davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-26
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. (GA)

I went to XXXX XXXX College from XXXX to XXXX. The school lost its accreditation and I'm still working to pay off this loan. My loan was consolidated by Navient to where I have been making payments for years. In not really understanding the interest and payment plans I often asked for payment to apply to the principal or what reasonable plan I can manage to do so. They offered a plan with a massive amount of over {$500.00} a month and other plans that would not benefit me so reluctantly I opt for the income driven plan. I later notice that my interest are higher than my payments. Evan when i over pay. My balance never decreases. Each month it increases. I'm only paying interest, nothing goes to the principal balance, not 1.00 dollar. I thought this was against the law. I am compliant. Navient does not have to call and hunt me down to make my payments. I work as a XXXX XXXX for XXXX but can not apply for a forgiveness because it's XXXX XXXX. I understand that I took this loan but do not understand how it can be paid off. I am trapped. If I fail to pay they will take it from from tax returns and my credit destroyed. Getting a better education should not result in feeling this way. This wrong.
Consumer complaint received 2019-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST CENTENNIAL MORTGAGE CORP (CO)

My wife and I have always had excellent credit and have never missed a mortgage payment. We own several rental properties and have mortgages on many of them. Our credit scores are above 800. 

We took out a new mortgage in XX/XX/2019with First Centennial Mortgage. Our first payment due date was XX/XX/2019. I wrote a check for the XXXX mortgage payment and mailed it to an address in XXXX, IL. The check was received and cashed on XX/XX/2019. 

After the XXXX payment, we were notified the loan was being transferred to First Centennial Mortgage ( by XXXX XXXX ), located in XXXX XXXX, Il. It was after this transfer where everything has gotten messed up, and has not been resolved. 

After I made the XXXX mortgage payment on XX/XX/19, I noticed a late charge of {$46.00} had been added to our account,  and I wanted it removed since I knew that I had not made any mortgage payments late. I called the customer service number at First Centennial/XXXX, and they said that the late fee was transferred from the previous servicer because the XXXX payment was late. I sent them a copy of the canceled check proving that I made the XXXX mortgage payment on time and that should not warrant a late fee. After some time went by, and no resolution, I called the customer service number again, and asked for the late fee to be waived. They told me again that it was transferred to them from the previous servicer, but they saw the check that I had provided and they would waive the fee and it would be removed. 

In looking at the transaction history of our account on their website, on XX/XX/19, it appears that they reversed the XXXX and XXXX mortgage payments in their system in order to waive the late fee. Then, they re-applied the XXXX and XXXX mortgage payments to my account on XX/XX/19. Whatever they did in their system now has my account flagged as a delinquent account that is late on the mortgage payment. I'm receiving notices in the mail indicating the account is past due and they are looking to provide solutions for us to avoid foreclosure or bankruptcy. 

We have done nothing other than make each mortgage payment when it was due, and I wanted to have a late fee removed that should not have been applied. Now, I'm being treated like a deadbeat   who can't afford the mortgage payment and needs to find a solution to avoid a foreclosure on the property. 

I would think that an experienced mortgage servicer has a better system in place to receive new loans, and how to properly get them set up in their system. My experience with First Centennial/XXXX has been nothing short of a complete disaster. I need for them to get their system updated to reflect the account as current. Then, I will set up automatic payments every month so the mortgage payment is made, and I will never have to contact their customer service department again.
Consumer complaint received 2019-06-26
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: Experian Information Solutions Inc. (FL)

Some one has use my social security and got school loans from the Dept of Education/ XXXX . I  contacted them about this. They been giving me a run around.It been over 5 years. They never respond.
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have Contacted the department of education to investigate my student loan the for profit school that illegally got me into it under the lie that my credits where accredit and I could transfer into any school with also my master promissary note that didn't have my signature on it it wasn't mine it was electronic and I signed all my financial aid work at XXXX XXXX   failed to provide my original promissary note. Yet they continue to report to the credit bureau during an ongoing investigation that according to the news in the paper could last year 's and in the process there during destroying my credit
Consumer complaint received 2019-06-26
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: Experian Information Solutions Inc. (NY)

I have loans and credit cards listed on my credit report that I have no knowledge of. Someone has been using my credit before I even got the chance to. I never gave anyone access to any of my personal information. Below are accounts XXXX XXXX XXXX   XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX XX/XX/XXXX {$19000.00}
Consumer complaint received 2019-06-26
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. (NY)

I have loans and credit cards listed on my credit report that I have no knowledge of. Someone has been using my credit before I even got the chance to. I never gave anyone access to any of my personal information. Below are accounts XXXX  XXXX  XXXX  XX/XX/XXXX {$1700.00} XXXX XXXX  XXXX/XXXX XXXX XX/XX/XXXX {$600.00} XXXX  XXXX XXXX  XX/XX/XXXX {$19000.00}
Consumer complaint received 2019-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NY)

