davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX  XXXX XXXX purchased my mortgage servicing from XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. XXXX is not reporting that they are my new mortgage servicer and XXXX is showing the account as closed. This caused my score to drop XXXX points as of XX/XX/2022. I have spoken with them several times about this matter and they are basically telling me they are not going to report anything for 60 days. From what I read, the law just states that they can't submit anything negative to my credit for 60 days. They blamed the credit bureaus saying that they jumped to conclusions when XXXX showed the account as closed...??? 
Please note that I have already made XXXX timely payments to XXXX for XXXX 2022 and XX/XX/2022. 
I also reached out to Transunion, XXXX, and XXXX with no luck in solving this problem. They just keep telling me that the account is not delinquent and everything is ok the account is closed. I keep trying to explain to them that the account is not closed, it has been sold. Showing it as closed is hurting my score.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MD)

What has now become public knowledge is that there was a MAJOR security breach with Equifax. I am beyond disturbed that the company waited over a month to make this information public. In using the tool provided by Equifax, I was told that my personal information was part of the breach. I was then given a date to sign up for their " free credit monitoring '' for a year. The date given was XXXX/XXXX/XXXX. Today is XXXX/XXXX/XXXX. The XXXX is the only date I would be able to sign up for the service, and I would not be reminded. Someone else in my same office ( after I checked my information on Equifax 's site ) also found out their information was breached, but received a date of XXXX/XXXX/XXXX to enroll. Upon reading the terms of use for the credit monitoring service ( which was NOT AT ALL easy to find on their website ), I realized that if I did in fact enroll in the free service for a year, I was waiving my right to be a part of a class-action lawsuit, a class action arbitration, or group representation. If by clicking on a date to enroll or by checking my information I waived this right, I will be extremely outraged. It is n't clear how I am agreeing. Does this happen when the date is assigned or when you action sign-up? There was no box to check when I was assigned a date that I accepted the terms of use. My information has already been compromised for over a month, and now I need to wait even longer for protection?! That is just absurd. It is almost impossible as a consumer not to need to have access to credit or get your credit report pulled. For my licensing, I am required to have my credit report pulled. How could Equifax not spend the adequate funds to begin with to protect such confidential information, and why are they being so sneaky about the potential loss of rights included with the of the credit monitoring service? I am assuming that if anything happened to my personal information prior to signing up for credit monitoring/ identity theft protection, I will not be covered. I feel like I have no choice but to deny the coverage, pay for coverage on my own, and seek representation for any potential damages or future damages. I would greatly appreciate your help in forcing Equifax to make their " terms of conditions '' more well known.
Consumer complaint received 2022-05-05
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: Shellpoint Partners, LLC (TX)

I have several rental properties. 2 with chase mortgage both are conventional loans I also have one conventional loan also with Shellpoint mortgage. XXXX was very streamlined, and pretty accurate on handling everything including the credit reporting. However, Shellpoint did not report the same as chase mortgage on credit reporting. I started all 3 at the same time ; the same processes, same payments, same modification and was not in default or late on any of my mortgages when I started the forbearance process. I completed the modification program and even paid an extra payment that I was not made aware of when going into the modification process. This was probably missed by a lot of other consumers as well because it was not in the primary page disclosing the payment program. It was on a page prior to it that I almost missed because I didnt see it or know to look for it. I was recently denied a loan for two reasons- DTI was too high and my mortgage reporting from Shellpoint was not reflecting as XXXX reported my 2 mortgages. Shellpoint said they had to report as it was delinquent during the processing of my modification. Which I believe is incorrect according to the Covid regulations. They also did nothing to help with the rate or terms of my mortgage as XXXX did. I didnt even ask them if they were offering but when I asked Shellpoint they said they dont offer rate and term adjustments.
Consumer complaint received 2023-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (OH)

I have a NFLP loan. I am in my 2nd round of appeals from ECSI. They inappropriately denied year 3 of loan forgiveness. The escalation team member agreed it should have been approved but upper management disagreed. Every year prior I had issues with them applying forgiveness that eventually got resolved. 

Full time XXXX XXXX job Started XX/XX/XXXX. Graduation date XXXX XX/XX/XXXX. 
Year 1 forgiveness XX/XX/XXXX XXXX XXXX XXXX approved Year 2 forgiveness XX/XX/XXXX XXXX XX/XX/XXXX approved Year 3 forgiveness XX/XX/XXXX XXXX XXXX XXXX inappropriately denied. 

Reason my employment ended XX/XX/XXXX but that is after the year of service that was completed XX/XX/XXXX. My changing of employment should only effect year 4 forgiveness. New full time XXXX job begin XX/XX/XXXX. I can include all documents submitted to them.
Consumer complaint received 2022-03-16
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. (NC)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2023-06-14
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. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (TX)

I created an account with Grain before the pandemic, of course everything was upended then. However I paid off my account and its showing up as charged off on my credit report. I have called the company over ten times but only get an automated system that does not let you speak to a rep, I have also emailed the company numerous times. Its really frustrating because this dinged my report and is making it difficult for me to move on. How can a company gleefully take payment but refuse to assist with this issue.
Consumer complaint received 2019-06-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Note : There are 3 attached files. BoA Rates at the time I asked for a lock in ( which is different than the rate I was given ), and 2 different versions of the Closing Disclosures. It is important to note there are 2 versions because there is a major discrepancy in these two documents that needs to be addressed. 

