davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-13
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (VA)

I explained that I did not authorize the hard credit inquriy on XX/XX/XXXX from one main finincial. They said it went to the XXXX location branch bc it was closeest to me and then ran my credit report again!!! I want this taken off immediately they did not help me whatsoever
Consumer complaint received 2020-12-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (PA)

In regards to my Mortgage I have been was under a forbearance because of the hardship due to the Covid Virus since XX/XX/XXXX with a company called Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CO. XXXX. 
In Late XXXX I filled out all documents requested by Specialized Loan Servicing for Loan Modification. In early XXXX this company confirmed receiving all my paperwork. Then while I have been under the Forbearance this company has reported negative credit information on my wife 's Credit and my credit the amount that is owed and protected under the forbearance. They have refused to correct this and because of their reporting of this negative credit Specialized Loan Servicing has destroyed our credit. Before this negative credit reporting our credit was XXXX and above. 

The loan Modification that I applied for in late XXXX has now been in process for over three. I call three time a week I spoke to a manager XXXX XXXX number XXXX that has been assigned to my account once XX/XX/XXXX stating he was taking care of everything he made call appointments with me for several days and has since never called me back. I called and requested a supervisor call me back no return calls. When I call the recording outgoing message for my account tells me I have been approved when I ask what the delay is I'm told that they are awaiting signature from investor. I have been told this now for months now. I fear when my forbearance is over XX/XX/XXXX and when the protection is over they plan to a foreclosure. No one can give me a reason why would they allow an investor to take three months plus to sign and review the documents for my Loan Modification. I have contacted them three times a week and been told over and over again they awaiting Investor review but the people I speak to tell me that this isn't right and my account for the Loan Modification she be taken care of but I just get talk and no action no returned calls. 
XXXX XXXX
Consumer complaint received 2019-08-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (AZ)

Every day, Monday through Saturday, One Main Financial calls me three times a day during my work hours. I have spoken to a representative before to inform her that I can not answer my phone from XXXX - XXXX. I told her if she can please add on the notes to call me after XXXX. This has not been resolved. In addition, they keep calling to ask me to make payment or that there is a late fee. I've already explained to them that I am in a debt consolidation program that manages my payments and sends payments to them. No other creditor calls me as much as they do because they all know that I am on a debt management plan. They should be contacting the debt consolidation company instead. It is frustrating getting called every day, three times a day, especially when I am at work attending important meetings or talking to customers. This is unacceptable.
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have reached out to Experian and XXXX to do research into this invalid collection and provided documentation, no real investigation has been done. I continue to receive an update that says the collection is valid as per the collection agency but with no evidence that I owe this {$170.00} dollars. 
XXXX XXXX collection agency refuses to cease collection activity on a debt not owed to them. The original creditor in which they have stated I owe have been in communication with me via email and I have submitted letter and documentation that I no longer owe any amounts and my account was paid in full. The original creditor XXXX provided correspondence through its presidents office and stated on email I owe XXXX no more money and did mention there was a collection fee of {$170.00} left on my account that would be deleted as they did not use the collection agency, I paid the creditor directly. With this email the collection agency along with the credit reporting agency continue to report this account in which the debt is invalid. I have disputed the validity of this entire debt as I have no business with this collection agency I owe them no money and am not liable for a collection fee in which they collected no money.
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

I ran my credit report via XXXX XXXX  on XX/XX/XXXX. On XXXX report there was a hard inquiry from SYNCB/JCP which apparently occurred on XX/XX/XXXX .I called the phone number listed on the inquiry and spoke to a rep which ran my social and said there was no inquiry made they had no information pertaining to me. I then called XXXX and was told they could only remove the information from my report if I submit a deletion letter from the company who made the inquiry I told them SYNCB/JCP said they have no info on the inquiry in question then was told to have them mail me a letter stating they have no information or account with my information. I called back to SYNCB/JCP   and was told since there is no information they can not send me anything in regards to the inquiry however the rep I spoke with said she can guarantee there is no account and no inquiry with my information I said well if you guarantee it I will be needing a letter stating that so I can remove this from my credit report. I was told again no letter can be giving being there is no account info or inquiry on file. All I want is for this inquiry to be removed from my credit report.
Consumer complaint received 2022-12-29
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. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK (NJ)

After requesting a full credit card payoff with discover credit card. And completely paying off the card. I am being charged interest on XXXX interest charges due to past balances. 
This is the third time this has happened and discover in the past has acknowledged that its a mistake. This must be a systematic overcharging by discover. Please investigate.
Consumer complaint received 2024-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I'm being contacted by Midland Credit from XXXX on my work phone. I answer with my company and full name. Then they ask for someone named XXXX despite me clearly stating my name. When I say that this is a work phone and not to call me, they call back again the following day. 

