davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (FL)

My current student loans were taken over by XXXX  XXXX XXXX from another company which took me through a rehab program to get the loans in good standing. As is common practice for all loans that are received by XXXX  XXXX XXXX, the loans were placed according to them, on to a " standard '' payment plan. After not too long I decided that I wanted to move them over to a more affordable payment plan, so I went through the process of applying for income driven payments. 

At the time of requesting the move, I was told I had two options,  either go in to forbearance which would allow me to stop making payments whilst my application was processed or allow my loans to default for non payment. Well I didn't want my loans to go in to default again so I went along with the forbearance idea, but at the time they did not tell me that the interest ( approximately $ 9k ) would be moved from total interest across all loans to the principle amount. 

This means that I am now paying interest on interest which is totally unreasonable. I was neither told about this nor did I request it. 

Prior to this the figures were approximately : $ 37k principle $ 9k interest Since the shift in XXXX of this year, my principle then became $ XXXX and I am now paying an average interest rate 4.88 % per year. 

Just to keep my loan where it is now I have to pay 4.88 % of $ XXXX per year forever, until the loan is paid. This is totally unreasonable and I did not request this. My interest should still be $ XXXX and that should be the interest to be paid, not 4.88 % of $ XXXX. 

XXXX  XXXX XXXX needs to be investigated for this type of behavior. Lets be honest, nobody would be in the business if they weren't making money but to do it this way is very deceitful and underhand. I of course asked them whether this could be reversed but they told me once it's done it's done. I asked them if this happens to everyone that goes through this process and I was told YES. 

They need to be held accountable!
Consumer complaint received 2018-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (AL)

Credence Resource Management has made attempted attempts to collect on debt that does not exist with my current mobile phone provider. CRM is refusing to release information unless I release PII to an unidentified resource. All accounts are current and there are ZERO late/missed or defaulted payments on my credit. I can provide full payment history on account. I would like to proceed with any legal action at my disposal through or in partnership with any government organization.
Consumer complaint received 2023-02-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (PA)

I was first notified by a telephone call in XXXX  from a woman who told me she was coming to my home to have me arrested and seize my property because I owed a debt to XXXX financial. I hung up and called XXXX, they had no record of any debt ever in my name. I had purchased a XXXX laptop and paid cash at XXXX. I contacted the store manager and he said it was a scam and to disregard it. So, I called the federal trade commission the same day and reported the number.

Since the summer XXXX XXXX, the debt collectors then called my senior parents and told them I owed money and if they didn't pay I would be arrested. After that I continued to get mail for this debt. I've called the company and told them I do not have any record of a debt with that company. And that it was never on my credit report. I contacted the company they are collecting for and they have no record of me owning money. But the calls and letters continue. Today I received another bill. I called again and asked them to stop. 

I have NEVER had a debt, credit card, loan, or payment plan with XXXX XXXX. I have no idea what this even is. I have pulled copies of my credit report for years. It's never showed up. I asked for a loan document with my signature, no one has given me anything. I don't know if this was sold to a debt collector as a scam or if it is identity theft but I don't have a debt with these people. And they have continued to harass me, my parents and the ones before them, harassed me as well!
Consumer complaint received 2018-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (IL)

Received a email my account is in overdraft for XXXX you can not withdraw a XXXX from you account have not been using my card to order any thing lately and I went into the bank to withdraw this month with this technology and online management is becoming a nuisances and a avenue to abuse and charge customers erroroansly. I dont want to thing my bank or the products I use are scamming my account had to replace my card recently because of uber charges adjusting to the account at XXXX XXXX. Please same thing happen to my XXXX money card I feel like I am being discriminated against.
Consumer complaint received 2023-08-10
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: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I opened a Bloomingdale 's store credit card a store and purchased several home good items for a total of {$490.00}. At the point of sale, the card application was completed and my physical card was received in the mail sometime later. My wife does not recall if and when a card in her name was received and lost. My card has always been in my possession. The purchases on XX/XX/XXXX were the only purchases I or my wife ever made on the Bloomingdale 's credit card. Following those purchases, {$12000.00} was charged to the card at in-person locations over the period beginning XX/XX/XXXX and ending XX/XX/XXXX which was around the time I became aware of the activity and cancelled the card. During this time, and unbeknownst to me, 4 payments on the card were made from my checking account totaling {$10000.00}. One payment of {$30.00} was made on XX/XX/XXXX that did not come out of any of my payment accounts. Several attempts to recoup these payments made for the fraudulent transactions and reverse the outstanding balance have been denied by Bloomingdale 's, citing insufficient evidence as well an unsubstantiated claim over the phone that identification was produced at the point of sale. On XX/XX/XXXX, they issued a letter stating their final determination has been made and the matter is considered closed. There was no appeal process outlined in that letter. I have made a single subsequent payment in the amount of {$140.00} on XX/XX/XXXX to keep my credit in good standing while attempting to resolve this issue. On XX/XX/XXXX, I filed a police report after researching further courses of action in a situation such as this.
Consumer complaint received 2018-04-07
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. (PA)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX will not address the issue at hand in which is 2 documents that in which 1 is not my signature and the other is not legally binding by no notary signature nor which is binding contract nor the instrument is legally binding. XXXX XXXX XXXXXXXX XXXX has yet to prove my signature is mines in which any one can tell the document is in fact one person signature. 

