davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Applied Data Finance, LLC (FL)

To whom it may concern : Not too long ago, I obtained a copy of my credit report and was shocked to find a credit inquiry by your company that I do not recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it beforehand. Please have this inquiry removed from my credit file because I believe I did not authorize this inquiry. 

Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. 

I would appreciate your immediate attention to this matter. Kindly forward me documentation that you have had the inquiry removed. 

Otherwise, please send me proof of such authorization, if you find that I am confused, and you did have my authorization to inquire into my credit report. 

I thank you in advance for your cooperation and hope to hear from you soon.
Consumer complaint received 2019-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have contact TranUnion several times to have these fradugelent inquiries removed from my credit report. I am told to contact the companies listed which I have and they tell me that I need to contact the credit bureaus. I am going back & forth without any resolution,. These inquiries need to be removed ASAP. I have sent them a police report as well showing I have not applied for anything.
Consumer complaint received 2019-10-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I submitted complaint XXXX in XXXX because Mr. Cooper was not processing my payments correctly. In response to my complaint they suspended my due date until XXXX XX/XX/2019 and promised that future payments would be processed correctly. When I attempted to process a payment on XXXX XX/XX/2019. The payment system perpetuated the same error I made the previous complaint about. Mr. Cooper made the following promise in their response : " Please note that because the account was current when we received the payments detailed above, the funds were applied to reduce the principal balance due on the loan. We understand any inconvenience that may create. We have submitted a request on XX/XX/2019, for a Message Code XXXX to be added to the account. This will prompt for a review to be completed of the payment details to ensure proper application. '' This was untrue and they did not fulfill. My payment should as regular payment when I submitted and was switched again to principle payment during processing. This causes two harms : failure to pay down accrued interest and failure to process escrow payments. At this point I have no faith the payment system is displaying correct information about the loan and I have no reliable way to reconcile to correct amount of interest charged.
Consumer complaint received 2019-07-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

I have tried to communicate in writing with Nationstar LLC aka Mr. Cooper concerning a mortgage modification. I asked Nationstar LLC to communicate with me in writing, so I can have all communication checked by legal counsel. I have written directly to XXXX XXXX, who supposed to be my loan specialist, but have yet to receive any written communication from him. 

I have received a letter from Nationstar LLC that is can not and will not consider a loan modification, but I keep receiving email messages from the company requesting that I call it because it can help me. I wrote to Nationstar LLC asking what I should believe : the letter or its email. 

Nationstar LLC refuses to respond in writing. XXXX XXXX has not corresponded with me.
Consumer complaint received 2019-07-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

The information dated XX/XX/XXXX, was never included in the investigation from the time frame and the inaccurate dates of XX/XX/XXXX, all monies owed paid in full and were not apart. I feel the investigation was a violation of the fair debt collection practices act section 623 b. This relates to all three credit bureaus. XXXX, XXXX, XXXX.
Consumer complaint received 2019-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (TX)

The Bank I am filling a chargeback 's complaint against is Capital One. Capital One refuses to issue a Chargeback after the Merchant XXXX XXXX XXXX XXXX ( XXXX  ) did not provide a {$20000.00} timeshare exchange service as mentioned in our contract with them. 

The Transaction I am requesting a chargeback from Capital One Bank is under the name XXXX XXXX XXXX made by XXXX XXXX XXXX XXXX ( XXXX ) in XXXX XXXX for an amount of {$2900.00}. 

My family went on Vacation to XXXX XXXX, XXXX XXXX on XX/XX/2019 at XXXX XXXX XXXX XXXX ( XXXX ), part of XXXX XXXX. We were offered an exchange between our XXXX XXXX timeshare Ownership and XXXX XXXX timeshare membership. Our XXXX timeshare worth about {$20000.00}. We paid {$20000.00} for an XXXX XXXX timeshare and the contract stipulated XXXX will buy back our XXXX contract. that had a balance of about {$20000.00} After a month and half of an unexplained wait, XXXX did not honor the exchange service. They brought as pretext after the long wait that our ownership is not a deed. They explain that we can keep both their timeshare and our XXXX Timeshare, and they will keep the {$20000.00}. We replied that the contract is void ab initio, since there were never a deed, but an ownership certificate, then we have to receive our money back since we have not received the exchange service as clearly written in the contract. They have not answered. 

We file a timely {$17000.00} chargeback with XXXX XXXX XXXX and {$2900.00} with Capital One on or around XX/XX/2019. 

XXXX XXXX XXXX issue the {$17000.00} Chargeback, but not Capital One ultimately. Capital One first issue a Chargeback, but the merchant came back and mislead the Bank in saying fraudulently the {$2900.00} was for Hotel Services that we received, like restaurant and rooms. Capital One return the {$2900.00} back to XXXX. We later explained several times to Capital One that the {$2900.00} were not for Hotel services, but are part of a {$20000.00} timeshare exchange services that did not take place. 

