davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

I am a co-signer on a loan # XXXX for my daughter with Navient. Her name is XXXX XXXX. It is a college loan. For some reason, she was 60 days past due. 
I was not aware of this until Navient reported it to XXXX. My score ( have excellent credit ) dropped from XXXX to XXXX. I feel that this action is unwarranted and unfair to me. 
I am being penalized because she as an adult failed to make the payments.She is a XXXX and this is her loan. I have contacted Navient ... they will not correct my credit score.This has been extremely upsetting to me and my husband died in XX/XX/2017. 
I am going to need this higher score to purchase a car. 
What can be done about this ... .I really need your help to clarify this situation. 
Thank You, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, OH XXXX email : XXXX XXXX
Consumer complaint received 2022-11-18
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. (GA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2018-11-01
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: EQUIFAX, INC. (TX)

On XX/XX/2018 I file a police report with the XXXX XXXX Police Department ( Case # XXXX ). I reported that I was a victom of identity theft and some one was clearly using my identity for personal gain. What brought this to my attention was I continued to get alerts constantly on my XXXX XXXX account that a new account has been open in my name, or a new inquiry has posted to your account. So I investigated and found out that I had over 30 inquries along with some accounts and collection on my credit reports with all three Major Credit Bureau that I did not authorize or recognize. So I sent all three Bureaus a letter explaining the situation along with the police report and number to the police department. About a week or so later XXXX and XXXX both deleted these items off my credit but Equifax did not. I recently called Equifax to make sure they received my letter. Equifax answers and claims they did receive the letter but could not make out my drivers license and social, I told Equifax that I sent them the same information I sent the other two bureaus and they did not have a problem reading the information, so I resent them the information they needed and they continue to report the same information I submitted to them, the police and the other two bureaus. This company is refusing to follow the law of reporting 100 % accurate information and its my understanding against the law to report false information of a person who is a victom of Identity theft. Equifax needs to remove this information at once or I will have no choice but to seek legal counsel.
Consumer complaint received 2022-11-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gatestone & Co. International Inc. (NY)

Beginning XXXX of 2020, I was contacted by a debt collector about my XXXX bill. I signed up for a payment plan and have made monthly payments without interruption for 2 years. I have foybd out the company is not part of XXXX XXXX but a separate debt collector ( Gatestone ). They have so far collected ( {$4300.00} ) which is MORE than the amount I owed XXXX ( {$3700.00} ). I have been unable to reach anyone at XXXX despite phoning every hour for days on end and weeks on end. Additionally, they have in the past taken more than the agreed amount and many, many times days before the scheduled payment date. I see the on time payments have NEVER been reported and show negatively on my credit report. I would like my score to reflect the two years of on time payments. I also am afraid I am being defrauded by a company that pretends to be XXXX and then is not able to be contacted. At this point, I do not know what they are doing with my money.
Consumer complaint received 2022-11-18
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. (FL)

On XX/XX/XXXX I submitted a complaint to the XXXX and it was a reference to inquiries that have been reported on my credit report in accurately as well as accounts that are negatively impacting my credit profile. There are over XXXX to XXXX inquiries that have been reported to my credit profile that needs to be removed. I have submitted multiple complaints to all credit bureaus, and the situation seems to not be resolved. This is unfairly affecting me and my financials credit score and needs to be resolved as soon as possible.
Consumer complaint received 2020-01-29
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NATIONWIDE MORTGAGE BANKERS, INC. (VA)

Hi, I have recently been trying to close on a house with a company by the name of Nationwide  Mortgage Bankers , Inc. since XXXX. I recently was sent a denial letter last week. I have asked for my money back for the FHA appraisal I paid for. To my knowledge per FHA guidelines, I am supposed to received my money back. They have not been cooperative about this situation. I feel like I was just dragged around and cheated out of a deal. They asked my employer for employment verification at least 3 different times. They have also changed my loan type from FHA to Conventional twice. I've had to pay for the conversion and also I have received 4 different closing disclosures. My closing cost increased every  time a closing disclosure came out. They could never give me a valid answer in why this happened and where they got their numbers from. They have aggravated me and the seller of the house. They would never give straight answers when asking about a definite closing date. It was always one excuse after another. I feel like they knew the entire time they would not be able to qualify me for the house, but just had me spend all this money for no reason. I feel extremely shafted and disappointed.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (FL)

NATIONWIDE RECOVERY SY ) at ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) has been sending me collection notices in the amount of ( {$340.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Consumer complaint received 2018-10-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (FL)