XXXX XXXX XXXX XXXX keeps sending documents not requested and a lot of documents not requested in chines writing. 

XXXX XXXX XXXXXXXX XXXX does not Reply to the issues at hand. There is no legally binding contract or Instrument legally binding.
Consumer complaint received 2021-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Adjusters, LLC (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2018-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRSTBANK (CO)

On XX/XX/17 I received a hard inquiry on my personal credit score from First Bank in Colorado. It might have been from me simple asking if I am eligible for a credit increase but my phone disconnected shortly after so I decided to forget about it. My only credit card with first bank has always been {$500.00} from the beginning since I wasn't able to proceed to ask for credit increase.
Consumer complaint received 2021-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (TN)

Hi, I opened an account with Citibank and my debit card didn't arrive. So I requested another one but explicitly stated, about four times, NOT to overnight the card. Citi did it anyway, and charged me {$13.00}. I contacted a chat rep who waived the {$13.00}, but an overdraft fee was charged in the amount of {$34.00}, which the rep said he was unable to waive and to call Citi. 

Here is a timeline of events that followed : XX/XX/XXXX - requested new debit card from Citi, requested specifically several times in no uncertain terms do NOT overnight the card. Agent overnighted it anyway, charging {$13.00} - account {$12.00} overdrawn XX/XX/XXXX - contacted rep requesting refund for {$13.00}, refund granted XX/XX/XXXX - overdraft fee is charged for {$34.00}, dated XX/XX/XXXX. 

XXXX XXXX Contacted rep online, could not refund overdraft fee as system denied request. Advised me to contact Account maintenance team who would have the option of listening to the original call - gave number XXXX XX/XX/XXXX - called agent to waive overdraft fee. Submitted request, said wait 2 days to see result XX/XX/XXXX - no fee waiver granted, no communication from Citi Escalating to complaint with CFPB
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This complaint is against XXXX, TRANS UNION and XXXX, after review of my credit report, they shows that a delinquent account, the one with XXXX XXXX XXXX. 
This account was hacked and a balance above and beyond my credit limit was permitted by XXXX XXXX. 
In spite of many calls and letter review, XXXX XXXX still reporting delinquency of an account and has not clear it. I disputed this reporting with all 3 credit bureau and they still reporting it. This situation has become a nightmare because i am being deny credit by most company and this is the only thing negative in my report.
Consumer complaint received 2018-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Gerald E Moore & Associates, PC (CA)

I received a document from the Law Office of XXXX XXXX XXXX, XXXX. ( Debt Collector ) ( XXXX XXXX XXXX XXXX, Georgia XXXX ) notifying I owed had a balance of {$2300.00} from previous apartment complex I lived in The XXXX XXXX. I have tried to contacting the the company un multiple occasions and have not been able to talk to anyone. I did have a lease at this apt complex which ended in XX/XX/2016. At the time I gave my 30 day notice turned in my keys and processed all the paper work necessary with them as you do when you move out. I did not not have a reminder balance, owed any rent money or bills to apartment complex. I was also never notified or was reached by apartment complex after moving that there was something I owe. After receiving this letter from the tax collector I Contacted the apt complex office and they said they had nothing on file saying I owed any type type of money to them. They mention they did have a change in administration and staff so they couldn't really help me out. At this point I dont know what to do, I do not owe this amount of money, Im not sure if this is some type of fraud or what actions I should take, I also would not want this affect my credit score.
Consumer complaint received 2021-05-03
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. (MA)

Good Evening XXXX Mgr ; Transunion/XXXX and Cfpb ; Listen, Im shocked and perplexed today when I reviewed my credit report and still noticed that your company continues to report erroneous, misleading, incomplete information on my name for this XXXX account # XXXX Acct # XXXX. I downloaded the FCRA guide/law from FTC website several months and learned so much about consumer law. Its my basic understanding that if youre going to report information on my consumer credit report, you must ensure that youre reporting them 100 % accurate, timely and verifiable according to the provisions of FCRA. Well, this account is unverified and there is no way that you can continue it report on my credit and say that its verified. I also noticed that XXXX removed it due to violation. Its reporting with multiple inaccuracies and inconsistencies. For example, there are different and questionable dates of last verified, last reported, last payment, dates of last active, and questionable dates of 1st delinquency. Each credit bureaus are reporting this in error, plus I already paid this account and I was told that in 30 days it would be removed from my credit report. Why only XXXX removed it from my credit report? Why are there 30/60/90 CO status payment status after the account has been closed. This account is in violation of fcra and its unverifiable.
Consumer complaint received 2023-01-09
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. (WY)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, other items still need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get deleted 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
Consumer complaint received 2018-07-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (VA)

