davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC. (DC)

I applied for a HELOC with SunTrust bank. After vetting, they told me the basic approval terms and rates I was approved for with the HELOC. They asked me to show up to close and sign which takes " about ten minutes. '' I asked that they email me the loan documents so I could review the terms of the HELOC in detail before signing. They refused to send me the loan documents even a few hours ahead of closing. Instead, their policy is that you are supposed to sign the loan documents without seeing them ahead of time, but they verbally promise you that you can back out within 3 days of signature. They were expecting me to " sign blind '' and then try to figure out what I had just signed. 

The problems with this are at least 1 ) this gives me no opportunity to negotiate ahead of time if I find terms I don't like, 2 ) I have to just trust their verbal promise that I will be able to back out if I want, even though I have definitely signed something, 3 ) Even three days after is too short a time for most contract attorneys I might ask to review it for me, meanwhile the clock is ticking and I have already signed it, 4 ) I am given lower interest rates if I take out certain amounts of money AT CLOSING, i.e. I  get lower rates if I sign blind and take out money immediately without having an attorney review, etc. 

This practice seems unethical, highly likely to " trap '' people that don't understand the terms, and I don't understand if it is legal, or why it would be.
Consumer complaint received 2015-07-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (CA)

never had this credit card. never paid on never used it. have been requesting info on this supposed debt but one bill collection company just passes it off to their affiliated bill collection companies. It goes on and on and on. If I forget to respond to one of these places I might be sued for something that is not my responsibility. who protect the little guy. you?
Consumer complaint received 2015-08-08
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Resurgent Capital Services L.P. (WA)

LVNV Funding LLC alleged that I have a debt that is 9 years old ( last payment date was XXXX/XXXX/2006 - enclosed LVNV1.pdf ). I repeatedly told them not to contact me for that alleged debt. I have filed XXXX separate complaints with the Bureau of Consumer Financial Protection ( BCFP ) last year. LVNV promised not to contact me. Nonetheless, they established another company named " Resurgent Capital Service LLC '' and continue harass me with unwanted mails sent to my address.
Consumer complaint received 2015-11-03
Product: Credit card — 
Issue: Other fee — 
Company: Continental Finance Company, LLC (IA)

Continental Finance is charging me a {$5.00} fee per month on a closed account, i.e. of the {$35.00} I pay per month, {$5.00} is some kind of account maintenance fee, unrelated to interest charges. I do n't know if this is legal. I live in Iowa. 
Payments are always made on time. 
A statement is attached, showing the charge. They only have the past XXXX statements available online ; I estimate that there are XXXX or XXXX such payments
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I had a Federal Student loan with the XXXX XXXX XXXX XXXX that went into default and they began to garnish my paycheck until the loan was paid off in full. The final payment was made over a year ago. In fact I over paid on the loan and received several refund checks from the US treasury department to repay back the over payment. A few months ago I was informed by my mortgage lender that I had an unpaid student loan appearing on my credit report. I thought he must be seriously mistaken but there was a balance of {$180.00} added to a school loan and it stated it was unsettled. I reached out to the XXXX XXXX XXXX XXXX about what was appearing on my report as well as disputed the era with Transunion. I was told by XXXX XXXX XXXX that my acct was categorized incorrectly and they would have to correct it and should reflect correctly in 7 days. I waited two weeks and called them back and the era had not been corrected. I was reassured that the problem would be corrected and was told this time that it only takes two days. My lender ran a check of my profile on some system ( due to me applying a gov backed loan ) and my name was cleared after two days. My transunion report was corrected as well. However, now on my XXXX report it is saying that I failed to make a payment on the acct this year. The acct was satisfied last year and there should not be anything due. They owed me. Now XXXX is not allowing me to dispute this acct again because I disputed it previously. My fear now included that XXXX  will be the next one receiving incorrect information on my report. This has cost me two homes in this home buying process. Please help
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I had a Federal Student loan with the XXXX XXXX XXXX XXXX that went into default and they began to garnish my paycheck until the loan was paid off in full. The final payment was made over a year ago. In fact I over paid on the loan and received several refund checks from the US treasury department to repay back the over payment. A few months ago I was informed by my mortgage lender that I had an unpaid student loan appearing on my credit report. I thought he must be seriously mistaken but there was a balance of {$180.00} added to a school loan and it stated it was unsettled. I reached out to the XXXX XXXX XXXX XXXX  about what was appearing on my report as well as disputed the era with XXXX. I was told by XXXX XXXX XXXX that my acct was categorized incorrectly and they would have to correct it and should reflect correctly in 7 days. I waited two weeks and called them back and the era had not been corrected. I was reassured that the problem would be corrected and was told this time that it only takes two days. My lender ran a check of my profile on some system ( due to me applying a gov backed loan ) and my name was cleared after two days. My XXXX  report was corrected as well. However, now on my XXXX  report it is saying that I failed to make a payment on the acct this year. The acct was satisfied last year and there should not be anything due. They owed me. Now XXXX is not allowing me to dispute this acct again because I disputed it previously. My fear now included that XXXX will be the next one receiving incorrect information on my report. This has cost me two homes in this home buying process. Please help
Consumer complaint received 2020-06-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (TX)

