davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have disputed this account numerous times with Transunion which Transunion has violated so many laws under the FCRA. I am a consumer that should have an accurate credit report. Transunion is reporting an account that is under XXXX XXXXXXXX BANKRUPTCY as OPENED and as an consumer who knows the laws and knows my rights any account that is filed under Bankruptcy should be reported to the credit bureaus as CLOSED. Also, it has the last time that the Bankruptcy court made an payment to them, which is also against the law for a account that under Bankruptcy. By the way I have taken a screenshot of my report which has even in the notes that account is " INCLUDED IN BANKRUPTCY ''. Now that Transunion has made an error on my report it needs to be removed!
Consumer complaint received 2017-01-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (FL)

I have my payment on auto pay. I have at times encounter that the change in payment does n't go thru. ( 3x ) I have always paid. Now at first it did n't register. But now that it has happened again I think this practice is very shady and unethical. My auto payment goes thru but since the sum has changed PHH Mortgage Co. does not apply the payment to the current month. It claim it goes to principal and therefore causes my account to go delinquent. On top of this they XXXX a late fee. So you can imagine my surprise when I received a bill more than double what I am used to paying. To top it off..To rectify the issue they have to file and wait for another department to XXXX and refund or deny etc.. in 15 days which causes me to be more late.Which puts me in jeopardy of more late fees! I do not understand how no one is addressing this. They are cause this so they can collect more revenue from customers. It should be a simple fix. 
Oh and by the way the agent are not notifying me of this I sent a check for the diff in payment not knowing there was a late fee. Now I just received a bill for the monthly payment they claim was n't paid ... yet the monies ( to their benefit ) went elsewhere. This can not be legal
Consumer complaint received 2015-09-04
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (IL)

As of yesterday, I am XXXX months behind on my private student loans payments through Navient, formerly through XXXX XXXX. They are calling me XXXX times a day. I work a full time and a part time job. But I have XXXX children and am going through a divorce so money is very tight. I have to take care of our immediate physical needs before I pay this predatory loan than is accruing interest at a staggering pace. Private loans also do not offer the same programs that Federal Loans do, so there is no chance of an income based repayment or other options that I could qualify for. Please make them stop calling so much. I 'm trying to work and make money. When I see them calling every hour, it 's a distraction and it 's heartbreaking.
Consumer complaint received 2016-06-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

When I contact Navient to attempt to lower my monthly payments based on my income, I am told that my necessary expenses such as rent and utilities are not considered in their calculation. I do n't know if this is common practice with all student loan lenders first with XXXX XXXX and now Navient I 'm being told I having a roof over my head and gas to cook with are luxuries. I 'd like to see this policy/practice changed with all lenders. 
Additionally, when attempting to collect past due payments companies should only be allowed to place one phone call per day. XXXX XXXX made a habit of calling a minimum of five ( 5 ) time per day.
Consumer complaint received 2016-07-20
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Home Loan Center, Inc. (TX)

The week of XX/XX/2016, I went online and saw Lending tree offered available financing rates of 2.7 % for 15 years. I filled out the application and submitted it. The next few days, I had one lender contact me, XXXX XXXX, and they said they would only offer 5 % interest rate and I had a credit score of XXXX and wanted to pay off a {$40000.00} mortgage loan. What I did received was many, many solicitations for Home Owners Insurance, contractors to build on, everything but XXXX Mortgage companies. 

Then the next week on XX/XX/2016, I called Lending Tree personally and Supervisor XXXX and his boss, XXXX XXXX. They both tried to tell me that Lending Tree does not take applications for loans under {$60000.00}, then I showed them on their own site that in the application process it showed loans even under {$40000.00}. They refused to have Loan companies contact me because I said they advertised a 15 year loan with a fixed rate of 2.7 % and I wanted to speak with a loan company who gave the 2.7 % interest rate. 

