davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-22
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: 21ST MORTGAGE CORP. (GA)

Re-financed our mortgage- notified company we were re-financing, had already been approved and that we would not be making our XX/XX/XXXX payment. Long story short, our new bank sent in PAY OFF check and it was received on XXXX XXXX and so we were reported 30 days past due because our payment was not made by XX/XX/XXXX. We have been 30 days late maybe once or twice several years ago during the 10 years we had our mortgage with this company. I have begged and pleaded with them to take this off ( credit report shows account closed, but that our payment is 30-59 days past due ). This dropped our credit score 20 POINTS AND I KNOW THEY COULD REMOVE IT IF THEY WERE A DECENT COMPANY.
Consumer complaint received 2022-03-01
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: Resurgent Capital Services L.P. (PA)

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

In XX/XX/2017 I had my mortgage refinanced, and on that credit report, it shows the EXPERIAN reported serious delinquencies. I had to open an account with a credit card at Experian to view the report as neither XXXX  nor XXXX shows any such comments. The Experian report erroneously lists the comment of serious delinquency on my XXXX report. However, XXXX says that it is a data furnisher issue as they have no such derogatory comment on my report. The Experian report also shows my XXXX  score as XXXX pts less than Experian 's or XXXX XXXX 's, also incorrect. 

I have made NUMEROUS attempts to contact Experian to discus this as I am prevented from disputing online Experians data as erroneous as it is tied to an error in EXPERIANS data collection from XXXX. XXXX can not help because they never reported what Experian is reporting on their behalf. Unfortunately, even though you can reach customer service at both XXXX and XXXX, every single customer service number for Experian, goes to the same canned automated system for either Fraud Alerts or to order a Credit Report. NONE of them have any actual person or option to speak to someone to resolve the matter.
Consumer complaint received 2018-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Home Point Financial Corporation (SC)

Home Point Financial mortgage company falsely reported late mortgage payments. Payment due on XX/XX/XXXX, My Bank records show that Home Point cashed my check on XX/XX/XXXX, then on XX/XX/XXXX reported to XXXX XXXX that my payment was more than 30 days late.
Consumer complaint received 2024-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (TN)

I had student loans serviced by Mohela. I filed a borrower defense claim as my school was less than honest about several issues, and has since closed. Mohela representatives have been telling me for over a year now that I am due a refund of over {$10000.00}. Every time I call, I'm told something different about what the hold up is with this, usually requiring several transfers and the resulting 45 minute hold with each transfer. I've spent at least a week on hold with Mohela by now. They are now blaming the Treasury Department for holding the funds. It would be different if they were paying interest. It appears that nobody is in charge of Mohela or their reps. Please look into this!
Consumer complaint received 2020-04-30
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: EQUIFAX, INC. (MD)

I RECENTLY DISPUTE SIX ITEMS WITH EQUIFAX  CREDIT REPROTING AGENCY AND THEY FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN THE ALLOTED TIME FRAME STIPULATED BY LAW
Consumer complaint received 2020-06-01
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. (TX)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$2200.00} XXXX XXXX {$100.00} XXXX XXXX XXXX {$14000.00} XXXX   XXXX {$1600.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX {$0.00} XXXX   XXXX {$1600.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$26000.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX {$20000.00}
Consumer complaint received 2017-02-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo has charged me more than {$2000.00} in return fees and bank charges since XXXX 2016 due to " holding '' certain deposits for a certain number of days because they were from out of town banks. The issue I had with it was the amount of days they held the checks differed each time and also the amount they held out of each check differed. XXXX checks from the same bank for the same amounts had holds placed on them for different lengths of time and the funds released from each checks were different. XXXX of the checks had funds released in increments over 2-3 days. The other check was held for several days with no funds being released until the hold was released on the entire amount. After being charged fees for the XXXX held checks it became almost impossible to regain control of my checking account. I was only making deposits to cover the fees they continued to pile on. At this time the account is overdrawn and I do not have the money to cover the negative balance of almost {$1000.00}.
Consumer complaint received 2020-07-15
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. (WA)

I went through a hardship after I XXXX  from college. I couldnt pass the XXXX  to secure a job. My wife and I moved out of XXXX   to XXXX and things got worse with trying to pass the XXXX XXXX and find work with no license. I was working with a guidance counselor for assistance with my payment. I didnt realize the different lenders I had with the different loans. I was told I was approved for a forbearance and my understanding that would date back to adjust the late payments so I would no longer be behind but it did not. 2018 the XXXX XXXX is showing several late payments for my account at XXXX, TransUnion, XXXX  before selling the loan to a different lender.
Consumer complaint received 2018-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (FL)

