davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Manhattan Beach Venture, LLC (MD)

On XX/XX/XXXX I signed a digital contract with XXXX XXXX XXXX to pay them a specified amount ( $ XXXX/ month ) for a total financed amount of {$1300.00} over the course of 3 years for services rendered by The Student Loan Relief Department for student loan debt reconsolidation. After calling multiple numbers provided for different departments and emailing different individuals from The Student Loan Relief Department since XX/XX/XXXX I have not been able to reach anyone. Student Loan Relief Department : XXXX XXXX, Enrollment Advisor, XXXX, XXXXXXXXXXXX Student Loan Relief Department : XXXX XXXX, XXXXXXXXXXXX Student Loan Relief Department : XXXX XXXX, Quality Assurance Manager, XXXX, XXXXXXXXXXXX Student Loan Relief Department : XXXX XXXX, Client Services, XXXX, XXXXXXXXXXXX Student Loan Relief Department : XXXX XXXX, Enrollment Account Specialist, ( XXXX ) XXXX, XXXXXXXXXXXX One of the numbers that I was provided for The Student Loan Relief Department has since been changed to that of a department store. When I call the number on their website it will ring and then the call is ended. In XX/XX/XXXX I was alerted by my credit monitoring agency that my credit score had dropped a significant amount because I was not notified that my required repayment period had begun 90 days prior and I was never notified via telephone, e-mail or US mail, despite efforts to contact these companies prior to my credit score dropping. I contacted my original loan servicer, XXXX XXXX XXXX, at which time they notified me that Student Loan Relief Department changed all of my passwords and usernames for my profile which prevented me from accessing my account to get my repayment information for my loan. I was also granted a temporary forbearance because of above situation. I did not give them permission to access, nor changed my account with my original loan servicer, XXXX XXXX XXXX. I was finally able to get into contact with XXXX XXXX ( XXXX ) at Student Advisors ( I believe this is a company that The Student Loan Relief Department is affiliated with or they also conduct business under this name ) on XX/XX/XXXX. I requested that my account be cancelled because the promised services were not rendered ( student loan debt consolidation & public service loan forgiveness document preparation ). At this time I was told that a manager would contact me. On XX/XX/XXXX I called XXXX XXXX direct line and I have not been able to contact him since. To date, I have paid The Student Loan Relief Departments financing company, XXXX XXXX XXXX {$190.00} for services that they are not providing. I have since removed my bank account information from XXXX XXXX website so that they can not debit any money. I know that this will eventually end in my credit score being affected yet again because of missed payments. I have not been provided with the documents that The Student Loan Relief Department provided to the Department of Education on my behalf so it is not included below.
Consumer complaint received 2019-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (KY)

We called loan care the evening of Tuesday, XX/XX/XXXX spoke with one supervisor and two people in the escrow department and one in the insurance department. What happened with our escrow analysis was that it was ran in XXXX as a normal however our insurance company had only sent the XXXX page electronically to them. Loan care treated this as a bill in the same month of XXXX when the hazard insurance was not due until XX/XX/XXXX. Obviously this created a large short fall of our escrow as well as the projected difference for next year as well as the increase in taxes. The total short fall for XXXX should be less than {$200.00}. XXXX hazard insurance amount was {$1000.00} and in XXXX it was {$1000.00}. That is a short fall of {$32.00} for hazard insurance. Taxes in XXXX were {$2800.00} and in XXXX they were XXXX for a shortage of {$150.00}. Total shortage should be {$180.00}. We tried talking with a gentleman in escrow department named XXXX who told us that we can not have a new escrow analysis ran nor could we pay the difference on the new insurance alone. We have asked for a breakdown multiple times of the shortage and nobody is able to provide us that break down. We would just like a new escrow analysis based upon the due date in XXXX for the renewed insurance policy that was paid early on loan cares part or give us a solid number what he shortage of the Insurnace alone for the  renewal in order to correct our monthly escrow. 

