davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (OR)

I have had an ongoing dispute with Quicken mortgage concerning unreasonable late fees, add on costs, and escrow payment disputes. Now this company is threatening foreclosure even though my latest mortgage payment was recorded in a fashion. My current complaint id is XXXX i want this company to quit harassing me, they threatened to ruin my credit and they already performed that action with XXXXXXXX XXXX  which has severly threatened my credit rating!
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue stress and concern. I ask that you rectify this mistake promptly by updating my account.
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts.

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Consumer complaint received 2020-02-05
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. (PA)

Experian has Report # XXXX for XX/XX/XXXX page 10 of 14 Inquiries shared with others XXXX   XXXX XXXX  XXXX XX/XX/XXXX I did not apply for no car loan on or to XXXX XXXX XXXX XXXX on XX/XX/XXXX I have also filed a fraud report on Experian to this transaction with the U S attorney office.
Consumer complaint received 2020-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

Flagstar Bank is not applying extra payments toward our loan principle. they are instead applying part of the money toward interest that would have been charged every month if we only paid the monthly amount due. 

in this instance, we paid an extra {$10000.00}. they applied {$6100.00} toward the principle and {$2400.00} toward interest. distributing the {$10000.00} payment over XXXX months payment schedule. 

in addition they " save '' any amount which is not a multiple of our monthly payment for application to next months payment, they hold the money without applying it to our loan, neither the principle or the interest. 

We have asked them repeatedly to apply our extra payments directly to the principle and not the interest. This practice adds thousands extra to our total loan cost and increases the pay-off time. they have never fixed this practice since our loan was transferred to them.
Consumer complaint received 2018-12-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (HI)

On XX/XX/XXXX I transferred {$1300.00} from my XXXX acct to PayPal acct via mobile phone the deposit never occurred n when I followed up with PayPal they said the money transferred to another account with the same phone # as mine and they can not do anything about it. I have filed complaints with FDIC on XXXX only as they do not have jurisdiction on PayPal. I have numerous internal complaints with PayPal n both banks blame each other n take no responsibility in resolution its been 2 months now???
Consumer complaint received 2018-08-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

A collection company that never notified me of an alleged debt reported the debt ( {$110.00} ) to the credit reporting agencies. After disputing the report, all of the reporting agencies removed the item from my credit report except for Equifax. Equifax 's investigation process is severely defective : their website is inaccessible ;  they do not answer phone calls ; their investigation took longer than 60 days and then closed with no contact with me. At no point in the several months that I have been trying to get this resolved has anyone even attempted to contact me.
Consumer complaint received 2019-09-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (UT)

A couple months ago I got a phone call from a debt collection agency saying that I owed over {$2000.00}, a rediculously high claim, and that if I didnt pay it off my credit score would be negatively affected. The collection agent then began pressuring me to give him bank and credit card information to resolve this amount immediately over the phone. I was not told I could dispute the debt claim or that I had 30 days to do so. I was repeatedly pressured to give out personal information even after telling the collector I would not.
Consumer complaint received 2018-12-27
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: Navient Solutions, LLC. (OR)

In XX/XX/XXXX I began my XXXX studies with the University of XXXX-XXXX XXXX, CA and completed this program in XX/XX/XXXX. 

I began my XXXX  studies in XX/XX/XXXX with University of XXXX and completed my XXXX  studies in XX/XX/XXXX. 

I was also enrolled at the University of XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX, for the for their XXXX  level XXXX XXXX XXXX XXXX, these credits were later applied to a XXXX degree in XXXX XXXX with the University of XXXX-XXXX  in XX/XX/XXXX, I completed this program in XX/XX/XXXX. 

During this time frame I used part of my G.I. Bill for these programs along with student loans. I had a series of health issues that were not resolved while on XXXX XXXX that were later compounded that required me to request a deferment/forbearance of my student loans due to my inability to work. Some were granted to my knowledge whereas others were not, which I continued to resolve. 

Upon careful review and further evaluation by the VA my XXXX rating was increased to XXXX XXXX, which qualified me for the XXXX XXXX XXXX XXXX ( XXXX ) program for my student loans. 

On XX/XX/XXXX DOE directed Sallie Mae/Navient and XXXX/XXXX XXXX XXXX to suspend collection activities on my student loans until they could determine my eligibility for discharge. Effective XX/XX/XXXX, the DOE had approved my discharge of the federal student loans on the basis of my XXXX  XXXX  XXXX  XXXX. 

In closing from the very beginning my student loans were never properly reported, some start dates began before I was even enrolled in school, which I attempted to address with Sallie Mae/Navient. To my knowledge this was never corrected. 