Called my phone repeatedly, and right after called my MOTHERS PERSONAL CELL PHONE. And my ex boyfriends PERSONAL CELL PHONE. They were both right next to me and It was the exact same number calling and neither one of them are my spouse. UNFAIR ACTS.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

During this time I had my Kohls card, the economy crashed, we were devastated by Hurricane Sandy,  lost two cars our home was unlivable for one month and I didn't qualify for any programs because of my gross income which does not take into account loss of pay due to time/pay loss from work to attend numerous and frequent appointments.My credit was greatly effected from these events including XX/XX/XXXX as my husband is in the XXXX XXXX and was working in the city when the towers came down. Prior to this monumental time in my life, my credit was great. I am appealing to you to remove this derogatory account from my three credit reporting agencies. It has been with great difficulty attempting to recover from our my unfortunate situation. It has been about seven years reaching the statute of limitations. I am hopeful that you are understanding that the tie has expired and sue to the unfortunate circumstances in our life you could understand that families affected by natural disasters, loosing time at work and not being compensated, and complete devastation you could offer the opportunity for this family of XXXX to recover and remove this account from all three report.
Consumer complaint received 2024-01-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (DC)

Dear Department of Education, I am writing to request my pre-conversion history for my student loans, which are older than XXXX XXXX XXXX. I have been trying to have my loans forgiven per the XXXX XXXX forgiveness adjustment announced recent. To process this request, my loan lender needs my pre-conversion history before they can process my application. Most notably the loans that are eligible are I understand that it may be difficult to provide pre-conversion history for older loans, but this is necessary to have my loans reviewed for loan forgiveness. Please let me know what information is needed from me if any. Thank you for your time and attention to this matter. Subsidized Loan XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$6300.00} VIEW LOAN DETAILS Unsubsidized Loan XXXX XXXX LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$2900.00} VIEW LOAN DETAILS Subsidized Loan XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$2900.00} VIEW LOAN DETAILS Subsidized Loan XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$5100.00} VIEW LOAN DETAILS Unsubsidized Loan XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$1600.00} VIEW LOAN DETAILS Unsubsidized Loan XXXX XXXX LOAN DATE XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$6500.00} VIEW LOAN DETAILS Subsidized Loan XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$5100.00} VIEW LOAN DETAILS Unsubsidized Loan XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$6700.00} VIEW LOAN DETAILS Subsidized Loan XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$3800.00} VIEW LOAN DETAILS Unsubsidized Loan XXXX XXXX LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$7000.00}
Consumer complaint received 2022-12-13
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. (FL)

I am interested in disputing alot of unauthorized information on my credit report with transunion that is hindering my file. checking my credit profile ive noticed alot of invalid information. this is hindering my file an stopping my approvals. please update all of the information requested.
Consumer complaint received 2021-09-12
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. (CA)

