davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-11
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. (IL)

I have submitted 5 different disputes about a Bankruptcy on my credit report asking for verification as to who, when and how it was verified. As of this moment I have yet to receive it. Experian had no permissible purpose to have my personal and private information and to put a Bankruptcy on my consumer report. I have letters from the bankruptcy court stating that they do share or provide any of my private information. I also have the same letter from XXXX XXXX stating the same. I need the proof of what they did. I am asking for the credit bureau to send me the requested information as to who they spoke with, where, when, and how the verification was done.All they send me is a generic response saying it was verified. I am asking for the to give me the information requested by me and required by law.
Consumer complaint received 2021-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (WA)

XX/XX/2021 - {$15.00} - I received a phone call from XXXX, which said they were from Chase Bank Fraud Department. They asked if I authorized a purchase of the above amount. press 1 for yes and 2 for no. This was a recording. I pressed 2. Then the line went silence.

I called the number back and they asked me to input my account number or social security number, which I did not do. instead, I called Chase Bank and told them my problem. Chase Bank had to knowledge of this phone number. I also explained to Chase that my wallet was stolen 5 days ago and did not have my account number so I gave the representative my social security number to verify my account. I am afraid that by pressing 2 to the previous phone call that my conversation was recorded and someone may have compromised my social security number. 
I also received a text from XXXX asking of I authorized a purchase for the same amount, to which I responded NO.
Consumer complaint received 2018-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

I had by bank pay navient the monthly payment XXXX they paid on XX/XX/2018 I saw that navient didn't post it and had my account as late and added late charges. My bank called them and they said they got the payment but not sure why it didn't get credited to my account. Now it's a month later and nothing has happened except they keep calling and asking for payment..they say I should be getting the refund through the mail they can not put it thru my account. They have my money And I want it back so I can pay them. What should I do
Consumer complaint received 2019-10-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WESTSTAR MORTGAGE CORPORATION (AL)

Our VA mortgage to XXXX XXXX closed on XX/XX/XXXX with first payment due on XX/XX/XXXX. 

Before the first payment was due, we received a notice of servicing transfer. We called Weststar Mortgage ; their representative told us to send the payment to XXXX. 

We have made all of our mortgage payments to XXXX on time. 

Weststar Mortgage is saying the representative made a mistake, and that the XXXX payment should have been sent to them. 

The result is that Weststar Mortgage is incorrectly reporting our mortgage as seriously past-due. We have two mortgage accounts being reported to XXXX, XXXX, and XXXX. XXXX has not been responsive to our requests to correct this error. 

XXXX XXXX and Weststar Mortgage are affiliated companies.
Consumer complaint received 2018-04-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

This originated from XXXX. I tried calling to get verification from XXXX which they have closed the account and XXXX XXXX is the collection agency. I have never received any mail from midland I have just seen it show up on my credit report. I am recently divorced and the debt was awarded to my ex husband in the divorce. I do know the debt with XXXX was not {$2800.00} which midland states. when I called to give divorce paper work the guy told me they are suing me but yet ive never had any mail or anything about paying them at all. Even when calling XXXX I was told not to worry about it and to disregard. I do know they can not charge more for a debt than the original debt was its illegal.
Consumer complaint received 2019-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX and Transunion are reporting incorrectly a collection in the amount of {$200.00} on the XXXX. XXXX, XXXX, ( original creditor : XXXX XXXX XXXX ) account number XXXX. ( Please see page 5 attached from my credit report. ) This account has been paid in full and should not be reporting on my credit report. XXXX.XXXX. XXXX, XXXX, and I had an agreement that when I paid this account off, they would request a deletion of this item with the reporting bureaus. This incorrect reporting of a collection is harming my credit score and this line item needs to be deleted. I have contacted the ( 2 ) bureaus to remove this line item however, I have not been successful.
Consumer complaint received 2018-03-10
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: BARCLAYS BANK DELAWARE (NC)

I have contacted the credit reporting agencies numerous times over the past year to have them dispute these credit inquiries from my credit report. Each time I have called and asked to have them to dispute the inquiries they have informed me to call the creditor directly to have them to correct the error. How can I contact the person listed on my credit without all the information needed to dispute it directly with the person that put it on my credit report.
Consumer complaint received 2022-06-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2022 I submitted a complaint with the CFPB ( case # XXXX ). In this complaint I noted that an account being reported was incorrect and it needed to be investigated and deleted due to incorrect information being reported. On XX/XX/2022, Equifax responded to my complaint stating that I would receive information from them after they received it from the furnisher regarding this account. To date, I have not received any information or communication regarding the status of this account or any information proving that this account belongs to me.
Consumer complaint received 2018-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (VA)

