davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

I was just made aware of an unauthorized fees on my account since XXXX, I called Lowes Synchrony and was told to call XXXX XXXX. This is a formal request to dispute all charges from XXXX  from XXXX XXXX as I did not sign up for their services. Attached is a copy of the dispute form along with a detailed workbook requesting the return of {$10000.00} plus any associated interest and late fees on my account. XXXX XXXX could not provide any proof regarding these transactions. I received all copies of credit card statements yesterday, XXXX XXXX, and have performed a detailed audit. I did not ever agree to signing up for this " service '' from XXXX XXXX as my credit card was set up in store.
Consumer complaint received 2018-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

Last XXXX we had some extra money after taxes, so we decided to send it to the mortgage company to apply towards our principle. Our payment each month is automatically drafted, and never have we missed a payment. On XX/XX/XXXX I noticed that my payments were not being drafted as usual, so I called the company. They couldn't tell me why the auto draft wasn't working, but at that time he told me that I was paid up until XX/XX/XXXX. They had taken my payment of {$5100.00} I sent extra in XX/XX/XXXX and reversed it the next day and applied it towards monthly payments instead. This didn't reduce my principle like it should have and I continued to pay interest on a higher balance. The customer service person said they would fix it and I see there have been many adjustments to my account, but not in my favor. Currently they say I owe exactly the same principle balance that I did last XX/XX/XXXX that I do now. I have paid a total of {$16000.00} over the past 7 months, and over {$6200.00} was extra principle payments above my mortgage payment. If PennyMac is doing this to my account, I can only imagine how many other accounts they are doing this to.
Consumer complaint received 2024-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CT)

I put in a request to change my payment due date XX/XX/XXXX. At the time I was told my request would go into effect XX/XX/XXXX. I called back today XX/XX/XXXX and the request is still pending. I was just told that requests are taking a minimum of 120 days to process. I believe a due date change is simple for an account in good standing and dont understand a nearly 4 month lag time to complete this.
Consumer complaint received 2018-05-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (MA)

I requested XXXX on XX/XX/2017 and I have been paying XXXX every two weeks since then. they are over charging me on interest and fees. percentage rate of interest is 693.49 %. I have paid a total of XXXX so far
Consumer complaint received 2018-11-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

On XX/XX/18 I sent XXXX  a letter asking them to validate these alleged debts. On XXXX XXXX I received a letter from them saying they didn't see any inaccuracies on their end. As you can see in the letter of validation I sent them they didn't provide me with anything I had requested. XXXX  failed to validate the alleged debt. Also, XXXX  is also NOT allowed to be collecting debts in the state of Texas. They don't have a bond or a license in the state of Texas. Not only has this company been reporting to each credit bureau every month, they are still trying to collect this alleged debt when they legally are not allowed to in my state. I attached all the letters and a screen shot of the Texas Secretary of State website showing this company is Not legally allowed to be collecting debts in my state.
Consumer complaint received 2023-03-16
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-07-12
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. (IL)

I have an account on my credit file being marked delinquent every month since XXXX. This account should not be reporting as such being that collection activity has stopped due to Covid and also school related University of XXXX has been found to be doing illegal things. I also qualify to have this removed under the borrowers defense
Consumer complaint received 2018-11-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TN)

XXXX XXXX XXXX processed a mortgage modification for my residence. I made the 3 trail payments and my mortgage servicing was sold to Rushmore Loan Management. Rushmore would not honor the previous modification agreement they increased my monthly mortgage payment and referred my loan to a foreclosure attorney. I do not think I have been treated fairly I've been working with XXXX XXXX at Rushmore as the single point of contact. She is unwilling to assist me with my mortgage as well as Rushmore Loan Management. I don't want to lose my home. 


See Attached
Consumer complaint received 2018-11-15
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: ERC (TX)

On XX/XX/2018 I sent ERC a debt validation letter and today XX/XX/18 I recieved a letter from them stating the debt was validated with a bill. Which is not validation.
Consumer complaint received 2018-11-15
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. (MD)

For the last year my wife and I have made consistent payments on my student loan via direct payment from our bank account. Every month Navient has returned the payments back to our account without any explanation. When I have called, the agents state there is no record of the payments being made and that I am delinquent on the account. I am currently being reported as 90+ days past due. I have called and written the company providing the requested bank account information proving the payments and returns. I have provided and have never received a response to my complaint or concerns. I am turning to you for your assistance and providing the same information I have provided via the Navient website and USPS.
Consumer complaint received 2023-03-21
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. (GA)

XXXX, XXXX XXXX, Equifax 2 accounts was opened fraudulently in my name while i was incarcerated in XXXX i have my proof of XXXX  documents and my police report and investigation. this shows that i could not have opened or used this accounts. but they still wont delete them of my credit. XXXX  and XXXX XXXX XXXX. both opened in XXXX  ive tried disputing them over and over again. my only option after this is taking it to court.
Consumer complaint received 2018-11-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelson and Kennard (WA)

On XX/XX/XXXX12, XXXX XXXX, of The Law Offices of Nelson and Kennard, won a judgment against me in the amount of {$5300.00}. 