I told them that this is " FALSE ADVERTISING '' when you publicly advertise 15 year loans at a 2.7 % interest rate. XXXX began to talk very rude to me, talking over me, trying to make me hang up and then they would not have to deal with the False Advertising claim. I requested in writing for his boss, XXXX XXXX to call me back the next day and she has not called me back, therefore refusing to talk with me and deal with their claim that they could get their customers a 15 year fixed rate loan at 2.7 % interest rate. I definitely qualified with a credit score of XXXX, a home that appraised for {$170000.00}, and the loan amount requested to pay off was only {$40000.00}.
Consumer complaint received 2018-03-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (IN)

See attached documentation.

Summary :XX/XX/XXXX - Made a {$500.00} purchase online - 6 months / no interest.

XX/XX/XXXX - Received {$20.00} credit ( promotional offer for using card )XX/XX/XXXX - Made a {$2000.00} purchase online - 14.9 % interest until paid off XX/XX/XXXX - 15 minutes later, called Customer Service to see if transaction could be voided as I decided to use a 0 % offer from another card. Confirmed charge voided and I would not be charged anything, and that it would show as a debit and a credit on my statement.

XX/XX/XXXX - {$2000.00} credit for XX/XX/XXXX transaction posted.

XX/XX/XXXX - Automatic Payment of {$80.00} credited to account which was deliberately set so that the {$500.00} from XX/XX/XXXX would be paid in full within 6 months.

XX/XX/XXXX - {$2.00} interest charged in errorXX/XX/XXXX - Contacted Customer Service via online messaging portal to advise of error.

XX/XX/XXXX - Received response from Customer Service that did not address issue at all. Was not notified via email of the response, so did not see until XX/XX/XXXX.

XX/XX/XXXX - Automatic Payment of {$97.00} credited to account instead of the authorized {$80.00}, in accordance with terms that adjust payment to the minimum due if it is less than the automatic payment amount. This was done in error.XX/XX/XXXX - Replied to Customer Service.

XX/XX/XXXX - Sent additional message to Customer Service after I realized that the mistake made was that the {$2000.00} credit was credited in error to the open transaction from XX/XX/XXXX instead of the {$2000.00} transaction from XX/XX/XXXX. This was likely due to how the automated settings are handled when applying payments. At this point it was obvious that a human being needed to manually make the adjustment. The process is simple for anyone with proper training.

XX/XX/XXXX - {$4.00} interest charged in error XX/XX/XXXX - Received response from Customer Service stating that the matter had to be escalated to the Corporate Offices.

XX/XX/XXXX - Filed CFPB complaint as no action has been taken by creditor.

XX/XX/XXXX - Confirmed account online states : Your next Auto-pay Amount of {$80.00} will be processed on XX/XX/XXXX. However, based on XX/XX/XXXX error, will be automatically changed to {$97.00} without notice or authorization from me. This will be an error.
Consumer complaint received 2022-08-15
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. (GA)

In accordance with the fair credit reporting act XXXX  account XXXX has violated my rights 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 A section also states a consumer reporting agency can not furnish your account without my written instruction
Consumer complaint received 2021-05-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months. After waiting for 180 days to withdraw my funds I was not authorized to withdraw still. But I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the fair credit reporting act XXXX account XXXX has violated my rights 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 A section also states a consumer reporting agency can not furnish your account without my written instruction
Consumer complaint received 2016-02-27
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TN)

Obtained my degree, and have had difficulty finding a job since. Companies do not want to hire someone out of college with a degree. They seem to want to hire those with more experience. As a result, I have had difficulty paying my loans when I only make XXXX a year.
Consumer complaint received 2017-02-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I have had my mortgage with Citizens One Bank since XXXX. My XXXX XXXX payment was made through XXXX Bank online bill pay before the end of the month. But due to the holiday, the payment apparently did n't go through until XXXX XXXX. According to XXXX XXXX, this caused my credit score, which was reaching the high XXXX range, to drop significantly. I am asking that Citizens One will remove this as showing 30 days late due to the circumstances. I talked to XXXX of their customer service reps and he said this is prone to happen when you go through a 3rd party bank. To avoid this issue moving forward, I agreed to have my payment automatically drafted through Citizens One and the customer service rep is sending me the forms. My hope is to restore my credit score to the previous high ranking.
Consumer complaint received 2016-01-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Bureau of Lancaster County, Inc. (FL)

