davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc. (CA)

XX/XX/2021 I noticed I had been charged twice by SST so I called. While on the phone I was told I was being charged for a missed payment, but Im the past missed payments were tacked on to the end of my loan. I originally signed for this loan with XXXX XXXX XXXX and sometime last year I was notified SST took over. Now my payment arrangement with XXXX was twice a month and I had been doing that for a couple years now and today Im being told by an SST employee I have late fees and I need to change my due date. I have an issue because they have been harassing me by calling all hours of the day every day without leaving a voicemail in regards to the nature of their call. So I asked while I had someone on the phone why they do that and his response was we dont always leave messages, I explained to him how I felt I was being harassed because I have no clue who these individuals claim to be no correspondence and Im being charged late fees and my account is being charged twice in one day. I dont have the means to have my money taken from me thats why my payment was split which was an agreed upon method with my original creditor. What can be done about this matter?
Consumer complaint received 2020-07-21
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. (WY)

XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes so the bureaus will investigate my complaint. ) I have attached a copy of the cashed check dated XX/XX/XXXX to show payment was made timely. This false reporting of a late is seriously harming my credit score and this late needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (NJ)

American Express reported late payments to the three reporting credit agencies on my account. Before they made the report, I called to negotiate with American Express that I was going through financial hardship due to a XXXX XXXX I had back in XX/XX/XXXX and a Motor Vehicle Accident I had in XXXX of XXXX. After my XXXX  XXXX, I was out of work for almost two years and didn't file for unemployment because back then I was unfamiliar with the unemployment 's system. In addition, the car accident in XXXX of XXXX, which led to me being unemployed cause I needed time to recover couldn't allow me to pay any credit card nor medical bills. The dates reported are as follows : American Express XX/XX/XXXX 60 days late All 3 report Agencies XX/XX/XXXX 30 days late All 3 report Agencies
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX  is reporting wrong address for me, which is fraud and identity theft. I never lived at XXXX XXXX XXXX XXXX XXXX XXXX California XXXX, I never lived at XXXX XXXX XXXX # XXXX XXXX California XXXX
Consumer complaint received 2017-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

On X/X/17 a Federal Benefit Credit ( Social Security ) for {$41000.00}, was deposited to my checking account at USBank. I went to the bank that day and spoke to XXXX XXXX who told me i would have to wait until XXXX to make sure it cleared? I didnt argue but I went back on XXXX to withdraw the full amount. XXXX XXXX told me he could only give me {$15000.00}, cash and would " order '' the rest and it would be Thursday XXXX before I could get my XXXX I made him give me a Cashiers Check for {$24000.00}, as I didnt want to leave the $ sitting in my account. I need the money now! I called him the morning of XXXX and asked him to contact the other 4 branches of USBank and get me the rest of my . He got nasty and said " I told you I wont have your $ until XXXX ''. I told him that was unacceptable and I need my $ now. We had words and he hung up on me! I called another branch and got the name of the " District Manager '' XXXX XXXX. I called him 3 times and left messages on voicemail XXXX. He still hasnt called me! This morning I called him and left message that I was filing a complaint with Consumer Finance.gov. Bottom line is they wont give me my funds. There is no excuse! PLEASE HELP ME! XXXX XXXX
Consumer complaint received 2018-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX I went to Transunion through this site to receive a free yearly credit report. Transunion stated for " verification '' I had to supply a credit card number. It then told me to click to get my free credit report. I was then charged {$19.00} for a subscription that I did not agree or want to sign up for. I want a refund and to cancel the service. Transunion would not even let me see my free credit report without first inputting a credit card. I did not even receive an email confirming this payment.
Consumer complaint received 2018-07-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Requested validation of public record from furnisher of information regarding bankruptcy from XX/XX/2014. The furnisher is the XXXX District Federal Court, XXXX Division not XXXX XXXX a third party source. Nor did they provide who they verified with, the address and phone number not courthouse along with documentation used to verify. I have contacted the court clerk and confirmed they do not report or furnish records to the credit bureaus.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NC)

We set up payment for interest payment only for one loan and paid over every month. The extra money paid to the loan was not applied to the principal, it was applied to the monthly payment. We also called to get the two loans consolidated so that the payment would be lower. They said that we could not do that. I also asked about reducing the payments and they also said that they could not do that either.
Consumer complaint received 2015-07-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (TX)

I have been attempting to apply to get my mortgage loan modified for over a year. Every time they want more and more paperwork and allow existing paperwork to expire. I do not feel that they are attempting to work with me to keep my house. I have become XXXX and I am trying to get my loan to a payment I can afford but it feels like the company is fighting against me putting road blocks up.
Consumer complaint received 2017-06-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