My name is XXXX XXXX XXXX and I applied for a mortgage from Bank of America in XX/XX/XXXX. The loan condition was supposed to be removed XX/XX/XXXX and we were supposed to close on XX/XX/XXXX. BoA did not have their paperwork done in a timely manner, they keep requesting information last minute, which I provide, and then have problems removing the conditions or updating their information. While I have had countless problems with BoA here is where we stand : 1. We were supposed to close on XX/XX/XXXX, then XX/XX/XXXX, now XX/XX/XXXX. BoA still does not have their paperwork done and we will not be closing on XX/XX/XXXX. I have been ready, with all paperwork sent in and cash on hand for closing, since early XXXX. 
2. The loan rate was locked in for 45 days ( ending XX/XX/XXXX ) and then extended 7 days ( XX/XX/XXXX ). I suspect we will have to continue extending the lock because BoA does not have their paperwork done. 
3. I was informed that the rate would be 3.875 %, however their advertised rate for someone with my credit score ( XXXX ) was 3.25 %. I am asking for them to honor the 3.25 %. I was informed this was an advertised rate, and not the actual rate. It is fraudulent to list one rate and charge another. A screenshot of that rate is included in my complaint. 
4. I was issued 2 versions of the Closing Disclosure. The first was issued on XX/XX/XXXX and had a lender credit of {$6100.00}. I was issued a second CD on XX/XX/XXXX and this credit was removed. This has increased the cost of the loan by over XXXX ; this was money that was granted by the underwriting department as a grant and then taken away. I'm asking that this be immediately restored. 
5. I was informed by XXXX XXXX that since I was paying 20 % down I did not need to include " taxes '' as part of my monthly payment to BoA. I was then informed XXXX XXXX ( both BoA ) that if I did not include them, my rate would increase by .125 %. So I don't know which person is correct. I'd rather pay the taxes myself, but if my rate will be increased then naturally I'd want BoA to pay it. However, I DO NOT TRUST BoA AT THIS POINT, they have f 'd my loan up so badly I do not trust them to collect my taxes.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 

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 a account without my written instructions.

15 U.S.C. 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-03-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

After an Incoming Wire Transfer, Fifth Third Bank puts a 10-Day hold on the Funds in some parts of their System. All Wire Funds are supposed to be available within 24-Hours per " Regulation E '' and this is not the case across the Fifth Third Banking System. The consumer has to call the Bank and initiate a Manual Intervention. In some cases, this may allow the Bank to charge unnecessary Interest Charges to the Customer. 

Also, if a Curtailment Payment to a Loan is made on a Saturday in their Internet Banking System, Fifth Third waits until the next Business Day to record the transaction. This costs the Consumer 2 more days of Interest Charge. With 24-Hour Internet Banking, Fifth Third should be looking at Transaction Dates. Instead, Fifth Third forces its System to use the next Business Day. Credit Card Companies use Transaction Dates and so should Fifth Third. Not using the actual Transaction Date allows the bank to steal monies from Consumers. 

The Fifth Third System and Procedures are outdated. I also get the sense parts of the Fif Third System is just lazy and they don't think through policies and are slow to update them.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

I have sent a letter to Experian to correct an obvious error they have placed on several accounts on my credit bureau. This is not a complaint so they can go verify it with the original creditor/furnisher, it is clearly an error on EXPERIAN 'S reporting. My initial letter with all supporting documentation was sent to them XXXX of 2022. I have not received a response nor are the errors corrected. 

I find this to be a huge problem if Experian is the only one of all three bureaus showing this on all of the below listed accounts. Ive included a copy of my credit bureau for each account. 

There are a total of 8 accounts. Please as I stated before, this is not a request to have experian verify it with the creditor, it is a CLEAR error on experians reporting, all these accounts are in a good satisfactory payment standing, but they continue to place incorrect remarks in the payment status. 

If these payment status remarks are not removed immediately I will use all legal resources provided to me.
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY (PA)

Earlier this year I tried to reallocate some of my lines of credit with American Express. I tried moving some of my money around to accomplish this and it triggered a financial review. I sent American Express all my financials and things checked out fine, except that they imposed a limit on my American Express Platinum card.

As frustrating as this news was, I was excited to have more credit appear on my credit report because without the limit imposed, the card is a charge card with no limit. I've been waiting for this limit to show up on my credit report but it hasn't. Can you please help me?

The financial review process was long and frustrating having my accounts inactive, I would really like for this new Credit Line limit to show up with no hassle.