I was improperly charged egregious overdraft fees in the amount of {$210.00} overall from TD Bank. This started on XX/XX/XXXX when TD charged me a overdraft fee of {$70.00} when I had money reflecting in my available balance. This bank uses deceptive practices to maximize the amount of overdraft fees they can charge. TD bank blames their system for not accurately reporting the correct amount of balance available. This is false advertisement and unethical behavior for such business to practice. This violates my consumer protection laws.
Consumer complaint received 2023-08-17
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE XX/XX/XXXX
Consumer complaint received 2016-12-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY (NJ)

TD Bank accepted and processed my Additional Principal payment of {$5000.00} immediately on Monday, XXXX XXXX, 2016. The money was withdrawn from my account instantaneously. The payment still had not been recorded as of Monday, XXXX XXXX, 2016, after fourteen ( 14 ) days. When inquiring about the status of the payment at my local bank branch both the Branch Manager and Customer Service representative learned that the exact location of the {$5000.00} is unknown. I have no complaints and in fact compliment both the Manager and Customer Service Rep at my local branch because they did all they could but even after an hour there was no resolution. They promised to pick up the trail today. 

The loan department indicated that this is an ongoing problem at TD Bank mortgage division for IT reasons and that I should " call them '' in advance of making an extra payment - presumably so they can " look out '' for the transfer of funds so they do n't get " lost ''. This has happened to me before but the last time the money was " found '' after three ( 3 ) days. 

So I, as a consumer am being forced to give TD Bank an interest-free loan of {$5000.00} while my regular mortgage accrues an additional 14 days of interest. I view this as a tactic to discourage consumers from pre-paying the loan which is allowed under the terms of my mortgage. In addition, I am becoming seriously concerned about the solvency of TD Bank when they are hiding money for two weeks. If I did n't complain would the payment ever be recorded properly???
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I disputed this alleged debt online, I mail formal dispute to both collection agency XX/XX/2023 who are reporting the alleged debt to my consumer report and I requested document proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service; the name of the patient ; and the proof that there is some contractual obligation which is binding me to pay this debt. One of the letters I sent is still in transit and hasn't been deliver, which can only lead me to XXXX XXXXXXXX XXXX is reporting a false address on my consumer report and is not allowing me to exercise my rights to dispute anything on my credit report that is inaccurate. I was never notified in writing in reference to this alleged debt. Which is a violation of 15 USC 1692g. The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

I have been attempting to claim my annual free credit report from, Experian, XXXX, and XXXX on annual credit report.com and after filling out my infomation it told me that It could not verify my identity and that i would have to mail my information to the po box of the bureau and I have not due to fear of the information i have aready lost and even greater fear that my identity may have been compromised I have tried to get my free report multiple times but to no avail.
Consumer complaint received 2019-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

On XX/XX/2019 XXXX XXXX XXXX in XXXX XXXX, WA informed me that my mortgage was sold to Loan Care, LLC in XXXX XXXX, VA. I contacted XXXX XXXX to ask about my automatic payments directly from my checking account. They suggested that I wait for a welcome packet from Loan Care before doing anything. On Monday, XX/XX/XXXX I contacted Loan Care and told the person on the phone that I did not receive anything from them by mail. However I did get an email, which I do not find acceptable since emails from unknown parties can not be trusted. I was assured that a packet was being mailed out. I just received a call from Loan Care telling me that my mortgage number was not loaded in their system. I gave this person the loan number from the XX/XX/XXXX letter. I was told it would now take 5-10 business days to receive the welcome packet, which will put the receipt into the week of XX/XX/XXXX since I live on the West Coast and it could take much longer than 5 days. 

Loan Care seems to have some very flawed procedures and their business practices are very questionable. I am wondering if they are a bona fide mortgage lender and would like the CFPB to look into the Company. They certainly have be very concerned about the efficacy of the operation and ability to handle my mortgage. 

Please let me know what you find out.
Consumer complaint received 2019-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (KY)

XX/XX/2018 : Credit limit lowered, chase bank siting overall credit utilization too high ( 53 % ) even though utilization is lower than it was before a balance transfer to a new card/issuer. My card was nearly maxed out with chase so to make it easier to get out of debt, I transferred the balance to a new card/company with a lower interest rate and higher credit limit to keep overall utilization down. The existing balance did not give chase reason to reduce my limit until after it was transferred and they were no longer making money off the interest. This reduction has negatively impacted my credit score. And they will not review without doing a hard inquiry on my credit, which can also lower the score.
Consumer complaint received 2019-10-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

A check for over {$1000.00} was deposited into my account. While I was waiting for it to be approved, I got locked out of my account. I called Chase and they told me they choose to no longer bank with me but won't give me any reason as to why. All I did was deposit a check.
Consumer complaint received 2023-08-17
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. (OH)

I currently have four fraudulent accounts appearing on my credit report. 