I have excellent credit and so I applied for a Citi AAdvantage credit card. I was sent a letter that my application was incomplete and could not be processed, but was given no explanation as to what was missing. I filled out the complete form for the credit card online. I tried calling the company and the employee told me there was missing information and that I had to call them back through my house phone. When I did, the company would no longer pick up my call, but a recording said a letter they were sending me would explain more. The second letter just said I was not approved due to missing information. I feel like I input a lot of private and correct information into this application and I was never given any explanation as to why I was not approved. I have checked my credit and it is fine. If there is any other reason I was not approved I believe I have a right to know. The phone number they sent me is a dead end. It asks for my SS # and then hangs up on me so I can not speak with anyone. I am afraid that this company has all my private information. What can I do?
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

To CFPB After many attempts and request for Experian to remove inaccurate personal information from my report as required by Federal and State law, ( old inaccurate addresses ) they have refused to obey the law, we have sent multiple request by letter and also by certified letters and their response has been less than intelligent therefore, after speaking with you yesterday and the research you did to find if Experian has a history of this abuse and finding that you have had hundreds of complaints against them and also, I filed a complaint with the Texas Attorney General 's office, XXXX XXXX who did a preliminary search while I was on hold and found that there were multiple hundreds of complaints made against Experian as well my attorneys are now preparing the paperwork to file a major law suit against Experian for their abuse of Federal law, my attorneys noticed that Experian has multiplied the old inaccurate addresses on my report many times to the tune of 13. Therefore, and because of this abuse we will sue them in the amount of {$1000.00} per old address ( 13 total ) for my time in having to deal with this ( {$10000.00} ) court cost and attorneys fees.

We will also be issuing a public bulletin in addition to my law suit against them to prepare to file a class action law suit as well.

I do appreciate you sharing with us the fact that you have, in the past, fined Experian XXXX XXXX dollars for misrepresenting peoples credit scores and we urge you to fine them again for their many abuses on my and others.

We have all their responses and will present it as evidence against them in court.
Consumer complaint received 2018-06-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CT)

I have been working with this servicer for the past 5 years, they are very unorganized. I submitted at least 3 full package of RMA, to the point that I am getting really good at it. I know what they ask for, application, proof of income, tax returns and bank statements. This servicer would need verification for each issue at least 2-3 times, also it is always " all we need is ''. Then turn around and requested for more information after I provided what they asked for via fax. There is a foreclosure sale day set, I am accruing their $ 6000+ attorney fees, interest and appraisal fees. Recently, I received a letter of denial, their reason is " did not receive the required documents within the timeline specified '' The application started on the end of XX/XX/XXXX, the last conversation was XX/XX/XXXX. They wanted me to verified on the phone about some issues, then they wanted me break down on a deposit on a from one of the bank statements, I faxed in the next day on XX/XX/XXXX. That was the last time I heard from the servicer. After receiving such denial letter, I called to find out what is " real '' reason for the denial. They told me it was due to the bank statement provided were too old. I would have provided more recent bank statements if they told me on XX/XX/XXXX. Furthermore, the time has lapsed since the application started on XX/XX/XXXX. I have a facsimile report that demonstrate I was submitting document in XX/XX/XXXX and throughout XX/XX/XXXX. I feel it is very unjust and they have no merit for the denial.
Consumer complaint received 2020-07-15
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA (CA)

XXXX XX/XX/2020 i, i called hyunadi finance to make a extension for the car payment due to corona virus i had lost my job and they had a three month extension for us. but was charged XXXX dollars 2. then in XXXX we got a statement we were late three months on car payment : that was problem number one. 
3. i called again in may to talk to someone regarding this amount and they said they fixed the promo and i was okay to go. 
4. next i look up the account on line it was showing i was later again two payments so i paid XXXX on XX/XX/2020 % then on XX/XX/2020 i made another payment for XXXX XXXX this should have took up up to date on the XXXX payment but then again another problem with hyundai so now we are in XXXX its the XXXX today of XX/XX/2020 and we are now in a negative XXXX dollars so i am in so much of a panic i can not be without a car i just got a full time job back and i am doing ok i can afford my car payments please help me with this companies irresponsible actions. ^ where its the money i was charged in XX/XX/2020 for XXXX? this is robbery i need help. 
6. also in XXXX around the first week it showed i has a credit for ( XXXX ) for the petition extionsion for the corona virus relief. now today on XX/XX/2020 its show i have no credit it says i owe XXXX for four payments late. 
7. no the are yelling me saying me that my car is under repression and they are coming for the car this is abuse. i need help please they are demanding all this money and they were suppose to be helping me where is the money i have already paid for then to fix there mistake in XXXX now i owe again XXXX thank you god bless
Consumer complaint received 2020-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX my bill payment with Capital One Bank did not go through when it was on auto pay. I reached out to the company and they said they saw the payment tried to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark in my credit and the company will not help me with this unfair situation.
Consumer complaint received 2018-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (OH)