I purchased a new XXXX XXXX XXXX in XX/XX/XXXX in which XXXX XXXX   financed my car. I have noticed that when I make my monthly payments each month since XX/XX/XXXX to date the amount of my payment being applied to Interest vs. my Principal balance is not consistent. In fact, some months my entire monthly payment in XX/XX/XXXX is going to Interest only and none towards the principle balance. This seems like a deceptive practice and I still owe {$21000.00} on a XX/XX/XXXX car that is falling apart. My principal balance is not coming down due to the unexplained way my monthly payments are being applied ( primarily to interest ). I would like this investigated.
Consumer complaint received 2018-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Between the months of XX/XX/XXXX to XX/XX/2018, I was assessed a {$1.00} fee for " Minimum Interest Charge '' when there was no balance shown on my credit card that was subject to an Interest Rate. Every monthly statement indicated there was " Balance Subject to Interest Rate {$0.00} '' I contacted Bank of America on XX/XX/2018 and was informed by two different representative that there WAS a balance on the credit card subject to an interest charge. They confirmed that balance did not show on my monthly statement and I could only obtain that information by contacting them. They refused to issue a refund and indicated these charges were valid. 

I believe this to be a violation of Consumer Protection Laws such as Regulation E, Regulation Z, the Fair Credit Billing Act and the Credit CARD Act of 2009.
Consumer complaint received 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Re : XXXX and Equifax Dear XXXX and Equifax, There are multiple spellings of my name and listed addresses that are not associated with me on my credit report that is incorrected and are attached to my profile as a result of crimes that taken place. My name is spelled only one way XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Fl XXXX. All other addresses and misspellings of my name are incorrect. You were sent copies of an sworn identity-theft report and identity-theft report filled with the federal trade commission. However, these inaccuracies still remain on the credit report which is a violation of THE FAIR CREDIT REPORTING ACT. Furthermore, these incorrect addresses and misspelling of my name prohibit me from verifying my identity with creditors. Lastly, I also sent updated information of my current address which I lived at for 25 years. The following listing in my file are also defamation of character because they are also associated with debts I DO NOT OWE. I am a victim of identity-theft and I am exercising all rights enacted by Congress for consumers victims of financial crimes. If this is not corrected in 15 days. I shall be force to take further legal action. 

Thank you.
Consumer complaint received 2018-10-31
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)

I would like my current address to be updated to XXXX XXXX XXXX XXXX, XXXX XXXX Texas XXXX. It is currently reporting as XXXX XXXX XXXX XXXX, XXXX XXXX Texas XXXX. Also I would like to get all other addresses removed from my report.
Consumer complaint received 2023-03-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (KS)

I purchased a XXXX XXXX from wellsfargo lender at first everything went smoothly the. About 4 months into my loan then the amounts kept changing, other misc fees were being added to account. Reached out to the company and they said it takes time to get finalized numbers and amounts and so rates/prices will change. 
I told them Ive had other auto loans previously and never experienced this type of issue before. I Continued to make payments until my account kept changing fees and pricing! The company wasnt interested in settling anything or fixing nothing.
Consumer complaint received 2022-02-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

The problem I am having is that I contacted XXXX and I spoke to XXXX from this company and I had informed him that the only address that should be showing on my credit report I also disputed a lot of information that wasnt correct on my report I said to XXXX do you guys keep mistakes on people credit report because you guys get paid this way and he said I am correct this is not fair to me and there are violating.
Consumer complaint received 2017-08-02
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: Bread Financial Holdings, Inc. (FL)

This company allowed someone to open several store cards in my name and every month I receive a notification saying im late on my credit report. I had no knowledge of this account until I checked my credit. I called them and they have n't resolved it yet. I also mailed a letter to credit bureau and the bank.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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
Consumer complaint received 2018-02-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (AZ)

I have paid PMI for 4 years 11 months and would like to have the PMI removed once the 5yr requirement is up. Our closing date was XX/XX/XXXX. Since XX/XX/XXXX our builder XXXX XXXX  has raised the base price of our model. The new base price would put us at the required 78 LTV ratio for PMI removal. XXXX XXXX preferred lender Stearns Lending says that to remove PMI the LTV is based on the original XX/XX/XXXX appraisal. Is this true and final?
Consumer complaint received 2018-03-09
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I was instructed by what I later found out was an imposter to pay some vendors on a XXXX job I was being hired for. I was instructed to send two money grams to XXXX XXXX ref # XXXX for {$1300.00}. and XXXX XXXX ref # XXXX for $ XXXX- they are nothin XXXX XXXX . The check given to me to pay this ended up being bad.
Consumer complaint received 2023-03-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Palm Beach Credit Adjustors, Inc (FL)

On XX/XX/2023, I sent a letter to Focus Financial Services after auditing my credit reports today and saw that they are reporting an alleged debt on there. I never received a dunning letter from them to allow me the opportunity to request validation of this alleged debt. Yet, they placed it on my credit reports. 
In my letter, I requested that they sent me legal documents to validate the alleged debt, but they completely ignored it. 

