davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NE)

RE : XXXX Hello, I worked with you guys to get TD/TARGET RED CARD to follow the law under the Fair Credit Reporting Act as they stood in direct violation of them and continued to report information that was fraudulent to the bureaus despite being sent 2 police reports, FTC ID Theft Report, and mountains of paperwork. Their employees we incredibly hostile and rude all throughout and I always ended up hung up, with no callback, after a total talk time of about 15 minutes with the remaining hours stuck on hold, transferred around or " reverified. '' Target has done everything in its power to make this process a literal living nightmare that never ends.  Eventually, I had had enough- and thank XXXX for the CFPB, you stepped in and shortly after I received a letter from targets " Fraud General '' apologizing and ensuring all had been corrected and all drugstores removed with credit line restored.

I waited about a month and a half and still of the bureaus were showing incorrect info I attempted to call the number on the Fraud Generals letter and it just directed me to the main consumer line where the nightmare started all over. after a month of calling every day.. they FINALLY agreed to update it after numerous lies like " payment history is controlled by a computer system and there is no way for us to edit it, and NO you can't speak to a supervisor- then hang up, or " It's illegal for us to change that even though we know its incorrect. I have asked the bureau to check on THREE times and they all keep coming back with creditor verified the information to be accurate- no  change. 

I received a letter today, XX/XX/2019 stating that as of XX/XX/2019 target AGAIN reported to them that the information they are giving is right and I am lying. I even sent XXXX all of the supporting documentation including the note from the CFPB and Targets fraud general. The dispute denial I received today basically says they don ' care and it will remain. It is very negatively affecting my family to move out of very horrible living conditions and is preventing me from securing any more credit the start-up business I am running. I don't know how or why they can so blazingly ignore the law- please help. 

Thank You Very Much.
Consumer complaint received 2020-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc. (NC)

In XXXX, I subscribed to XXXX XXXX for $ XXXXmonth. Recently I received notice that the price is going up to {$64.00} on XX/XX/XXXX. I do not want to pay that amount and have desperately tried to cancel all of my cards associated on the XXXX XXXX  account. However, that fraudulent company called Google, Inc. will not allow me to cancel my payments even though I have cancelled my XXXX XXXX subscription. I do not and can not afford to have them bill my card on the XXXX of XXXX for that amount.
Consumer complaint received 2019-10-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (TX)

I took a loan out from my Wells Fargo 401 ( k ) in XXXX of 2016. The repayment plan is {$300.00} on the XXXX and XXXX of every month for 60 months via an ACH credit transaction initiated by Wells Fargo. 9 times now over the first 3 years of repaying this loan, Wells Fargo has taken out a double payment of {$600.00}. Each time this happens I have to spend an inordinate amount of time on the phone explaining the issue and following up to ensure I am re-credited the over drafted amount. I have also asked them repeatedly to identify the cause of this issue and work to rectify it. This should be a simple transaction for any bank, particularly one the size of Wells Fargo. At this point I have lost all confidence in Wells Fargo as a banking institution and their ability to correct their errors. They clearly don't care about their customers and I'm convinced they won't do anything to fix this issue until a federal agency steps in and forces them to. I am asking for your help. Thank you in advance for any assistance you can provide.
Consumer complaint received 2018-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (GA)

