davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Experian has ignored and caused intentional harm to me personally with the accusations listed on my report from a fraudulent company. 

Source : https : //studentaid.gov/announcements-events/dream-center The U.S. Department of Education ( ED ) issued a letter on XXXX XXXX, 2019, to the federal receiverwho has control of XXXX and its financesand the chairman of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which owns XXXX. The letter informs the receiver and XXXX that ED has denied the pending application for the change in ownership and the related request to convert XXXX from a for-profit to a nonprofit institution for the purpose of participating in the federal student aid programs. ED took this step because XXXX does not meet certain standards, including administrative capability, financial responsibility, and the institutions duty to use federal student aid program funds only for their intended purpose. XXXX  failure to pay credit balance refunds owed to its students and parents demonstrates that XXXX can not meet the required standards. 

This denial decision applies only to the following institutions owned by XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX University XXXX XXXX ( XXXX XXXX  ) XXXX XXXX, CA XXXX University XXXX XXXX XXXX XXXX California XXXX XXXX XXXX, XXXX
Consumer complaint received 2021-06-25
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. (CA)

I did not give XXXX DIRECT consent to report on my consumer credit report pursuant to 15 usc 1692c ( a ). They have allowed company 's to conduct inquires and monthly evaluations without my written consent. This is against the federal law and result in adverse actions pursuant to 15 usc1681m.
Consumer complaint received 2021-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I did not give XXXX DIRECT consent to report on my consumer credit report pursuant to 15 usc 1692c ( a ). They have allowed company 's to conduct inquires and monthly evaluations without my written consent. This is against the federal law and result in adverse actions pursuant to 15 usc1681m.
Consumer complaint received 2022-10-15
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NJ)

On XX/XX/2023 my mortgage went from {$650.00} to {$1200.00}. I spoke to XXXX from the Insurance department at Rocket Mortgage. 

I was told that my escrow amount for flood insurance was increased due to the fact that Rocket mortgage paid the entire condo associations a total of 21 units and billed it to me .My escrow account needs to be replenished due to this. Rocket mortgage stole money from me to pay a bill that was paid in error. The XXXX XXXX pays the flood insurance on all the units. Rocket Mortgage had charged my account for the total premium of flood insurance for the entire XXXX XXXX. They mailed a check to the Insurance Company to cover 21 units in this association. This was verified with XXXX from XXXX XXXX. ( see attached email ) So basically they did this in error and charged this to my account and they will not bring my mortgage payment back to the original amount of {$650.00} ( see attached new mortgage statement ). I am being told until they receive the money back ( money that I never received and have no way of getting ) my new mortgage payment will be {$1200.00} .Is n't this grand larceny? Rocket mortgage made a huge error mailed a payment to an insurance company for flood insurance on 21 condo units and they are billing me for this. This is insane. They refuse to rectify this error until XXXX XXXX mails the check back to the XXXX XXXX and the association gets it back to them. Why am I being billed for this!
Consumer complaint received 2020-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (UT)

I send a dispute XX/XX/XXXX to Experian to do and investigate via letter to investigate an alleged late on the XXXX acct that says that I was late on XX/XX/XXXX. I was never late on this account. The letter asked for them to correct the information. They dis not respond and they are non compliant. By law they are suppose to respond in 30 days and it now XX/XX/XXXX with no response to my investigation. I send out a letter of Non compliance XX/XX/XXXX. I was never late on this account and I want it updated to reflect never late and remove the alleged late payment on XX/XX/XXXX and to reflect a positive never late on this account
Consumer complaint received 2022-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NV)

I sent XXXX, XXXX and Experian letters in early XXXX  they were have said to arrive to the Bureaus on or around XXXX XXXX A few accounts were not mine and I requested for them to further investigate and within 30 days to try to resolve the issues. It has now been 48 days, and STILL NO response from XXXX or Experian and then XXXX sent me a letter on XX/XX/22 stating that " it doesn't appear that me or a properly authorized third party sent the letter '' I am at a loss as I am trying my hardest to get this resolved and with no help. Can someone please assist me? I feel like I am getting the run-around! I am not able to do many things with my credit being compromised like this. I Have been dealing with this since XXXX of last year, and I also reported to Identity theft to the FTC and have 3 separate reference numbers.
Consumer complaint received 2021-09-08
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION (CT)

check XXXX amount XXXX ( overpayment ) My name is XXXX XXXX I received this check on XX/XX/21. 
The check is for overpayment of a vehicle. 
The problem is I am unable to cash this check, my so. XXXX is in the XXXX unable to travel. I live in Connecticut. The check is written XXXX XXXX and XXXX XXXX. Because XXXX is not able to be there in person I asked if XXXX could send info stating that I can have the check placed in my name only to make it easier to cash. I was told XXXX had to give me power of attorney to do this. He is not giving anyone that right I called XXXX to have the check reissued as is. I had signed the check I was told it would take 10 days to make sure the check had not been .cashed, that was 2 weeks ago. I called today XX/XX/21 I was placed on hold for 25 min after asking fora supervisor and then sent to voice-mail. This is unacceptable, and the end results I will still not be able to cash this check. Please help, I have called this company several times and they did not ask for XXXX info when I was making the payments. I understand that the contract has both names, but the did not try to accommodate for him being on the military. 
Thank you in advance XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-02
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (MN)