XXXX   XXXX   XXXX   /Ocwen (   XXXX   XXXX   XXXX   XXXX   XXXX   ) an nounced back in   XX/XX/XXXX /  XX/XX/XXXX  that  my house would be getting foreclosed and I had to leave premises. There was an auction on my front lawn. I was told after to leave and I did. Later I received a  XXXX  validating the foreclosure and  seizure of   said home. Also calls directly from ban k I no l onger owned home. I then started receiving calls from police and neighbors of drug activity and other criminal activity at house. as well as calls from board of health. I kindly stated I no longer owned house. this went on for over a year. finally I was notified a   XXXX   XXXX     XXXX  offender was squatting at the home and I could be held liable. Then I went to registry and noticed something wrong with deed. Only to find out there was an " illegal foreclosure ''. The registry was ambiguous at best with fake and faulty assignments. the bank without notifying me unforeclosed, when they realized they did the foreclosure illegally. but by this time I had already moved. TO THE POINT A   XXXX   XXXX   REGISTERED AS LIVING THERE! I removed   XXXX   XXXX   and secured the house through out the years spending a great deal of monies. The bank started sending me bills as if there was never a foreclosure and I lived there the whole time. I tried to explain how unfair it was to have me vacate, tell me I do n't own it, send me tax certs saying I do not own it. I was only a few months behind originally when it was foreclosed. then years later. say I own it. and now I owe all the money plus fees etc. I tried to explain how this makes no sense. if you took  it ( foreclosed ) legal ly and I was only 3 months late. How can you tell me years later, Oh we made a mistake and you owe all mortgages since the beginning? So the original bank, was   XXXX   XXXX   XXXX   contacting me and now ocwen.
Consumer complaint received 2017-06-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Credit Corporation (WV)

Tried to contact me numerous times. Over the phone in which I have asked to verify the original creditor had updated the amount owed to show correct amount, I had also asked for a written confirmation letter of amount owed so i could pay. Which as of  XXXX  they said they had finally sent but I have not received. When I said I need this I was told they are going to contact  XXXX   county s aying i refuse to pay which was incorrect. I am trying to get confirmation on amount owed with their fee. They have been abusive with harassing calls.
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (TN)

On XX/XX/XXXX, I attempted to purchase a new cell phone on line. The transaction was denied and my credit card was blocked. I spoke to Synchrony Bank, who issued the credit card, at least 2 times, on the XXXX and the XXXX. First, they could not tell me why they blocked the transaction, only that it " appeared fraudulent ''. Second, i had purchased two items in XX/XX/XXXX, both of which were substantially more money than the phone, and neither of those transactions were denied, nor was my account blocked. I suspect that this transaction was denied and my credit card blocked BECAUSE the transaction was for a cell phone, and not because there was anything suspicious about the transaction. I have monthly automatic payments going to this credit card, including some medical, which are now in jeopardy. Synchrony told me I had two options -- 1. To reply to a text message
where I would have to send ( over an unsecured cell phone ) a front facing video of my face, a photo of the front and back of my driver 's license, and a moving video of my face ( there were 4 steps to this text message ). OR 2. wait 7 - 10 days for a letter to be mailed to me that I could reply to. When you use step 1., you give
Synchrony automatic approval to collect biometric identifiers about yourself. This is also not acceptable to me.

I do not want a photo of myself or my driver 's license on the internet. That would seem to encourage identity theft, not discourage it.

A manager spoke to me and asked me for my email account. I gave it to her, and she said that account was listed in someone else 's name. Well, that is strange, because when I pay my credit card bill, I get emails from Synchrony to the email address that I gave the manager. The manager also told me that she could not get into my credit card account because it was blocked. Why is that? If Synchrony blocked the account, why couldn't a Synchrony manager get into the account. I asked that she transfer me to someone at a higher rank than she was, but she would not do so. She kept saying that I would have to use one of the 2 options above. I did try responding to the text message though. But my cell phone
was so old, it would not respond to the 4th step requesting the moving video of my face, etc. So I could not comply with this. I had the Synchrony manager on the phone with me when I tried to respond to the text message.

Neither of these options is acceptable to me. I pay my account in full every month and expect better service than this.
Consumer complaint received 2018-06-30
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. (NY)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. XXXX County Police Report # XXXX.
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

I am refinancing my home with Chase/JP Morgan Bank. I am working with agent XXXX XXXX & his supervisor XXXX XXXX XXXX. On XX/XX/21 I transferred money from my savings account to my checking account to cover a {$500.00} fee for this service. BUT instead of XXXX XXXX taking the money from my checking account, he placed an unauthorized charge on my Chase XXXX credit card. I did NOT/NEVER authorized this charge! I Called Chase customer support & the customer support person will NOT allow me to dispute the charge because she ( XXXX ) claims charge is for " services rendered '' I did explain to her that I never gave authorization for my card to be used for this payment & therefore I should be able to dispute charge. She suggested I call the checking department, which I did & I spoke to that representative, XXXX, & he stated he sees where I transferred money of {$500.00} on XX/XX/21 from my saving to my checking BUT XXXX XXXX did NOT withdraw the {$500.00} for the refinancing fee. As stated Mr. XXXX charged my Chase XXXX credit card!!! Which is an unauthorized transaction & NOW Chase will NOT allow me to dispute this charge. I have sent an email to both Mr. XXXX & his supervisor Mr. XXXX explaining I want them to rectify this issue & that I will report this matter to your agency & I may see if I can file a police report for unauthorized use of my credit card.
Consumer complaint received 2017-06-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

