davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

A missed payment in XX/XX/2018 resulted in being excluded from ACH payment process. Subsequent manual payments commenced. A missed payment in XX/XX/2018 was communicated by phone message and letter but not by email or even using the account holder message alert system. The mortgage company put in place delinquency notice and subsequently effected my personal credit score. 

My issue is that this company actively makes it hard to comply on the basis of the following ; 1. If normal ACH is not possible no second or third attempt is made. It simply goes straight to a non-payment situation. Given the longevity of my payment record on this mortgage I find this approach completely unhelpful and is purely self serving on the part of the company. 
2. Once issues with payment have occurred communication of same is very poor. Surely immediate email notification should be the communication of choice.

3. Once there has been an issue with an ACH payment your are locked out of any future ACH for a period of 12 months thus exacerbating the issue by having to return to old school manual payments. 

Overall I feel the treatment of me, as a customer, is reprehensible by this company. If I could change companies, without incurring significant costs I would. The company is actively making it difficult by blocking the easiest payment route and I believe on the basis of securing additional revenue in the form of late fees exacerbated through subsequent bureaucratic red tape and probation periods for the accessing the easiest repayment routes. 

Federal oversight should come down hard on companies that exploit such situations.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

MY XXXX  XXXX XXXX XXXX ACCOUNT XXXX XXXX  WAS PAID IN FULL TO {$0000.00} TO XXXX DOLLARS BY DUE DATE XX/XX/2021 AND CLOSING DATE XX/XX/2021. THERE IS A BALANCE OF {$4200.00} SHOWING. IT NEED TO BE REPORTED CORRECTED.
Consumer complaint received 2020-02-05
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. (GA)

I have been checking my credit for accuracy and found accounts in my credit profile that I did not authorize, I think they are fraudulent, a list of these account are contained in this report.
Consumer complaint received 2021-03-08
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. (FL)

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-06-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (TX)

I received a credit alert on XX/XX/23 that I had an account reporting 30 days past due. I looked and say that my grain account was reporting 30 days past due when that wasnt true. I reached out to the company via email XX/XX/23, XXXX.I finally receive a response on XX/XX/23 and they told me since I was a few days late paying they were accurately reporting my account past due. 

They are falsely reporting my account as 30 days past due causing a drop in my credit score.
Consumer complaint received 2020-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

This is the THIRD complaint about this horrible company.

BOTTOM LINE : EACH MONTH Specialized Loan Servicing apples 100 % of my payment to an unspecified account. It is NOT applied to my principal/interest and to escrow as it should be. This problem has existed since XX/XX/2019 - the day they purchased my loan from XXXX XXXX. 

Every month bill collectors call saying I am in default, the SLS website says a payment has been made yet the headline is I am past due on my payment. I am not. I have paid MORE than is stated that is due ... which is another problem. I have THREE different payment amounts - and do not know the correct amount to pay, so I pay the highest one. 

This is a fraudulent company and needs to be closed down. They are trying to steal my home.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I contacted Experian many times concerning the debt owed by the debt collector kickoff. I reached out to XXXX  three weeks ago and there is an automated service that directs me to email XXXX for customer support. I am reporting that there is no way to reach this debt collector to negotiate the debt. XXXX  is reporting an unpaid debt to my credit report while unreachable and ignoring me reaching out to them through my credit file. I want this issue resolved as soon as possible. I also Faxed over my information documents to Experian to update my name and it has been three weeks going on four and my name has not been changed. I don't feel like Experian is doing what needs to be fixed and I am now forced to make a complaint about what is happening.
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-09-24
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: Bread Financial Holdings, Inc. (FL)

It is falsely reported that Commenity BankXXXX is and has been trying to collect without any payment for years. This lender was included in my 2017 bankruptcy and therefore should not be listed as owing or overdue for any of the last 3 1/2 years.
Consumer complaint received 2019-01-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

My student loan is currently with Navient and I have field 2 previous complaints for past dues fees when I was making my payments on time. This month I finally get a statement with no past due charges but my monthly payment when my {$390.00} to {$410.00} with no explanation as to why. This company is dishonest but I also believe these complaints will resolve nothing since you close them out based on the answer you get from Navient. This company has multiple lawsuits filed against but they are allowed to manages student loans and O would like an answer from you as to why.
Consumer complaint received 2019-01-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: The LGM Co., Inc. (NC)