I purchased my home in XX/XX/XXXX utilizing USDA financing as I was a newly divorced, single mom with XXXX children ( Purchase amount {$140000.00} ). In XX/XX/XXXX my employer sent everyone to work from home. The bills increased as all three of us were now home and I was struggling to make my mortgage payments. I asked to take part in the XXXX XXXX mortgage forbearance option in XX/XX/XXXX and was approved. I did not make payments from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX I applied for a loan modification. By this time my loan was sold from XXXX Loan Servicing to LOANCARE LLC ( Balance of {$140000.00}, but LAONCARE tacked on what they claim was accrued interest during forbearance of {$4000.00} bringing it to {$140000.00} ). I resumed making monthly mortgage payments in XX/XX/XXXX until XX/XX/XXXX. I stopped making payments at this point because I had decided to sell my home and trying to work with LOANCARE had become impossible. 

From XX/XX/XXXX until now dealing with LOANCARE has been an absolute NIGHTMARE!!!!!! I submitted a complete loan mod packet as required in XX/XX/XXXX. I received confirmation from LOANCARE that this was in effect. I alos received a letter describing that I had been assigned a loan modification advocate which was a complete lie. I tried reaching out to this person and was told there is no such person working there by that name or extension ... ... .go figure. In XX/XX/XXXX LOANCARE contacted me saying I needed to submit everything all over again because it expired, so I did. I received ANOTHER loan mod packet in the mail XX/XX/XXXX. This is going on almost a year of dealing with a company who WILL NOT explain the insane additional charges they tacked onto the loan now totaling well into {$7000.00}. Not to mention NO ONE can answer any question with any consistency. One person tells me my paperwork is being processed, but then I get a packet the mail. One person tells me I have no payments due until XXXX because I am in the middle of a loan mod and the next thing I know I am getting passed due notifications and my payoff amount increased another {$1000.00}. 

I am at my wits end with this company and I truly believe it is their sole purpose is to bankrupt taxpaying mortgagees into foreclosure by giving them absolutely no way to navigate a loan modification. This company has tacked on so many charges to my loan that I don't even know what is interest, what is principal, or what the actual balance of the loan is anymore. 

I certainly hope there is SOME SORT of help out there for taxpayers in this similar situation. I have researched this company several times and there is no shortage of complaints, class action lawsuits and litigation against them. I can not believe they have not been held accountable yet for, what seems to me, to be a multitude of consumers crying for help with the very same issue I am experiencing.
Consumer complaint received 2018-11-01
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: HSBC NORTH AMERICA HOLDINGS INC. (MD)

I wanted to open a new credit card so I did a search to find one that would give me a bonus for singing up. Based on the results I found I signed up for an HSBC credit card. While I do not have a photo of the signup offer, I was under the impression that I was signing up for a promotion that would give me {$150.00} or {$200.00} cash back after spending {$500.00} or {$1000.00} ( again, I should have taken a picture, but this is the range of the deals I was looking for, and my goal had been to sign up for the best deal I would be eligible for ). I was approved for the card and the account was opened, but now they tell me I need to spend more than {$2000.00} to get the bonus. I don't spend that much money on my credit cards and never would have signed up for an offer like that. Now I have a mark on my credit report all for nothing.
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I began mortgage rate shopping on XX/XX/XXXX for both a refinance and a new home purchase. Between XX/XX/XXXX and XX/XX/XXXX, I rate-shopped with approximately 5 lenders, who all made hard inquires into my credit reports. I chose a lender and refinanced my current home. There was an issue with this lender and I had to find a new one, and began rate shopping again on XX/XX/XXXX, with an approximate additional 5 lenders, and stopped on XX/XX/XXXX when I settled with a new lender. 

Each of these lenders assured me that rate shopping would not hurt my credit score because, as it says on CFPB 's website, " within a 45 day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry ... you can shop around and get multiple pre-approvals and official Loan Estimates '' ( https :  //www.consumerfinance.gov/XXXX  ). 

My credit score has dropped approximately 30 points on Transunion, XXXX, and XXXX  as a result of these hard inquires. When I called Transunion and XXXX, both of the representatives told me that CFPB 's information is wrong, and that my score will decrease each time a hard inquiry is pulled.
Consumer complaint received 2020-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (AZ)

When I went to XXXX, and pulled all three credit reports, Experian will not let you save your reports as a PDF onto your computer. Within 10 seconds of the report loading, I clicked the save button and it says the page has timed out for your protection. I asked my friend to pull her reports a few days later, and again, the other two agencies let you save your report, but Experian gave her the same message only seconds after the page loaded. I tried to report this to  XXXX, but they do not allow you to speak to a person. 