Please I called to lancaste collector and they are n't longer with that account so they gave me the new collector number I contacted that collector make a payment en full he sent me the receipt. Later sent the receipt to credit burrows and they do n't removed from my credit report that account. 
That payment was make it XX/XX/2014.
Consumer complaint received 2016-10-30
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: DCN Holdings Inc. (NY)

Someone named " XXXX '' called a few days in a row. 
I called her back to be told they were hired to collect on a judgment for " XXXX XXXX '' to see if they could collect " before he attaches my wages. '' I asked her to send me proof of whatever judgment she is speaking of, proof that they were hired by this person, contact info of " XXXX XXXX '' and copy of XXXX license for XXXX. 
She told me, " This is not customer service, it 's debt collection. '' So I hung up. 
I received the enclosed letter after her phone calls. 
She did not send any of the info I asked for and the letter does not even list address, phone number etc. of creditor. 
I have had problems in the past with fake debt collectors attempting to extort money from me for judgments that do not exist and this may be another such place.
Consumer complaint received 2022-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (IL)

Made final payment on two separate accounts with Midland Credit Management. Requested written confirmation showing both accounts were paid in full. To date, I have not received the letters and called several times unsuccessfully to reach them. All numbers which are on the website were non working numbers
Consumer complaint received 2016-09-28
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: WELLS FARGO & COMPANY (CA)

I WAS CONTACTED BY WELLS FARGO BANK ABOUT XXXX OR XXXX, I WAS GIVEN A CREDIT CARD WITH A {$9000.00} CREDIT LIMIT, THEY JUST GAVE IT TO ME I NEVER APPLIED BECAUSE I DID N'T THINK MY CREDIT SCORE AT THE TIME WOULD ALLOW ME TO HAVE THAT MUCH ON A CREDIT CARD LIMIT,. THEY JUST GAVE IT TO ME, AND NATURALLY THOUGHT IT WAS A GIFT FROM XXXX, I USED IT A COUPLE OF TIMES FOR CASH ADVANCEMENTS, AND TO PAY OFF SOME OTHER CREDIT CARD BALANCES, THEN ALL OF A SUDDEN THEY CONTACTED ME AND SAID DUE TO FURTHER RESEARCH THEY SLASH THE LIMIT FROM {$9000.00} BACK TO {$2500.00}?? THEIR WERE N'T ANY LATE PAYMENTS ON MY PART, THEY JUST CUT THE LIMIT BACK, THEY HAD ALREADY CHARGED ME FOR THE ACCOUNT, AND FEES CONNECTED WITH OPENING THE ACCOUNT AND CASH ADVANCEMENTS, IT DID N'T EVEN REGISTER WITH ME UNTIL I READ THE XXXX XXXX ON XXXX ABOUT WELLS FARGO GOING AFTER XXXX ( I AM XXXX YRS OLD )
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within XXXX business days.
Consumer complaint received 2016-06-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

I have an escrow account with my institution but my escrow account keeps getting higher I 've had this escrow account for more than two years and I 'm told and they statements that I owe more monies Please help me to resolve this major issue and concern
Consumer complaint received 2016-11-19
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (PA)

A couple years after I noticed a car loan on my credit report that I never signed for. In the last 3 months I 've disputed this account multiple times and can provide certified copies if needed and nothing has happened. I just keep getting " verified new information below ''. I found your site from a friend that had similar experiences with the credit bureaus. I want this item off of my credit reports immediately. They are seriously affecting my credit score.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Upon thorough review of my credit report from TransUnion, it has become evident that numerous discrepancies and inaccuracies exist within the reported information. These discrepancies encompass various parameters including, but not limited to, high balance, last verified date, date of last activity, date reported, date opened, balance owed, closed date, account rating, account description, dispute status, creditor type, account status, payment status, and original creditor. Such discrepancies cast doubt on the reliability and accuracy of the information presented.

As a leading consumer reporting agency, TransUnion LLC is subject to stringent obligations outlined in the FCRA. These obligations mandate the accurate reporting of consumer information, the diligent investigation of consumer disputes, and the rectification of any inaccuracies or incompleteness identified in the reported information.

Moreover, the ramifications of TransUnion 's inaccurate reporting extend beyond mere inconvenience. My recently encountered a detrimental consequence as a direct result of the inaccuracies within their credit report. Specifically, my application with the United States Capitol Police  was unjustly rejected due to false and incomplete information furnished by TransUnion LLC. This unwarranted rejection has inflicted substantial harm upon my financial stability and personal reputation.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My complaint was closed without any result of the investigation being sent to me. I am refilling this complaint again demanding to send the result of the investigation on these accounts XXXX  XXXX XXXX ( Collections ), XXXX XXXX ( XXXX ), XXXX  XXXX XXXX ( Collections ), XXXX XXXX ( Collections ) XXXX XXXX  XXXX XXXX ( Collections ) and XXXX XXXX XXXX ( Collections ). If these account can not be verified, I demand these items to be deleted.
Consumer complaint received 2021-02-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (TX)

I received a phone call from T.D. Bank advising me that my account was in a delinquent status. I was baffled and informed them that I have payments set up automatically each month through my bank & havent missed a payment. They informed me that although they were receiving payments each month, they were posted after the due date, thus the late fee. I informed them I could move the deliver by date or even set up Auto pay through them to fix the situation and asked that they waive the late fees. They refused. Another issue is that I was unaware of the delinquent status of my account until months later. I mentioned I never got a phone call, voicemail or letter from them until months later. In fact, when I spoke with the collection agent I informed him I hadnt received anything and he confirmed he didnt see any letters sent out ( their calls are recorded so they can verify this ). A week or so later I received all of the letters at once. Had I been notified sooner I wouldve rectified the situation. I spoke with them again today and they said they were only willing to waive 1 late fee, but there was still {$210.00} past due. Had they called me or sent me a letter after the 1 late fee was assessed I wouldve made sure to correct the situation. Instead, they waited until a substantial amount of late fees were stacked up and then made an effort to reach me. All in all, I find this very unethical on their part and just want to resolve this matter without it effecting me further. I dont know if this has already impacted my credit score, but I will look into it. Im seeking the reversal of the late fees and to set up auto pay directly with them. I dont go around not paying my bills. Ive been treated unfairly and just want to make this right without taking food off my familys table.
Consumer complaint received 2022-08-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (MI)

On XX/XX/XXXX my loan with Net Credit was funded in the amount of {$5600.00}. My loan was initially issued on a bi-weekly repayment schedule. After my loan was issued, I advised that I was paid semi-monthly and asked if my loan could be re-amortized to a semi-monthly repayment schedule. Net Credit agreed and I have been paying my loan based on the semi-monthly schedule since that time. No where in my loan agreement or in any communication with Net Credit was I made aware that my loan payments would not start paying on the principle balance until XX/XX/XXXX. That is over two full years of payments at {$220.00} twice a month that goes to nothing but interest. I recently went into my online account to look at my balance as I wanted to see if I could pay the loan off. To my surprise, as of today, XX/XX/XXXX, my loan balance {$5400.00} meaning of the over {$7000.00} I have paid so far only {$190.00} has been applied to principal. I also will be submitting an attachment to show that my initial amortization schedule based on the bi-weekly repayment terms fully amortized the loan with principal and interest from each payment however when they re-amortized my loan to the semi-monthly schedule the payment allocation changed to what I described earlier. This, in my view, is not only unfair in that I need to wait until XXXX of XXXX before I start paying principle from my scheduled payments but also deceptive in that this amortization schedule change was not explained to me and was not part of my original loan terms that I agreed to. You could make a case for abusive as well considering I am essentially stuck in this loan until Net Credit has received all of the interest due to be collected over the full term of the loan.
Consumer complaint received 2023-05-06
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. (PA)

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible.
Consumer complaint received 2022-02-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2017, I opened an account with Capital One Auto for a car loan. Capital One Auto violated federal laws detailed in the attached letter. Capital One Auto has violated my consumer rights since the inception of this consumer transaction. Right of Rescission Notice was never provided to me and the company used deceptive practices to enter into a consumer transaction. I requested information via certified mail and no response was provided by Capital One Auto.