1. XXXXXXXX XXXX XXXXXXXX {$160.00} 2. XXXX XXXX XXXX {$240.00} 3. XXXX XXXX {$190.00} 4. XXXX XXXX {$230.00}
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Phoenix Financial Services LLC (SC)

Phoenix Financial Services ( PFS ) called me in XXXX asking for payment on a auto loan that was repossessed in XXXX. After talking with the rep I told them I had no intentions of paying the debt and the call was ended. A few weeks following the call I pulled my credit reports to get updated information and I saw that PFS had placed a new account on my credit reports on date XXXX dropping my FICO score of 28 points. I called the company after reviewing the information on my reports and explained some of my concern with the rep that took my call. She informed my that she would get a manager on the phone with me. I was then transferred to a manager/supervisor. He asked me to verify some information for him and some of the information he had on his file was incorrect such as my date of birth .After asking this information he stated that the debt isn't " new '' but that the date the account shows on my credit report must be the date they received the account. He did not even see that they had placed anything on reports, at which point I advised him they had and he needed up to date information. I asked the manager if this was a example of aging an old debt, and he advised me that no it was not, and once ( if ) the account leaves their office it would be removed from my reports. I then explained the original account from XXXX is now going on four years old and according to my reports it now looks as if this account just happened last month. He then stated they are here to help me get it off my reports by offering me a settlement. After rejecting this offer, he then said the call was wasting both our times, and I should seek legal representation. I then ended the call.
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (UT)

I have Contacted the department of education to investigate my student loan the for profit school that illegally got me into it under the lie that my credits where accredit and I could transfer into any school with also my master promissary note that didn't have my signature on it it wasn't mine it was electronic and I signed all my financial aid work at XXXX navient failed to provide my original promissary note. Yet they continue to report to the credit bureau during an ongoing investigation that according to the news in the paper could last year 's and in the process there during destroying my credit
Consumer complaint received 2023-08-17
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. (GA)

Regardless of the previous written requests, the fraudulent items listed below are still reporting on my credit report in violation of XXXX XXXX. They failed to comply with Fair Credit Reporting Act, Section 605b within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous items reporting on my Credit Report : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$190.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX Balance : {$610.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$190.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$610.00} ; XXXX XXXX Balance : {$550.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX Balance : {$90.00} ; XXXX XXXX Balance : {$730.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$190.00} ; XXXX XXXX Balance : {$110.00} ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Balance XXXX {$610.00} XXXX XXXX XXXX Balance : {$550.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$730.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX {$330.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXX Bankruptcy Date Filed/Reported:XXXX ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2018-02-23
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo owns my mortgage and I fiked numerous complaint against Wells Fargo they only play game and say we r looking in to it and we will contact u but this is just for the to but time and they dont do anything. 
I sent them copy on this letter and they said they dont own my loan Try XXXX on line and this letter that I am sending to Cfpb pip up
Consumer complaint received 2017-01-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Bull City Financial Solutions, Inc (SC)

I saw on my credit report a derogatory mark for a place called Bull City Financial. They then told me i owe money for a bill at an address i never lived in. I then told the debt collectors to remove the debt from my credit because it is not mine. i sent them the proper information to prove that it was not mine. I had the person who was responsible for the bill ( my father, we have the same name ) tell them it was his bill, they still said i am responsible for it. Now upon telling them numerous of times i have sent the the proper paper work to prove it is not mine they still keep telling me it will remain on my credit report until it is paid. If it was my bill i wont have any problem paying for it, but unfortunately for them it is not mine. My credit is getting lower and lower because of this situation.
Consumer complaint received 2019-06-26
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. (RI)

Hi, on XX/XX/2019 i sent a letter to Transunion XXXX asking them to send me proof of a some items on my credit file which i do not recognize as my rights under the FCRA sec tion 609, also asked them to send me proof of any documents that they have on their files that proof that any of those accounts are mines. the letter was received via certified return service receipt on XX/XX/2019. They responded to me saying that all of those accounts are verified as accurate. i sent another letter to them on XX/XX/2019 repeating to them to please send me proof of the investigation the had where they proof those items belong to me as my right per the FCRA. That is the second letter i sent them begging them to send the information that they used to " verify '' those items on my credit file. Also they told me also to contact the original creditors which i also did on XX/XX/2019 and none have responded to my letters asking them for any document where i signed any piece of paper or contract. please tell them to send me the proof that they investigated those items, who verified them? how were they verified? who did they spoke to? attached are the two letters i have sent them