davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Home Point Financial Corporation (GA)

My mortgage lender Homepoint Financial incorrectly reported in XX/XX/2020 a late payment on my credit report. I have put in many dispute request and provided ample evidence to support this inaccurate reporting to the credit bureaus. Each time I put in a dispute, I rarely receive an outcome nor have I been contacted by a representative from Homepoint. I have placed multiple calls to Homepoint over the previous 6 months and each time I am either told I need to provide additional documentation in which has already been provided previously or told I will receive follow up in which never occurs. I have bank letters hand written and signed by my bank manager showing there were funds in my account at the time of the withdrawal in XX/XX/2020. Furthermore I have never had any negative reporting on my credit and always maintained a high credit score over 800. I have never been late paying Homepoint in my years having a mortgage through this company. This has drastically negatively impacted both my husband and I credit report and score. I am exhausted with this process and not sure who else to turn too regarding this matter. Thank you for your time and understanding. 
XXXX XXXX XXXX
Consumer complaint received 2017-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (KS)

Navient is servicing the loan and they are telling me the only way I can have my over payment applied to the principal is to call them or contact them every month to provide special instructions on each individual payment. Every payment from here on out will be an over payment. This is unacceptable because I should n't have to spend an hour every month just to have them apply my payment correctly.
Consumer complaint received 2022-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

Not only did AES attempt to collect while there was a federal forbearance in place, they only offered forbearance as a last resort. However, after i took the forbearance, the forbearance counted against my personal forbearance allotment NOT the federal forbearance the gov't put in place. After that they started reporting my loan 90 days delinquent in XXXX which is less than 30 days after the federal forbearance was extended to XXXX!.
Consumer complaint received 2021-02-09
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 Systems,Inc. (NY)

On XX/XX/XXXX I filed and submitted a FTC report to XXXX  Credit Reporting Agency ( via certified mail - they received notice on the XX/XX/XXXX ) regarding creditor : National Credit Systems that appears on my credit report in which there's a balance of {$5800.00}. They have failed to adhere to the Fair Credit Report Act. By not removing this creditor. The initial dispute regarding this creditor began in XXXX of XXXX. This is my second complaint even with the CPFB. Please Help. This has been completely Unfair to me and my family. 

P.S I have intention on filing legal proceedings against XXXX  and National Credit Systems, pending the outcome of this complaint.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Again XXXX XXXX removed the bankruptcy dismissed from my public record. The company where XXXX, XXXX, and Transunion picks up matter like this to report resolved this matter in XXXX. So if XXXX XXXX rep realized it and removed it from my public records. What is the actual problem? XXXX  removed it yet and still I have showed proof to XXXX  and Transunion and still going through this after getting a letter from Transunion that it was deleted.
Consumer complaint received 2017-12-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC (CA)

I am complaining about Rise Credit. During the aplication process they leave the consumer in the dark. I was not in any way aware of the cost of fees and intrest I would be paying. I would of never consolidated my credit cards. Thier intrest is 198 % charging me XXXX dollars a day for a XXXX loan. I have made 2 payments of XXXX my loan amount has gone up XXXX in 2 weeks, even with the 2 payments. There is no way out of this loan. It is robbery. It is taking advantage of people in need of finances under extreme stress and despiration. This company needs to be shut down. My mother was able to loan me the money to get out from this. If I didnt have her help I would of ended up paying XXXX by the end of the loan. This should be illegle to charge that much intrest to the consumer. Rise needs to be put out of busniess.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : UNKNOWN : Account XXXX Account Name : XXXX XXXXXXXX : Account XXXX Account Name : XXXX : Account XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

Have asked Equifax to unfreeze account in previous complaint, CFBP XXXX, and explain why it is frozen and who froze it in the first place. Tried to access credit report today XX/XX/21 and found the account is still frozen. Need your help. 

Thanks.
Consumer complaint received 2021-02-09
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: Capital Accounts, LLC (NY)

On XX/XX/XXXX I filed and submitted a FTC report to XXXX Credit Reporting Agency regarding creditor : XXXX XXXX XXXX XXXX that appeared on my credit report. They have failed to adhere to the Fair Credit Report Act. By not removing this creditor. The initial dispute regarding this creditor began in XXXX of XXXX. This is my second complaint even with the CPFB. Please Help. This has been completely Unfair to me and my family. 

