davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC (CA)

We are first time buyers. We had many many questions. Every time we asked her to explain something she seemed very irritated over the phone or would respond in a snarky type of attitude. She was very pushy. We 'd ask her to run figures and she would tell us not to worry we can afford it even if we told her no we could n't she would insist we could. Her calculations were constantly changing because she 's forget to change something. She would go ahead and order items such as a condo questionnaire that they charged me for even though we had decided to cancel that sale due to the inspection findings. Her reasoning was because she wanted to get ahead and order it asap because it takes a long time. They charged me without my knowledge. I had signed a document allowing for payments if applicable. I was n't aware the condo questionnaire would still be applicable considering we had cancelled the sale. We communicated regarding the pending charge that did ultimately get processed XX/XX/XXXX, 2017 for {$210.00} and she said she would refund me at the end of escrow. She had put the appraisal on hold since we cancelled. I said I did n't understand why we would still be charged for something we did n't authorize to be ordered, especially since canceling would n't make it " applicable ''. I tried getting information but se seemed affronted. I tried asking her about it via email and she ignored my email. We are now with another lending agency and our agency required information from them of which they refuse to provide because they said it belongs to the property. Since we are no longer clients of theirs they refuse to assist us in anyway even if they have failed to complete a job on their end.
Consumer complaint received 2017-07-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ASTORIA BANK (NJ)

I had a foreclosure date schedule. I called the bank and I requested for a short sale being that my daughter was in hospital at that moment having XXXX. It was so stressful I did n't know what to do so they suggested that I can do a short sale. They send me the short sale documents and told me to complete the paper work and send it to them. Knowing that a foreclosure date was schedule for X/XX/2017 it was never cancelled and when they received the documents they told me that it was foreclosed already and it did n't matter. My daughter is very sick and I can not move at the moment. <P/>I have an XXXX XXXX by the name of XXXX XXXX XXXX banging our door down. My daughter have nurses and doctors coming to my home to help her and I am at work. XXXX XXXX bang our doors every sigle day and requesting to get into the house. XXXX XXXX phone number is XXXX Cell XXXX address is XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX. XXXX XXXX is an Asset Management which is an investor and have absolutely no consideration for my daughter illness and our situation. <P/>I had a five year interest only loan and I try to modify three times and first they said my income was insufficient the second time my income was to high Astoria bank never tried to help with the modification and knowing that I was going through so much stress lost my job during that process because my daughter illness they just fine the right time to foreclose without my knowledge and the last was they will consider a short sale. <P/>
The servicing company is a Mortgage company by the of XXXX XXXX XXXX in XXXX XXXX, Illinois. That is the company that did not accept the short Sale waited for the date letting me know that it will postpone and foreclosed. The servicing Company XXXX XXXX told me it was to late the own the property and purchase it for {$100.00}. Last package was sent to XXXXXXXXXXXX Phone # XXXX Fax # XXXX toll free # XXXX Right now XXXX XXXX XXXX XXXX XXXX requested for my phone number in an aggressive way and my daughter with the home attendant did n't know what to do. My daughter XXXX XXXX XXXX and she under XXXX XXXX she had XXXX XXXX and right now she can not go through any stress. <P/>Can you please let me know what should I do. I just do n't know what to do. My information XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NJ XXXX e-mail # XXXX XXXX XXXX Loan #
Consumer complaint received 2017-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OH)

I re-applied for my XXXX plan this year. After being denied ( because I applied " too early '' despite being prompted to re-apply ) then accepted after applying again ( after another 2 months of waiting for a response ) I was given my new calculated monthly payment of {$520.00} that was due to begin on XX/XX/XXXX. I changed my direct deposit amount accordingly and have made payments since then. 
Now, my monthly payment ( starting in XX/XX/XXXX ) has inexplicably dropped to {$110.00}. While I would love to be paying less for my loans, it was odd to me that this changed in the middle of the payment year. 
I called XXXX in XX/XX/XXXX to discuss this issue once I inadvertently discovered it. They were unable to explain why this happened, except to tell me that I have been overpaying my account. Obviously I am confused by this answer because I have been paying the exact amount they told me to pay. This amounts to consumer fraud given that they either over calculated my payment or are now attempting to trick me into paying less now in order to gain more interest in the future. 
In addition, I have concerns regarding the tracking of the PSLF program. I have only 14 months of qualifying payments recorded in my account, despite 36 months of enrollment and payments. I also called XXXX to discuss this. They informed me that 9 months were not added in by mistake despite an application and payments on file. XXXX informed me they would submit this for review and I would receive an answer in 60 days. There is no form or letter in my account to verify that this review is in fact occurring. Finally, they told me that 2 months in XXXX ( XXXX and XXXX I believe ) I am listed as being in deferment/forbearance. I have a record of payments for those months and I never submitted paperwork requesting that status or was informed of it. They refuse to count those 2 months of payments towards my PSLF. If you 're keeping track, that still leaves 11 months of payments not counted towards my PSLF despite FedLoans confirming they have paperwork on file. The only explanation I received was that they were " behind '' in tracking.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (MD)

