davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : {$2400.00} XXXX XXXX XXXX : XXXX -- -> : {$710.00} XXXX XXXX XXXX : XXXX -- -> : {$900.00}
Consumer complaint received 2019-08-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

SPS Loan Servicing did not respond to my loan modification in 30 days. After submitting documents several times, I was denied with no clear reason why. For the past 6 months, my Relationship Manager never responded to my many calls. It is a joke! I am working with a HUD approved housing counselor as well. Finally today, I was told by SPS by my relationship manager that there is no such thing as a Flex Modification thru XXXX. Wrong.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX XXXXt Number : XXXX
Consumer complaint received 2020-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OR)

Since the Cares act was initiated I called Nelnet who holds my federal student loan because they were not placing a hold on the interest payments as the cares act mandates. I initially called them XXXX to inform them I was still being charged interest and was told they would be placed in the no interest charged category. I told them I wanted to continue to make my regular payments, I was informed I could do this but I would not be charged interest. I received my XXXX statement and interest was still being charged. I called back and had the same discussion this time I was told I didn't qualify even though it is a federal student loan. They told me to call the department of education, I did and was told there was nothing they could do and to call Nelnet. I have called them every month and they still refuse to place my loan interest on hold as the cares act specifies. I have exhausted my resources and have no other options, please help.
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 am writing to file a complaint regarding a collections account that has appeared on my credit report that I am not aware of. The account in question is listed under my name and is being reported by XXXX XXXX and XXXX XXXX. 

This collections account is negatively impacting my credit score and has caused me undue stress and anxiety. I believe that this account has been reported in error and that it should be removed from my credit report immediately.
Consumer complaint received 2022-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

On XX/XX/XXXX I made an online bill pay TO my XXXX 's XXXX FROM my Capital One banking. After a week I did not see a posted payment to the XXXX account. I waited until XX/XX/XXXX to reach out to Capital One to see why this payment had not gone through. I was transferred to the fraud department, when all I wanted was a stop payment on the check. They treated this as a dispute and a fraud claim. This was a mistake on their part, not mine as I have paid this credit card many times before with this method. I was told it would be up to 45 days to credit my money, IF it was indeed an incorrect mailing address. The amount was close to 2000 US dollars. I
Consumer complaint received 2022-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was charged, on my account, once from XXXX XXXX XXXX XXXX even though the transaction didnt process. I ran my card again after speaking to the employee at XXXX XXXX XXXX. I was charged XXXX dollars and some change for the second time. The second time the transaction was processed with XXXX. That was on the morning of XX/XX/XXXX. Before I returned my rental on XX/XX/XXXX I noticed the original XXXX dollars and some change was returned to my account. After returning my car on XX/XX/XXXX, I continued checking my bank account because XXXX of the XXXX dollars and same change balance was a hold for using my debit card to rent a car. I called Bank of America on XX/XX/XXXX two separate times and was told that the XXXX dollar hold would be credited to my account by the morning of XX/XX/XXXX. I called Bank of America because I noticed there wasnt a transaction recorded on my recent transactions, for the amount of XXXX dollars even though my balance didnt reflect the change. When I called on XX/XX/XXXX XXXX XXXX ended the conversation by letting me know that the transaction was never reported on my account and there is no refund to credit to my account. I have the receipt of the transaction and am owed the XXXX dollar credit to my account due to the hold. The attached file is a print that the original price was paid, but I havent received the XXXX dollar refund. Instead the transaction went missing from my account without a change in balance.
Consumer complaint received 2019-11-15
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. (MA)

Good Afternoon, I have for many years been writing and calling ect. I have not been able to resolve this. When i go to get my credit report checked for an apartment or a car it shows 8 to 10 closed accounts since XXXX. I am in good standing with my loans for a long time now with a XXXX XXXX. I been denied for many years because it shows all account on as closed and all i want is it to be removed. I recently just disputed them once again and now they are going to stay on my report til XXXX which i find is unacceptable. I have written letters to all creditors one by one 2 years ago no response. I have also called them as well and no one can seem to help me. I am also working with Massachusetts attorney general because the school i have attended was shut down for where these loans were used for and i have been struggling for years to clear this off my report and i feel helpless now. I would like to see if i can get help to solve this for my future and my family as well. Please i would really appreciate this so much. 

Thank you Sincerely, XXXX XXXX
Consumer complaint received 2019-08-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I am in the Public Service Loan Forgiveness program. I have been continuously employed at the same institution since XX/XX/XXXX, have made all scheduled payments, and have submitted annual employer verification forms. I have kept records of all my payments On XX/XX/XXXX received a " Pslf Qualifying Payment Update '' after submission of my annual employer verification form. It accurately  listed 14 qualifying payments between the period of XX/XX/XXXX - XX/XX/XXXX. 