I currently have a mortgage loan through RoundPoint Mortgage Servicing Corporation. While attempting to have my Private Mortgage Insurance ( PMI ) removed, I was repeatedly provided inaccurate information regarding the time frame in which my appraisal would be valid causing me to be required to have a second appraisal of my residence completed to have the PMI removed. I contacted RoundPoint Mortgage Servicing Corporation Qualified Written Response Team by mail, as one is unable to speak to anyone with any information by phone, requesting the additional appraisal fee be removed from my account as the additional appraisal was due to inaccurate information provided to me by RoundPoint Mortgage Servicing Corporation. I received a written response, dated XX/XX/XXXX, from XXXX XXXX XXXX, Vice President of RoundPoint Mortgage Servicing Corporation, stating [ they ] are currently in the process of waiving the appraisal fee in the amount of {$390.00}. Previously, when contacting RoundPoint Mortgage Servicing Corporation by phone I was advised this fee was not due until the loan was paid off and I would not be charged interest on this fee so there was no point in paying it off early. The fee continued to appear on my monthly statement son on XX/XX/XXXX, I again contacted RoundPoint Mortgage Servicing Corporation and spoke with representative XXXX and supervisor XXXX, who both advised I should wait more as the write off removal was om the pending status. I continued to wait until the arrival of my current statement dated XX/XX/XXXX which indicated both appraisal fees were now currently due on XX/XX/XXXX. On XX/XX/XXXX, I again contacted RoundPoint Mortgage Servicing Corporation by phone and spoke with representative XXXX. She initially stated she was unable to locate any indicating my appraisal fee would be removed. I asked her to again reference the notes from my previous conversation with XXXX and XXXX as they were able to locate the information. XXXX was able to find the information and advised I should write another letter as it was still awaiting approval. I requested to speak with the department responsible for approval the removal and was advised I could not speak with them. I requested to speak with a supervisor and am still waiting to speak with someone.
Consumer complaint received 2019-10-04
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (AL)

I am a XXXX XXXX Veteran and received a VA loan from Freedom Mortgage in XXXX. I lost my job in early XXXX as a XXXX XXXX with the XXXX XXXX in XXXX, Alabama making over {$110000.00} annually due to a closing of the office. I found another position with another company making half of what I was making at {$56000.00} annually plus commission. I applied for a modification with Freedom Mortgage in early XXXX as I was going through a divorce and I was awarded the house and our XXXX children ages XXXX and XXXX. I sent paperwork as requested by Freedom Mortgage from XX/XX/XXXX until I was contacted with an approval in XX/XX/XXXX. I was paying {$1700.00} per month for my mortgage before the modification request and Freedom offered to lower my principle but increased by interest rate from 3.75 % to over 5 % therefore keeping my monthly rate the same and added the back payments which was over {$400.00} per month. The total modification would be over $ 2200 monthly. I had to file Chapter XXXX bankruptcy after receiving this approval to avoid them foreclosing on my home. I have been paying the back amount through my bankruptcy repayment however I am unable to afford the $ XXXX monthly payment and I am now 5 months behind and received a letter from Freedom Mortgage that they want release from the bankruptcy so that they can foreclose on the home. They have posted this pre-foreclosure for investors as I am receiving texts and mail about individuals requesting to purchase my home. This has caused a great deal of stress on me and my children. I am unable to rent anywhere due to my credit and bankruptcy. Freedom Mortgage could not have looked at my financial statements that they requested and determined that I could afford the same amount. This modification was not done in good faith. Again, I am a veteran and I do not want to lose my home with my XXXX children. Please help!
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I first found out that a fraudulent checking account was successfully made in Bank of America on XXXX. I was notified via email that the account was approved from a bona fide bank of america email address. The name of the account was Bank of America Advantage SafeBalance Banking. I called the bank to have the account shut down and create a fraud alert. I then froze my credit at all three credit bureaus XXXX XXXX, XXXX, and XXXX ) and called XXXX to create a fraud alert. Two days later, on XXXX, I again got an email saying that a checking account had been approved in my name. The name of the account was Bank of America Advantage SafeBalance Banking. I called the bank again to create a fraud alert and have it shut down. I asked the agent how this happened again if I put so a fraud alert at Bank of America, notified the three credit bureaus and also put a fraud alert on at XXXX. The agent 's response was that Bank of America only does soft background checks before approving accounts. She said since the person doing this fraud had my personal information, there was nothing Bank of America could do to guarantee this doesn't happen again. I also placed a checking a security freeze on my file via XXXX on XXXX.
Consumer complaint received 2023-06-13
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. (CA)

I have submitted the necessary supporting documents and I implore you to conduct a thorough investigation into this matter without delay. It is imperative that you take immediate action to remove the fraudulent inquiries from my credit report,
Consumer complaint received 2018-04-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