P.S I have intention on filing legal proceedings against XXXX  and XXXX XXXXXXXX XXXX XXXX.
Consumer complaint received 2017-12-07
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (TX)

XXXX XX/XX/XXXX, I contacted Loan Depot ( XXXX ) regarding my desire to refinance my current mortgage, which I obtained in XX/XX/XXXX. I spoke to XXXX ( their rep ) and told him that I live in Texas  and that my current mortgage is in my name only and I wanted to do the same again. I got married after I opened my current mortgage but because my wife 's credit was not too good, I want to do this loan in my name only. Shortly thereafter, I was told by Loan Depot to get my home appraised & to get a termite inspection. On XX/XX/XXXX, was home was appraised and I paid him {$470.00} out of my pocket & was told the cost of the appraisal would be reflected in the loan when I close. The termite inspection was {$65.00}. Today, XX/XX/XXXX, I was told ( by XXXX ) that because was income ratio was not good enough to qualify for the loan, I would need to pay off my step-daughter 's car loan, and I AM NOT even signed on that loan. XXXX indicated that because this was a federal or VA loan, they must consider my wife 's debts because Texas is a community property state. They ( the VA ) consider her debts against my expenses, but not her income. I should have been told this on XX/XX/XXXX, when I initially requested the loan because I told XXXX of my desires then. If I was told this when I applied, I would have cancelled the loan request & never paid for a home appraisal, or the termite inspection.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6800.00}
Consumer complaint received 2017-12-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BANKERS HEALTHCARE GROUP LLC (TX)

I applied for and received an unsecured personal loan from Bankers Healthcare Group for a very high interest rate. 17.99 % for 96 months. Bankers Healthcare Group sold my loan for the principal plus future interest to another bank, at 6 % interest rate for 96 months. The monthly payment remained the same, but the principal due was higher by almost 70,000, and they claimed that the loan was now secured by my practice assets. I did not receive the additional principal. Bankers Healthcare Group profited that from the sale of the loan.
Consumer complaint received 2017-12-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (LA)

I 've been going back and forward with this company about this debt not belonging to me. They have started to contact me by phone, attempting to collect a debt not owed. After speaking with an attorney, I decided to see if this company is licensed to collect debt in Louisiana, but it turns out that this company 's status is " inactive '' in Louisiana. Louisiana requires a license to collect debt. Therefore, they should n't be attempting to collect a debt from me. This company is harassing me about a debt that I do not owe them. I ask that this company do not contact me anymore and REMOVE themselves from my credit reports. If this company can not provide me their license to collect debt in Louisiana or an agreement with my signature stating that I agreed to pay them and not another company then they should REMOVE this debt immediately.
Consumer complaint received 2017-12-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

This company failed to send me documents validating that i owe this debt. They informed me that they will be placing this on my credit report and damage my credit history. The company didnt give me proper notification to handle the debt. I get constant calls in which the phone hangs up when i pick up and say hello. I have sinced blocked the call because i was disciplined at my XXXX unit because they called during formation. I also checked my local secretary of state to see if this Company has a business license authorizating them to conduct business in the state of California and they dont. This company was hired by a slum management company to complete their dirty work.
Consumer complaint received 2015-10-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have had NUMEROUS complaints and ISSUES with Bank of America. In 2005 when we got hit with XXXX XXXX and I lost my XXXX income, I was told they had a hurricane relief program where I did not have to make a payment for 3 months. I called and applied, they told me no problem, after 3 months start making payments again. They told me I did not need to sign anything. After 3 months I receive a notice that I was in foreclosure. WHAT? I freaked out, called and they told me I had to make all my payments immediately or they would foreclose. I emptied my bank account and paid them. 
Then 5 years ago after the real estate market crashed I had a hard time making payments. I was 3 months behind but finally had the # to pay in full. They would not accept my payment, telling me I was in foreclosure. I had never been served. I was NOT in foreclosure. They would not take my $ and told me to call their attorney, XXXX XXXX. It took a month to get ahold of them, I called, faxed, emailed sent certified letter and US mail. Finally they called me back and told me to bring them a {$10000.00}. cashiers check and they had me sign a Stipulation Agreement to make 1 year payments and everything would be fine. I signed it and they notarized it and I thought everything was ok. Well, Bank of America apparently did not know what their attorney was doing and again they denied my #. They returned my payments and told me I was in foreclosure. I was freaking out. B of A said they never received the $ XXXX. I paid for a mediator to straighten this out and B of A told them they never got the {$10000.00}. that I gave the attorney several months earlier. Fast forward 3 years, I have been dealing with B of A to get a loan mod. It has been EXHAUSTING and time consuming. They keep switching account representatives, I keep being told one thing and they do another. Recently I completed my XXXX TRIAL Loan Modification where my payments would be based on 30 year mortgage @ 2 %. I bought the condo in XXXXXXXX5.87 %. So I made the payments based on that new payment structure. So imagine the SHOCK when I get the paperwork to sign for the NEW LOAN and it tells me I will have a 38 year mortgage at 4.87 %. I never would have made those payments if I knew that was the case. I am underwater here and they are NOT helping me, they are hurting me! I agreed anyway because I feel like I have no choice. I made the new payment for this month, after I had notarized the new loan and returned to them. And NOW I just received another NEW LOAN AGREEMENT for a different rate and they are telling me I do n't have to make payments til next year! I am SO confused. I called them right away and they ca n't explain it to me. They said they will have to call me back. I strongly believe they used the old " switch and bait '' on me. I need someone to look in to this for me and help me out. I am drowning here & they are XXXX me. Over and over, and over. It must be illegal.
Consumer complaint received 2016-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