Its important to note that every individual we spoke with including the supervisors were unhelpful and unwilling to help claiming that it was not their department or they couldnt run numbers without us sending additional money to deposit in the escrow account and said they did not have access to any of the documents that pertained to our loan for our request. Also the my seem bound and determined to make the customer feel wrong and that there is no solution
Consumer complaint received 2018-07-29
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)

CFPB, Please accept this complaint as a formal notice that TransUnion is in violation of my rights under the FCRA. I have advised this company multiple times that they are furnishing inaccurate information on my credit report. 
I disputed an account on my file being reported by XXXX XXXX XXXX XXXX/XXXX with an account number of XXXX on XX/XX/2018 ( attachment A ). TransUnion received my letter on XX/XX/2018. I informed them that this account is no longer supposed to be reported negatively and supplied TransUnion with documentation supporting my dispute ( attachment B ). After recent review of my credit report furnished by TransUnion, I noticed that their company did not update the information to the appropriate monthly payment history of OK, for all months reported nor an account status of paid as agreed. This account should have NO negative payment history, and they have not corrected the inaccuracy after being informed. There are also a number of other inaccuracies being furnished by this company. 
The account number was changed from XXXX to XXXX. 
The account type is being reported as employment, when this account is an education loan. 
They are reporting a monthly payment of {$50.00} on this {$0.00} balance account. There can be no monthly payment on a {$0.00} balance account. 
The payment status is reporting 120 days past due when all payment history should have be updated to paid on time and as agreed. 
The high balance amount is reporting as {$2500.00} and should be {$0.00} ( as it is reporting to XXXX as {$0.00} ). 
TransUnion is in complete violation of my rights as they are knowingly furnishing inaccurate information and damaging my credit worthiness ( attachment C ).
Consumer complaint received 2018-07-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (NY)

I had a loan with XXXX XXXX where the loan terms were predatory. 

I did business with a car dealer in XX/XX/XXXX in XXXX NY that was shady to say the least. I purchased a {$15000.00} vehicle and gave {$5000.00} as down payment in XX/XX/XXXX. I had to start a new job the following day and rushed through a process that I would normally take my time on. In XX/XX/XXXX without missing a payment of {$450.00} a month for 5 years my loan was still {$14000.00}. Five years of not missing a payment and the loan went down {$500.00}? The dealer kept my deposit and did not put it towards the price of the car. 

I called XXXX XXXX to negotiate a new loan and they declined to help, saying that they would give me a lower payment but only for 6 months. I refused. After 5 years of paying {$450.00} a month I had already paid {$27000.00} on a car worth less than {$15000.00} and Santander was not willing to negotiate a fair loan. I then asked for a Voluntary surrender of the vehicle and they came and retrieved the car. Later I received a letter from Santander saying they auctioned the car for a few thousand dollars and I was responsible for the rest. I believe Santander sold the vehicle for about {$8000.00}. Therefore Santander collected {$27000.00} worth of payments from me plus {$8000.00} from an auction. Thats {$35000.00} on a car worth less than {$15000.00}. Then sold the debt to a debt collector named XXXX XXXX XXXX on top of the {$35000.00}. 

Then I get a call from XXXX XXXX XXXX. I tell them the story and tell them that I don't intend to pay another dime. This was in XX/XX/XXXX. 

Now in XX/XX/XXXX I need to buy a home for my family of XXXX and XXXX shows a collection on my credit report. I call XXXX and tell them clearly that I want to pay this loan off to have the collection deleted from my credit report. I was very clear when I said I will only consider paying more money towards this car if the collection is removed from my credit report. Over the phone the person understood and knew exactly what I needed. I payed {$2000.00} more to settle the debt. 

I made the payment on XX/XX/XXXX and on XX/XX/XXXX the collection is still showing on my credit report. It does show a XXXX balance but my request before agreeing to pay was to have the collection deleted from my credit report. 

It is obvious that I paid Santander and XXXX enough money as to not be punished with this collection on my credit report. XXXX used deception to collect this money which continues the same trend from the Santander loan of negatively affecting my financial status since I will be paying a higher mortgage because XXXX did not do what they told me they would.
Consumer complaint received 2018-07-29
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. (NJ)

Equifax is reporting a collection account on my report which does not belong to me & after several reminders they fail to delete the incorrect information on my credit report. 

collection account in question is XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX A/C # XXXX {$55.00}
Consumer complaint received 2020-07-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MT)

