davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : FDCPA Section 807 Violation misleading information XXXX XXXX XXXXXXXX XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXX  XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX XXXX XXXXXXXX FDCPA section 807 XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-02-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX / XXXX / {$48000.00} XXXX XXXX XXXX  / XXXX / {$0.00} XXXX XXXX Code XXXX - Correction of billing errors ( XXXX  ) BILLING ERROR For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Consumer complaint received 2024-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

Mohela automatically placed my loans on deferment due to being enrolled in XXXX credit hour. I requested the deferment be removed so that I could continue making payments to count toward my PSLF, submitting the form on XX/XX/XXXX. The form is still processing, as of XX/XX/XXXX. I called them and they said there is nothing they can do to speed up the process. I don't understand why I am in deferment based on XXXX credit hour of enrollment. I am also concerned about the amount of time it is taking them to respond. The longer it takes, the longer I will need to repay my loan for PSLF.
Consumer complaint received 2016-08-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (IL)

I was told by my originating lender at PNC that if I paid my loan down to XXXX % LTV or LTC the PMI would be removed. He also stated that if I brought in an updated appraisal that shown an increase in value to my property the PMI would be removed. I paid down my loan significantly to XXXX % LTC ( less LTV ) in the first year of my loan. I called to have the PMI deleted and PNC stated that they would n't be able to without me paying {$500.00} for an appraisal which they must order. I asked if I could get my own appraisal ( especially since noticed that the last appraisal they ordered the appraiser charged {$240.00} yet I paid {$500.00} ) and they stated that would not be acceptable. I asked if I could bring in an appraisal from another Bank and they said no, I asked if I could order one directly from someone on their approved appraisers list and they said no. Their lender lied when he stated I could bring in my own appraisal to get the PMI deleted and I find it insane that if I paid as agreed and let my loan amortize out over years the PMI would be deleted yet I 'm being punished by being forced to pay {$500.00} for a new appraisal ( when my previous one if 13 months old ) or they wo n't remove the PMI. I would not have made this loan through them if I had known the truth and the lender had not lied to me.
Consumer complaint received 2015-12-06
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company (VA)

On XX/XX/XXXX, my home at XXXX VA.was officially closed ( Acct # XXXX old loan number, Va loan, XXXX XXXX , .-XXXX new loan number, FHA, Freedom Mortgage. Freedom Mortgage did a FHA refinance, but since I am a XXXX Honorably Discharged XXXX, I should recieved a Va refinance. I brought XXXX back on XXXX XXXX ( Va loan ) I want a refund from Freedom Mortgage ( FHA over pay ) from XXXX toXX/XX/XXXX for the FHA loan. I am XXXX years old, a senior citizen, and I feel that I was taken advantage of. 
On XX/XX/XXXX and XX/XX/XXXX by XXXX XXXX XXXX ( XXXX XXXX Sales and Marketing Representative, Phone number XXXX, I had my new home home, XXXX XXXX XXXX XXXX, I had my new home constructed by this company. I was told by XXXX XXXX that based on my debt to income ratio, I had to rent XXXX in order to purchase XXXX XXXX XXXX XXXX. According to my checking account on XX/XX/XXXX I had, {$34000.00} in my checking account, so my finance statement was not a problem, and I was able to buy a {$240000.00} new home, from, XXXX XXXX. According to XXXX XXXX XXXX XXXX, a finance consultant with, Low Va Rates, Va Mortgage Experts- phone number XXXX, XXXX XXXX XXXX said if anything, I should have been told to do a short sale of XXXX But with about {$23000.00} in repairs and upkeep, and evictions since XX/XX/XXXX, selling sounds lick a better ideal. By the I want a {$23000.00} refund as well.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : FDCPA Section 807 Violation misleading information XXXX XXXX XXXX XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXX  XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXXXXXX XXXX XXXX  XXXX FDCPA section 807 XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2017-02-22
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: AAA Auto Title Loans, LLC (AZ)

XXXX from Cash One called and left a message on my phone indicating that my payment had returned and to call them back to avoid late fees on the account. They gave their hours of operation and ended the phone call. She called from phone number XXXX.
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion refuses to remove a public record from my report in accordance with NYS GBL 380-J ( F ) ( iii ). TransUnion states " we do not follow part of the law '' and does not differentiate between a paid tax lien and a paid sales tax lien. Despite the later is to be removed withing 30 days, the former remaining for 7 years. 
TransUnion refuses to verify this information with the original creditor ( NYS ). 
*see attachment
Consumer complaint received 2017-05-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Williams & Fudge, Inc (SC)