We took steps to borrow the money owed after we feared for my husband 's job, and on XX/XX/2012 we went to our bank, and sent them a wire transfer for the full amount - {$5300.00}. We have documented proof from XXXX XXXX that the transfer was completed, paying the judgment in full. 

We were instructed to call once that was complete. We did, and were informed that they would be in touch within a few days, and that we would soon have our Satisfaction of Judgement. And that it would be filed with the court, and removed from our credit. 

We have contacted them on several occasions, spoke with multiple people, left messages with superiors, and requested each time to be given a receipt, proof of payment, satisfaction of judgment, and to fulfill their end and their legal requirements. They promise to do so, but never actually do anything. 

After six years, this is still an issue. They have not acted. And we are unable to get a home loan because of it, and my credit still suffers because of it. This company seems very unconcerned with fulfilling their legal obligations, but are very quick to threaten and take advantage of people who are unaware of debt collection laws and procedures.
Consumer complaint received 2023-03-21
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: VANDERBILT MORTGAGE & FINANCE, INC (AL)

Vanderbilt Mortgage is destroying my life. I am a XXXX, XXXX of XXXX children and a devoted wife. In 2021 Vanderbilt Mortgage through XXXX homes did not follow protocol by inspecting the home and land padding that I purchased from them. In result of this the state of Alabama inspector stated that the home was dangerous and I could potentially be killed because the home was set up incorrectly. I was devastated! I contacted them numerous of times, mailed letters etc and they failed to help so I gave the home back. Vanderbilt Mortgage promised that nothing negative would be placed on my credit but they lied to me. A few months after the took the home back and sold the home, Vanderbilt placed damaging information on my credit report although this was their error. Please help me and have them remove this false information from my credit report. They had a agent call me and threatened me on several occasions to pay {$20000.00} to them after they sold the home. I never lived in the home at all, the home was new. They set it up wrong and the home was damaged and shifting. Me and my family could have been killed because of their negligence.
Consumer complaint received 2022-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (TX)

Recently I, XXXX XXXX, was denied an extension of credit card by Navy Federal Credit Union. On XXXX XXXX, 2022 I applied for a cashRewards XXXX in good faith 15 U.S C 1691 ( a ) ( 3 ).

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and assume civil liability pursuant 15 U.S Code 1691 ( K ). Navy Federal Credit Union has violated my federal protection consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002
Consumer complaint received 2018-11-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (MI)

I don't know why I owe this company money or who they are. I am not sure how much I owe them but they have sued me. They have taken my state income taxes, my husband 's state income taxes and are about to take my paychecks as well. I am very scared, my husband hates me now, I might be fired from my job. I am terribly embarrassed and no one at this company will even speak to me. I have never had an account with this company and have no idea how I owe them money. HELP.
Consumer complaint received 2018-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I filed a dispute through XXXX, XXXX, and XXXX  to receive physical verification of my original instrument of indebtedness via certified US mail on XX/XX/2018. I received an electronic response from XXXX   XX/XX/18 through my credit monitoring account that this account has been updated without sending me any physical verification. Credit Acceptance has placed erroneous late payments, an inaccurate account status, and an inaccurate loan balance on my XXXX  credit report. XXXX has asked me electronically " why I want to dispute this account '' electronically when I specifically told them I want all correspondence to be by US mail. The question also makes no sense as I already told them why I was disputing this in the letter that I sent : " According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), 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. 
Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract, or MPN 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 below. Please also remove all non-account holding inquiries over 30 days old. ''
Consumer complaint received 2018-11-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: JPMORGAN CHASE & CO. (IN)

I am shopping around for the best interest rate. I was not told this would result in a HARD inquiry on my score LOWERING my points. I am furious and would like it removed immediately please. Other places I have shopped around have NOT resulted in a hard inquiry, CHASE is the only one who had and did not disclose it. Thank you.
Consumer complaint received 2017-11-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (PA)

