davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC (MS)

I am a first time homebuyer I purchased my house on XX/XX/XXXX. I had to add my mother to my mortgage because I was unable to be approved with the amount I made. I was guaranteed that my mortgage payment would not go up significantly by my mortgage broker they of course did all my underwriting and know I can not pay a XXXX more than I did. My note was XXXX it went up to ( XXXX ) after my escrow analysis ( it was not my insurance it was my taxes ) my escrow analysis was due to be done on the anniversary of my home purchase!!!! It should have been XX/XX/XXXX. I did not receive an escrow assessment until The end of XX/XX/XXXX 8 months late. When you call planet mortgage lending, there is even a part of the phone call that says your escrow analysis is done on the anniversary of your home purchase but mine wasnt. I feel like this is predatory lending that they knew I couldnt afford this giant jump in my note so I would either have to refinance or sell, which is where Im at. I had to use a credit cards to pay the difference on the last two house notes putting me more in debt. And Im still saving up this month to pay the note. I called and talked to five different departments. I talked to over seven people, my original mortgage loan processor said not her problem. Call someone else. I did talk to several people that said they would put the payments over a 24 month period to make my note less. I told them my note needed to be under XXXX for me to afford it, they gave me two escrow analysis One in XXXX and one in XXXX they both are over that amount. As a first time homebuyer, I know that if they would have given me my escrow analysis on time, I would have had the months of XXXX, XXXX, XXXX, XXXX, and XXXX to file for homestead exemption. Therefore, my note would not have went up because they did not do their job in the correct time frame My note is now unaffordable. I did not have an option to file homestead after receiving the letter. The tax office did give me a discount and that is the only thing that lowered my escrow analysis. They did not take any responsibility for not doing it on time.
Consumer complaint received 2024-07-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CITIZENS FINANCIAL GROUP, INC. (AZ)

We opened a XXXX with Citizens that matured in XX/XX/year> and we never received communication that it was maturing. Citizens has renewed the XXXX for XXXX more years, and will not let us access our funds without a hefty removal fee. We would like our funds transferred back to our original account at XXXX  XXXX XXXX, and Citizens is not permitting this. Not everyone is connected to email XXXX, and we never received the original email that our CD was due. Even more importantly though, we never received a phone call. I think for people who are not on technology all the time, a phone call would be a much better communication tool than email. 

Citizens responded to the first complaint with a PDF of a maturity notice that they said they mailed us. We never received this letter. XXXX people I spoke with said that Citizens does not mail letters. 

I am hoping you can help get our money out of this bank without a penalty fee.
Consumer complaint received 2020-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

To Whom It May Concern : I, XXXX XXXX am writing in regards to the adverse account listed by XXXX XXXX XXXX. I returned the vehicle back to the finance company after experiencing issues with the AEB system while commuting to work, which includes highway and long distance driving. I reported this to the dealer as why I was returning the vehicle and they advised the car would be resold. I do not feel I should repay any portions of the loan as to me keeping and maintained on time payments as the company reported themselves. I had no intentions of returning the vehicle until it became unsafe. I have attached the recall information reported from XXXX in regards to the same reported issue I explained to XXXX XXXX when I advised them to come and pickup the vehicle. When I returned the vehicle the check engine light was on and I advised them that the car should be inspected prior to being resold. I would like an investigation completed because I do not believe its fair to be held liable for a recall, which is out of my control. It seems like XXXX finance wanted me to keep and continue to pay for a vehicle I advised them was unsafe just for their financial gain. I would like this item removed from my credit report for these reasons. 


