davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (CA)

I opened an account with XXXX dollars with first national bank of pennsylvania. After 1 day my online access was cut off due to me living outside of their traditional service territory. I called their customer service 3 times and the first 2 times i was told an online rep would call and reach out to me which never happened either time. Afterward, i tried to close the account out and they told me I have to do it in person. I live XXXX miles away and can not go into a branch and they wont do anything for me.
Consumer complaint received 2021-07-15
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. (NJ)

XXXX/XXXX  Opened XX/XX/XXXX XXXX/XXXX XXXX  # XXXX Opened XX/XX/XXXX *Fraudulent Account THESE ACCOUNTS DOES NOT BELONG TO ME THIS IS FRAUD
Consumer complaint received 2020-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TN)

I bought my house in XX/XX/XXXX and I have had 2 payment increases one in XX/XX/XXXX for XXXX dollars a monyh and now in XXXX  XXXX for XXXX dollars a month because of escrow .The bank associate for mortgage gives no reason excrpt someone messed up.
Consumer complaint received 2020-01-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

This company MBA LAW also known The Law Offices of Mitchell D. Bluhm & Associates Called me with treats and curse words and when I ask them about debt that they were implying about.I asked them to mail out to me so that I can verify it.They said that they would mail it out and they never did.They called back from a different number cursing and treating me once again then told me that they can email it to me.All I said is that I am not aware of this debt and that I needed more information .I gave them my email address and they said that they would email it to me.they never did .Today XX/XX/2020 was the first time it was emailed after they cursed and said derogatory things constantly to me and the email that they sent needs a password to open up .How does a company get the right to harass and torment people like that .I was even told No that they are not emailing me anymore because they sent it already.They never sent it until today. They are rude nasty and down right despicable to people .and I still do not even know what the bill is .I have XXXX, and I am afraid to answer my phone because they call from different numbers all the time treating me cursing and teasing me of my accent, RIGHT TO DISPUTE THE DEBT : Within 30 DAYS of receiving notice of the debt from the debt collector, you can send a letter to the debt collector disputing the debt and requesting the name and contact information of the original creditor. The debt collector must stop all debt collection activities until it can verify the debt. 

RIGHT TO VERIFY THE DEBT : A debt collector verifies the debt by giving you enough information about the debt so that you can tell whether you actually owe it. The type of information that must be provided changes depending on your specific circumstances. 

In most cases, verification should include, at minimum : the amount of the debt, the date of the debt, and the name and contact information of the original creditor. 
If you contest the debt on grounds of identity theft or mistaken identity, verification should include a copy of the original signed contract or note. 
If you contest the amount of the debt, verification should include information about payments made, and interest and fees charged and/or waived.
Consumer complaint received 2015-05-30
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Navient Solutions, LLC. (TN)

I attended XXXX XXXX with the promise that I would be offered hands on training in the XXXX XXXX XXXX, have immediate job placement after or possibly during completion, and that my entire education would be covered by federal grants and loans. I was rushed through the financial aid process without any mention of the cost of enrollment, or the amount of loans being taken out. The promissory note I did sign did not list loan amounts or interest rates. Each time I asked the school, I was unable to obtain the information. It was n't until after transferred to another school, that I was told by another financial aid department how many private loans were taken out for me by XXXX XXXX. All of them were private loans, none of which can be consolidated to lower the interest rate. For a single semester, I was charged approx {$17000.00}. If my status had been correctly assessed, I would have been eligible for federal loans and grants. I could have even possibly used my Father 's XXXX. None of this was explained to me, I had no idea the loans I signed for were not federal. None of the credits I earned were transferable to any other institution- therefore my time and money were wasted. The instruction was not hands on, and the equipment and technology used by the school was outdated at best.
Consumer complaint received 2021-03-01
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. (NV)

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of the bureaus, demanding they delete the inquiries that I did not authorize. It has been a total of 119 days and today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (MS)

I went online to view my statement and saw there is a charge for {$40.00} ( household? ), made on XX/XX/2021 at XXXX XXXX  that I don't recognize. I tried to call several times to speak to someone about it but I could not understand the reps ( not speaking English ), and they were rude, and indifferent to my made known request to them about the issue. As a consumer, I have the right to question a unrecognizable charge on my target store card. They also need to vet their employees and make sure he/she can speak American English, afterall this is " America '', English is the first language of this nation, and it helps so English speaking customers can understand the reps when enquiring about their account.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

TransUnion is woefully non-compliant pertaining to a collection account that was disputed through the cfpb portal the company XXXX XXXX XXXX agreed to remove and stop reporting to TransUnion however Transunion does whatever they want to do. 