I am reporting multiple incidents involving one of your employees. The most recent incident was X/XX/2017 around XXXX XXXX. XXXX XXXX is the person that has called me, my fianc, and my father numerous times, regarding a student loan. About a month ago, he was calling up to 6 or 7 times per day about balance of {$800.00} from XXXX XXXX College. I immediately contacted my father and we paid the debt from XXXX XXXX. Today, he called me again but this time he said it was regarding a {$50000.00} debt to the company he works for. I have always tried to offer any information I could and resolve the issue. I am paying my student debt in monthly payments so I had questions as to why I was receiving so many phone calls from XXXX XXXX and why he was so aggressive over the phone. When I asked for more information, XXXX XXXX said he " did n't know why the numbers were so high '' and that I could be imprisoned for not settling this debt right now. I continued to ask for more information since I was clearly taken back by this news. XXXX XXXX replied by telling me that if I did n't " resolve the issue '' before XXXX XXXX tonight with him that there would be consequences. I wanted to bring this issue to your attention since I 'm sure your company does not condone this kind of unprofessionalism. <P/>Thank you
Consumer complaint received 2022-09-06
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nagle & Zaller, PC (MD)

My home is located in an HOA that was managed by XXXX until XX/XX/XXXX. During their management numerous accounting errors were made which resulted in a $ 300+ balance that was turned over to Nagle and Zaller in XX/XX/XXXXfor collection. Specifically, these accounting errors were the recording of returned check in XX/XX/XXXX and the non-payment of dues in XX/XX/XXXX. After receiving this account, Nagle and Zaller placed a lien against my title for the $ 1600+ outstanding balance owed. I became aware of this balance upon attempting to refinance my home in XX/XX/XXXX. Over the course of the last several days I 've sent two cancelled checks showing that payment was made on this account in both XXXX and XX/XX/XXXX, effectively showing that there was never a balance owed and that this account should not have been turned over to the law office for collection. Further this proved that the lien that was placed against my title should have been immediately released as it was stemming from accounting errors on the part of their client, XXXX.
Consumer complaint received 2015-06-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (IL)

I am a parent of a current undergrade that is paying off a loan, for my child, from XXXX/Navient. I have been paying " the interest '' on this loan for XXXX years now! I find this very ridiculous. now the company has split in XXXX and my account is listed under Navient. I want to know what is being done to stop XXXX/navient of all their wrong-doing for these types of loans! Sometimes the balance of the loan would go up instead of down! If you 're late, XXXX/Navient will harrasse you constantly!!!
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I became aware that my personal credit information may have been exposed in a data breach and I noticed some suspicious activity on my credit report. 

Below is a summary of the data in which I am challenging : My current and lawful address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. If you have any address listed in your system that do not match my address as its listed here, please delete them immediately, so you can make sure the database has accurate information about me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX DOB : XX/XX/1966 Summary of Accounts being challenged in list form : XXXX Funding Acct # XXXX XXXX Funding Acct # XXXX XXXX Funding Acct # XXXX XXXX Acct # XXXX or Acct # XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX or Account # XXXX or Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX or Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX Account # XXXX or Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX Summary of Inquiries being challenged in list form : XXXXXXXX XXXX XXXX XXXXXXXX EXPERIAN XXXX XXXX
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I have identified inaccuracies in my Experian Report that do not belong to me, indicating potential fraudulent activity. 

I have made diligent efforts to rectify this issue by engaging in written communication with Experian. Despite my attempts to address the matter through mail communications, Experian has been unwilling to comply with federal law and correct the inaccuracies. 

I am attaching proof of my attempts to resolve the issue through documented mail communications. This evidence highlights my commitment to rectifying the inaccuracies on my credit report and demonstrates Experian 's non-compliance with federal regulations. 

I kindly request your intervention in this matter to ensure the prompt correction of the inaccurate information on my credit report. Your assistance in resolving this issue is greatly appreciated, as it is adversely affecting my financial standing and integrity. 