Vehicle Information : XXXX XXXX XXXX VIN : XXXX
Consumer complaint received 2020-09-01
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. (WA)

My complaint is against Equifax and their failure to adhere to Federal guidelines regarding the accurate and fair reporting of collection attempts and credit related information. Their failure to adhere to Federal guidelines has caused me great harm, preventing me from purchasing a home. I received a collection notice attempt an attorney ( see document packet attachment ). I responded to the collection attempt asking for proof. The document furnished to me by the attorneys office as proof of debt ownership had been altered. Their document omitted the critical " lease end '' dates that will show our lease was month to month and we had submitted a " Notice to Vacate '' 30 days prior to moving-fulfilling our lease requirements of a " 20 day notice to vacate ''. This would have proven our claim that the debt is malicious, false and illegal. I have included a packet of the entire correspondence. I sent a similar packet contesting the validity and legality of the collection to all three credit bureaus. After a full investigation into my claims both XXXX and XXXX credit bureaus have removed the XXXX XXXX collection and the XXXX XXXX collections from my credit profiles. Both of my XXXX and XXXX credit profiles are CLEAR of ANY collections, yet Equifax illegally retains false, and in the case of the XXXX XXXX debt collections, illegal collection attempts. Please note that Washington State and Congress ruled it illegal for insurance companies to blind side and bill patients for " out-of-network '' doctor bills/fees. This is the case with the XXXX XXXX collection attempts over the years. Equifax refuses to acknowledge these false debts and remove them, where as the other credit bureaus have. Again, I have included a packet of all relevant documents proving my complaint.
Consumer complaint received 2020-12-02
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)

On XX/XX/2020, I sent a letter to Equifax about inaccurate and unverifiable items on my credit report. It has been over 2 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder.
Consumer complaint received 2020-11-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (NC)

I am trying to refinance. Pen Fed is my current mortgage company. 

They upgraded their system and it has caused their website to not post XXXX and XXXX mortgage statements. 

I need these for the refinance. 

I have now spoken with them six times, after long phone holds. Each time they have assured me the statements were being sent. I have validated the email addresses and have not received them. 

I have also had ineffective email exchanges where their rep told me to just get them on line. 

I am calling again today and starting my third week of trying to get these.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Im accordance with the Fair Credit Reporting Act. The list of accounts below has violated my Federally Protected Consumer Rights to privacy and confidentiality in 15 USC 1681.

15 U.S.C 1681 Section 602A. states I have rights to privacy.

15 U.S.C 1681 Section 604A 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. 

Credit XXXX : Account # XXXX Credit XXXX : Account # XXXX
Consumer complaint received 2021-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NC)

This is an attempt by a former landlord and its Debt Collection Agency to profit from the Covid-19 hardship. After successive phone calls in which I contested the debt, I demanded validation of this debt and the collector sent a letter demanding payment of a " late fee '' of {$3100.00}. The fee purportedly arose from my prior residential tenancy in Philadelphia. Commencing on XX/XX/XXXX, months before the XXXX expiration of my lease, I gave multiple written notices by certified mail, return receipt to my landlord stating that I would not be renewing my lease because I was fired due to Covid-19 layoffs. The landlord signed for my letters. It knew my financial condition. I was unemployed and couldn't afford a lease renewal. Simultaneously, on XX/XX/XXXX, the XXXX XXXX XXXX passed the Emergency Housing Protection Act ( " EHPA '' ) ( Sec 9-809 ) which barred landlords from charging late fees from tenants who experienced financial hardships due to Covid-19. The law covered fees imposed from XX/XX/XXXX to XX/XX/XXXX, overlapping the exact period of my lease. The EHPA rendered any lease provision charging such fees " void '' and " unenforceable ''. My lease expired in XX/XX/XXXX and on XX/XX/XXXX the Landlord demanded payment of the " late fee ''. The Landlord 's managing agent concealed my prior certified letters and unilaterally inserted her own dates to make my notice of termination appear late. The landlord then predicated its " Late Fee '' on the late date imposed by its own agent. I wrote the landlord regarding all of the issues and never heard back. On XX/XX/XXXX, I commenced a mediation before the XXXX. Attorney General. The landlord defaulted and never appeared to adjudicate its claim. Unfortunately, the mediation was voluntary and the landlord evaded a final determination. No further communications occurred over the last six months, until the current debt collector attempted to resurrect this claim. This debt was fraudulently manufactured by this landlord and was explicitly void under the Phila. EHPA, but this Debt Collector is acting oblivious to the underlying illegality and pressing a spurious claim.
Consumer complaint received 2021-04-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