I have inquiries that are the result of fraudulent activity, they have not been authorized. My information was also compromised in the Equifax Data Breach.
Consumer complaint received 2021-04-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I AM A NURSE WITH XXXX. NOT ONLY DO I SUFFER FROM XXXX XXXX AND WAS PLACED OUT OF WORK BECAUSE OF IT. IN ADDITION TO THIS MY SON OF XXXX YEARS OF AGE GOT INFECTED WITH XXXX WITHIN A COUPLE OF WEEKS OF MY XXXX YEAR OLD HAVING XXXX  I MYSELF HAD XXXX. I WAS AGAIN PLACED OUT OF WORK, MAKING THIS THE THIRD TIME I WAS PLACED OUT OF WORK IN THE LAST 2 YEARS. I AM A SINGLE MOTHER WITH THREE CHILDREN AND THIS IS OUR HOME SINCE 2006. PRIOR TO ME DEFAULTING I WAS ALWAYS IN GOOD STANDINGS AND MADE MY PAYMENTS ON TIME AND IN FULL. I DID NOT ASK TO SUFFER FROM XXXX XXXX, I DID NOT ASK TO HAVE XXXX, I DID NOT ASK FOR MY XXXX YEAR OLD TO HAVE XXXX NEITHER. THESE EVENTS HAPPENING BACK TO BACK HAVE AFFECTED MY INCOME. I DID NOT WAKE UP ONE MORNING AND TOLD MYSELF TODAY I AM NOT MAKING MY MORTGAGE PAYMENTS. NO I AM A RESPONSIBLE SINGLE MOTHER DOING ALL THAT SHE CAN TO KEEP THE LIGHTS ON, PROVIDE A HOT MEAL, AND PROVIDE CARE FOR MY CHILDREN AND I. NOW THAT I AM BACK TO THE FRONTLINE PROVIDING CARE I HAVE INCOME ONCE AGAIN. I AM SIMPLY ASKING FOR ASSISTANCE TO AVOID FORECLOSURE. AS A HOMEOWNER IN CALIFORNIA WHO WAS IMPACTED BY XXXX SINCE I DID HAVE IT AS WELL AS MY XXXX YEAR OLD SON I AM ASKING FOR MORTGAGE ASSISTANCE TO RETAIN MY HOME. I WAS INFORMED I WAS DENIED FOR HOME RETENTION OPTIONS BECAUSE IT IS MORE CONVENIENT FOR THE INVESTOR OF MY LOAN TO HAVE ME SELL MY HOME OF 15 YEARS. HOW IS THIS HELPING ME AVOID FORECLOSURE. MY RIGHTS AS A HOMEOWNER ARE BEING VIOLATED.
Consumer complaint received 2022-04-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alpine Credit, Inc (CO)

Hi! I received two letters from Alpine Credit Inc..t/n/f XXXX XXXX XXXX XXXX  recently. Both letters have my incorrect address number and both say I owe a different amount to XXXX XXXX XXXX. No address date is provided as when these two letters were written. 

I was in the hospital last year for an infection, and after checking with my insurance provider, XXXX XXXX, I do not have any outstanding claims.
Consumer complaint received 2018-06-13
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: Experian Information Solutions Inc. (CA)

To summarize : On XX/XX/XXXX, a XXXX XXXX loan officer ( XXXX XXXX, District Sales Manager | NMLS # : XXXX ) located at XXXX, California, pulled my credit report without my consent. 

Here are the details : On XX/XX/XXXX, we gave permission to XXXX XXXX to pull our credit report in order to get the pre-approval of a mortgage as we are trying to purchase our first home. On XX/XX/XXXX, we got the pre-approval valid for three months. 

We also talked to a loan officer from XXXX XXXX XXXX. He told me, once the bank pulled the credit report, and issued the pre-approval, and if we get the mortgage within 120 days, the bank won't need to pull our credit report again. So we assumed it's the same for all banks. As the rates offered by XXXX XXXX is significantly lower than XXXX, so we decided to go ahead with XXXX XXXX instead. 

We decided to move forward with the house purchase. So today, I called the banker, and told him we are going to write an offer for our dream house this weekend, and whether he can move our pre-approve to underwriting for a more formal review. He said yes. And he never mentioned about the need to pull our credit report again. And later in the afternoon, he emailed us that he can no longer provide us the mortgage because our credit score dropped below the minimum requirement. I logged into my credit report account, and noted, because of his inquiry without my permission, my credit score dropped by 10 points! And I was furious. How can the bank go ahead and pull my credit report without my permission? He just pulled the credit report less than one month ago and my pre-approval is valid for 3 months. Even if it is XXXX XXXX XXXX internal policy to pull the credit report again, he should have at lease let me know and get my permission. If I knew he needs to pull my credit report again, I would never chose to work with XXXX XXXX. As I know there are other banks ( for instance, XXXX ) out there who do not need to pull the credit reports over and over again! 