Today ( unprompted ) I received another " Pslf Qualifying Payment Update '' that counts only 2 payments in that same time period XXXX XX/XX/XXXX - XX/XX/XXXX ). I do not know why they are counting 2 instead of 14. Again, no changes in employer or payments or any reason at all why 12 payments should not be counted! 

It appears the reason why these payments are not counted is because in spite of the fact that I submitted annual requests to avoid " in school deferment '' of my loans ( most recently, submitted " School Related Deferment Waiver '' on XX/XX/XXXX and received confirmation by phone on XX/XX/XXXX that it had been approved ), they *retroactively* put me into School Related Deferment beginning on XX/XX/XXXX, *retroactively* counted my on-time payments therefore as " pay ahead, '' and therefore are not counting them toward public service loan forgiveness. 

This is an absurd abuse of the In-School Deferment Waiver ( which I did not want or use and which I clearly attempted to waive in writing using their online form ) in an attempt to assure I do not receive Public Service Loan Forgiveness. 

Can you assist me in removing this unwanted, retroactive in-school deferment and assuring that my accurate count is reinstated? 

Many thanks, XXXX
Consumer complaint received 2021-05-24
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX My mom name is XXXX XXXX Her husband name is XXXX XXXX I XXXX been an victim of identity theft since the age of XXXX 2009 Where before I came out of my group homes my mom XXXX and her husband XXXX which is my step father been using my social To run up bad debt before I even had the chance to use it for myself XXXX XXXX another data company that they option me out of, so that I wouldnt be able to see certain accounts on my report knowing an regular consumer report has a way of receiving its information and now me being XXXX it is effecting judgements liens before I was even able to get a job, my social they use to require jobs, phone bills mortgages insurance benefits Wasant informed of nothing nor received the help from the benefits. 

The reason I was in the group homes was because of abuse I have called them and know this is finical XXXX can somebody please Let XXXX XXXX Equifax core logics XXXX XXXX Mortgages insurances judgements liens auto insurance I have a XXXX since I was young. My mom use to get benefits for me being XXXX. Idk who they are getting away with this stuff the scandalous activity needs to stop its not just like a somebody puck up my social and used it once or twice this is a whole operation they been doing and I have got the police Irs trade commission and have contacted legal services for an attorney the proper and legit way please give me some understanding. There not American they was not born in America. I was they look at me like money gold mine because I was born in America they are not from untied states.
Consumer complaint received 2017-12-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (NY)

Sallie Mae basically refuses to offer any help to me since I have a private loan. My co-signer and I can not afford the {$1100.00} payment/ month. They have told me numerous times to apply for the " rate reduction program ''. Both times, we failed. I received legal advice from my attorney, and he says they 're completely in the wrong. When I told Sallie Mae that I have an attorney, they basically tried to cover their tracks and asked me to apply for this rate reduction program again. After leading me into forbearance for nearly a year, my total loans has gone up {$4500.00} in interest. I 'm out of options.
Consumer complaint received 2021-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (CA)

On XX/XX/2021, I deposited a Treasury Check to my new Citibank account that I had opened online. A few days later I received an email from Citibank stating that due to my having violated the account terms, my account was being closed. I found out that my debit card and online access to my account had also been terminated. When I phoned Citibank to determine why, I was told that my check was not valid and that the issuer had been contacted to verify this. When I contacted the issuer, they were surprised and verified that the check was valid. I went back to Citibank, who told me that a duplicate check had been cashed prior to XX/XX/XXXX. Again, the issuer said that no such check had been cashed, and that my check had been cashed on XX/XX/XXXX. Citibank refused to give me any more information. I went to the branch and was told that they could not help. The phone support at Citibank then told me that I had to wait two more weeks until they determined whether the check was valid. At this point, it was XXXX. There was a lot more back and forth, and waiting on hold for literally hours, by me and also with the troubleshooter from the issuer. Finally, I went into the branch and the manager was able to get someone from Citibank, on the phone with the issuer also, to admit that this had been human error and should never had been done. I was told that the check would be mailed, but it would take 3 weeks. A few days later, the bank manager said that my account would be re-opened and the funds deposited, but he called back a few days later to say this was not possible and that he had been advised not to handle the issue any further. He referred me to a different Citibank department, the XXXX ' department. I have not heard from them. To date, I have still not received a check. On XX/XX/XXXX, it will have been 60 days.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NM)

Due to the ongoing problem with Wells Fargo they continue to reverse the credits. Cause me overdraft fees and Im on a fixed income. They just caused me to not make a car payment because the took XXXX and change from my account. Now I have been in the red since. No one listens and I get the phone hung up on me every time. This company abuses the rights of XXXX but yet they never seem to pay for what they do wrong. If I did this to someone I would be in jail.
Consumer complaint received 2021-07-12
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: PENNYMAC LOAN SERVICES, LLC. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2020-11-21
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. (NC)

XXXX - I have sent over 4 dispute letters to XXXX all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. 