One of my accounts with Sallie Mae, before it was sold has been incorrect information. I have repeatedly tried to get them to correct this issue. 

It shows me as not having paid, when I was supposed to be under forbearance. It looks like they applied it to one of my loans, but it was supposed to be for both. 

At the time I was unemployed and trying to straighten this out with them. Every person I talked to told me something different. Since they were becoming navient ... they seemed to stop being reachable and no one cared to help correct the problem. I tried multiple times to contact them. Once I thought things were ok, I 'd call and get different information from someone else.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or a prompt amendment of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (GA)

XXXX XXXX is reporting incorrect information to XXXX ; XXXX and XXXX a charge-off for partial account number XXXX and partial account number XXXX. I previously put down deposits to cover these balances. My credit report needs to be corrected to report a {$0.00} balance and {$0.00} past due on these two accounts. ( Please see pages 2 and 3 of the attached credit report. ) This incorrect reporting on my credit report is harming my credit score.
Consumer complaint received 2017-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: APPLE FINANCIAL HOLDINGS, INC. (CA)

I have had my credit card with XXXX XXXX bank for several years. I received an email tell me the sent me a new card. I received another email saying they sent me a new card and my current card will be deactivated. I needed to activate my new card. I never received a new card, so I called them. When I spoke to them they said they will send me out a new card. I got an email now saying my bill was due. I went online to pay it. It said my balance was zero. I got another email that said my bill was late and I would pay a late fee, so I called them again. They said I was charged {$30.00} for a new card, {$27.00} for late fee and {$5.00} for maintainer. They said I had to write a letter and fax it to dispute the charges. I did that. They emailed me back and said they would credit me the {$30.00} and {$27.00}, but I had to pay the other late fees first. I started to them they changed my account number and I would not be able to pay it without the account number. They said pay it to the old account number. I then questioned the amount I needed to pay. They said Past Due {$35.00} XXXX / Remaining Amount Due {$35.00} XXXX Total by XXXX {$70.00}. Im waiving {$27.00} Late Fee and make sure Amount. Due is paid {$0.00} after your {$70.00} total pay.
Consumer complaint received 2017-12-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: ASSOCIATED BANC-CORP (IL)

The issue relates to the complaint : XXXX I tried to log in into my online account today and the message I received that the account has been disabled for a security reasons. When I spent over 25 minutes getting the account unlocked including one time when the CSR 's informed me that the account has been unlocked. Unfortunately the explanation given was that it was " other security dept '' that overrode CSR decision therefore my online account access is still disabled. I have logged in numerous times before with the same ID and password and never had the issue such as this and it appears that account freezing is a retaliatory measure for filing a complaint with the CFPB. 
Questions : Why my online access was flagged to be disabled even when I entered a proper ID and password? 
Why the CSR has told me that the account was unlocked where in fact it was n't ( I did receive two email  messages confirming account lock out? 
What does it say for the culture at the bank that allows this type of retaliatory measure against a banking customer? 
When is my account going to be available for online banking? 

Thank you, XXXX XXXX
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

On XX/XX/2022 a transaction occurred for {$140.00} and after contacting Chime multiple times in regards to an unauthorized transaction to an unknown individual. Chime closed the claim the within 24 hours without explanation or returning the money and refuse to resolve the issue after multiple attempts on contacting them. I live off a fixed income and every little bit counts. Please help resolve this issue.
Consumer complaint received 2021-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

15 U.S. Code 1692g if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.