Thank you for your attention to this matter, and I look forward to your guidance on the necessary steps to address and rectify this situation.
Consumer complaint received 2018-03-18
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. (IL)

Sense XX/XX/2017 I'd been sending inquiry dispute against to all three credit bureaus with no luck. I have a fraud alert on all my reports I ask all three to send me proof that I applied for credit that had my signature. They didn't provide me proof of it and still i send in dispute letter to have them removed with no luck. All three credit bureaus today still not given my proof that are valid and they still refused to remove them off my report.
Consumer complaint received 2016-09-17
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (FL)

I used a convienance check to deposit money into my checking account. I was charged a 3 % fee which is not too bad comparable to other cards but it was a special. When my first bill came the minimum payment was very high. I paid it and thought that they added the transfer fee to first months payment. This month I received my statement and it was high again. I called the company ( Chase ) and was told I 'm being charged 5 % of the balance for my minimum. They said it was in my terms but I have never seen that and have n't had any other credit card ask for that high of a minimum payment. I suspect they did it on purpose to make sure people ca n't make the payment and then they can charge a very high late fee and raise the interest to their highest rate.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-06-26
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CO)

on the year 1995 I when to the bank wells fargo bank to make a deposit for XXXXand the person who help me with my money he tell me that I need to leave mymoney for one year so on the same year I have a problem with XXXX theytook my XXXX to come back to XXXX XXXX so I stay in XXXX for one yearso the next year I come back to XXXX XXXX so I lost my XXXX my letter from the bank orany information about the acct so I do n't have any information I when to the bankand I ask for my money they tell me is nothing or any record with my money or my namedor social security number I leave the bank very mad because no body tell how I can getthis money back so the time when on and move from XXXX about 5 years agoand I was going truth my paper and I was take out all the trush and I found informationfrom the I rs information about my money and I have XXXX also my old checking bookI star wirh the company XXXX company they said they do n't have any acct with thewells fargo bank I need to call them about my money and I have a bout 5 monthsand they said the state have because after 7 years they use the money they sand to thestate the state said the bank have a number or when they send to the state I fieldthe no body whan to tell me happen with this acct but I know I make this deposit and I was in here to make any decision on this money so I need the some body have torespond me about this matter I need to find where is this money I know is going to be 20years ago but the matter is the I make this deposit I have a person who when with mewhen I deposit this money and when I ask for this money she was with me at the timeso I need my money
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (GA)

To whom it may concern, Thank you for taking my letter. This is in response to an offer I received from Barclays/XXXX  Visa card XXXX ending in XXXX. I received an offer that would give me a {$100.00} statement credit upon my first purchase. I made that purchase but did not receive the statement credit. I called Barclays and was told it would be on my next statement. This did not happen. Thus far, there have been a total of 6 calls, 3 case numbers established, and at least twice I was told I would receive a response back. 

Note : On my credit card statement, knowing that I was to receive a {$100.00} statement credit, I paid the statement in full, but less the {$100.00} owed to me. That what this whole issue is about : the remaining {$100.00} on the statement. 

My first call to Barclays was on XX/XX/XXXX My second call was on XX/XX/XXXX My third call was on XX/XX/XXXX My fourth call was on XX/XX/XXXX XXXX My fifth call was on XX/XX/XXXX My sixth call was on XX/XX/XXXX On the fifth call, I was told that Barclays had no record of any promotion sent to me, even after I gave them the promo code AND the personal ID code. They then asked me to send them the promo letter, which I did. In the meantime, I have been receiving emails and phone calls harassing me about making payments. 

After I sent them a copy of the promo letter, I continued to receive emails and phone calls. I called them again ( the sixth time ). They informed me that they did in fact receive the promo letter and the case was the still " in process. 

It is now XX/XX/XXXX, and I received yet another letter from Barclays that " they determined that I no longer intend or can not afford to make contractural payments to XXXX  Rewards Visa. This is absolutely NOT true! My credit score is in the high 700 's, I pay all of my bills on time and NEVER leave a balance. 

In addition to the above I am concerned that this letter may be a prelude to changing my credit score.
Consumer complaint received 2015-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (IL)

I submitted an application for refinance XXXX 2015 to Chase. I returned documents nearly immediately upon request and was told everything was good and clear but that the underwriting team was a bit backed up. Over 3 month later, I was informed that my loan was rejected due to the condo building not meeting an agency guideline. I understand that this eligibility criterion is not set directly by Chase, but this issue should have been identified and communicated much earlier in the application process. I could have gone to another lender who specializes in portfolio loans long ago. This has cost me the ongoing higher rate of interest, missed opportunity to lock in where interest rates where when I filed the application, and the Chase application and appraisal fees. Furthermore, my condo building has a certificate from Chase that the building has been " pre-certified '' for lending with Chase, and I provided a copy of this certificate to Chase. Also, I was told by the Chase resolution team that my loan was not considered for a non-agency loan because I do not have sufficient assets for a non-owner occupied property ; however, the mortgage officer only requested statements from XXXX account that he believed was sufficient to clear underwriting requirements. I have additional assets for which documentation was never requested, so any decision around the adequacy of my assets should not have been made without the full picture.