Additionally, I have 24 trade-lines ( student loans ) that are listed as late or in default in excess of 120+/180+ days. In addition to these issues several of these same accounts have exceed their legal reporting periods of seven years, with multiple that are over 10 years. In previous communications via letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, Navient-U.S. Department of Education is in violation of Section 623 ( a ) ( 2 ) of the FCRA.
Consumer complaint received 2023-08-21
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. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-09-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am constantly receiving calls from XXXX XXXX, I have spoken to them on a couple occasions and fully explained my financial situation on Thursday XX/XX/2019, I had ask them to stop calling me and that their calls were becoming a point of harassment they stated that they would note the account to have the phone call stopped. As of XX/XX/2019 they still continue
Consumer complaint received 2019-09-15
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. (MD)

I received a lifelock notification XXXX XXXX XXXX XXXX XXXX opened a new account on my consumer file on XX/XX/XXXX alleging {$550.00} owed to their company. Report shows XXXX account with a {$0.00} balance. 

XXXX XXXX XXXX XXXX XXXX opened an account with Experian stating a 1 month term seriously past due since XXXX which is false. See 24-month payment history. 

XXXX XXXX XXXX XXXX XXXX opened an account in XX/XX/XXXX with XXXX alleging {$550.00} was owed since XX/XX/XXXX which is false. I have never heard of this company and there was no communication in XXXX at any time. 

Experian and XXXX has credit consumer report along with XXXX XXXX XXXX Finance & Credit Card, and other mortgage company does not show XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 

If both XXXX & XXXX XXXX XXXX XXXX XXXX was owed {$560.00} they would not have allowed the 3 year statue of limitations to expire. Their acts are deemed harassment. XXXX received disputes updating consumer files to {$0.00} balance prior to XX/XX/XXXX. 

Experian and XXXX ignore all request to conduct a thorough investigation based on all disputes sent between XXXX - XXXX. Both companies state they do not investigate the creditor updates through electronic means. There are several discrepancies one report has XX/XX/XXXX on Experian. My report that showed a XXXX FICO score XXXX XXXX XXXX back date the account to XX/XX/XXXX to drop my score over 100 points
Consumer complaint received 2019-09-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Nguyen Law Firm, PLC (VA)

On XX/XX/2019 I received a letter from The Nguyen Law Firm , PLC stating that they attained a default judgment against me in XXXX General District Court on XX/XX/2019 for a medical debt? 
They are saying i owe judgement for {$830.00}, Court Costs {$54.00}, and Attorney fees of {$270.00}. 
I was never served, or notified of any court date period. Had I been notified, I would have appeared in Court. 
Their total default judgment is for {$1100.00}. They are stating I owe debt to XXXX XXXX XXXX XXXX XXXX.? 
The letter is backdated, so even though it's stating I have 10 days from the date of their letter to pay them in full or they will seek wage garnishment. The letter is backdated for XX/XX/2019. 
Today is XX/XX/2019. This letter arrived in the mail yesterday XX/XX/2019. 
As a Senior, and a woman, I feel not being served or notified of this court hearing violated my rights and has taken advantage of me by making sure I would not be able to be present at this court hearing. I was never notified or given any written Validation of Debt letter.

Per Code of Virginia 8.01-2.96 Manner of servicing process upon persons, 8.01-286.1, delivering a copy of legal action, delivery to persons at residence, person executing service must notify in person, or if services can not be complete, service onto landlord. This letter has my correct address. I was never notified or served. 
Per XXXX County website, " how served '' was deliberately left blank because I was never served or notified.
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo sided with a fraudulent company that I bought a flight ticket from. A business that was charged by the department of transportation for mistreating their staff and people with handicaps poorly. 

After banking with them for almost 20 years, I now realize they will never change. They will continue to be a shady institution that steals and cons their clients. 

After everything I went through with surviving XXXX. XXXX, Loosing my job, I have to deal with the emotional stress of dealing with this business. 

They garnished 2 weeks of my wages, to pay off what they owe to the 1000s of people they scammed. XXXX, I will be posting complaint after complaint. I will continue to look for additional information to support and corroborate my complaints against Wells Fargo for EVERY year, that I've banked with this scam of a bank. 

When the opportunity comes to take legal action, I WILL. Sooner or later... 

I won't ever forget, how your bank has treated me and other clients.
Consumer complaint received 2019-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (WA)

I had a Chase bank Amazon Credit Card I was late paying the balance on. The next month I paid the balance and closed the card account with them I was told my account was closed I would not be charged anymore. I did not know nor was told Chase could charge interest on the previous months balance to the closed account and that I would be responsible for paying that. This came down to about {$7.00}. 

Chase then charged me {$29.00} per month in late fees for over a year on this card that I thought was closed. 

To be fair chase sent me letters to my parents ( I rent it's a more permanent address for me ) that I chose to ignore assuming incorrectly that it was additional promotional offers they spam me with since i signed up. I had to filter them out of my email inbox in to a separate folder where again I incorrectly assumed I could ignore emails from a company I have no open accounts with. Chase robocalled me to inform me of a balance on my card but it sounded like the stereotypical scam. One year and an actual human finally calls me to explain I owe chase {$350.00} now. Digging through the promotional offers in my email I confirmed there were balance statements. 