I am trying to get a medical bill off my credit report. I did not give the hospital permission to sell my information to a third party. I keep telling the credit bureau to remove it but it has yet to be removed. This is a matter that my old employer is responsible for this bill. The company is XXXX XXXX ( XXXX XXXX )
Consumer complaint received 2018-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: APPLE FINANCIAL HOLDINGS, INC. (NY)

I 'm unable to get up to date information on transactions from either the automated or phone teller on my checking account. This has resulted in my having to pay returned check fees because XXXX XXXX XXXX ca n't provide me with the information on checks cashed or processed electronically more than 25 days after the transaction via the automated system or banking tellers. The automated bank phone system is extremely disorganized I go through the entire prompt system still am unable to find out when the sent my payments or transactions were process till more than a month later. When I call in XX/XX/XXXX and XX/XX/XXXX to address this matter I was not given a straight answer on my account and why there system is not up to date. The XXXX XXXX teller just blamed four different merchants I sent payment to for them not being able to provide me with the most current information.
Consumer complaint received 2018-01-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (MN)

I receive an credit alert from XXXX XXXX by email on XX/XX/XXXX noting that there is a new collection account on my credit report. I noticed that a debt buyer collection company added it my credit report stating that I owe a payday loan company by the name of XXXX XXXX XXXX. I do n't owe them anything. I paid off all my debtors that I knew about but one company, XXXX XXXX XXXX that is still on my credit report. I do acknowledge owing them. This collection account, however, was not on there. It was just added on XX/XX/XXXX. I 've been checking my credit report regularly throughout XX/XX/XXXX ; even disputing items and getting them removed. Midwest Recovery Systems is no stranger! One of their debt items was removed from my report. They bought out one of my accounts and it was paid as agreed. Then a month later, they added another collection to my account for the same debt that was paid. I contacted the credit bureau and they removed it and ordered Midwest to send me a letter noting that they removed it from their account too. In other words, they tried to get me to pay off the same debt twice! If I was n't checking my credit report, I would have had an extra collection account on it which would have affected my credit worthiness.
Consumer complaint received 2021-06-26
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. (PA)

These accounts was paid as agreed on time I was never late on theses items listed and this is information is inaccurate and completely false. You can not report inaccurate information this a violation. I have wrote in several times reminding everyone of FDCPA false misreporting so please update account to current and paid as agreed on time. 

Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : $ {$3500.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : $ {$6000.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$4500.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$5500.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$5500.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$6000.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$2000.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$2000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$18000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$27000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$23000.00}
Consumer complaint received 2021-06-26
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. (PA)

These accounts was paid as agreed on time I was never late on theses items listed and this is information is inaccurate and completely false. You can not report inaccurate information this a violation. I have wrote in several times reminding everyone of FDCPA false misreporting so please update account to current and paid as agreed on time. 

Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : $ {$3500.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : $ {$6000.00} Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$4500.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$5500.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$5500.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$6000.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$2000.00} Account Name : DEPT OF EDUCATIONXXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$2000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$18000.00} Account Name : U S DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$27000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$23000.00}
Consumer complaint received 2018-01-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

There are XXXX ( XXXX ) recent inquiries ( 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 ; that were not authorized by me or permissible in accordance with the Fair Credit Reporting Act, Section 604. Despite my attempts to resolve this matter via telephone, I was unable to get assistance.
Consumer complaint received 2023-01-09
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. (MO)

In accordance with the fair credit reporting act XXXX XXXX has violated my rights. Ive distributed this fraudulent account immediately once I because aware of it. I was told by email ( see attached ) the account would be closed due to it being opened without my knowledge or permission. For the last few months this account is not only reporting negatively on my credit report as a collections account. Its now reporting late payments. This house cost my $ XXXX of dollars in denied credit. At this point XXXX considering taking legal action. 
15 USC 1681 section 602 15 USC 1681 section 604 A 15 USC 1666B A
Consumer complaint received 2022-03-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC (VA)

