davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (FL)

I have tried for many years to get my credit reports from XXXX. Tried online and also phone and paper. No reports. Once, Experian did send a report, and I got some XXXX information through an insurance company. Those exceptions aside, my requests go nowhere. Our banks other financial institutions all advise checking credit reports frequently, at least annually. But XXXX 's failure to provide that service and, more important, failure to provide any reason for NOT providing it, is most frustrating. 
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We ( wife and I ) believe we have excellent credit, probably close to XXXX. We do n't need more credit, but we do need to check our credit reports for accuracy. That 's all we want. 
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I spent this evening trying unsuccessfully to fill out XXXX Contact form. Again and again, I composed a detailed and clear statement and request for help, only to be dropped out of the form with several ( XXXX ) different errors that did n't happen. No help there. 
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I want to know what the problem is. Is there something wrong with our accounts? Do we need to be concerned about possible identity theft? 

I did not fill out another request in recent years. It 's clear what will happen : nothing. 

Can you help? 
XXXX. XXXX From XX/XX/XXXX to XX/XX/XXXX : XXXX. XXXX.
Consumer complaint received 2020-10-19
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: ID Analytics, Inc. (OH)

THIS IS THE 3 TIME I HAVE FILED A COMPLAINT TO XXXX XXXX AND OTHER CRA. I have several addresses on my file that I never lived incorrectly listed on my credit file. My name is XXXX XXXX XXXX XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX. My SS is XXXX. Please delete any name variation and additional SS off my file ( Not my SS XXXX, Not my SS XXXX please delete 609 FCRA violation ) THE FOLLOWING ADDRESSES ARE NOT ACCURATE PLEASE DELETE : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX  XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX  XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX  XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX.
Consumer complaint received 2015-07-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MD)

My mortgage was sold to Bayview Loan Servicing from XXXX XXXX. Everything regarding my loan remained the same ( payment, etc. ). I made XXXX payments of my original amount to Bayview for the months of XXXX and XXXX 2015. In XX/XX/XXXX, my payment increased from XXXX to XXXX. I was told this was because they added escrow. When I was with XXXX XXXX, I did not pay escrow because we were responsible for our own taxes and insurance. Bayview paid the escrow on my property and that is why my payment went up. I called and was instructed by them to send them a letter stating that we were responsible for escrow payments and they would restore my payment to its original amount. We paid {$1500.00} for our mortgage in XX/XX/XXXX because it was the end of the month. I mailed a certified letter to Bayview regarding my escrow and taxes and was told that it would take XXXX days to process. When I called after the XXXX day, I was told that it would take XXXX days, so my payment would go back to its original amount on XXXX XXXX. I was also told that they had received my paperwork. It is now XXXX XXXX. I called Bayview to make my payment ( late fees were waived ). The payment has not changed. We are now being informed that they will not remove the escrow because we were a day late paying our taxes. Bayview is not abiding by the original terms of my loan. I do n't understand this. We have not been delinquent in paying our taxes or our insurance. My mortgage payment has now doubled which is putting me and my family in a financial hardship. All we are asking is that our payment return to the original amount. We have the funds to pay Bayview back for the escrow that they paid. We had it the whole time. We need your assistance immediately!!!! Thank you. I was just informed that their systems went down and that I could no longer speak to anyone there. I would have to call back and speak to someone else. I have explained this situation to so many people over and over again.
Consumer complaint received 2015-08-05
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

Calif check cashing charging 150 % interest on a loan I took outand I am XXXX and ca n't pay this ; no one said what the interestrate was. 
They keep calling me and my family and telling my business.
Consumer complaint received 2016-03-12
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: SLM CORPORATION (VA)

I have talked with the company and still feel like I am being discriminated against. It is my understanding that a cosigner is provided to make sure a loan is paid back. My cosigner has half the requested loan amount in a savings account and around 300 acres of land and last time I looked, XXXX acres was going for XXXX dollars in that area, more than enough to pay the loan if needed. I have explained that there are errors on my credit report that I am in the process of fixing and I sent them XXXX test results showing that XXXX and having to take the entire year of 2015 to learn to walk and wright. All I want is a chance to go to school, I want to do it on my own and I have made sure I had a cosigner who can pay the loan back with no problem. According to my research, it is against the law to discriminate based on illness or XXXX as long as the money can be repaid and I am being discriminated against for being ill no mater what some representative says.
Consumer complaint received 2021-02-19
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. (GA)