I have submitted numerous complaints about ocwen and the ridiculous interest rate that I am paying. 12.4 percent is the amount i am paying. i am paying XXXX a month on time every month XXXX dollars go to my mortgage and XXXX goes to ocwen this is crazy. I have asked to have my interest rate to be reduced as I have been paying my mortgage on time. I am just giving my money away to this company each month. I do not understand how this is not considered illegal thru CFPB and why this is not being investigated. I do not understand what guidelines are given to these companies to charge such outrages rates.THIS NEEDS TO BE INVESTIGATED I WILL CONTINUE TO FILE A COMPLAINT UNTIL SOMETHING IS DONE. COMPANY IS NOT WILLING TO WORK WITH CONSUMERS
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (ND)

I have noticed on my Experian report that Experian reports my XXXX XXXX to be over {$66000.00}. 

I only have two loans both with XXXX XXXX. Those loans as of XX/XX/22 have a total of {$22000.00}. 

This incorrect information is hindering my ability to secure any further loans with XXXX XXXX, which is my primary financial institution. 

I have contacted and spoken to two reps at Experian, who very quickly noticed and acknowledged the incorrect information. The last rep I spoke to indicated that a Supervisor would have to look into this and then would call me. That was months ago and I still have not been contacted. Experian, has also made it more difficult to get a hold of rep on the phone to discuss the mattter. 

This issue needs to be resolved as quick as possible or legal action will be considered.
Consumer complaint received 2022-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX states I have an account which is showing on my Experian credit report as two different collections. I sent a letter of verification to credit collection services and they sent me a letter back unable to verify that the debt is mine. I sent that same letter to Experian credit bureau and the account is still on my credit report after disputing three times. Experian says their dispute results are verified when they can not be because the credit collection company can not verify this information. I have received correspondence from XXXX XXXX that I am a victim of identity theft and completed the necessary steps on their website with no response. I would like this account to be removed immediately.
Consumer complaint received 2022-04-26
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

On the morning of XX/XX/2020, I was contacted by one of Rocket Mortgage 's telemarketers. I had requested many times to be removed from their list, but the calls continued. I consider this a privacy violation. 

This telemarketer said he wanted to give me a free mortgage review. I told him I was not interested because I did not want any credit inquiries. He said it was a soft inquiry and would have very little impact. I agreed. Then he pulled both me and my husbands credit. I did not give permission for him to pull my husbands credit. I consider this identity fraud and a violation of privacy. 

Then he informed that since I have a home in deferral with another lender he would not be able to help me with a refinance until the payments on that home where caught up.???!!! Who said anything about refinance?!?!? This was supposed to me a mortgage review. He was trying to trick me into refinancing. Trickery is predatory lending. 

Finally, per the CARES act, a mortgage deferral can not affect my credit but in this case it prevented me from even having a mortgage review, let alone a refinance. 

Last week I began the refinance process with Rocket Mortgage. I told them I had XXXX XXXX  XXXX that is continued on a yearly basis so long as I'm living. The banker said this was not a problem. I used this same income when I originally took out the mortgage. I additionally told her I did not want my credit checked if I wasn't eligible to refinance. I went to great lengths to have a spotless credit report. Which it was. When she pulled my score it was over 800. 

Once I had uploaded all but one document, I asked a question about the cost of the loan. I had been told closing would only be {$6800.00} but they were adding $ XXXX to my loan principle. Then I asked them to put things on hold. This was on Thursday because I was going away for the weekend. 

Today, three days late, Monday morning, I find out they had cancelled my application and had to start all over. But this time they said my XXXX XXXX  XXXX income was no good and am no longer qualified to refinance. So I wasted a week of my time and got my credit pulled for nothing. 

That is the second time Rocket Mortgage pulled my credit in a predatory manor.
Consumer complaint received 2019-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (GA)

The problem is with Synchrony Bank. I have a few cards with them. The latest episode is the Belks card that should have {$2100.00} limit. I received a text saying that the balance on my card has exceeded {$450.00} out of the blue. I am assuming they went in and decreased my credit limit to {$1500.00}. This is causing a problem with interest rates and higher monthly payments. Synchrony bank is messing up my credit. They went in and closed another card out of the blue when I was making payments on time. The harassing alerts need to stop and they also keep pulling my credit score. I  have no idea why they are doing this because I am not asking for any credit limit increase or applying for a new card. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN # XXXX Acct # XXXX