I paid my American Express balance in full in XXXX, based on the " unpaid balance due '' amount they published on their website ( not the statement balance ). American Express claimed I didn't pay in full because they hadn't posted the interest I had accrued on the " average daily balance for the month '' yet. They charged a full month 's interest on the balance I paid, even though it was not at the end of the month ( did not pro-rate the interest ), and because I owed this unstated interest, and the balance was considered " unpaid '', I continued to accrue additional interest on the unpaid balance. Even though I paid the stated balance due two months in a row, I continued to accrue unstated interest and thus, was considered to be carrying a balance. Additionally, according to American Express ' policy, by carrying this balance, I was not eligible for a grace period for any new purchases. A credit card 's standard grace period is 23 days before a purchase begins to accrue interest. However, because I was carrying a balance - this unstated interest amount - my purchases were not eligible for that 23 day grace period. ALL of my purchases began accruing interest on the day of purchase. The result was {$45.00} in interest due on a statement with {$62.00} purchase! I believe this policy represents usury, and is unethical, if not illegal.
Consumer complaint received 2018-03-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant Mercantile Agency (CA)

Grant Mercantile Agency Amount XXXX Date XX/XX/2016, Says open Tryed to get item removed i have No recalculation of this company or sign any contracted with them.. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed above.
Consumer complaint received 2024-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (TX)

I submitted a Monthly Payment to Mr. Cooper on XX/XX/2024 of {$2100.00}, of which {$730.00} was to principal and {$1400.00} was to interest. Loan balance after this payment was {$230000.00}. 

My loan has 7.365 % interest late. Last payment was XX/XX/2024. Therefore, this interest calculation was wrong, causing my outstanding balance being overstated, causing all of my subsequent payments to be wrong.
Consumer complaint received 2019-08-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (MD)

I was sent a preapproved offer and check via mail and negotiated the check and signed up for auto pay. The terms of the loan were on the back of the check interest rate etc. but never said payment amount, so after enrolling in auto pay they took XXXX per month which I assumed was the payment. It wasn't until recently I looked at my credit report and saw that I only owed {$88.00} and was excited and budgeted for that final auto withdraw when they actually took {$91.00} I called to ask why? They said it was a telephone convenience fee. I said I was in auto pay I did't pay by phone. They said oh its because you paid on the computer I repeated it was auto pay and there should be no fee, they put me on hold for a long time and said oh that was the monthly payment fee and I said provide me with documentation stating you were authorizzed or it was part of the terms to take an additional fee, they put me on hold for over 20 minutes and the call disconnected. I called back, the person was not available, I left a message. He called back but I missed it, I called back and he said it was a mistake and they had been charging me a monthly fee for the life of the loan and would refund it. 

I did get the refund check which is incorrect in its amount does not include interest and should they pay me a penalty and how many other unsuspecting people have they ripped off who were unaware. 

i would like an audit of their accounts. I have attached a copy of the check they cut me showing they admit to overcharging and I can forward a copy tomorrow of the original check with the total terms of the agreement which did not include a surcharge. I hope an audit is done of their practices. Additionally i didn ; t think you are allowed to charge 33 % and I think it is irresponsible to target low income people with instant money with such high interest rates i have also found tons of complaints from others on line of their practices. 

I hope you will randomly audit their customers to see how many others have been violated and should they not owe me money for each unethical unauthorized charge to my personal checking account as well as an accurate repayment of fees and interest.
Consumer complaint received 2019-08-26
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. (KY)

I took out a Federal Parent Plus loan in XXXX. I made some payments, then went back to school, loans were deferred. Each year, after I graduated in XXXX, I applied for income driven loan payments. All my student loans have always been approved for income based payments, as this years, but Navient decided to deny approval. They not only denied but never notified me of the denial. When I did discover, by accident, they informed me I was late on my payments. I requested by phone and email to send detail information. The only thing I received from them was a payment booklet. I began making monthly payments using the booklet, but I remain to get phone calls from them, several times a day, saying I was late on my payments. I explained that I started making the payments, as the payment booklet states, but the lady said booklet was incorrect and I am a month behind. I asked that this be corrected and late fees be removed because it was their error. She refused to help assist me in anyway. I am asking that all late fees be removed and any negative remarks on my credit report be corrected.
Consumer complaint received 2018-03-10
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. (MD)

My complaint against Experian anf XXXX  is unresolved. 

The general reporting requirement under Federal Law is that 10 years of credit information is the only information is required. Information over the ten year limit is prohibited because it can lead to age discrimination. Experian and XXXX  are not aware of that law. 

Other discrepancies also exist. Experian nor XXXX have not responded to these complaints. I will outline all of these in the following : XXXX XXXX XXXX account XXXX account has a balance of {$3000.00} out of a credit limit of XXXX. They list the credit outstanding as XXXX. Wrong. 

XXXX accounts balances are XXXX. They list it as XXXX for one and XXXX for the second. Wrong. 

XXXX XXXX XXXX has a balance of XXXX. They list it as XXXX. Wrong. 

XXXX card XXXX of XX/XX/XXXX is listed as delinquent. First this a fraudulent account that they were made aware of in in XXXX. Second it exceeds 10 years and should be removed from the reporting. 

XXXX card XXXX dated XX/XX/XXXX is listed as delinquent. First this a fraudulent account that they were made aware of in in XXXX. Second it exceeds 10 years and should be removed from the reporting. 