They have asked if anyone who works here is named XXXX. They have claimed I'm his wife. I've repeatedly asked for them to not contact me.
Consumer complaint received 2022-10-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (LA)

CKS PRIME INVESTMENTS LLC, Was sent a certified letter of validation on XXXX 2022, on XXXX 2022, CKS prime investment LLC received the letter of validation. See attached documents with certified receipt. According to the fair debt collection practices act I have the right to request validation of the debt the collections allegedly say that I owe. However CKS prime investments LLC has refused to validate your collections account information but is still reporting to credit bureaus on the collections account without validating the account in question on my credit report. The validation letter requested information that is vital to be validated based on my whole life has been exposed over the Internet the agreement that bass the signature of the lead that needs to also be included in the validation of this account. But CKS prime investment is refusing to cooperate.
Consumer complaint received 2021-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

transunion and XXXX are showing inquiries on my credit report that i do not recognize. although i know i must go through a process, it will be hard for me to do so since i am a XXXX veteran and have a hard time getting around and moving due to my declining health issues :
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX and I have been trying to correct some errors that were reporting on my credit file. In the process I had helped my daughter get into an apartment. When she moved there was money owed. The first thing I did was contact the apartment complex management company and paid the debt. I don't know if the issues is with the XXXX XXXX XXXX or the XXXX XXXX but the point is there should be nothing owed to the company for this apartment and it should not be listed on my credit report.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FISERV INC. (CA)

the middle class debit card i received was already used.everytime and everyday for the past 3 weeks i been calling everyday to speak with a representative about my fraud account and i wait for hrs and when someone answers i get rerouted to another call and then it hangs up..i need help solving this issue..i been calling both numbers XXXX and XXXX
Consumer complaint received 2024-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OH)

I am writing to file a formal complaint against the Missouri Higher Education Loan Authority ( MOHELA ) for their egregious mishandling of my Public Service Loan Forgiveness ( PSLF ) application. 

On XX/XX/2023, I diligently submitted all necessary documentation for the PSLF program through MOHELA. Despite repeated attempts to elicit any form of response or progress update, I have been met with absolute silence. It is now XXXX, marking a staggering five-month period of complete neglect and disregard for my inquiries and the status of my application. 

This utter lack of communication and abysmal delay in processing my application is utterly unacceptable. As a borrower navigating the complexities of student loan forgiveness programs, I am appalled by MOHELA 's blatant disregard for accountability and transparency. The prolonged wait without any indication of progress has caused immense frustration, XXXX, and financial strain.
Consumer complaint received 2019-08-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AZ)

This complaint refers to a misleading and deceptive repayment structure that FedLoan Servicing presents to repay my student loan. 

The description that follows is the Graduated Repayment Plan on the FedLoan Servicing website, " With Graduated Repayment, your payments start out low and gradually increase over the life of the loan ( typically every 2-4 years ). '' Since 2013 I have paid {$12000.00} to FedLoan. On time. I realized that {$1200.00} has been paid towards principal, with {$10000.00} paid towards interest. My loan started at {$31000.00} at the time of disbursement and the current balance on the loan is still idling at {$31000.00}. The interest rate on my loan is 5.5 %, so it puzzled me, until I realized the deception in the language used to present this, Graduated Repayment Plan. 

It is considered, deceptive language, to define a Graduated Repayment Plan as such, because this plan does not explicitly explain to the borrower that there will be no repayment but rather, you will accrue, as by definition : compound interest. Compound interest is not defined by any means in such text. Thus, no repaying '' has truly accrued, since they set the base of this plan lower than what market standard interest allows, so for years I have been unknowingly accruing compound interest on top of the interest that was owed without any such knowledge due to the definitive terms and text used at signing. 

I will add, and this goes without saying, the emotional and psychological duress of paying this loan back on time since 2013, never having missed a payment, never having had a payment arrive tardy, to only find out that I was sold fraudulent terms, undermining my trust with misleading terms within, have made me lose total hope of arriving at a place where I could be considered debt-free. 