1. We have had a payment agreement with Navient since since XX/XX/2015. Year over year Navient keep raising our interest and the payment despite the fact that we have a limited income making very hard to continue with payments at this time. Also we have loans that after the initial settlement after the first class action law suit the interest was lower however they did not recalculated the loan interest base on the new rate causing some of the loans to double in a short period of this as well as they keep accruing interest over the interest they accrued at 22 % +. 
We have call and talk to supervisors and all they tell us is that " too bad you need to cut your expenses '' ( ask for the recordings that they keep and you will see it is all true ) which are already to the bear minimum. We were able to continue paying the loan with the low interest that we originally agree but they now refuse to continue with the original agreement and keeps raising the interest and the monthly payment.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

To Whom It May Concern, I have been fighting these collection agencies attempting to collect debts which I do not owe for over 7 years, not only are they too old to be reported, these charges were also made fraudulently and I have been asking for proof, such as signatures, dates, or anything that could help me show I did not make these purchases.
Consumer complaint received 2023-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (TX)

Around XX/XX/2021 Debt collection agency placed an account in collections from originally creditor XXXX  since then I have requested that this debt be validated providing me a contract that this is my debt I keep receiving a billing statement with a balance from receivable management as a debt validation ( this is not a form of validation ) aside from this collection agency keeps updating the balance every few weeks from XXXX XXXX to XXXX $ owed on the account which is illegal please delete this from my credit report as this collection is being reported illegally I have attached screen shots of the credit reporting where balances are being changed. I
Consumer complaint received 2019-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

Earlier this year I learned of the Temporary Expanded Public Service Loan Forgiveness opportunity and have applied as I have made the correct amount of payments and met all other conditions. However, I have been locked in an endless dialogue with FedLoan Servicing about my payment count for months. My payment count has constantly changed and my eligibility for TEPSLF turned down multiple times. I have called regularly and kept very accurate records of the content of my conversations. Attached you will find a detailed timeline of the runaround I have been given by FedLoan Servicing and the Department of Education. 

For some time, I wanted to believe that it was just a misunderstanding, or at worst incompetency, that prevented my application from being approved, but I am now under the distinct impression that my payment count is being purposely manipulated to keep me from qualifying for loan forgiveness under the TEPSLF program. Whatever the case, it is clear that their directive is prevent me from accessing total information about my loans and helping me in any way. I believe that some representatives are trying to do what they can it just seems something over them has put a halt to any progress. I know that FedLoan Servicing is up for a new contract with the current administration and I fear they are being overly zealous in preventing people from being approved for loan forgiveness to help in their bid for that contract since that is clearly what the administration wants. 

Also, there is a constant confusion between PSLF and TEPSLF. Having to apply for PSLF and be turned down and then request to be considered for TEPSLF has caused considerable confusion as to the actual number of my payment count. 

Furthermore, no one at any loan servicing agency ( XXXX XXXX XXXX or XXXX ) ever told me about PSLF or that I was on the wrong payment planand that I could switch to an IDR, let alone told me that making reduced payments and/or a forbearance would impact my payment count.Nothing they told me absolutely nothing and advised me to make an adverse decision about my loans rather than a very positive one.I learned about the PSLF program from a colleague at school in the summer of 2014. That means the program was in existence for 7 years and no one at my loan servicing agencies ever mentioned it. I began dealing with FedLoan Servicing after having my loans transferred there in the fall of 2014 so I could participate in the PSLF program. 

Currently, I am still waiting for the most recent TEPSLF count as I am once again under a lengthy review. I have also asked my Congressional Representative, XXXX XXXX, and the XXXX XXXX XXXX XXXX XXXX to intercede in my case. Representative XXXX has opened an inquiry into the case and the XXXX XXXX XXXX XXXX XXXX is waiting on FedLoan to receive some mystery documents from XXXX before they do anything. I do not expect much from them as they are an arm of the agency causing the issues.
Consumer complaint received 2019-10-04
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. (TN)

I'm trying to buy a new house ; so I had my credit checked just to see where I am credit wise. I noticed several things on my report that are completely foreign to me. A FTC and police report have already been made. These items are not mine and need to be deleted. USDA RUR DEV, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Chapter XXXX Bankruptcy.
Consumer complaint received 2019-04-11
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. (IL)

TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. I have included their internal file number ( XXXX ). My name, ssn, & address has not changed. TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report Should they continue in this course of action, I plan to take legal action but I want to create a paper trail. 