I explained the situation to Chase. I explained I am a broke XXXX XXXX and this would prevent me from clearing rent that month. They forgave about {$150.00}. 

Chase bank charged me {$200.00} in fees over a {$7.00} interest fee on an account I was told was closed after I paid the remaining balance and asked to close it. 


This was about 7 months ago that I paid off the late card and " closed '' it again. About 18 months from the initial missed payment on the {$7.00} interest. 


Do I have any recourse? If I provide all the documentation for this incident can it be added to the stack of frivolous banking fees Chase uses at least? 

I can't reasonable fathom charging someone {$350.00} for owing {$7.00}. 

Thank you for your time and I understand it is unlikely I have any legal ground. I hope if anything this complaint helps establish the pattern of unreasonable exploitive punitive measures Chase bank uses over trivial amounts it's customer owes and how unclear promises made by support agents result in hundreds of dollars in fees unless the consumer is reasonable vigilant in monitoring closed accounts. I was not vigilant and lesson was learned but I have to wonder how this kind of contract is ok in the first place.
Consumer complaint received 2021-07-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (NV)

after many times contacting my mortgage company and explained my hardship situation with them and all problems i have since i lost my husband who supported me and we lost all our assets in XXXX  and sending all my required documents to the mortgage company the mortgage company does not show flexibility and still asks for the same items which isend more than 5 times and doesnot seem to cooperate with this issue and problem of my mortgage hardship to reduce monthly payment of my mortgage and i we are in a very difficult condition becuase of economy situation and lost all our assets and all belongings that we had and loss of income and covid 19 problems issue not able to make any source of income becuase of this pandamic and mortgage company already knows about all these still refuses to show flexibility and compromise and we are in very difficult financial situation and not able to make full payment of the mortgage unless the amount of mortgage shall be reduced monthly greatly apreciate your help and assistance with this issue to have mortgage company come up with more flexibility and reduction of our mortgage monthly payments thank you.
Consumer complaint received 2019-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Forster, Garbus and Garbus (NJ)

Forster & Garbus violated the Consumer Financial Protection Acts prohibition against deceptive acts and practices by making such representations to consumers through its lawsuits. On XX/XX/XXXX I've received doc from superior court of New Jersey from Forster, Garus & Garbus the New jersey firm trying to collect {$580.00} remain balance, Which is incorrect in XX/XX/XXXX, I had sign a Stipulation of Settlement and faxed back to XXXX XXXX from Forster Garus, the Stipulation on the agreement of {$1300.00} I paid in XXXX of XXXX, The Court docs is stating the I defaulted on my XX/XX/XXXX which is incorrect I had completed all payments in XX/XX/XXXX, Also call XXXX XXXX to confirm, Which was confirmed verbally, they are stating that because I defaulted in XXXX I now own {$580.00} which would equal that original amount, If feel this Illegal, fraud and I'm being scam for more money. I have all my bank statement that I completely paid them in XXXX for the amount agreed. I have attachment my bank statement showing payment date and amount, some of the payment receipt from Forster, Garus.
Consumer complaint received 2019-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Regarding XXXX XXXX XXXX XXXX that has put many errors on my credit report, they finally fixed this issue. Upon Experian re disputing these events, Experian marked me 30 days late all over again. My score went up 33 points once Experian incorrectly finalized their dispute my score went back down due to Experian error. I believe Experian to be not representing their dispute product properly and I do not believe they are properly even reaching out to the company that is being disputed. I would like this fixed once and for all this has been a 3 month nightmare. 
I want all late history removed permanently from the past from my XXXX portion of my credit report.
Consumer complaint received 2019-09-15
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. (LA)

I've submitted disputes online, but it doesn't remove inaccurate reporting. Instead, they just add a statement. Their report has names that are not mine, accounts that are not mine, phone numbers that are not mine, social security numbers that aren't mine, and addresses that are not mine. The majority of the report is completely inaccurate and shows other people 's personal information. This is fraud. My credit is being negatively impacted in many ways. This can also change the interest rate I get which has extremely long lasting effects on me and whoever is missing information from their report. There is a student loan account listing over {$57000.00} that was started in XXXX. I was finished with college in XXXX and haven't opened a new student loan account since I was not in school. There are several small personal loans listed from XXXX-XXXX  with a credit union that I've only had an inactive account with since before XXXX. The personal information is beyond mixed up and wrong. I shouldn't have to spend precious hours disputing based on their mistakes.
Consumer complaint received 2018-05-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MIDCOUNTRY FINANCIAL CORP (NC)

Debt collector is calling 8+ times a day and is also calling and harrassing friends and family by somehow getting their private numbers. it was my understanding that I had settled with the debt collector for a predetermined amount yet they continue to call and harrass myself friends and family. if they had told me a certain amount was all they were wanting and I have paid that amount they need to stop harrassing me for more money. We had an agreement.