Me and my husband were planning to make an offer for our dream house this weekend, but now with this unpleasant incident, I don't know whether we can make the offer or not! We waited for so many years to purchase our first home. And now because of an illegal credit inquiry, we may loose the opportunity to buy my home. I can not accept this. 

Please help me and my husband look into this. We really need this to be resolved as soon as possible. Thank you so much!
Consumer complaint received 2016-09-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Resurgent Capital Services L.P. (CA)

-Note : Original creditor was XXXX. 
Account owner is LVNV funding. 
Account servicer is Resurgent. 

-There is a lien on my car and I do not believe applied for a " title loan '' with CitiFinancial ( the original creditor ), I believe I took out an " unsecured loan ''. My credit report says " unsecured loan '' which was " renewed or refinanced '' See my credit report on attachment # XXXX -I have contacted Resurgent Capital Services ( the servicer ) and I asked for a copy of the loan agreement showing I applied for a " title '' loan, but they can not provide one to me. See their loan statement, page # XXXX. 

- After numerous letters to XXXX and Resurgent, asking for a copy the loan agreement or asking them to release title, my registration still shows XXXX as lienholder. See page # XXXX. 

-The car is now non-operational and needs to be donated or scrapped. See CA DMV XXXX filing on page # XXXX. 

-I can not donate or scrap the car because it has their lien on it. 
-I have no place to store the car. 
-I am paying for car insurance.
Consumer complaint received 2021-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Certegy Holdings, LLC (FL)

On XX/XX/2021 I wrote check # XXXX from my XXXX XXXX account in the amount of {$110.00} to XXXX XXXX for salon services. On XX/XX/XXXX I attempted to write a check to XXXX, who refused it saying my XXXX check was nsf. My bank has conducted 2 investigations, the outcome being they have never been presented the check for payment. I have contacted XXXX numerous times - at the local level and corporate, including the CEO and received no assistance. The local store manager said they have been paid, Certegy says it is a XXXX XXXX issue and XXXX XXXX can not look for something that has not surfaced. PLEASE HELP! I have NEVER bounced a check and at this time can not write a check anywhere else. I need my good name cleared.
Consumer complaint received 2018-06-13
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: Experian Information Solutions Inc. (MD)

On XX/XX/XXXX I received a email from Experian informing Alert : Change To your credit file Detected. I contact them to ask them who inquire in my credit and they do not provided me any information they ask me to paid a credit Report. When I review my credit report from my bank loan I saw my score decrease from XXXX to XXXX, 14 points below on XX/XX/XXXX. This is very frustrated because I am working hard to fix my credit, I am planning to refinance my car and now if they do a inquiry in my credit that will affect. immediately y check into my Bank profile who also provided me information about inquiry and I noticed that the Bank XXXX National Credit Cards/Airlines inquire my credit report with out my consent. Immediately contact the Bank and they said that I need to contact the credit Report and vice versa to fixed my score. That day I made more than 10 calls trying to find who was responsible for inquiry in my score. My big surprise was the date of inquiry from XXXX National Credit Cards/Airline said that was on XX/XX/XXXX and that's not true I am monitoring my Bank account and that inquire was not there before in the credit Report. That inquiry appear the same day of my credit Report Decrease from Experian. I opened on XX/XX/XXXX a account for dental credit care Same Bank XXXX but closed the account, never used the credit. XXXX provided my information without my permission and affect my credit. That bank inquire my credit and they put a different Date. I never ask for credit/airlines. They denied any responsibility and what they advise me was to contact Experian. I also tried to contact Complaint department from the bank and they did not transferred my call, they advise me to contact XXXX XXXX. I Was very frustrated because I am in the middle of this situation and now nobody know nothing about it. Attach my credit Report the inquire information of XXXX  and the Experian Email, Thank You
Consumer complaint received 2019-05-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

i have two account checking to be exact i have overdraft protection on .one of the account it not i use only to cover overdraft if it happens but chase just inform me that a checking account can not be used for overdraft protection. all the items are been clear right before midnight or 3 minutes before or not showing a negative account at all into nest day where they charge the fees. not giving the customer the ability to transfer the money within the same bank. also i have alert that inform when my account is overdraft never arrived the text either until after the charges have charge or not at all. i feel this type of transaction are having the customer be cough with all this charges with no chance to deposit or transfer money very snick practices XX/XX/XXXX 2 charges of 34 other times multiples charges of 4 transaction of 34 being charge when the money was deposit before everything else was clear.