See documents below I have proof the XXXXXXXX XXXX XXXX removed and Transunion is still reporting. 
I will be contacting the XXXX  and the attorney general 's office about this. 
Account # XXXX
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (NJ)

My house commercial mortgage with loan XXXX XXXX XXXX started on XX/XX/XXXX. 
Original payment was {$3400.00}. 
XXXX home taxes were {$17000.00}. 
In XXXX home taxes went down to {$5200.00}. 
On XX/XX/XXXX mortgage payment increased to {$460000.00}. 
After I asked for audit of my loan payment. In XXXX mortgage payments were recalculated and on XX/XX/XXXX mortgage organization issued reimbursement check in amount of {$16000.00}. 
On XX/XX/XXXX the new mortgage payment of {$3800.00} started. 
I asked for another auditing, on XX/XX/XXXX mortgage organization issued reimbursement check in amount of {$11000.00}. 
Because taxes were {$11000.00} lower comparing to the time of mortgage origination, I asked to reduce monthly payment to {$2400.00}. 
For 5 months mortgage organization accepted new mortgage payments in amount of {$2400.00}. After that they claimed that I missed mortgage payments for 3 months and started foreclosure process. 
I called mortgage organization with requests of auditing monthly payments, hired an attorney, but nothing helped. 
Id like to audit this mortgage organization, stop foreclosure and pay off entire mortgage amount. 
Please advise.
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (CO)

My US Bank Reliacard was placed on hold on XX/XX/XXXX. I was unable to view there was a hold however. Through the website and app there was nothing about there being a block on my account and everything looked fine, but any purchase of any amount was rejected. I called customer service to figure out what was going on and was informed there is a hold, but not why. I faxed over and filled out all my information and documentation online. I have called multiple times to check but I have received no help from any customer service staff. I am unable to pay my bills, or get any groceries and I have been out of food.
Consumer complaint received 2020-05-11
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX   XXXX {$2000.00} XXXX  XXXX {$1300.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$300.00} DEPTEDXXXX XXXX {$8500.00} XXXX XXXX XXXX XXXX XXXX {$57000.00} XXXX XXXX {$160.00}
Consumer complaint received 2020-04-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I AM VICTIM OF AN IDENTITY THEFT, AND I DECIDED TO TAKE APPROPRIATE STEPS AND HAVE THE BURUE TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT RPEORT. FINALLY I CAME ACCROS THE CIVIL CODES FOR CONSUMERS AND PER FCRA 605 B IT CLEARLY STATES THAT THE FRAUDULENT ACCOUNT MUST BE REMOVED/BLOCKED WITHIN 4 BUSINESS DAYS OF RECEIPT OF THE IDENTITY THEFT REPORT. I ACTUALLY GOT ON THE WEBIDE OF THE FAIR TRADE COMMISSION AND FOLLOWED STEP BY STEP. ONCE THE REPORT WAS COMPLETED I FINALYZED IT AND SUBMITTED THE REPORT TO XXXX AND WHEN I CALLED XXXX I WAS TOLD THATH THE FORM IS NOT COPLETED CORRECTLY. WELL I BELIVE THE CIVIL COURT IS HIFGER THEN XXXX OR ANY OTHER FINANCIAL INSTITUTION, WHAT IS THE POINT OF HAVIN THE GOVERNMENT OR THE CIVIL COURT IF EXPERIAN IS THE ONE WHO DECIDES WHICH ACCOUNT TO BE REMOVED OR BLOCKED.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-07-17
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. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2020-07-17
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: Experian Information Solutions Inc. (AL)

I have contacted the Creditor and Credit Bureau more than twice and no response and the issue is still unresolved. This is defamation of character. I would like proof of the original documentation with my signature to prove that this debt is my debt.
Consumer complaint received 2020-07-17
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

This is not a dispute statement against a credit card company. This is a personal statement that Equifax has completed. I do not see it listed on my report. I would like proof that this is completed. I do have my report that it is done but that is all. It is not reflected on myEquifax.
Consumer complaint received 2020-07-17
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (TX)

I had a loan of a little over {$500.00}. It was paid some time in 2011. Unfortunately I do not have the paperwork for the payment because it was made by my ex husband whom I am unable to contact. A couple of years ago, Navient started calling me saying it was never paid. They have destroyed my credit to the point I count even be added to a mortgage on my home with my husband.
Consumer complaint received 2020-06-01
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: EQUIFAX, INC. (TX)

After reviewing XXXX  credit bureaus. According to account XXXX XXXX continues to furnish a series of accounts which includes negative reporting in continuation of depleting creditworthiness along with possibilities of extending lines of credit.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MA)

Hi CFPB -- here 's the letter I wrote to Navient this evening : XXXX XXXX 2017 To the Navient Advocate -- My ex-wife and I, before we were divorced, consolidated our student loans in a spousal consolidation program then offered by the government. 
We were told it would mean we pay a lower amount over the long-term. 
For whatever reason, my name was put first as the primary loan holder, so the combination of our XXXX student loan debts shows as over {$130000.00} in my name. Because of the consolidation, I do not qualify for any of the income-based repayment or forgiveness options available anywhere. 

There is no exit strategy for this -- no way of undoing the spousal consolidation, even though we are now divorced. I have spent my career for the last 16 years XXXX. My Navient payments keep going up and your staff offers no sufficient explanations for why this is. In a call on XXXX XXXX, 2017, I was told the loan would be paid off after XXXX payments at {$720.00} per payment. I received a notice in the mail today -- barely three weeks later -- that the loan would now be paid off after XXXX payments at {$740.00} -- an increase of nearly {$20.00} per month. 

I have been on the phone now with your service center, waiting for an answer, for over half an hour. Plenty of time to write this letter, a copy of which I will be sending to the Consumer Financial Protection Bureau ( CFPB ). 

Interestingly, the CFPB is suing Navient because the company : & gt ; created obstacles to repayment by providing bad information ; & gt ; processed payments incorrectly ; & gt ; failed to act when borrowers complained ; & gt ; illegally cheated many struggling borrowers out of their rights to lower payments, which caused them to overpay for their student loans ; & gt ; deceived private student loan borrowers about requirements to release their co-signer from the loan ; and & gt ; harmed the credit of XXXX borrowers, including XXXX veterans I 've also read up on your CEO, and he fits the profile of the usual corporate crook, finding a way to maximize yield for investors through a business model that financially exploits middle class people who do not have expandable monthly budgets. I am one of those people. 

My first call tomorrow will be the Consumer Financial Protection Bureau to see what they can do for me. 

In the meantime, what solutions do you have to offer? 

XXXX XXXX
Consumer complaint received 2021-03-01
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. (FL)

XXXX XXXX has been inaccurate late payment reporting to the credit bureaus Experian, XXXX, XXXX XXXXThe account number from XXXX is # XXXX. I have sent proof of payment made from my checking account for the months inaccurately reported and still as of now they are still on my credit XXXX. The following months are the issue XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, ... .i have also mailed to CFPB the copy of both the initial complaint made to all three bureaus and also the 30 day demand letter to comply. As of today XX/XX/XXXX no correspondence or anything has been done .Please help me with this matter for this has caused a serious issue with my financial being to improve.
Consumer complaint received 2020-07-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

I have water damage in my home XXXX I called XXXX they put my family and I up in a hotel, I was in the beginning of the COIVID 19. 
XXXX send a check to have my kitchen and wash area redone we have no running water.. everyone in my household was out of work. 
XXXX send a check out immediately. The check was endorsed with my name and shell point mortgage name. I reached out to shell point mortgage, they informed me to endorsed the check and send it to them. This was back on for XX/XX/2020. Since this incident I been going back and forth with Shellpoint Mortgage, still no check ... we had to pay out of pocket to get our home fixed,, we sent numerous pictures regarding this still no funds.. XXXX did their part they was extremely wonderful and very helpful dont want this world crisis ( COVID-19 ) .. today is XX/XX/2020. Still waiting on shell point to send a check that XXXX already provided.. Shell XXXX is a horrible company they dont take pride in their customers very rude and not easy to work with. I get the E for services if you can help me with this matter I greatly appreciate it XXXX XXXX XXXX XXXX XXXX I completed the work in my home ourselves
Consumer complaint received 2020-10-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (TN)

Im owe a debt to American Express, Im have being unemployed since XX/XX/2019. But Im paying them a monthly payment of XXXX a month. I have repeatedly told them that is all I can pay but they keep calling me repeatedly trying to set up a different plan. Asking me about who is supporting me and why cant they give me more money to help with this debt. I find this unusual because Im paying off three other  card with payment of XXXX a month, and has never been harassed by them. Instead they send me a monthly statement of how much I have payed and what my balance is. This has gotten out of hand to point that I will not answer my phone if your number is not in my contacts list. Looking for some much need help with this.
Consumer complaint received 2020-07-14
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (UT)

after numerous attempted phone calls numbering into the double digits of transfer & voice mails and E-mails I have not been able to resolve my refinancing my mortgage loan application as of XX/XX/XXXX because of a loan suboardination response from XXXX XXXX  as the holdup for the loan. It feel 's like I am stuck between to financial svc Giants that are jerking me around. I am a XXXX yr old XXXX XXXX XXXX XXXX XXXX that's had a full blown XXXX & XXXX  XXXX  XXXX  etc - etc. I am at present a Freedom Mortgage Holder and have E-mailed them the suggestion of a novel idea which would be to integrate the HELOC loan into the mortgage loan. It seems everything stopped in the loan process when the suboardination release came into play with the loan. I thought with my credit score of " XXXX '' & my payment history of never ever missing a payment since XX/XX/XXXX that I have owned the home. I also got an interest rate lock agreement of 2.75 % from them. I believe I spotted the problem looking at that agreement which shows the market value of my home at {$410000.00} which is incorrect because that was the value of it 6years ago. The current XXXX Property Tax Notice market value is {$550000.00} I believe II have enough equity because I only owe {$340000.00}. I believe this meets the Loan To Equity standard. In these last few months I have really become frustrated no " LIVID ''.