The Bank insinuated that we were lying and a manager told us that it is common that customers like us receive services from a Hotel and want a chargeback, what is commonly called friendly fraud. Capital One told us they escalate the issue, made us wait, and later falsely said they can not help because we did not provide all documents on time. We did provide all documents on time by both fax and certified mails, and we have proof. 

Capital One does not want to assume his mistake by prejudging us and returning the {$2900.00} to the merchant. 

We are requesting a refund from Capital one of {$2900.00} with all interest fees that are being accumulated.
Consumer complaint received 2019-07-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (KY)

XXXX College XXXX XXXX XXXX XXXX  XXXX misled me promising me employment opportunities and Lifetime refresher courses with a brighter future and the only thing I truly recieved was a useless degree that no one take serious in this city based off the schools reputation that continued to spiral from XX/XX/XXXX-XX/XX/XXXX. Tentative dates..And debt an extreme amount of debt. Not once was I sent on a job interview or even prepped for job placement which was promised upon graduation. They gave us statistics rates and promised a future that if we ever need to go back and revisit accounting or revisit a business course we would always have an open door policy that was not honored either. I started realizing the $ 300- {$500.00} per book only a few words changed. The knowledge recieved was not anything more then I already knew I managed my whole life. They made me believe adding a degree to my life would make me be more marketable. I had a XXXX GPA after looking at my credit report and seeing what this school was doing to me I dropped out. I finally realized that it was a scam all of the student 's were coming to the same conclusion. The material was high school level, I'm at a lack the Lifetime courses I need those the only thing on my credit report is school and my car I am XXXX in debt I have no moral this has ruined me. I use to believe In College before XXXX college XXXX XXXX XXXX XXXX XXXX. Now I don't push my children at all towards it. It's not fair they got off without helping us. If it was a creditable degree I wouldn't be complaining. But Any time mention what school I received my XXXX degree from there is same on my part, and its not taking serious by the reciever of the information. Anyone I have told responds negative in this city like the University XXXX XXXX Scandal. I need help they need to honor relief this is just so intense. Greed caused this they milked us through books through everything.
Consumer complaint received 2019-07-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (CA)

Date of incident XX/XX/19 at XXXX hours Collection agent came to my house and rung the front door, asking for me. My aunt opened the door and told him that I wasnt home. Since we get many visits from solicitors she declined to receive any paper work from agent. My aunt closed the door and agent left an opened Legal court summons ( without an envelope ) on the floor of my front door. As I have evidence of a video, agent walks away an shouts Next time we come to your house, its going to be with a sheriff as he was taking pictures of cars parked in the driveway with in my property. Unfortunately I dont have the audio of him shouting that from my driveway. A few minutes later, my dad was working in the garage as he also heard the shout from the agent. He walks up to my front door and sees the legal open document exposing all my personal information to him. He looks at my paper work and is now in fear of what can happen to me. Since my personal information was not protected properly, my father was able to share my information with the rest of my family members about a debt, my familys peace of mind has been disturb by illegal acts of the agent.
Consumer complaint received 2019-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

On XX/XX/XXXX I checked my credit reports and my report showed that my XXXX XXXX   accounts " Needs Attention '' Upon checking the status the account read that I recently missed a payment on this account. However no delinquency existed. I am asking for a investigation, this account is in deferred status and no payments are required.
Consumer complaint received 2019-07-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2018, I submitted a response to the XXXX XXXX XXXX in regards to Case # XXXX against Wells Fargo Bank for Unauthorized accounts opened in my name four accounts without signatures and four with signatures along with unauthorized credit cards, Unauthorized Charges and Overdraft Charges. I also mentioned the discrimination of my Permanent XXXX. The following was my response to the mediation proposal : Quote, Case # XXXX Dear WFB/XXXX XXXX I object to the mediators order as wrong and not based on facts. 

I have requested the bank and credit card accounts and related documents from WFB several times prior to the mediation which are in your possession and withheld from me. The mediation order falsely states that I did not have the accounts numbers when WFB withheld them from me. WFB must disclose the account numbers to the mediator, correct its report and again I demand disclosure of them to me. The order is not based upon the facts alleged on the phone and in my emails to WFB including the fact that WFB caused exacerbation of my mental and physical XXXX. The mediator ignores my XXXX and condition and past, present and need for future medical care caused by WFB. I will also present other facts and damages when WFB releases the documents and evidence it is wrongly concealing from me. 

I am responding to a letter that I received from you by mail instructing me to contact you within 20 calendar days or the claim will be considered closed. I am Responding within the 20 days, for this case to remain open. 

I object to the Mediators order as wrong and not based on facts. 
unquote. 