XXXX XXXX aka XXXX XXXX XXXX XXXX keeps calling me from spoof telephone numbers, from spoof telephone numbers on their mailings, and the Supervisor who acknowledges speaking to me several times changes her name from XXXX XXXX then XXXX XXXX 10 days later. At each phone call I asked them to turn the recorder off, which they said they did. In XX/XX/XXXX they told me I owed {$2100.00}, on XX/XX/XXXX {$1300.00}, and on XX/XX/XXXX said {$1900.00}. This debt was from Comenity Bank from XX/XX/XXXX. This was from a XXXX XXXX and XXXX of a XXXX that had to be done emergently before I had XXXX. My credit score was low because my ex left the marriage while having an affair, took his new car out of state, and stopled making the payments. I was making regular monthly payments on the Comenity account of {$100.00} {$200.00}, until I became ill and had to have a 15 hour XXXX XXXX, another 15 hour XXXX XXXX, and is 6 hour XXXX XXXX. By the time I had myself together and was home, Commenity brought all the interest 22.29 % forward. I explained my circumstances to XXXX and to XXXX, but they just would n't do anything. I offered to pay {$30.00} a month to Comenity and to XXXX and they refused. I told them I am I am on Social Security XXXX, and XXXX XXXX aka XXXX XXXX started getting loud with me telling me she 's going to ruin my credit. I offered to pay {$35.00} a month, which is all I can afford. She did not want that amount. She said that she will continue to to ruin my credit. I said to her, " do not call me anymore unless you want to accept my offer of $ XXXX month, on XX/XX/XXXX. She continues to call me. All of the callers sound like they are from XXXX and are difficult to understand. She asked me for a check for {$900.00} to pay it off in one time. I told her if I had it, that I would not have this problem. They are just unreasonable and want to harass people and will not work with you. They would rather ruin your credit and harass you than take a monthly payment. They call from spoof numbers to get you to answer. They send different telephone numbers and conflicting information in the mail. It is to plain harassment. I have copies of their mailings and documentation of their phone calls. I'am happy to submit them to you, if you tell me where.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rent Recovery Solutions (GA)

RENT RECOVERY SOLUTIONS ILLEGALLY AND FRAUDULENTLY ACCESSED MY PERSONAL INFORMATION FROM XXXX XXXX ( ACCOUNT XXXX ). RENT RECOVERY SOLUTIONS DID NOT RECEIVE DISCLOSURE FORMS FROM REGAL VISTA WITH MY CONSENT STATING THAT I GIVE PERMISSION TO SHARE MY PERSONAL INFORMATION WITH A 3RD PARTY. RENT RECOVERY SOLUTIONS HAS VIOLATED MY RIGHTS BY COMMITTING IDENTITY FRAUD!!! ( ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 15usc 6801 Protection of Non- Public Information. ) 15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received. 1. Creditor making me aware that they will disclose my information to a non-affiliated 3rd party. 2. Creditor giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party. 3. Creditor giving me an explanation how to exercise the non-disclosure options. 15 usc 6802 Disclosure of Institution Practice Policy
Consumer complaint received 2020-09-23
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (OH)

I currently have the Relicard associated with Ohio unemployment. I have had my account locked since at least XX/XX/XXXX when I noticed I could not use my card to make purchases or withdrawal funds. I called customer service and was given the run around about my card being locked due to possible fraud. I was told to fax my ID and proof of address to a fax number. I did that twice and was told they didnt receive them even though I had the fax confirmation page. I then went online and uploaded the documents. Then the rep said she received them and they were under review. I have called on multiple occasions almost every other day since XX/XX/XXXX and tried to get help with this situation. This is the only source of income I currently have and they are holding {$1800.00} that I need to pay my bills before I am evicted or my bills are shut off! They have told me that my account is still under review day in and day out and theres nothing they can do about it or to help me. I just need someone to unblock my card as there is no fraud on my account and I have already proved my identity to Ohio unemployment and now a third party company is holding my money.
Consumer complaint received 2018-11-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MI)

On XX/XX/XXXX I closed on a home through XXXX Mortgage and XXXX XXXX XXXX. XXXX XXXX XXXX received {$2200.00} in for XXXX Winter Taxes in my Escrow along with other closing costs on the day of closing. According to my contract XXXX XXXX XXXX was responsible for appropriating my tax payments. I received a letter dated XX/XX/XXXX stating that my mortgage loan had been transferred to PennyMac Loan Services , LLC . I was instructed to pay them {$1000.00} monthly per my original contract and was insured that my payments and loan conditions would not change. On XX/XX/XXXX a whole year later PennyMac Loan Service, LLC unexpectantly increased my monthly payment amount to {$1100.00}. When I called and asked why they made a change they stated that the increase was to pay them back for the XXXX Winter Taxes. When PennyMac took over the loan from XXXX XXXX it was already in the contract for XXXX XXXX to disperse the funds to cover the XXXX taxes. PennyMac did not inform XXXX XXXX nor myself at any point of a payment being made outside of the original contract. They are now adding additional amounts to my monthly payments for the next twelve months to recover their {$1300.00} mistake. This appears to be a breach of contract and a violation of my consumer rights therefore I am requesting an investigation to search for illegal practices. My taxes did not increase therefore my payments should not increase on a fixed FHA loan. I have contacted them many times and they admit that they should have sent me notification of that payment sooner and want to discuss easier payment plans so they can recover their {$1300.00} on taxes that I had already paid at closing.
Consumer complaint received 2022-07-12
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. (AZ)

The list of information was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX