davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent the collection agency a complaint letter  XXXX   XXXX ,2017 is the day the credit reporting agency received the letter to investigate a collection account on my credit report named  XXXX   XXXX   XXXX   XXXX  that is wrongfully being reported. It has been more than 30 days and I still have n't received a copy of the results. The file I submitted is a tracking for the letters sent.
Consumer complaint received 2017-03-07
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have repeatedly requested that Portfolio Recovery Associates , LLC / Account Disputes Department provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Consumer complaint received 2016-03-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion continues to ignore all of my requests for investigation of wrong information on my report, Transunion has not notified me of any changes or investigation. 
I have received no emails nor letters from Transunion, addtioanlly I pay for the monthly service and see no alerts or notifications it has been over 30 days and have received no update original letter dated XXXX/XXXX/2016
Consumer complaint received 2018-03-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (OR)

In the first part of XX/XX/XXXX this checking account with US Bank was overdrawn and closed out. A class action lawsuit was filed against US Bank for charging excessive overdraft fees and for the way in which they posted checks to the account. I was a part of this lawsuit. In mid XX/XX/XXXX, I received a letter from a collection agency stating that I owed around {$1800.00} on this debt and it needed to be paid. I stated to the collection agency that I was part of a class action lawsuit against their client, US Bank, and the lawsuit had not been settled yet. I agreed to pay a set amount of {$720.00} and then receive a Release of Liability letter from them, which would release me from any further obligation to this debt. I made the required payments and received the Release of Liability letter on XX/XX/XXXX. This debt is no longer valid because of that. Since XX/XX/XXXX, I have been repeatedly contacted by different collection agencies, usually 3-4 times a year about paying this debt. Each time I inform them of the ROL letter and provide a copy to them and then do not hear anything, assuming it is taken care of. Then usually about three months later another collection agency contacts me again. I have been threatened twice now to be taken to court and both times when I bring up the ROL letter, they say they are going to take care of the matter. This has been going on for almost four years now and I am tired of it. US Bank has clearly violated the Fair Debt Collection Practices Act on several occasions.
Consumer complaint received 2015-07-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

I am on a home modification with XXXX and they went out of business. Unbeknownst, to me, XXXX XXXX, the investor, who has not been supportive sold my loan to this ... Penny Mac Loan in XXXX, CA. This so called bank or whatever they are had stolen my money, forged my name and continue to harass me. They continue to increase my payments and had the audacity to say to me. I quote, if I did not like it to walk away. These people are vicious, unprofessional, incompetent and I haaaaaaaaaaaaaaaate them. In all of my life, I have never dealt with such beasts. I am requesting an investigation against these people and their license to be permanently revoked. This business is not a business. They are a fraud.
Consumer complaint received 2017-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

XXXX to present paid out of my pocket my taxes that were due got bills in the mail. Paid over {$6900.00} dollars from XXXX to the present and they were suppose to be escrowed out of monthly mortgage payment from XXXX and never was being paid by my mortgage co. to find out that my monies went toward another customers loan at Ocwen and I was told this my managers at Ocwen. Emails history statements recd from Ocwen. I have receipts of all my taxes and I am requesting reimbursement of what I paid from Ocwen. They are giving me the run around. Several complaints against Ocwen see their website. I need help and assistance through this and I want to be reimbursed for all this money I Paid for my taxes that were suppose to be going towards my escrow account for my taxed to find out from the beginning XXXX my money was being applied to someone else 's account at Ocwen. Please help I have receipts payment history emails from mangers at Ocwen.
Consumer complaint received 2015-06-23
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Gold Star Finance, Inc. (TX)

THE XXXX APPLICATION FOR THE XXXX LOAN WAS REJECTED. 
I SPOKE WITH THE MANAGEMENT BASED ON THEREJECTION OF THE XXXX LOAN. 
I EXPRESSED TO THE MANAGEMENT THAT THEREAL REASON FOR THE REJECTION WAS THEUSE OF DEBT MANAGEMENT PROGRAMS ONMY CREDIT REPORT AND THAT I RECEIVE XXXXPAYMENTS AND AM ON XXXX.
Consumer complaint received 2016-06-10
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Flagstar Bank, N.A. (MA)

I have a mortgage with Flagstar Bank. They apparently mistakenly sent my mortgage ( and a number of other customer mortgages ) to XXXX for collection even though the mortgages are current and I continue to make regular payments. In speaking with Flagstar several times, they tell me that there was a mistake on their end in sending my loan for collection but it has been over a month and they still have not addressed the issue although they claim they continue to work the issue in their Research department. However, I continue to get calls from XXXX demanding payment even though I have sent an e-mail to XXXX explaining the situation.
Consumer complaint received 2016-03-15
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: New Century Financial Services, Inc. (NJ)

New Century Financial services, with XXXX has put a default judgement against me in a civil part court, for a debt I have daub is even mine, they levy my bank account money and my motor vehicle writ to take away, I 'm sure that I do n't owe any debt to them and they are harassing by doing so, I need help!
Consumer complaint received 2015-09-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

Had car loan with XXXX XXXX XXXX, same was voluntarily surrendered in XX/XX/XXXX. Item was to have been removed from my credit file from XX/XX/XXXX, and now is XX/XX/XXXX and it is not removed.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-03-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: LJ Ross Associates (MI)

I received a call from XXXX, a electrical company in XXXX stating that I have a balance on an account and owe money or my power would be turned off in XXXX immediately. This concerned me because I 've lived in XXXX for the past 2 years. I called XXXX and they had given me an address of account that had been opened that I did n't not recognize and have not lived in XXXX for 2 years. They then told me that this is a case of identity theft as someone else, not me, opened an account with all of my information, but was not me. They did not pay their bill, which is why they contacted me and is now in the collections hands. I have sent in the proper fraudulent dispute papers into XXXX and I need help getting this taken care of within my credit.
Consumer complaint received 2016-05-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Several of our mortgages have been purchased by SLS, XXXX XXXX, CO. We are paying down our loans by paying extra towards principal. The company is not applying extra payment towards principal even though I have specifically requested this. ( The company says the payment center tends to " overlook '' these requests. ) They are instead applying the extra money to future interest and principal. They have told me I must send any extra payment to principal to a different address ( make a separate payment ) and that this separate payment will not be noted on my monthly statement. The only solution to this dilemma they offered was to allow them access to our bank accounts and take out the money themselves. We refuse to give that control to this company!
Consumer complaint received 2016-03-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: PREFERRED CREDIT INC (CA)

I purchased a set of Saladmaster cookware and used Preferred Credit, Inc. ( PCI ) for the financing. The promotional financing was 12 months same-as-cash. The contract says that I will not be charged interest on the balance until the 12 month period expires and the interest will only be applied to the unpaid balance. 

I received XXXX statements, XXXX in XXXX and XXXX in XXXX. My XXXX statements shows an interest charge of {$55.00}, which increased my overall balance. I contacted PCI and spoke to a supervisor named XXXX. I explained that I was not supposed to be charged interest and that I wanted the statement corrected. She said that even though I do n't have to pay the interest right now, PCI is required to show the interest that " would be due '' if I did n't pay before 12 months. They do not however, report the actual balance without the interest charge. I asked her if the balance that PCI reported to the credit bureaus included the interest charge and she said yes. I demanded that PCI stop reporting a debt amount that I did not actually owe and that PCI correct my statement to show the actual amount I owed under the 12 month same-as-cash agreement. The supervisor refused and said they were required " by law '' to report the balance that included the interest, even though I do n't owe that amount unless and until I do n't pay the balance within 12 months. 

PCI is falsely reporting my actual debt balance on my monthly statements by including the unearned interest. The statement does not reflect the actual balance, which does not include the interest. 

Additionally, PCI is falsely reporting the debt balance that includes the unearned interest to the credit bureaus, which makes it appear that my actual debt is greater than it currently is.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have received my credit report and there is fraudulent accounts being reported on my profile from XXXX XXXX, XXXX and Experian XXXX XXXX XXXX Date XX/XX/2022 XXXX XXXX  Date XX/XX/2022 XXXX XXXX XXXX Date XX/XX/2022 XXXX XXXX XXXXXXXX Date XX/XX/2022 XXXX XXXX XXXX XXXX Date XX/XX/20XXXX XXXX Date XX/XX/202XXXX XXXX XXXX XXXX Date XX/XX/202XXXX XXXX XXXX XXXX Date XX/XX/2022 XXXX XXXXXXXX XXXX  Date XX/XX/202XXXX XXXX XXXX XXXX Date XX/XX/2022 XXXX XXXX XXXX  Date XX/XX/2022 XXXXXXXX XXXX Date XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: FREEDOM FINANCIAL NETWORK (FL)

I have written this email 3 times asking them to stop emailing. Never did we request information form them. There is no longer an opt out on their email either. My computer blocks all of their links they send in the email. This is the email address all of the emails come from XXXX. 
FreedomFinancialNet XXXX I just want them to stop emailing as I am sure it is a scam and worried they are getting information from my computer.
Consumer complaint received 2022-09-06
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. (TX)