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 51 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. 30 days gives a reason to immediately remove those items from my credit report it has been over 51 days so they should be deleted promptly. I demand these accounts deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax date breach and may have got into the wrong person.
Consumer complaint received 2015-05-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NE)

Payment on Private student loans is not allocated appropriately on multiple occasions. Efforts to correct errors through XXXX XXXX ( now Navient ) representatives has been met with repeated refusal. 

A substantial majority of the monthly payment is allocated to the private loan with the lower interest rate and the smaller principal balance. Instead, a majority of the payment should be allocated to the private loan with the larger principal balance ( which also happens to have a higher interest rate ). 

XXXX XXXX 's ( now Navient ) errors are consistently in the company 's favor because the allocation method used have been frequently applied so that my loan with a lower interest rate is paid off before the loan with a higher interest rate ( and larger principal balance ) In the attached documents, please note that the loan noted as " Loan XXXX '' or as " XXXX '' had an original principal balance of {$32000.00} and has a current interest rate of 3 %. The loan noted as " Loan XXXX '' or as " XXXX '' had an original balance of {$28000.00} and has a current interest rate of 2 %. 

For example, XXXX the attached document will show that my payment of {$430.00} on XXXX XXXX, XXXX was misallocated among the XXXX private loans within a Billing Group. {$250.00} of the total was applied to Loan XXXX with a 2 % interest rate, while only {$180.00} of the total payment was allocated to the loan Loan XXXX with a 3 % interest rate and a larger principal balance. 

In another of the attached documents, a portion ( {$24.00} ) of the {$51.00} payment is applied to the principal of the loan XXXX ( also known as Loan XXXX ) with the lower interest rate while none of the payment is allocated towards the loan XXXX ( also known as Loan XXXX ) with the higher interest rate. 

The third document shows a similar allocation error made on a payment in XXXX XXXX, XXXX. It is included as an example. There are many similar allocation errors made during the course of loan repayment The attached document is only XXXX example of this same allocation error that occurred a number of times until, after repeated requests, XXXX XXXX agreed to separate my XXXX private loans so that they are no longer in a Billing Group. 

After reviewing my original promissory note, I can find no justification for these loans being originally placed into a Billing Group, where they remained for almost 8 years until they were separated. I can see no benefit to me as a consumer that my loans were placed into a Billing Group ; however, the multiple allocation that XXXX XXXX made over several years did benefit XXXX XXXX in that I was prevented from paying down my private loan with the higher interest rate ( and the higher principal balance ) in a timely manner. 

Since this allocation error has been consistent and persistent, I believe it to be systemic and purposeful - likely impacting many borrowers.
Consumer complaint received 2022-02-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (IA)

Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with CREDIT COLLECTION SERVICES. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.
Consumer complaint received 2017-03-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OH)

We were told our lowest payment option was interest only payments, Which we have found out is not true. 
Our interest even after payments accrued every month. 
Payments were allocated to incorrect loans by Navient. 
We have contacted Navient several times only to be told there is nothing they can do. 
We also were told by a Navient individual that would work with us after defaulting.
Consumer complaint received 2022-09-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PENNYMAC LOAN SERVICES, LLC. (MI)

On XX/XX/XXXX I received a robo-signed letter with another legally invalid [ fraudulent ] " Payoff Statement '' which again lacks any names of my alleged " creditor '' ; or any names of any employees of my alleged " creditor '' who was authorized to prepare this Statement ; and who actually prepared this Statement or who will receive my money This Statement must be updated according to the law. I DEMAND THE NAMES AND CONTACT INFORMATION FOR EVERY INDIVIDUAL EMPLOYEE WHO PREPARED THIS PAYOFF STATEMENT AND WHO WILL RECEIVE AND PROCESS MY MONEY. 