The people responding to my complaint regarding XXXX  and unprofessional employee XXXX XXXX. There was no problem with my account to begin with, until XXXX XXXX falsely accused me. It seems to me still their not fully grasping my details of my complaint. Why would they say I would be better at another bank. It's because they do condone the unprofessional and criminal harassment from XXXX XXXX & her co-workers that are associated with her. Because she slandered my name to them which got them to hate me & the bank themselves. Why was XXXX XXXX at that specific branch on XXXX XXXX in XXXX XXXX. Her co-workers working in the bank were involved in setting me up to be arrested. The people responded are still choosing to side with XXXX XXXX and her lies & falsely accusing me of harassing her. They would be gladly to compensate me for what their employee has put me through. I never wanted a account to begin with. But in XXXX I had hail damage, to my roof my insurance company used them. So I had to go in and to try and cash my check. But XXXX XXXX slandered me & all them employees stared me down acting like how dare me. This banker named " XXXX XXXX '' forced me to opened a checking account. I didn't want a account in the first place. This is why I am still so angry about how wells fargo employees treated me, then they pulled this mess to have my checking account closed 1 year later on XX/XX/XXXX when I couldn't log into my online account. I called wells fargo & they told me to go into a branch to open a new one. I know now it was a set up and XXXX XXXX was meddling into my private financial matters. This is why I had asked them for monetary damages for me losing my checking account, based on lies from XXXX XXXX saying I was harassing her at the bank. While I was taking care of my own banking business. She was having her fellow friends co-workers stalk & harass me so she could be in the bank while I was finishing up XXXX letting my new account open. I hardly had it open when I tried to purchased something & I had no idea what was going on. I don't think this is right to do people to embarrass them. 

If banks say they have a right to close your account, over their employee who is harassing you & falsely accusing you. Then I will be spreading the word about how wells fargo conducts business and how they really treat people. I have every right to be angry about the way I have been treated. I have done nothing to XXXX XXXX. XXXX XXXX rushed to judgement without investigating XXXX XXXX lies against me. He had malice towards me which is why he sent me a demeaning hostile threatening letter demanding me I stay out of the wells fargo where I had run into XXXX XXXX. XXXX XXXX  doesn't want me to have anything not even a checking account, so she used her power to get my account reported to check care systems so I can't have another account. Wells fargo is still defending their bad employees like XXXX XXXX. And they do condone this type of behavior.
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (PA)

I am in the process of changing banks and wanted to check on the status of a security freeze on my credit information. I have been able to log into experian.com to check the status. Nothing has worked to gain access in spite of entering some confidential information. 

The first time I contacted Experian to add a security freeze was on XX/XX/XXXX after the XXXX debacle. Further, The last email I received from Experian, dated XX/XX/XXXX, confirmed that : Security freeze already on report. I have not removed this security freeze as of this date. 

And, I have been unable to reach Experian by phone ( XXXX ). In my opinion, if you publish a phone number, it should be answered rather than giving a person menu options that lead nowhere.
Consumer complaint received 2024-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

This lender is not deducting the principal from the payments I've been making. My payments are set for auto draft, but they seem to move the payment date around in order to give the loan time to accrue interest. I could not understand why my final payoff date would always be ten years from the date of the last payment that was made. Yes, it was a moving payoff date. 
The owner is Navient Federal Loan Trust and the Guarantor is XXXX XXXX XXXX.
Consumer complaint received 2021-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Medical Administrators, Inc (CA)