XX/XX/2016 the vehicle was repossess and sold at an later, the total amount on the vehicle was {$5500.00} at the time of the repossess. I had written the company and requested a copy of how much the vehicle was sold at. Also, request that the company updated with all three credited bureau, the company refuse to do sent me any information or update my information with all three credit bureau. In addition, I have disputed this account with XXXX, XXXX, and XXXX. No changes have been made with the credit bureau 's. In addition, the company sold me a car with a salvage title without my knowledge.
Consumer complaint received 2020-09-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: World Acceptance Corporation (AL)

After paying off a loan I ask to make another small loan of XXXX just to show that I can consistently pay my bill I even asked to not do no inquiries on my credit the attendant said they would not but later I find they did now negatively affecting my credit score.

Pretty upset
Consumer complaint received 2018-01-30
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC. (AZ)

I have asked Caine and Weiner repeatedly to stop contacting me. I do not owe them any of my money. The original debt came from XXXX XXXX which I have spoken with directly. I am on a payment plan with them and making active payments. So I would like Caine and Weiner to stop contacting me because I was told I am not doing business with them. Also they are reporting on my credit report and they shouldnt be!!!! I am sick of this company.
Consumer complaint received 2019-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Credit Karma (KY)

XX/XX/2019 I got a notification from Credit Karma saying I had a hard inquiry pulled from XXXX XXXX ( XXXX ) The date that it was actually pulled was XX/XX/2019. 

XX/XX/2019 Contacted Credit Karma, they tell me to get in touch with XXXX XXXX. The bank tells me to contact XXXX. I can not get a straight answer from anyone. 

I did not authorize this hard inquiry as I don't even have a XXXX in my town. Please help me with this matter.
Consumer complaint received 2018-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Fedloan Help (MA)

i graduated inXX/XX/XXXX. my loans went into repayment XX/XX/XXXX. 
i have made all payments on time and in full since XX/XX/XXXX. 
i contact fedloan to count the number of qualifying payments every 2-3 months and their number never increase. i have a total of 8 loans that all went int repayment XX/XX/XXXX yet for one loan it say i made 19 payments and then on other loans it says i've made 23 payments. every time i call no one wants to give me a straight answer and just request a recount which never is accurate. the representative agree that their numbers do not make sense and put in a request to count but nothing is ever explained or resolved.
Consumer complaint received 2019-01-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (NJ)

I have an unauthorized charge in the amount of {$190.00} XX/XX/XXXX on my PayPal account. I reported this immediately to PayPal and expected that they would resolve the issue, as they advertise : Report it within 60 days of when it appeared on your statement and if unauthorized transactions are eligible, you wont be held liable. 

The unauthorized charge was from a merchant where I had cancelled a free trial in writing on XX/XX/XXXX and advised PayPal of this. PayPal concluded that it was an unauthorized transaction in part of their correspondence, but then they state that I am on my own to try to recoup my money ( which was charged through PayPal Credit ) from the merchant. 

Please help me resolve this issue and correct PayPals misleading claim of zero liability for unauthorized charges.
Consumer complaint received 2019-01-06
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (LA)

XXXX 's XXXX XXXX, underwriter Wells Fargo refuses to increase the credit limit to a much higher amount. Monthly required payment has never been late. Account has been opened for over a year. Each month, more than the required payment has been made on the account.
Consumer complaint received 2018-08-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Forster & Garbus LLP (NV)

In early XXXX, I was being garnished by a law firm called " forster & garbus ''. I changed jobs and did not know the garnishment wouldn't switch over automatically. They did not contact me and immediately started garnishing my mother 's income at over $ 600 monthly. I tried to contact them to arrange payments and they would not speak to me or work with me to arrange payments. They also placed a lien on my mother 's house for {$60000.00} in late XXXX and never notified her about it. She recently went to refinance her house and found out about it. Her and my stepfather were going to refinance their house in order to assist with their finances to prepare for retirement and now they can't. These is completely unfair to them and incomprehensible considering this law firm would not even speak to me to arrange payments.
Consumer complaint received 2021-08-16
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. (PA)

XXXX XXXX for $ XXXXReported, XXXX XXXX XXXX  XXXX  for {$8300.00} Reported balance, and XXXX XXXX  XXXX {$0.00}. These accounts are due to identity theft and is not my obligation. XXXX  and XXXX  have already removed these fraudulent accounts.
Consumer complaint received 2019-01-06
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. (CA)