On XX/XX/XXXX, I tried to pay a bill online of {$4300.00}. Apparently, the payment did not go through, so when the paper bill came in the mail, I paid for it with a check - {$4300.00}. That check was written on XX/XX/XXXX, and cleared my checking account on XX/XX/XXXX. Then, on XX/XX/XXXX, the bank applied my online payment, 11 days AFTER my check cleared and the bill was paid, and 28 days after I tried to pay it on line, and removed {$4300.00} from my checking account, creating a massive overdraft. I called customer service, spoke with a lady whose name I don't know, told her of my problem, and she said, " So now you have a credit of '' of some figure close to {$4000.00}, but I don't remember how much. I told her I wanted the bank to reverse the charges on my card and immediately return the funds to my bank. She said they couldn't do that, upon which I said, why not? Banks and businesses do that all the time. She said that they could send me a check, but that it would take 2 weeks. I was not happy. That's two weeks of the bank keeping my money for their use, and not mine, not to mention the fact that that's a flagrant misuse of my credit card information.
Consumer complaint received 2018-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I took out three student loans in XX/XX/XXXX. After being denied a lease at an apartment due to having " 15 negative accounts '' on my credit report. I thought this was odd as I six accounts. XXXX credit reporting company has it correct, however there are three mistakes with my student loans. I took out three loans of XXXX. It seems every time my loan changed hands it created a new account and added another negative account to my report. there are also duplicate listings with the original lender listing the loans as 150+ past due. Also as I defaulted on my three loans after having my taxes taken to pay what it would I entered a loan consolidation. The loan consolidation also appears to have caused this issue but also there are new accounts for each of the account acquired for consolidation as well as the sum total consolidation account. this happened for the original consolidator as well as the current owner of the account.
Consumer complaint received 2018-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I took out three student loans in XX/XX/XXXX. After being denied a lease at an apartment due to having " 15 negative accounts '' on my credit report. I thought this was odd as I six accounts. XXXX credit reporting company has it correct, however there are three mistakes with my student loans. I took out three loans of XXXX. It seems every time my loan changed hands it created a new account and added another negative account to my report. there are also duplicate listings with the original lender listing the loans as 150+ past due. Also as I defaulted on my three loans after having my taxes taken to pay what it would I entered a loan consolidation. The loan consolidation also appears to have caused this issue but also there are new accounts for each of the account acquired for consolidation as well as the sum total consolidation account. this happened for the original consolidator as well as the current owner of the account.
Consumer complaint received 2021-06-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (VA)

A company ( XXXX XXXX ) fraudulently charged our bank account debit card {$10000.00} on XX/XX/2021, when we only authorized {$5000.00}. Navy Federal Credit Union denied our claim for an unauthorized debit of our account. We provided Navy Federal Credit Union a credit card authorization form where we only authorized {$5000.00} to be debit by XXXX XXXX. 

XXXX XXXX made other fraudulent misrepresentations to Navy Federal credit Union. The false representations were confirmed by the XXXX County Inspector.
Consumer complaint received 2020-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

I went to a trade show in XXXX in XXXX of XXXX and found a great deal on a bed my wife and I wanted to buy. The company was Mattress Firm. I was told that it would be shipped to my house in 14 days. They said I would be receiving free sheets, pillows, and pillow cases for my purchase. They also said I could cancel any time. So, my wife and I really wanted this bed, so we sign up to buy it. 30 days goes by and nothing. Then I get a phone call stating that my mattress was going to be delivered. They said it took so long because I was in a rule part of California. ( XXXX ). I told them that I wanted to cancel the order. They said, " OK. '' The next day, the mattress company calls me and says that they are going to deliver the mattress. I told them that I cancelled the order the day before and I did not want them to deliver the mattress. They said again, " OK. '' Then I started to get billed from Syncb/XXXX  ( Synchrony Bank ),  not for the mattress, but for the linens. I did not receive anything. So, my next step was to call Synchrony Bank and get this fixed. I called them and told them what happened. They agreed that I should not have to pay the {$540.00} dollars that was getting billed to me. So, they cancelled the charge and closed my account with Synchrony Bank. 

Low and behold, I see my credit score and start freaking out. XXXX says that my credit score is XXXX. I check to see why because if you look at everything on my report, I am an outstanding citizen when it comes to paying my bills. The report says I have 8 on time payments and 2 missed payments from Syncb/XXXX  ( Synchrony Bank ). I did not make any payments to Synchrony Bank, let alone 8 to go along with 2 missed payments. I want these flagellant accusations abolished from my report so that I can by a home for my family. I am going to take all the steps possible to do so. Thank you for your time.
Consumer complaint received 2021-06-24
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. (MI)

I filed Chapter XXXX Bankruptcy on XX/XX/XXXX. XXXXXXXX XXXX, who I have my mortgage through, did not reaffirm and it was discharged in my bankruptcy on XX/XX/XXXX ( copy of discharge attached ). 