My student loans were previously held by  XXXX   XXXX , which were eventually sold to  Navient.  I 've always paid online and up until recently I was able to make an extra payment on my loans that was applied THAT MONTH to the outstanding loan principle of my choosing. This was a valuable tool that allowed me to pay off my student loans quicker.  <P/>  Navient  has now suddenly, and without notice,  disabled  this feature from their website. After making repeated calls to find out how to continue with this repayment strategy I was informed this is no longer an option and that a borrower can only make an advance payment on the following month that is due.  <P/> This is a debt trap that ensures borrowers will be paying loans longer they need or want to. There is no listed consumer affairs contact information to register a complaint with, so I am doing it here.  <P/> This debt repayment strategy is key to getting out of debt quicker and to save money over the life of the loan. This deliberate attempt to thwart borrowers from quickly paying of their loans is a shady business practice designed to line the pockets of this company.  <P/> It is my hope that enough complaints will be filed here to force the company to reinstate this option on their website.
Consumer complaint received 2017-08-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harvard Collections, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX ( XXXX ) XXXX The Company listed above reported to all 3 credit bureaus a derogatory mark on XXXX XXXX, 2017 about a medical debt that has been in dispute for 4 years. This Company never contacted about this debt either by phone or mail.
Consumer complaint received 2020-01-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

In XX/XX/XXXX, I moved back into the home at XXXX XXXX XXXX XXXX, Tx due to my ex-wife abandoning the house and letting it go into foreclosure. She had taken sole custody of the home in our divorce in XXXX. Upon moving in, I paid all the leins and began working with XXXX XXXX to modify the mortgage into my name only. I completed all the necessary paperwork to include filing a Quit Claim Deed with XXXX County signed and notarized by myself and my ex-wife giving me the house. During this time, XXXX XXXX transfered my file back to Freedom Mortgage, who was the original loan company. Because of the transfer, I had to completely begin the modification process over, which I did and submitted all the paperwork to Freedom Mortgage. Freedom sent my mortgage paperwork with my name only and I signed and sent it back as instructed. Fast forward 3 1/2 years and I look into selling my home and I find out the modification was never completed and they do not even have copies of the paperwork I submitted to them. I find out my ex-wifes name is still on the house. This has caused huge problems for me and my family. I completed everything I was instructed to complete, twice and it is still not taken care of. Every since I moved into the house in XX/XX/XXXX, I have not missed a single payment by a single day. Now I find out that my credit have multiple 180+ delinquent payments listed from XXXX from Freedom mortgage, which has cause my credit rating to go down. I have attempted contact with Freedom Mortgage several times and I can not get anyone to even call me back. I plan on selling this home and building a new home but I cant until this is cleaned up.
Consumer complaint received 2017-08-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Lendmark Financial Services (KY)

This company is reporting a title loan to my credit report. This was my ex husbands car and loan and it is named as his in our divorce decree. Yet this company continues to report this to the 3 credit bureaus as if I owe this debt.
Consumer complaint received 2015-09-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

My client, XXXX XXXX took a refinanced mortgage from Bank of America in XX/XX/XXXX as part of his loan product ; he was offered an option of " The Bank of America XXXX XXXX Protection Plan '' which was essentially a life and XXXX insurance program offered by the bank for all borrowers. Initially the local bank attempted to pressure him into not purchasing the plan. He purchased it for a ten year term. In XX/XX/XXXX, Bank of America told him that it would be cancelling the his contract. After he vigorously protested, Bank of America reinstated him through XX/XX/XXXX for the full ten year term. XX/XX/XXXX, the Bank indicated that it was discontinuing the program. It stopped accepting payments after XX/XX/XXXX. 
While the contract had language allowing the bank to cancel without reason upon sixty days notice XXXX XXXX relied on the ten year period covered by the term of the insurance. He is now in his XXXX and is unable to purchase XXXX and life insurance at comparable prices ; he specifically entered into the contract to protect his teenage daughter, in the event of his death or XXXX. Based on Bank of America 's past actions of steering him away from the benefit and attempting to cancel it without cause in XX/XX/XXXX, I can draw no other conclusion that Bank of America acted in bad faith. This also appears to be a classic bait and switch tactic, where the bank offers a promotion to sell a product and once the protect is purchased, it withdraws the promotion.