Our settlement company requested a loan pay off statement from United Wholesale Mortgage on XX/XX/22. The settlement company never received it so they asked us to reach out to United Wholesale Mortgage to try to get it ourselves. We reached out on XX/XX/22 and United Wholesale Mortgage claims it was in our online document center but it was not there. We called again on XX/XX/22 to try to get them to send it, but then they claimed their document center went down. So then they said they could fax it, but no one has received it. We called UWM to ask them to fax it to a different number ( in case there was an issue with the one they were sending it to ) and they claimed to have faxed it, yet no document. We called again and tried another fax number. Still no document. We tried the chat feature three times on XX/XX/22 and called four times on XX/XX/22 and the best we were able to get was Ill tell my supervisor, he isnt answering his phone. We now close tomorrow morning ( XX/XX/22 ) and we dont have the document. I read they have 7 days to produce this from the time we asked and they have not fulfilled this requirement. They claim they did fulfill it, but none of their faxes went through to multiple numbers ( so it their system failing ) and it was not in the document center and they refuse to help in any other way, so I dont know what else to do at this point. I feel helpless.
Consumer complaint received 2021-06-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AR Resources, Inc. (MO)

I received an alert with XXXX through my credit monitoring that AR Resources had filed a credit alert against me. I have never heard of AR Resources, have had no prior communication with them and have no idea what this complaint is in reference to. I tried to call the XXXX number but was on hold for XXXX minutes with no customer service. It says to press zero to leave a message but that just ends the call. 

What happened? 
AR RESOURCES INC has flagged your account as Collections on XX/XX/2021. 
Source : XXXX XXXX : AR RESOURCES INC Address : XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2021 Balance : {$69.00}
Consumer complaint received 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WA)

On    XX/XX/XXXX I retrieve my free annual credit report from Equifax. Looking over the report I identified some inaccurate personal information. Specifically there is a name specified in the " Formerly known as '' field that is completely foreign to me, as I have never used it, or known anyone with the specified name.
Consumer complaint received 2021-09-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

I made a purchase on XX/XX/21 of {$14.00} using my XXXX credit card from Comenity Bank. 

I did forget to make the payment and was charged a late fee and finance charges. I paid the balance listed on the website on XX/XX/21, but later discovered that I had incurred another late charge, so I still had a balance. 

I paid the total balance in full, {$66.00}, on XX/XX/21, which was not due until XX/XX/21. At that time I requested my account be closed since the company was no longer in business. 

A few days ago my husband told me I had an alert on our credit monitoring service from XXXX. I signed on to the account and found that they had continued to charge me a minimum finance charge and late fees after I paid my balance. The statement from XXXX actually says they will not charge interest if the balance is paid before the due date. 

So I now have a {$30.00} balance on a card that was paid off in full in XXXX along with negative activity on my credit report. I spoke with customer service at Comenity Bank and they stated they took those charges out and my balance is now {$0.00} but said there is nothing they can do about my credit report. 

How many other customers have they done this to??
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Louisiana Recovery Services Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

My XXXX XXXX was posted on XXXX. It seemed to be some kind of joke or prank but clearly this was my commercial XXXX XXXX. The reason why I was not notified properly was because my address had been temper with by someone in authority. Since then I have found evidence of address fraud and tempering with evidence. This federal offense right now hes being ignored by the court. Now Im convinced that Im not even in the right court. This is the hardest part of it all because no one is listening to me I have made properly report statements but I seem to not be looking in the correct place. The address that was used two force this federal offense against me, can be recognized probably if someone would just listen to me because I now have my proper address business registration also the address that was use I was evicted from years ago and I now have that court order amazingly from XXXX. This address now used in XXXX as my current address is no more than address fraud.. this matter all cars my number to be compromise my email address and ultimately my Social Security number even my XXXX have been stolen from me against my will all in this one matter. If anyone can help me to seek a remedy, I would greatly appreciate to settle in this unjust.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I was part of the Equifax credit information hack I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. No American can sign up for any service or financial account without being validated by these three, so this is a forced requirement. 

Congress should federally mandate that credit freezes, unfreezes, and reporting be made available at no charge and with no conditional requirements ( ie : signing up for credit protection services offered by the agencies or their vendors XXXX. Our ability to BE American citizens relies on our ability to control our credit reporting. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they allow breaches that can cause permanent financial and identity harm. 

Thank you for taking time to read my complaint.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AK)

I was part of the Equifax credit information hack. It is unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place.
Consumer complaint received 2024-01-30
Product: Credit reporting 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. (KS)

XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXXXX/XX/year> {$13000.00} XXXX XXXX XXXX XXXXXX/XX/year> {$13000.00} XXXX XXXX XXXX XXXX$13000.00} XXXX XXXX XXXXXX/XX/year> {$13000.00} XXXX XXXX XXXXXX/XX/year> {$13000.00} XXXX XXXX XX/XX/year> {$13000.00} I never gave written consent to any of the following financial institutions to inquire about my credit history per 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They need my written consent to add anything to my consumer report if I did not give this authorization that is a violation of the Fair Credit Reporting Act