt. and when calling XXXX the only options they give me is to refer to my original loan agreement which was NEVER provided by Solid Oak Financial Services. XXXX also told me the only way I could stop the garnishment was to pay the {$1900.00} in full. I have yet to receive any documentation supporting these actions, time or opportunity to dispute the garnishment and proof of court filings for the garnishment proceedings. 
TO add the original loan amount of {$600.00} HAS BEEN PAID the outrageous amount of {$1900.00} is supposedly fees and interest!
Consumer complaint received 2020-10-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JMAC LENDING INCORPORATED (CA)

The date of signing our loan through XXXX  XXXX, we felt rushed and the loan amount and extra cost we were told we needed to pay were not what we had talked about. My wife and I did not sign the documents. We declined the loan. We went with a new company the following week. 
Two months later we received a denial letter from JMAC Lending, the company we cancelled with. The letter stated we had Inadequate Collateral and Insufficient Data-Property. We have plenty of Equity in our home {$450000.00} ( {$870000.00} plus ). We recently had a home sell for {$900000.00}, a smaller version. Our credit scores dropped 35 points for the each of us after this letter went out. We are very  upset how this company JMAC can spread false information when we decided not to use them.
Consumer complaint received 2023-07-13
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. (WY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-09
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. (FL)

The credit reporting agency and the collection account is in violation. I have not received a response from the company states that I owe a debt that I do not the credit bureau has not removed the account off of my credit report. It has been over four months they are the only credit bureau that has this account in error on my credit report Q u e s t i o n s / C o m m e nt s : In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Account # XXXX  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.

15 U.S.C 1682 Section 805 A States a debt collection may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the consumer 15 USC 1962 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knowns or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the called number. _______________________________________________
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Klarna AB (MA)

i set up a payment plan when i did my purchase to avoid interest. i was surprised that my plan did not go through and was defaulted to the minimum. so this company get the interest. i contact them to solve the issue and the said that automatic payment is set up only for minimum payment and not for more than that. this is misleading, how can you offer automatic payment and allow only minimum payment. this tactic is used so the company can collect interest no mater what. my purchase was for {$700.00} with 6 month no interest, i set up $ XXXXmonth payment plan to avoid paying interest but klarna keep making it {$25.00}.
Consumer complaint received 2019-06-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

In 2018, my {>= $1,000,000} XXXX XXXX house was foreclosed and sold at auction for a {$130000.00} mortgage debt and I was left with nothing, zero monies. Shellpoint Mtg gave me nothing, NO MONEY, no explanation. Is grand larceny legal in America? Is MURDER LEGAL IN CALIFORNIA? Nobody ( even in the real estate business ), that I have told this story to, has ever heard of these type of violent felonious crimes happening to anyone else. Unfortunately, I am a senior citizen and XXXX  victim, and Shellpoint Mortgage Co 's ( in North Carolina ) final action caused me to go into shock and suffer another XXXX. Yes, I was struggling to keep up with my payments, and when Shellpoint Mortgage in North Carolina said they were auctioning my house and would not give me time to sell it myself. I didnt believe that was fair, especially because one often loses 10 %, 20 % or even 30 % of the value in an auction, but given my poor health, I couldn't fight this injustice. Then Shellpoint sold my house and gave me none of my equity, that's over {$1.00} million of grand larceny. Also, shouldn't XXXX  victims have more time to relocate, especially when the XXXX  was caused by their actions. To further compound this inhumane injustice, my house actually has 40 % more square feet than they advertised at auction and sold my property for. I can forward you emails that I sent ( prior to the auction ) to Shellpoint Mtg., and to their XXXX  attorneys, and to XXXX, telling them that if you must sell my house you can not " ILLEGALLY AND FRAUDULENTLY MISREPRESENT THE SQUARE FOOTAGE OF SAID PROPERTY, '' thereby denying me more than 40 % of the value. Unfortunately, all of my retirement nest-egg money was in that {$1.00} million equity. So, they fraudulently sold my house, evicted me, and threw me in the gutter. Now, I am homeless, penniless, and dying on the street. How is that fair and legal? Don't we have any rights in this country. Is Grand larceny legal? Tell me why the MURDER of XXXX  senior citizens 's is legal! Don't American citizens and XXXX   residents have human rights? Please help! I am desperate and dying. Living in the gutter will kill anyone, but it is especially detrimental to XXXX  senior citizens. I will go to a jury trial ( even if they have to carry me in ) and even to the supreme court to right this injustice. Shellpoint is liable for 100 million dollars, obviously they swindled me out of over {$1.00} million of real estate equity, but the further damage to my health and loss of my personal family heirlooms and mementos is priceless. To make anyone endure this barbaric brutality is horrifying and gratuitous torture. SHELLPONT MORT. IS A VICIOUS EVIL TERRORIST CULT! ALL OF THEIR SEDITIOUS MANAGEMENT AND ATTORNEYS MUST BE INCARCERATED! SHELLPOINT MTG. IS AN EXISTENTIAL THREAT TO AMERICA.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