In preparation to lease a new vehicle, I ran my credit report and saw that XXXXXXXX XXXX has been reporting my current payment history and balance of my mortgage loan on my credit, which is a direct violation of my bankruptcy discharge. 

I disputed it with all 3 credit reporting agencies. XXXX and XXXX changed my reports. Experian sent me the results of my dispute stating that XXXXXXXX XXXX  is reporting properly on my credit. I disputed it again and receive the same result 2 days later ( both dispute result notifications are attached dated XX/XX/XXXX and XX/XX/XXXX ). 

On XX/XX/XXXX I sent a letter to XXXXXXXX XXXX requesting that the payment history of my loan be removed after XX/XX/XXXX, when my bankruptcy was discharged ( letter is attached ). 

On XX/XX/XXXX I receive a reply letter from XXXXXXXX XXXX stating that they would correct the reporting and show that the loan was closed on XX/XX/XXXX. This is not correct. The debt was discharged on XX/XX/XXXX. 

As of today, XX/XX/XXXX, XXXXXXXX XXXX  has failed to updated my credit report. Experian still reflects XXXXXXXX XXXX with a balance and is showing my current payment history on a discharged debt that I have no personal liability for ( copy of what the XXXXXXXX XXXX listing on my Experian credit report looks like attached ).
Consumer complaint received 2019-03-20
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: WELLS FARGO & COMPANY (TN)

I have a loan with XXXX XXXX and WFDS. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX XXXX and WFDS with no successful resolution. XXXX and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2018-03-07
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: WELLS FARGO & COMPANY (NC)

I was in need of a new AC unit and contacted XXXX XXXX XXXX XXXX XXXX, NC in order to repair or replace my AC unit. When I filled out the form for financing, I was told the financing would be going through Wells Fargo. I received an information packet and credit card via Wells Fargo. However, I decided that the amounts XXXX XXXX XXXX provided were far too expensive. I called another company and had them come out to fix my unit for a fraction of the cost XXXX XXXX XXXX quoted. And, was I also informed that the information regarding both the outdoor and indoor units were very different from what XXXX XXXX XXXX told me. XXXX XXXX XXXX claimed my outdoor unit was 11 years old and needed to be replaced along with my indoor unit. However, the company I went with said that the outdoor unit was only 7-8 years old and in perfect working order. Only the indoor unit needed to be replaced. So, that what I did as of last week with the other company and paid them the full amount of that up front. 

Today I received a letter in the mail from XXXX XXXX saying they had a credit application from XXXX XXXX XXXX in my former name, XXXX XXXX, ( not my current name of, XXXX XXXX XXXX of which I only gave them ). XXXX XXXX XXXX took out a credit application with another finance company without my knowledge or permission in a name I no longer have.
Consumer complaint received 2022-04-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CT)

Rocket Mortgage has calculated my tax escrow payment incorrectly to the extent that my monthly property tax payment is actually higher than the loan ( principal/interest ) payment itself! I have contacted the local tax authority in my city and the representative is in agreement with me that their calculation is incorrectly and would result in an excessive escrow surplus in the account. This situation is putting financial strain on me in terms of my own budgetary liquidity needs and is unnecessary. I have been told that there is a " team working on it and it takes 7-10 days '' but I've attempted to address this with the company a month ago before the closing and nothing was done so I do not trust or believe that they are capable of fixing it now either. It is now day 7 and still nothing has changed- they expect a XX/XX/XXXX payment that is about {$300.00} higher than what it should be. I feel that it's also a bit ridiculous that it would tax so long to simply divide the annual tax bill total by 12 and fix the payment. That's grossly inefficient. But perhaps more of something that Senior Management should look at. 

The tax assessor confirmed with me that the amount which should be withheld for property tax should match with the property tax bills from prior years ( which I pulled from their municipal website ). 

Furthermore, the originator of my particular loan also gave me false legal advice. Because of his aggressive push to close on the loan and earn his fee income, he wanted to assure me and give me a false sense of confidence. The property I bought has month-to-month tenants occupying it. My originator told me ( on a recorded line ) that after transfer of property ownership, I would not develop a landlord-tenant relationship with these people. My lawyer told me that this information was false and I indeed now am in a position where I may need to evict the tenants. 

I believe it would be in the interests of other consumers that the practices and processes at this large institution be examined for potential streamlining opportunities and also an examination of ethical standards. 

Thank you