ACCOUNTS XXXX  XXXX never late XXXX XXXX XXXX not mine XXXX XXXX XXXXXXXX not mine XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX  XX/XX/2018 unauthorized XXXX XXXXXX/XX/2018 unauthorized XXXX XXXX XXXXXX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized
Consumer complaint received 2019-10-04
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. (PA)

Account # : XXXX This complaint is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I am disputing the following information directly with you, the furnisher of information, and I am AGAIN requesting that you conduct an investigation as outlined in the FCRA Section 623. I am again requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with any corresponding local state laws. 
I recently filed a dispute in with the CFPB on XX/XX/XXXX regarding this matter. I received a response back from XXXX XXXX. Per my request she failed to provide me with a copy of viable evidence, showing that the account is being reported accurately. 
Upon obtaining my credit reports again after her response, I still have several inaccuracies being reported across the three credit bureaus. This is direct violation of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681S-2 ] XXXX states in her letter to me that the said account was charged off on XX/XX/XXXX. She also confirmed that I settled the account on XX/XX/XXXX but it did not post until XX/XX/XXXX. She did not address the issues that I have mentioned regarding the inaccuracies being reported across all credit bureaus. The investigation I requested per her response was never conducted, another violation. 
Again. The following are being reported as follows Date of last activity : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Experian : none reported Late Reporting : Date XXXX Experian XXXX XX/XX/XXXX 60days 30days ND XX/XX/XXXX 90days 60 days ND XX/XX/XXXX 90days 60days ND XX/XX/XXXX 90days 60days ND XX/XX/XXXX 120days 90days ND XX/XX/XXXX ND FP ND XX/XX/XXXX ND FP ND XX/XX/XXXX ND FP ND Per XXXX response if the account was paid in XX/XX/XXXX, how are you reporting FP for XX/XX/XXXX with Experian? 

Im attaching proof of all my findings by providing copies of my credit reports across the bureaus. If you are not willing to provide me with some sort of proof to validate these reportings, I ask kindly that you delete or suppress this credit reporting due to the direct violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 )
Consumer complaint received 2018-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Cornerstone Holdings, Inc. (MT)

Two different medical institutions sent bills to XXXX XXXX XXXX as they did not bill to insurance, I paid these amounts directly to the individual healthcare entities, thus the two entries from XXXX should be removed from my reports, as this was never a collection issue it was the problem of the billing of the healthcare entity that did not bill insurance
Consumer complaint received 2019-10-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MO)

My son went to XXXX XXXX XXXX in XXXX Missouri in 2007. I was terribly upset when they kept adding more and more dept to the student loan that I did not approve of I did cosign for his 1st semester but the school was not disclosing all the debt that they kept adding on. My son should have had his associates when he left and we also never was able to receive a copy of it or transcripts for our records. At the time they put me way over what I had agreed to which was about XXXX and the debt reached far above that. Is there any way to get out from under this debt? I feel the school did not explain and was not honest with us and this has burdened me and my son now for years. He ended up going into the XXXX after school because he was unable to get work in the computer field after going to school for it.
Consumer complaint received 2019-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XXXX XXXX, 2019, my husband applied for a loan online and was linked up with XXXX XXXX to process this loan. He was informed that several deposits would be made to his personal checking account and that he was too purchase gift cards, specifically 4 of them, in the amounts of {$500.00} each, with these funds that were being deposited into his account. By the time he realized that this may be some sort of scam, there had been {$2400.00} withdrawn from our joint checking account ( for which the information for this account had not been disclosed. ) We have addressed this issue with the bank and have filed a police report. Our bank will not work with us and is simply stating that the funds were legally transferred from the joint account to my husband 's personal account.