I sent Equifax a bankruptcy letter, Dispute letter, and XXXX XXXX stating the reporting on my credit profile was incorrect, which was sent in support of that. I sent it by certified mail on XXXX XXXX and it was signed and received by XXXX XXXX. I called the customer service line and spoke with a gentleman who gave me a very hard time that stated he had the documents but would not adhere to them. He stated I needed a deletion letter from XXXX, which inform me they never heard of such and that the consumer report given to me by XXXX was indeed the document needed.
Consumer complaint received 2020-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have a mortgage with Bank Of America here by known as BoA, on a House that was sold on XX/XX/XXXX. The payoff was sent from the Attorney 's office, XXXX XXXX out of XXXX XXXX LA. I have the payoff letter from BoA and the Cleared check from the BoA. BoA has failed to record the payoff and has continued to collect on this mortgage. I have contact BoA, faxed them the paperwork from the Attorney 's office and they still continue to debit my checking account. They have also contacted my money manager with Merrill Lynch Investments threatening to confiscate assets if I do not continue to pay on this loan. They have refused to help me resolve this issue so I have had to close my Checking account to prevent further theft. I have bounce checks because this issue was supposed to be resolved then an unexpected {$2300.00} is withdrawn from the account. I have incurred several hundreds of dollars in NSF penalties due to this bank mistake. I do not know what else can be done to prove the account is closed and been paid off since XX/XX/XXXX. Since the property sale closing, the bank has continued to pull money from my account totaling {$4700.00}. Furthermore, I have incurred {$840.00} in NSF charges and penalties due to their inability mark the loan as closed and payed in full. Furthermore, I have lost the trust and goodwill from those companies with whom I use for various services. The mental anguish and embarrassment of bouncing checks to multiple people along with the loss in goodwill will have permanent impacts on my business relationships.
Consumer complaint received 2020-10-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (OH)

I filed bankruptcy two year ago in XX/XX/2018. Since then I have not heard from Sallie Mae loan company regarding my private student loans. Yesterday I received an email from XXXX XXXX  saying that my Sallie Mae loans are going to collections. I tried to log on the website to make a payment plan or speak to a representative about it and it said my account was disabled. So I called the customer service hotline yesterday and today and as soon as I put in my account information it tells me that nobody is in the office to speak to me. And their business hours are open at the time I make the calls. So Im struggling to get ahold of this company to figure out this issue and its like theyre ignoring me. Im not sure what to do because they dont have any other way of contact besides that hotline and as I said I cant get ahold of them.
Consumer complaint received 2020-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

The paused my payment again just got their it straight made one payment XX/XX/2020 and submitted XX/XX/2020 put pause it ... '' our records show that you are to sen mortgage payments to Trustee '' Ms XXXX XXXX  Phh .owcen ... 
I said I have nothing to this " Call your BK Attorney I said you took my payment XX/XX/2020 once you all straight out it ... 
well XXXX XXXX just yesterday put over XXXX loan in forebearnce didn't even contact borrowers.. 
due to our present financial position they just wont let you continue without drama
Consumer complaint received 2020-10-01
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: Credit Technologies, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to XXXX  by XXXX and 5 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX Never lived there That reason can't be processed online. 
This Address was reported to XXXX  by XXXX XXXX XXXX and 3 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This request requires special assistance and can not be processed online. Please contact us at XXXX so we XXXX better assist you with this item. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to XXXX  by XXXX XXXX XXXX and 1 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (NV)

I have been a victim of identity theft my passport was stolen etc my wallets has been stolen before I have several accounts that are charged off in Chex system which is affecting me from opening any bank account I have requested my report and have informed Chex system that it was fraud however they told me after the investigation that it was an account I opened etc