Thank you for your time.
Consumer complaint received 2024-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MD)

I called Mohela to be placed in the SAVE plan in XXXX. I talked to an agent, we discussed my estimated payment to be around $ XXXX. I was then auto-debited around {$1200.00} in XXXX for my first payment, which overdrafted my account. I called back ; after hours of hold music, I was told the last agent wrote in the notes I should be put in the XXXX plan, but enrolled me in the wrong IBR plan. I was asked if I would like the full XXXX payment refunded to me or the difference ( XXXX amount less the correct XXXX payment of $ XXXX ). I chose the latter. I was told I would be placed in administrative forebearance through XX/XX/XXXX. 

I am still receiving notices that I missed my XXXX payment. I have tried to talk to agents, and I just get hold music and confirmations that yes, the information I have is the information they have, but I will continue to receive " late payment '' notices until I die.
Consumer complaint received 2022-06-12
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: Convergent Resources, Inc. (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I had a lost card and closed the account.  The banks always tell you that you need to update information for auto pay accounts.  I had had a problem with a XXXX account I couldn't close so I thought that this would go away, but it turns out the B of A transfers the payment to the new card without the knowledge of the consumer.  This means that you can't stop charges even if you get a new card.  I don't believe it should be legal for the bank to give out your new card number without giving you the option to say no.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (NC)

Mohela has consistently failed to respond to emails since taking over my student loans. After applying for forgiveness, I spent nearly a month last year attempting to make contact with the vendor. PSLF was ultimately processed on XX/XX/year> ; however, the company never sent updated information to the credit bureaus. I've made numerous attempts to request that Mohela update this information, but they have failed to respond. I'm made some progress by disputing each of the loans directly with the credit bureaus, but this is an unnecessary burden that could easy be resolved if Mohela would respond to my emails.
Consumer complaint received 2019-09-06
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. (AL)

I have filed numerous disputes advising the credit bureau that the public records listed on my credit report are not mine and is from identity theft. 

I have been advised that they have investigated but will not provide me the person name they spoke with to verify. 

Ive provided police reports, identity theft reports and documents from the courts to support that they have not been contacted to verify this information.
Consumer complaint received 2019-09-06
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. (AL)

I have filed numerous disputes advising the credit bureau that the public records listed on my credit report are not mine and is from identity theft. 

I have been advised that they have investigated but will not provide me the person name they spoke with to verify. 

Ive provided police reports, identity theft reports and documents from the courts to support that they have not been contacted to verify this information.
Consumer complaint received 2021-12-06
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)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2019-09-06
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. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services LLC. P.O. XXXX XXXX. XXXX, GA XXXX. 
To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following company : 1. XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 2.XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 3.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX 4 . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX 5.EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX ( XXXX ) XXXX 6.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 7.XXXX XXXX XXXX XXXX, OH XXXX 8.XXXX XXXX, NA XXXX XXXX  XXXX XXXX XXXX , UT XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature. 
I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. ( XXXX ) Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611. 

XXXX XXXX
Consumer complaint received 2018-04-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A. (FL)

I had a five year home equity loan with Citibank. I had two years left on the loan before expiration and decided I wanted to extend it to a ten year loan. I contacted them and started the loan process to do this. I was approved and obtained a ten year home equity loan. After all the paperwork and legal documents were processed I was the loan became effective I was billed {$1100.00} for terminating loan before it's expiration. I had no idea there were fees to be billed because I was under the impression I was only extending out the first loan for a longer term. At no point did anyone I dealt with disclose or make me aware of these fees or I would not have chosen to proceed. I tried to discuss and clear up with the rep I dealt with and she also agreed that they didn't disclose this fee to me. She as well as myself have been unable to get these fees reversed. I sent a letterXX/XX/XXXX to Citibank to consumer credit, another XX/XX/XXXX also to consumer credit and also on XX/XX/XXXX to Citibank attention XXXX XXXX. On XX/XX/XXXX I sent a fax to XXXX XXXX at Citibank and had numerous phone calls with XXXX XXXX and Consumer Credit at Citibank. No one was able to resolve this for me. In the state of FL there are full disclosure laws. None of these fees were disclosed to me at the time of the loan or I would have chosen not to do so.