On XX/XX/21, I ordered two free trial supplements on line. The order was cancelled on line and the company XXXX XXXX never sent me the supplements, but I did pay the small postage via credit card. I never heard from them again until I received a collection notice actually 2 of them today XX/XX/21 for XXXX each. They said I owed for supplements. I never received any supplements and they said they emailed me which they did not. Now the operator on the other end wants me to pay for something I did not receive. I told her I will not do so and hung up.
Consumer complaint received 2021-04-09
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: I.C. System, Inc. (IL)

I've filed a dispute with the credit bureaus in regards to inaccurate items on my credit report. it has been over 30 days and i have not received any investigation results
Consumer complaint received 2023-04-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENOVA INTERNATIONAL, INC. (OK)

I was rejected for a loan Net credit then calls and says I may have one. Gave me an account # that does not exist. Help phone number says I do not have an account. Sent verification money of XXXX and said they expect it returned immediately ( Friday XX/XX/ ) but absolutely refuse to tell me where. Web site mentions address for paper check but not any name or entity to send money through your bank. Unnamed female calls and will not accept terns of repayment applied to the XXXX saying we can't just let you keep the XXXX instead of the XXXX. 
Two XXXX men but? Answering machine is a womans voice. PDF says terms agreed to but if there was an electronic signature I did not sign any. Why won't you just let me keep the XXXX ad repay that?? Because it comes from somewhere else. XXXX man XXXX XXXX says in threat email its federal money. No loan company does that. Transportation alliance bank does not exist. Unnamed female listed all stores possible like XXXX XXXX XXXX XXXX XXXX XXXXXXXX etc where I could go to resend the money bit not where. Address and po box are paper checks not email instant repay. When I said XXXX XXXX she said? Nothing. No answer. 
Compassion? A little. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and her insistence that I give back money she won't even tell me where to send compounded by threats including terrorizing me when I get very little in govt benefits and refusing to even accept repayment terms applied to the XXXX. 
I am being deprived of all my rights by the state of Oklahoma including refusing me access to my XXXX parents and guardian even the police are stalking me and for 28 years are tracking my every single footstep and studying me like an animal I have no real viable caseworker nor social services. My mama is frantic. I am now being threatened by NetCredit
Consumer complaint received 2024-04-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (LA)

I am a XXXX. Have been for XXXX now. I love my job. I love my patients. But with this love, came student loans. I had federal student loans at one point. I paid on them for 7 years. After having a family to care for, I had to refinance ( to afford caring for my family ). The lower monthly payments help out. I switched to XXXX XXXX private loan. Not knowing or being explained to, that I would lose all of my benefits of a federal loan. They just offer you that low rate and sucker you in. I wrote to them asking for some type of direction. Some type of assistance. All I got was the attached. I have written to both State, Local and social media. This is unacceptable.
Consumer complaint received 2023-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (NY)

Card is maxed out by someone an ex let in our house but its really affecting my credit report as it has been closed down now and I cant afford those payments.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Please see the attached documentation. XXXX XXXX XXXX has systematically and unethically continued to attempt to extort money from me by violating my rights including : unfair and inaccurate reporting to credit bureaus, attempting to extort money by negative reporting incorrect information to agencies, attempting to add exorbitant additional fees after the fact of {$6400.00} ( house closing and payoff as of XX/XX/XXXX, court case dismissed as of XX/XX/XXXX ), charging exorbitant and unethical fees ( including a one month XXXX % fee of {$3000.00} ), etc.. The loan is paid in full and I have NO CONTRACT, NO STATEMENTS/DOCUMENTATION FROM XXXX XXXX XXXX XXXX 
PLEASE INVESTIGATE XXXX XXXX XXXX  FDIC CERT # XXXX, COLLECTION AND FEE PRACTICES.
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX every other month I get email saying student loan increased and lowers my score I email them about and ask them how did it increase if there a hold on payment and interest because covid 19 they told me that whats being reported I called XXXX they told me its false somebody playing with and I drop points for it I emailed XXXX  didnt get anywhere