So in effect, Experian is violating the law by not allowing people access to a free report as guaranteed by law and pretending they are because they let you see it, but you can not actually save it. XXXX must be aware of this and facilitating Experian in their shenanigans.
Consumer complaint received 2021-09-08
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)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. ()

In XX/XX/2019 I moved from the XXXX XXXX to XXXX. Prior to that I had mobile phone service with XXXX. I kept my number with XXXX for some months while I was settling. Once I determined I was going to stay in XXXX long term, I paid my final bill, and canceled my account. I double checked that the account was canceled by attempting to log in, and the account was closed. 

In XX/XX/2019 they sent me a letter for {$140.00} ( letter attached ). The letter stated I could dispute the validity of the debt, which I do, since I paid my final bill when I canceled the account. I wrote them a letter, and then they responded by email, saying I could call them or they would respond in writing. I wanted them to respond in writing showing why they thought I owed them more money. They said they would do that, but they never sent me another letter. Instead they gave the bill to a collection agency. 

I then disputed the bill with my credit agency. They refused to send the outcome of their investigation to XXXX, but the bill dropped from my credit, so I thought the matter was settled. 

Recently however a new agency has obtained the debt. I still can not get anyone to send me a letter stating why they believe I owe them money, and the credit reporting agency won't send anything to XXXX.
Consumer complaint received 2021-09-08
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. (OR)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2024-02-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

During the initial application the Agent NMLS # XXXX told me that the HELOC Loan would be for XXXX, I only asked for XXXX on my home valued at XXXX I told agent that we were paying off the HELOC on primary residence as well as the second home clearing all debt to the XXXX XXXX Home where my son lives. 

Agent seemed to be rushing the entire process ; I can only imagine to get her application numbers up ( Metrics ) I worked in financial industry before becoming XXXX so I knew something was amiss. 

When I got the paperwork the HELOC was for only XXXX and when I called I was told my DTI was too high ; it's at 37 % after I pay off both HELOCs, why I am doing this to lower my DTI as it affects my credit scores ( Currently above XXXX ).
Consumer complaint received 2024-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.
Consumer complaint received 2017-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MN)

A few weeks ago I increased my monthly payments from direct debit to add an extra {$140.00} per month onto my monthly installment amount. I received an email on XXXX XXXX, 2017 at XXXX XXXX stating that I am enrolled in direct debit service so the payment of {$360.00} will be automatically withdrawn from my bank account on X/XX/2017. On XXXX XXXX, 2017, I looked at my bank account and noticed that my student loan payment was not taken out of my checking account. I called customer service and was placed on hold for 35 minutes, only for them to tell me that the Delinquency is no big deal, that the confirmation letter they sent me on XXXX XXXX was a mistake in their system, and that it wo n't change anything on my account. Upon logging into my account I noticed that all of my loans were DELINQUENT. I manually processed a full payment immediately in order to cover the over due balance. I then received another letter on XXXX XXXX, 2017 stating that interest had been capitalized on my loans. I immediately went in and made a payment for the interest amount of {$53.00}. This error needs to be corrected and I demand the delinquent status be taken off of my account and erased from my payment/credit history. I talked to customer service today for 33 minutes and they admitted their mistake in sending me a confirmation that my payment would be automatically withdrawn on the due date, they told me that because of a delay in their system, they could not take off the capitalized interest. I then spoke to a manager who put in a claim for me and told me to call back in two weeks. I do n't want to wait two weeks to get my money back and for them to fix their mistake. But not for the confirmation email and letter I received on XXXX XXXX, 2017, I would not be delinquent on my loans, had forbearance placed on my loans, and be charged capitalized interest. I pay my bills every month when they are due and in fact, I pay more than what is due. As a customer I deserve respect and I was treated as if it was my fault. The customer service man I spoke with today, XXXX XXXX, told me that it is not likely anyone will be able to help me even though he is putting in a request to management, after he rightfully admitted that the reason for this matter was due to their own mistake and systems. I have received emails and letters in the mail which apparently, accounting to FedLoan Customer Service, were incorrect. As a customer, I relied on this information from FedLoan Servicing, which caused my accounts to become delinquent and my loan interest to be capitalized. I am very disappointed in FedLoanServicing and I expect this mistake will be fixed promptly.
Consumer complaint received 2022-10-15
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-11-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NC)

The majority of monthly repayment monies is going towards the interest with no monies being applied towards the principal at all in some cases. For example, 0 monies were applied to the principal for the months of : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Payment posted on XX/XX/XXXX reflects a - {$10.00} principal payment and a - {$440.00} interest payment.

The payment for XX/XX/XXXXreflects what I feel is a true calculated payment as - {$300.00} was applied to the principal and - {$140.00} for the interest. I believe there are discrepancies throughout the 13 years of history on these loans and reflects a gross inconsistency in the repayment of my loans.