Transunion - I have sent over 4 dispute letters to Transunion all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. 

XXXX - I have sent over 4 dispute letters to XXXX all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. 

Dates:XX/XX/2020 - XX/XX/2020 Actions Taken by Me : Sent 4 dispute letters to All bureaus ( XXXX, XXXX  and Transunion ) by Certified Mail Return Receipt to remove inaccurate accounts.
Consumer complaint received 2023-04-02
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: EQUIFAX, INC. (MI)

These are the companies that have inquiries on my credit report in which I did not authorize : XXXX XXXX XXXX XX/XX/XXXX, XXXX Verify- XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX, US Department of Education-XXXX, US Department of EducationXXXX XXXX XXXX
Consumer complaint received 2021-05-04
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (WA)

We have been attempting to payoff our forbearance 2nd mortgage for 3 weeks now We can not get anyone to respond to the written requests from the closing agent At this point they are costing us potentially the lock we have on the refinance we are doing This is unacceptable- it should not take 3-4 weeks for any company to provide a payoff letter
Consumer complaint received 2024-05-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PLANET HOME LENDING, LLC (WV)

Everything is back to normal now. But I have an FHA loan with Planet Home Lending ( PHL ) and during the pandemic my loan was in forbearance. Coming out of the pandemic, rather than work with me and help me obtain Housing Assistance Fund ( HAF ) approved by Congress through my State Agency, Planet Home Lending ( PHL ) moved to wrongfully foreclose on the property while assis
tance money was sitting and waiting. PHL nearly achieved its goal of Wrongful Foreclosure until I threatened to sue directly the lawyers and law firm involved in this blatantly illegal, thuggish and criminal conduct. I firmly and strongly believe the lawyers and law firm pulling out of the Wrongful Foreclosure process following my threat to sue forced PHL to come around and work with me and the State Agency to get HAF funds. The loan was modified and all mortgage arrears accumulated during the forbearance were paid and in addition PHL charged numerous illegal and exorbitant fees. I am currently drafting the lawsuit against PHL and its lawyers because their egregious and outrage conduct can not and should not be allowed to stand without SERIOUS legal consequences. Before the pandemic and the loan going into government-mandated forbearance, I had never been late or missed mortgage payment. Since HAF funds were applied and the loan came out of forbearance, I have also never been late or missed payment. It is my strong and firm belief that the abundant equity on my property was the motivation for Planet Home Lending to initiate and make this Wrongful Foreclosure move just like Countrywide in XXXX and many other unscrupulous, greedy and criminal corporations in the housing market. I am being responsible paying my mortgage on time every month for years and never took out a dime in home equity even when I was struggling financially but Planet Home Lending did not think twice to attempt to steal the property because of its equity while there was plenty of government aid money available and sitting around to cover arrears accumulated during government-mandated and pandemic-triggered forbearance. I am right now drafting the Complaint to be filed in the next few weeks against Planet Home Lending and its attorneys however I thought it was crucial and important to inform your agency and any and all other concerned state and federal housing agencies. Whatever help, assistance or guidance you can provide will be much appreciated. You may share my story in any venue you wish as I believe people have the right to know and should be made aware of PHL 's business practices and the business practices of others like it especially in the post pandemic era.
Consumer complaint received 2020-11-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (MA)

I opened a DiscoverCard Bank Account, that would automatically pay my DiscoverCard bill when it came due. I have set a {$900.00} credit limit on the card because I have had my card number stolen on the internet twice and the second time they charged 2 items at {$1000.00} apiece. With my {$900.00} credit limit I have to watch my spending, but I do that. The DiscoverCard Bank was going to pay off my card on time. XXXX thru on XX/XX/XXXX my credit limit was in sight so I sent in {$300.00} to Discovercard, so my card would keep on working. So at the end of the month, instead of paying off the card in full, it only paid the balance left after my {$300.00} payment was taken in. I now at the beginning of XXXX XXXX XXXX ) I have less than {$400.00} credit left on the card, which with all the transactions for the month will not be enough. I called Discovercard and asked them to close the DiscoverBand account and put all the money into my Discovercard amount and close the DiscoverBank account. They said they could not do it - in my mind this is a SCAM - I can not transfer my own money from the 2 accounts I own. They have my money and they will not give it back.