I want to make another good faith attempt to resolve this situation and make a payment to my alleged Creditor- if it exists and owns the account receivable for my alleged " loan '' which I want to repay. 

I offer to drop all of my inquiries and challenges and make a FULL PAYMENT ( by personally delivering my money in certified check to the authorized employee of my alleged Creditor ) if an officer of any business entity warrants ownership of an unpaid loan account due from me and acknowledges the agency of the designated servicer to administer, collect and enforce said account. 

This requests is based on XX/XX/XXXX official admission that my money are actually collected by XXXX XXXX XXXX XXXX - while another company -PennyMac- XXXX to be a " Servicer '' who does not perform any Servicing functions that so ever, since the billing statements and correspondence is sent to me by XXXX, XXXX XXXX 

I do not know who received my money since XXXX has no records about any of my " transactions '' with XXXX, XXXX or XXXX ( since it was none of them ) and XXXX XXXX  who suppose to get my money ) deny its involvement. See attached. 

During all time in question all my money were deposited by XXXX on XXXX XXXX XXXXXXXX 's account - whose owner is unknown to me. PennyMac was not even mentioned in these transactions at all. 

Now I am directed either to wire my $ XXXX to XXXX XXXX XXXX - whose " home lending executive team '' can not confirm that this account is owned by PennyMac ; while XXXX XXXX once again confirmed that they have no records about any payments made on my behalf in XXXX by XXXX or XXXXXXXX XXXX or anyone else. 

Moreover, XXXX XXXX is now asking ME to provide them evidence of payment on my behalf! 

Bear to repeat, XXXX has no records about this transaction at all- since here was no transaction. 
I repeat my request : I will make a FULL PAYMENT, by delivering my money in person to the authorized employee of my alleged Creditor if an officer of ANY business entity warrants ownership of an unpaid loan account due from me and acknowledges the agency of the designated servicer to administer, collect and enforce said account. 

Best regards XXXX XXXX
Consumer complaint received 2023-03-27
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. (PA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

There is a account on my credit report from XXXX XXXX with the account number : XXXX. 
I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my Nonpublic Personal Information. For example, my name, social security number, and date of birth. Only a signed contract between I the consumer and XXXX XXXX would make me legally bonded to any debt that they may claim. I have never provided any wet signature or Nonpublic Personal Information to this company on any agreement. 

I have not received any Debt Validation Notice from XXXX XXXXas they were lawfully required to per FDCPA laws. 
Therefore, I was not rightfully able to dispute this account before they unlawfully caused harm to my consumer report. This is a request for proof of delivery or receipt that XXXX has sent a Debt Validation Notice to I the consumer. Written and verbal communication directed via FDCPA was not provided to I the consumer ; allowing me to properly dispute this invalidated debt. 

Enclosed is an invoice requesting {$1000.00} per account that is unlawfully reported on my consumer report. If no proof of delivery to the address below prior to XX/XX/XXXX, I am entitled to compensation of {$1000.00} per violation. Only verified documentation will be accepted for proof that your company followed fdcpa laws. 

Address : XXXX XXXX XXXX, XXXX XXXX XXXX This is a demand to CEASE AND DESIST as well as a notice of unlawful conduct and failure to distribute proper notice. Please remove this account off all my consumer reports immediately. 

Failure to remove this account off of all my consumer reports and failure to pay the invoice due to I the consumer will result in further legal action as well as the filing of a FTC report for Identity Theft per The Privacy Act of 1974
Consumer complaint received 2015-11-03
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have asked for Bank of America to provide me with a copy of the authorization agreement to prove I requested the account to be opened in my name. They have n't sent anything but billing statements which do not legally prove I requested the alleged account to be opened in my name and a letter I will attach.
Consumer complaint received 2018-03-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (GA)

I received a letter from Hunter Warfield the beginning of XXXX  for utilities that I didnt owe. I sent a certified letter to Hunter to verify that debt as being mine in XX/XX/XXXXXXXX  and they have yet to respond with proof regarding this debt.
Consumer complaint received 2016-02-25
Product: Prepaid card — ID prepaid card
Issue: Fraud or scam — 
Company: Neon Newco Corporation (AZ)