I have received my credit report and there is fraudulent accounts being reported on my profile from XXXX XXXX, Equifax and XXXX XXXX XXXX XXXX Date XX/XX/2022 XXXX XXXX Date XX/XX/202XXXX XXXX XXXX  XXXX Date XX/XX/20XXXX XXXX XXXX XXXXXXXX Date XX/XX/202XXXX XXXX XXXXXXXX XXXX XXXX Date XX/XX/202XXXX XXXX Date XX/XX/202XXXX XXXX XXXX XXXX Date XX/XX/202XXXX XXXX XXXX XXXX Date XX/XX/2022 XXXX XXXXXXXX XXXX Date XX/XX/2022 XXXX XXXX XXXX Date XX/XX/20XXXX XXXX XXXX XXXX Date XX/XX/2022 XXXXXXXX XXXX Date XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2016-04-06
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: NAVY FEDERAL CREDIT UNION (VA)

On XXXX XXXX, 2016, I received a letter from Navy Federal Credit Union which advised me that my Home Equity Line of Credit was being suspended due to " a review of my credit history including a decline in my credit score '' This infuriates me because this credit line is a credit extension that is related to my home. Basically this change is a call in of a loan that to my understanding gave me a 20 year " draw '' period in which I was able to utilize the credit. This LOC is not even a year old. I was never advised that there was a minimum credit score that I had to maintain, nor was I ever told that they could call the loan in whenever they desired. I have never missed a payment since opening this account and was late only once because my direct deposit from my job did not take place on the date that it was supposed to and the ACH did not properly process. This payment was made as soon as I realized what happened. 
Navy Federal tells me in the letter that I can appeal their decision but I would have to pay for an new appraisal, which I believe was {$560.00}, so basically I can pay a fee to gain access to what I was already provided with. I believe that amounts to holding my account hostage. My home has not lost its value and my credit worthiness has not changed in relation to my ability to maintain my obligations and I should not have to beg for a loan on my home that I have already been given.
Consumer complaint received 2015-05-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (AZ)

Navient is refusing to work with me to lower my student loan interest rate on a permanent basis. They have refused to send me the terms of a 1 year program that lowers the rate by only 2 %. The Principle balance of my loan has more then doubled. I also believe they are outside the statute of limitations. Over the past 10 years they have called me multiple times sometimes more then XXXX times a day. They told me to move into a smaller house and do something to improve my situation. I have XXXX and work my hardest to pay for my loans - their reps belittle me and make me so upset I go home and cry. I can not take this anymore.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

RE : Discrepancy in Credit Report Listings XXXX  ( Account # XXXX ) ( Account # XXXX ) I am writing to formally raise a concern regarding a discrepancy in the reporting of my credit account ( Account # XXXX ) ( Account # XXXX ), across the three major credit bureaus - XXXX, XXXX, and Experian . My recent review of my credit reports revealed inconsistent information regarding the open date of this account. XXXX 's report shows an open date of XX/XX/2022, while XXXX reports the open date as XX/XX/2022 and Experian is reporting XX/XX/2022 also .This inconsistency is concerning and, as per my understanding, violates the principles of accuracy and completeness as mandated by the Fair Credit Reporting Act ( FCRA ) Under 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have previously disputed this information, but the discrepancy was reported as validated and the inaccuracy remains on my credit reports. This is not only misleading but potentially damaging to my credit standing. The FCRA stipulates that all information on credit reports must be accurate and complete, and up-to-date. The current reporting fails to meet these standards.Therefore, I request an immediate deletion of the account. The importance of precise and consistent credit reporting can not be overstated, as it directly impacts my creditworthiness and financial reputation.Please find attached copies of the credit reports from Experian, XXXX and XXXX, highlighting the discrepancy for your reference. I trust that you will address this matter with the urgency and seriousness it deserves. I expect a prompt response to this letter, confirming the commencement of the investigation and the actions being taken to rectify this discrepancy. Thank you for your attention to this important matter. Sincerely, XXXX XXXX
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, On XX/XX/2022, I sent a Transunion letter about a collection account showing on my XXXX XXXX XXXX XXXX report. I asked TransUnion to do a complete investigation in accordance with 15 USC 1681. Transunion responds with information verified. I like to know how was the information verified they do not give any details on how the information was investigated. this is a direct violation under the Fair credit act and holds a fine of a XXXX dollars per violation.
Consumer complaint received 2017-03-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I have a credit card debt with Santander bank and it is well overdue. They took the money from my checking account to cover some of the debt. The funds are from my Military XXXX pay. They took {$900.00} on the XXXX of the month. I was told they can not take money from my government XXXX check.
Consumer complaint received 2015-05-14
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank America is insisting a home buyer obtain a " shared driveway '' agreement from a neighbor when in fact it is not a legally shared driveway. Of course the neighbor refuses, so the bank is refusing to grant the buyer a mortgage. Neighbor and Buyer have yet to meet compounding the problem of having any ( inocuous ) agreement of any kind. The Bank wants a recorded agreement that forces both the Buyer and Neighbor to lie and in spite of attorneys for both buyer and seller stating the legal truth and wrongness of their request, the Bank remains obstinant. What to do? Does a consumer have any recourse?