Recently while conducting a monitor of my credit report I discovered that CHOICE RECOVERY INC has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from CHOICE RECOVERY INC but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to CHOICE RECOVERY INC to release my medical information to a third party. Validation of Debt, and HIPAA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 3.Cease any credit bureau reporting until debt has been validated by me. 4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages
Consumer complaint received 2018-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My personal information was used without my authorization to co-sign on a auto lease for 38months. 
I wasnt aware until I received a letter in the mail regarding an early lease termination. 
The bank has the auto and sold the lease to another dealer. 
There is a remaining balance and the bank still wants me to pay for this while the primary lease holder is not owning this.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2017-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

In XX/XX/XXXX after hearing about the Public Service Loan Forgiveness program, I spoke with XXXX XXXX ( which is now Navient ) and requested that my student loans be consolidated and set up in order to qualify for the Public Service Loan Forgiveness program. It took multiple calls to XXXX XXXX and was a very frustrating process, often the XXXX XXXX representative that I would speak with was confused about the program and did not know how to proceed. After multiple calls I was told that my loans had now been consolidated and would meet the criteria for PSLF as long as I made 10 years of qualifying payments. 

In XX/XX/XXXX, after making 10 years of payments I have attempted to qualify for the PSLF only to be told that XXXX XXXX never consolidated my loans appropriately to meet the terms of the program.
Consumer complaint received 2020-06-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have reached out to Bank of America numerous times about the 2 fraud credit card accounts and they have yet XXXX XXXX amount XXXX and XXXX XXXX amount XXXX. I have tried to dispute these accounts and reached out to card company they refuse to remove them from my credit! I need help
Consumer complaint received 2017-03-11
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TCF NATIONAL BANK (SD)

I have an auto loan with gateway one lending and another with a different bank and the payments are 5 days apart. so I split the payments and pay both every two weeks. I noticed my payments were n't going to the principle so I emailed asking why. I get a response, to me seemed very rude and sarcastic. I then made a partial payment like I always do and the following day I started to get calls saying I need to make my payment. I again emailed them in a stern sense saying they just too a payment and they clearly know what I 've been doing for the last few months. did n't hear anything back until I get a voicemail of a lady talking to someone saying, I guess we can scare her into making her payments, even then that wo n't help. she then called back again and I told her what I heard. she had no problem getting a manager. the manager got on the phone and to me seemed to down play it, oh, well we do n't do that here, im sorry. but still insisted that I needed to make a payment on post date one. he took off late fees and did n't charge me the 10 dollar over the phone processing fee and said he would email me my transaction and if I have any other concerns to let him know. well, I have n't gotten that email yet. this is disturbing to me that they feel they need to talk XXXX about a client to another associate. they always get their money. I bought the vehicle XX/XX/2016 and it 's a year later and I 've barely knocked XXXX off the loan. my payments are XXXX a month.in 12 months that 's XXXX dollars and if you took that and split between principle and interest that 's still XXXX dollars. it does n't add up to where my money is going. Im trying to build my credit back up and this company is hurting me. they report to the credit company everytime I 'm late. It just does n't sit well with me, I have to wonder, when they call am I going to be threatened. not to mention they call before XXXX, they will call me 2 or 3 times then call my husband while at work. now I have to worry, if I make a payment is it going to the right thing, are they going to send sone one to come get my truck, because I making a partial payment twice a month is n't good enough or are they going to leave another threatening voicemail. please can someone help me?
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Equifax shows a collection on my report with no account number and no name. 
this is not my account and I am unable to verify due to no inforamtion here is what report states : XXXX XX/XX/2017 {$1800.00} None provided
Consumer complaint received 2020-05-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

The credit card company is Capital One. They claim that I've owed an outstanding amount for the last 3 years on a credit card on my credit report. I have the original credit card. It began in XX/XX/XXXX and expired in XX/XX/XXXX. I stopped using this card more than 7 years ago, due to inability to pay. I am judgment proof. My only income is from social security and has been for quite some time. I am XXXX and can not work. I would like this removed from my credit report, as it has been more than 7 years since the debt was accrued. My other debts, such as federal student loans, were forgiven by the government due to my sole income from social security and my XXXX. Unfortunately, I have disputed this claim at least twice before. However, I recently found the original credit card from Capital One with the dates from XXXX on the actual card. I believe that the credit card debt collectors thought that they could say it has only been 3 years, because at first I could not find the card/information. I now have the card in my possession with the original dates. I also have paperwork to prove that my sole income is from social security ; I have no assets nor savings. I also have proof of this information.