I received a Prepaid Debit card in the mail with my name on it from a company called " NetSpend ''. The letter that came with it explained how to active it and the costs. I was very upset that the card was created with my name and put in the mail. Even though this card was " prepaid '' it had my name on it. Anyone who received it could have used it to establish credit in my name. I called the company to ask them to take me off the mailing list and how they got my name? An automated recording started and asked for the credit card number ( which I destroyed so I did n't know it ) or my SSN. How would they know my SSN? The call was then answered by a person. I asked the customer representative about it and he stated I was n't in the system. I asked him to remove me from their mailing list and make sure there is no account with my name on it. He stated I was n't in the system. If I was n't in the system how did I get issued a prepaid credit card? I asked to speak to a supervisor and waited over 10 minutes which the representative said was still busy and I should try to call back later. I am very concerned this could lead to identity theft. I still do not know if this company has an account with my name open or if it has removed me from the mailing list.
Consumer complaint received 2021-04-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX of 2020, I discovered that I am a victim of identity theft. I find out that someone unknown to me had used my personal information and good credit to get two credit cards from XXXX and BANK OF AMERICA. At that time I had filed an FTC report through identhitytheft.gov and sent a dispute letter and copy of identity theft report including copy of my drivers license and notice to furnisher to the all major credit bureaus, also sent the same dispute letters to XXXX and BANK OF AMERICA. The dispute letters that was sent to the original creditors stated that these accounts were opened under my name fraudulently. XXXX removed the account immediately and BANK OF AMERID did the same thing, About three weeks after through my real-estate agent i find out that BANK OF AMERICA has re appeared on my credit report. being annoyed I contacted BANK OF AMERICA FRAUD DEPARTMENT and I asked them about the fraudulent account that re appeared on my credit report and why I was not notified about they put back that account on my credit report and what was their reason they put it back and I was told by their fraud department that they did not have enough evidence and they requested a police report from me. which I did give it to them.
Consumer complaint received 2022-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have noticed a late payment being reported on my consumer account : XXXX XXXX XXXX XXXX according to 15 U.S. Code 1681a A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report late payments are my consumer transactions and experiences reporting this is a clear violation of the FAIR CREDIT REPORTING ACT. Update the payment history to current for XX/XX/XXXX and remove all late payments on the XXXX XXXX XXXX XXXX, date opened is XX/XX/XXXX.
Consumer complaint received 2022-02-11
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: Credit Plus Inc (OK)

I was working with a mortgage company named, XXXX XXXX. That company did not obtain my authorization to run my credit again on XXXX and XX/XX/XXXX, far outside of the initial 30 day period of our mortgage application. Because it was outside of that 30 days these 2 credit pulls very negatively impacted our credit scores by more than XXXX points. I tried requesting that they politely remove these inquiries. At first, they agreed to. Then they changed their minds and refused to. They have only spoken with my wife over the last month and have never spoken to me. Not once. I have proof that it was their inquiries that destroyed my scores by way of my membership to XXXX and the subsequent alerts that come with that subscription. The company has written back and claimed that their score " simulator '' is more accurate and that the inquiries are shown to be inconsequential. They have also stated that my permission is implied through the application I filled out online on XX/XX/XXXX but I never saw or read anything about MULTIPLE HARD INQUIRIES more than 30 days apart. I've been through the home buying process before and I know what is entailed and I've never seen a company do anything like this before. They have put my wife on the verge of a nervous breakdown. All for a pre-qualification that we never even got. And now we are left with credit scores so bad we can't even qualify for a rental for another 3 months and they REFUSE to correct their mistake.
Consumer complaint received 2022-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

Im unable to make a payment or unable to submit my payment. I was told I had a late payment and they trying to avoid foreclosure and help Im not struggling to make a payment and I never miss any payments. They were transferring to contact the team unable to reach them. The branch bank manager are not able to fix the problem, the agents are unable to fix too. I was discriminated and threatened because of my previous complaints. Im still making my payment and due to Covid the offer me 6 months deferral and they are using that to attack consumers ( me ). I would like to remove my deferral amount immediately.