I never received a response.
Consumer complaint received 2019-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (CT)

On XX/XX/XXXX I checked my credit reports and my report showed that my Fed loan accounts " Needs Attention '' Upon checking the status the account read that I recently missed a payment on this account. However no delinquency existed. I am asking for a investigation, this account is in deferred status and no payments are required.
Consumer complaint received 2018-12-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I have had an incredibly difficult time trying to pay off my student debt, instead of adjusting payment options, or allowing me / working with me to make changes, if I have a 'tight ' month Im just punter to forbearance which means I am still accruing debt in interest.
Consumer complaint received 2023-04-01
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX  XXXX XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXX Balance {$750.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$0.00}.
Consumer complaint received 2022-10-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (PA)

I applied for a loan after calling OneMain to attempt to pay some expenses. The person on the phone rushed me to scroll past some text and check to sign. I only discovered months later that I had incurred a {$6000.00} fee on a {$9000.00} loan, essentially a 66 % fee. This was added to the principal, which was itself at a 25 % APR. This meant that year one of the {$9000.00} loan, I would potentially pay {$9700.00} in interest and fees alone. This was incredibly unclear in the call and in the app, and even afterwards, when my father was attempting to help me understand the loan terms, the app did not make them remotely available. The website was similarly obscured and viewing billing statements does not work in XXXX mobile browser, so I had to view the billing statements on a desktop just in order to see the loan terms and the fee I'd been charged. It was presented incredibly unclearly on the bill, as some sort of refunded interest (? ) and I had to talk to another customer service rep to even understand what had happened. They too had to do research to understand the chain of events. 

The murky terms, the hasty sales presentation, the exortionate rates- these practices strongly feel both Deceptive and Abusive.
Consumer complaint received 2023-06-12
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. (AZ)

When I reviewed my credit report, I discovered that these items were 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 this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for 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
Consumer complaint received 2018-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: NAVY FEDERAL CREDIT UNION (MD)

In XXXX of 2016, I opened up a credit card account with Navy Federal Credit Union, a limit of XXXX. As of XXXX, i called them informing them that my card had been missing and i needed it frozen in order to protect my account. I also moved in that from the location that i was previously living. I was unable to get any bank statements or payment stubs from Navy Federal Credit. Because of this I am in turmoil. My credit has drastically dropped because of this. I feel as though it isnt fair that i am being punished for a report i was unaware of. Especially if i wasnt in the given location where my bill was being sent to.
Consumer complaint received 2018-08-07
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: EQUIFAX, INC. (OH)

XXXX agreed to a modification in XX/XX/XXXX but with their agreement they promised to clean all lates as to provide us with a true fresh start. This was the third modification attempted and it finally worked out. We retained a lawyer to help. The initial modification was rejected by their error on XX/XX/XXXX and that would have had us with a four year clean mortgage payment history.
Consumer complaint received 2023-04-01
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NH)

Rushmore Loan Management falsified all legalities and did so in a response letter. I seek all legal action to the highest. See attached response to myself and my wife as the letter is only addressed to her. All information from Rushmore is fraud. My loan was identified in class action lawsuit XXXX versus XXXX. At no point is this so called debt legal as XXXX was found guilty of fraud. I seek see below ( statutory damages under the FDCPA and RESPA, and restitution damages and losses from Rushmore Loan Management for allegedly unlawfully profiting by acting as an unlicensed mortgage servicer. ) My wife is legal party of interest and legal owner of said property from Deed legally registered with Title insurance also containing both names dated XXXX XXXX. See attached response that clearly states " this is an attempt to collect a debt '' this matter was found fraud in court of law XX/XX/2020. 
This is now a criminal charge of fraud and identity theft
Consumer complaint received 2023-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

XXXXXXXX XXXX were transferred from XXXX to Mohela in XX/XX/XXXX. Was initially told not to resubmit XXXX paperwork. Then told to submit so I did. Submitted paperwork with no updates and numbers constantly at XXXX XXXX. In XXXX, rebsubmitted XXXX forms as I believed payments to be at XXXX. Since then, was told there was an error with the form. I called and confirmed there was no error. They said they were re-processing. Every time I call, they say the same. XXXX called and spoke to someone who said there are " mistakes '' and they'd transfer me to supervisor. Next person said not a supervisor and repeated they would re-process the forms. I said transfer me to supervisor. Waited on hold over an XXXX XXXX  XXXX XXXX with no transfer. 
My payments are at XXXX and are missing XXXX Payments should be over XXXX. I have XXXX PSLF forms : XXXX ) XXXX ( understand program started in XXXX ), and XXXX ) XXXX XXXX. I have submitted both forms each time. There is a gap in my employment which is why there are XXXX forms. It is outrageous that nothing has been done and all a representative can say is they will submit the form to be re-processed each time I call.
Consumer complaint received 2019-07-22
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. (NJ)

I was a victim of identity fraud. I submitted my documentation and police report indicating the accounts on my credit profile was not mine. Transunion deleted a collection XXXX XXXX XXXX and a Bankruptcy that is not mine. 

XXXX XXXX XXXX was deleted. Without notification from Transunion, I was notify that the account was going back on to my account.