Thank you so much
Consumer complaint received 2017-09-08
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. (MA)

They mishandled my information, which puts me and millions of other people at risk for identity theft and fraud. I am listed as a potential victim according to their XXXX website, and would like a resolution.
Consumer complaint received 2022-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I made a purchase from online store physically located in XXXX for Euro XXXX. I used XXXX as the payment method. XXXX converted to USD ( XXXX USD = XXXX EUR ) and charged my bank XXXX Bank of America ) credit card in USD ( {$2800.00} ). Now, my bank is charging a foreign transaction ( $ XXXX ) separately. Considering that XXXX has already did the foreign exchange conversion and charged the bank in USD, the foreign exchange transaction fee seems unethical and double charging from consumer 's point of view.
Consumer complaint received 2018-07-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX I placed on XXXX for three sweat pants which I expected to purchase. The order was paid for with my XXXX credit card. On the XX/XX/XXXX, the order was partially delivered which means one of the three sweat pants was delivered. However, according to XXXX website all three sweat pants were delivered and despite various tries to reach a positive resolution I feel that XXXX is giving me the run around. From my perspective as their customer I expect the product which I order to be delivered completely or for a refund for the charges as it pertains to such order. However, that has not been the case since after having e-mailed them several times I am yet to receive the product or to reach a positive resolution.Instead, I was told about an investigation which will take around sixty days while hanging on to the funds which i paid for the product. further, there has been several charges in the sum of {$1.00} for several statements for subscription that I didn't signed for.
Consumer complaint received 2023-09-20
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. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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
Consumer complaint received 2020-06-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: OCMBC, Inc (CA)

To Loan Stream XXXX, I am requesting information on my loan status, I have signed loan docs, deposited all monies needed to close my escrow. I understand with loan connection there needs to be a correction to my debt ratio from the previous home loan I applied for. I have also provided proof of assets to close the transaction. 
I spoke with HUD on XXXX and they advised me the current DE underwriter with loan stream is the only person that can update the loan connection regarding my debt ratio to reflect my current debt ratio to purchase XXXX XXXX XXXX XXXX unit XXXX XXXX  XXXX ca XXXX. 
I have completed all paperwork necessary with the Loan Broker  XXXX XXXX at XXXX XXXX and meet Hud guidelines to purchase this home. 
I would appreciate your immediate attention to resolve this issue so I can purchase my home for myself and my family. I understand that the loan was moved to another level in Loan Stream, I really need to know the decision, So I can move fonvard with my financial plans ' Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX -- -- - Forwarded Message -- -- - From : DoNotReplyFHA XXXX To : XXXX XXXX XXXX Sent : Thursday, XX/XX/2020, XXXX XXXX  XXXX Subject : credit alert sanction Hi XXXX XXXX XXXX XXXX XXXX, you must address your concerns and/or questions to your Lender XXXX XXXX  Underwriter for guidance and interpretation of guidelines. The XXXX underwriter is empowered with the delegated authority and responsibility of reviewing the file in total and rendering the appropriate decision based on HB 4000.1 and/or any other relevant guidance.
Consumer complaint received 2018-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ability Recovery Services, LLC (NC)

I was a full-time student at XXXX XXXX until about XX/XX/2018. In a History of Public Health course, a faculty instructor in fact discriminated against several assignments that were completed in his course. I was graded poorly and this caused me to remove myself from the program. 

I was in a course that caused a bit of confusion by their faculty and staff concerning the discipline of online students. I believe that I was being grade unfairly and that the problem internalized errors mistaken by net neutrality. According to XXXX ( XX/XX/2018), net neutrality rules require internet providers to treat all online content the same, preventing them from favoring- or withholding - access to certain websites, services or apps ( para. 2 ). This concept frees the information in the classroom and all other matters that effects the principle to restrict any form of discrimination or interference in the treatment of content. 

I have several emails where the actions of the other party at XXXX XXXX have enforced unfair accounts and inaccurate information concerning grading, grading appeals, and netiquette ( appropriate language for online learners ). I went through a formal administrative hearing and based on their decision, I did not feel I was accurately defended in my case or adequately supported by FERPA educational rights. I withdrew from the school without any formality or well wishes from the staff on my continuation to grow and learn with their university, and basically I felt like I was dismissed from the institution. 

I have email exchanges with my instructor and all grading components which lead me to believe I was poorly being graded and discriminated against on several assignments that led up to an assignment on a specific racial population. The policy was taken from APA manuals, 6th ed. concerning the detail of anthropomorphism in writing concerning my instructor. 

I have communication exchanges with the staff concerning the actions of meeting student responsibilities and requirements to the classroom by administrative appeals. I was also sent a correspondences that shares my public records and information with the university and a debt that I need to pay back. I do not feel my rights have been fairly provided in this matter and the university is in violation or in other attempts for causing a debt. 

XXXX XXXX, XXXX ( XX/XX/2018 ). XXXX now has the 'world 's strongest ' net neutrality rules. https : XXXX