I am demanding that they close this account and delete it from my credit reports. 

Account number : XXXX
Consumer complaint received 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Re : Experian and XXXX Dear Experian and XXXX, There are multiple spellings of my name and listed addresses that are not associated with me on my credit report that is incorrected and are attached to my profile as a result of crimes that taken place. My name is spelled only one way XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Fl XXXX. All other addresses and misspellings of my name are incorrect. You were sent copies of an sworn identity-theft report and identity-theft report filled with the federal trade commission. However, these inaccuracies still remain on the credit report which is a violation of THE FAIR CREDIT REPORTING ACT. Furthermore, these incorrect addresses and misspelling of my name prohibit me from verifying my identity with creditors. Lastly, I also sent updated information of my current address which I lived at for 25 years. The following listing in my file are also defamation of character because they are also associated with debts I DO NOT OWE. I am a victim of identity-theft and I am exercising all rights enacted by Congress for consumers victims of financial crimes. If this is not corrected in 15 days. I shall be force to take further legal action. 

Thank you.
Consumer complaint received 2018-10-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: DISCOVER BANK (CA)

Posted a deposit check on XXXX XX/XX/2018 and the funds were made available on XXXX XX/XX/2018. So, i went through with a payment from my discover checking account and later I got a hold on XXXX XXXX for the same check depositd on XXXX XXXX ( as the bank represtative said ) but it was notified to me through a email on XXXX XX/XX/2018 XXXX, putting me in a situation where I could not cover for my paymnet on the either side of non suffecient fee as well as my payment to other source and was charged a fee of XXXX . 
I had to talk to 3 of the customer care represtatives for 3 long hours befpre this problem could take effect and still they were unable to assit me accordingly and blamed me for the the fee charged.
Consumer complaint received 2018-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (CT)

Again I have the same issue with Navy Federal credit Union with my credit card reporting. I spoke with a representative on XX/XX/2018 and made my payment before XXXX XXXX  as they stated. I asked the representative, and I want the called pulled this time and Navy Federal to listen to it, if my payment was going to post for that day and she assured me that it would. I said okay. When my credit reported it did not show the paid balance. Again Navy Federal told me false information and the representative assured me that the payment would be applied the same day. Now when I receive my payment notice it will say I paid on the XXXX. I don't know why I keep having this issue with this company all of a sudden
Consumer complaint received 2022-11-18
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

I was suppose to close on XX/XX/2022, but on XX/XX/XXXX around XXXX, a representative from Morgan Chase Bank, which I was using do finance a mortgage loan, calls me and tells me that the monthly amount was going to be around {$500.00} more. I asked why, they said because they estimated the taxes wrong. They applied the amount the seller had been paying and that I would have to pay more on taxes because I didnt qualify for the deductions the seller qualified for. I asked them, well, arent you guys working and analyzing numbers for me? And why did this change come up the day before I was supposed to close? I called the title company and asked when the tax information was sent to Chase Bank, they said it was sent to them on the XXXXXXXX XXXX XXXXXXXX. I told Chase bank that this change in payment made it not possible for me to purchase the home and that they should have told me this change in monthly payment way before XX/XX/XXXX, the day before closing, and I could of backed out of the deal and kept my earnest money. I have been trying to work on a solution with Chase bank since XX/XX/XXXX until today, XX/XX/XXXX. Today finally someone from their escalation team called me back and told me they apologized from them dropping the ball on the tax amount but they would not make me whole in my earnest, good faith money I lost on the deal. Its was their fault, they admitted to it and they dont want to repay me the money I lost trying to buy this house. I think its unfair, unprofessional, and them hiding behind supervisors and not facing their mistakes and do the correct thing and repay what I lost. Its not big deal for them because its not their money but it is for me. Its embarrassing, humiliating and disheartening having to tell people, oh no Im sorry, I cant get the home after all, I cant afford it, when its not even me the person who miscalculated the payment amount. Chase Bank should not be doing mortgage loans if they dont know how to add or subtract.
Consumer complaint received 2021-11-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (IL)

my Mother passed away suddenly. In the process of dealing with her financial affairs we discovered a redo of a mortgage with Quicken/Rocket mortgage. 
I have spent over 10 hours trying to reach a representative. 
The terms of the loan are absurd as well as the fees associated the loan. 
I find it troubling they would grant a XXXX year old a 30 year mortgage. 
it is impossible to talk to them and when I stated I would fly to XXXX finally someone called me back. I pleaded with her for a fee reduction and she stated not policy. 
We have given them way too much personal info IE : 2 death certificates first one they lost Each one cost XXXX USD. My family is not rich and these practices are deceitful. 
.