XXXX XXXX XXXX card account keeps appearing on my credit report I disputed it's removed there it is again reported in a different number sometimes I become an authorized user sometimes it becomes an individual account sometimes it becomes someone else 's account sometime it becomes stolen or lost card it is completely making my credit score fluctuate
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (GA)

I received a Navy Federal rewards card from NFCU back in 2021 I was using the card while I was staying at the XXXX XXXX XXXX by XXXX I received unauthorized charges on my credit card from the XXXX XXXX after I told them not to charge my credit card so I called my NFCU about the situation and has I was talking to customer service on the phone the hotel charged to again so the customer service representative was looking at my account and told me they was attempting to charge it again I said to her stop can you stop them she said no I said why not she said we can't stop authorization a said what do you mean she began to explain that they have a contract with the credit card processing companies such as XXXX  where as any authorized charges have to be paid no matter what and the merchant as up to 6 months to settle I said to her that's not right because the merchant can keep charging your credit card for what ever amount that will authorize on top of the if the merchant don't collect the funds right away then after 5 days the funds go right back on the credit card as available credit then the merchant can authorize it again and again after every 5 days then she yeah unfortunately we can do anything about it the only thing we can do is shut down that credit card and send you out another one then I said what about those charges she will you would have to pay them they Then I told her that wasn't right because your bank is in valuation of the truth in lending law 's because what you just told me is not anywhere on the contract I signed when I received the credit card she said no it is not that information is not provided no where on the contract then I said so how can you charge someone for these charges she said nothing. I think it's unfair and predator for this bank or any bank to do these types of practices and I don't think I should be liable for these charges. The card balance was {$5000.00} and I was charged over {$7000.00} in unauthorized charges due to this banking problem that violates the truth in-lending law.
Consumer complaint received 2019-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Experian Information Solutions Inc. (PA)

Due to a serious health issue, I fell behind on monthly payments. I am now in recovery and I am working with a debt consolidation company, XXXX XXXX XXXX. I have been working with this company since XX/XX/2018. Would this not help with credit repair?
Consumer complaint received 2022-08-27
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights by reporting inaccurate payment history to Equifax. I have never been late and this account should reflect on-time and closed. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights by reporting inaccurate payment history to the credit bureaus. I have never been late so this account should reflect on-time and closed. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights by reporting misleading payment history to Equifax. I have never been late and this account should reflect on-time and closed. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated by reporting fraudulent information on my credit report. Im a natural person and Ive never applied for any service through XXXX or its subordinates. This account needs to be removed from my Equifax credit profile immediately. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights by harassment and perjury through mail, email, phone calls and calling my friends. Ive never physically signed any contract binding me to any terms of service, although if I Ill take full responsibility but as the consumer I have the right to request that the original creditor ( XXXX XXXX XXXX ) show evidence in writing within 5 business days of receiving this dispute under FCRA guidelines. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (NC)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me significantly as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2021-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

Home insurance not being paid by escrow account. I have already contacted your agency and am now receiving phone calls with unknown name on caller ID, first no message then message no name no ID number to call Loancare. After several attempts and being on hold for up to 45 minutes am being told that you contacted them and they are looking into issue. We are receiving by mail that we do not have homeowners insurance, do not have flood insurance and offers to refinance with them. We are lucky enough that we have closed on a refinance ( at our expense ) so we do not have to deal with them. We now are left to fight to get our escrow account with them refunded to us. 
Especially during these times Loancare 's predatory insurance programs are hurting many consumers. 
How can we get help to get our refund of {$2800.00} from our escrow account.
Consumer complaint received 2023-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I was scammed {$2100.00} from someone through XXXX. XXXX couldnt help me, so I went to my bank to try and dispute the transaction. Wells Fargo said there was no processing error of the disputed transaction. Of course there was no error of the processing, the issue lies in the fact that I never received the service I paid for. I should be entitled to a refund.
Consumer complaint received 2022-07-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY (GA)

I attended XXXX  from XXXX .My parked car was totalled.ISuffered numerous amounts of XXXX. I was rushed to the emergency room on countless occasions. First, I filed for bankruptcy my XXXX year. It was due to a XXXX XXXX  whom was seeking the debt ; and, I can provide court documents that the debt is not legally mine. 
Sincerely XXXX XXXX