XXXX card XXXX dated XX/XX/XXXX is listed as delinquent. First this a fraudulent account that they were made aware of in in XXXX. Second it exceeds 10 years and should be removed from the reporting. 

XXXX card XXXX dated XX/XX/XXXX is listed as a XXXX   balance. This account exceeds 10 years and should be removed from the reporting. 

XXXX card  XXXX dated XX/XX/XXXX is listed as a XXXX  balance. This account exceeds 10 years and should be removed from the reporting. 

XXXX XXXX XXXX dated XX/XX/XXXX is listed as a XXXX balance. This account exceeds 10 years and should be removed from the reporting. 

XXXX XXXX dated XX/XX/XXXX is listed as a XXXX  balance. This account exceeds 10 years and should be removed from the reporting. 

XXXX XXXX dated XX/XX/XXXX is listed as a XXXX balance. This account exceeds 10 years and should be removed from the reporting. 

Overall there are no delinquencies and no late payments. The Experian reporting always lists those terms and they are without credible data. 

I would like Experian and XXXX to correct their reporting and provide me with the corrected report.
Consumer complaint received 2022-06-11
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONSE.
Consumer complaint received 2019-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MI)

I paid XXXX XXXX XXXX a Settlement amount on XX/XX/19 yet they wont contact XXXX that its paid and its still on my credit report Transworld System inc also is on my credit report for XXXX I sent them a copy showing them that I paid it Why cant I get this off Also XXXX Still says I owe them??
Consumer complaint received 2018-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent the attached investigation request to Trans Union on XX/XX/XXXX. They are supposed to respond within 30 days, but they have not.
Consumer complaint received 2022-06-11
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. (IL)

I have submitted 5 different disputes about a Bankruptcy on my credit report asking for verification as to who, when and how it was verified. As of this moment I have yet to receive it. Equifax had no permissible purpose to have my personal and private information and to put a Bankruptcy on my consumer report. I have letters from the bankruptcy court stating that they do share or provide any of my private information. I also have the same letter from XXXX XXXX stating the same. I need the proof of what they did. I am asking for the credit bureau to send me the requested information as to who they spoke with, where, when, and how the verification was done.All they send me is a generic response saying it was verified. I am asking for the to give me the information requested by me and required by law.
Consumer complaint received 2018-03-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IA)

I was approved for an FHA loan - 30 year, fixed, 3.5 % interest rate - originally through XXXX XXXX XXXX. Very soon afterwards, my mortgage was sold to Freedom Mortgage. Due to having some health issues, I had to take off some time from work and became late in my payments. During that time, I was generally about a month behind. The company would discuss loan modification with me, but then would generally comment that they would not recommend I do the loan modification and instead I should just try my best to catch up on payments. In the process of trying to get all that settled, I had several things happen which made me about two months behind. Just when I was getting caught up, I was notified that my mortgage was increasing from {$1000.00} to {$1600.00}. When I called about this significant increase, I was told that the company had completed an Escrow Analysis and determined that they were not having me pay enough to meet my property tax  requirements. Initially my payment was broke down as follows : principal {$880.00}, escrow {$150.00}. They said that they had increased my escrow payments to {$510.00}. Additionally, they said that I had a deficit in my escrow and therefore, I would have to pay an additional {$290.00} per month towards that. When I asked why they had not recognized this issue from the get go, they told me that my house was a new development and therefore they did not have the tax information. However, my parents have had a house built in the same area that I live in and their escrow payment for taxes and insurance was assessed properly. I was a first time home buyer, no one explained caught this oversight during closing or any time before I closed. Although I was able to borrow the money to pay the deficit in the escrow, my payment has still increased significantly. I am afraid that I will lose my home. Are there any suggestions on how to address this? I have continued the loan modification process, although, every time I turn around there is something they need that they never said anything about before. I just would like help with guiding me through this process.
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PENTAGON FEDERAL CREDIT UNION (NY)

I am a victim of Identity Theft. I responded to an email that led me to an unverified site that causes my account including my credit card information to be hacked by someone I do not know. I did not make a Credit purchased from them which appears on my credit report. I already filed a police report about this fraud incident. It was opened on XX/XX/2018
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX reported me as 30 days late when i did not recieve a statement to pay from, they never called me or emailed me or texted me to notify me they would report a 30 days late even though i have had account with them for many many years and HAVE NEVER BEEN LATE> As soon as I was notified i corrected the issue.
Consumer complaint received 2022-02-02
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. (MO)

I contacted the credit reporting agencies to obtain a copy of my credit reports and when I received them, I seen the reports were filled with inquiries and accounts that were either charged off or in collection under my name. I contacted these companies an informed them these accounts had to be in error because I have no knowledge of them I requested the companies provide me with documentation of the original contracts with dates & both parties ( my Signature as well as the Companies ) signature on the documentation they could do no such thing. I also have tried disputing these inaccuracies through the credit bureaus, they have done nothing besides ignore me the companies have not provided me with any proof of contracts/documentations or anything, but instead the credit bureaus continues to report these accounts as accurate I really need my information reported correctly and the credit bureau should not be allowed to report this in accurate information to other parties it is outright slander.