davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

My XXXX XXXX is a paid charge-off account. In the state where I live ( Virginia ), the statute of limitations for paid charge-off accounts is 5 years if they can produce my signature on a written contract ; otherwise it is 3 years. That 's in Code of Virginia XXXX ( XXXX ) and ( XXXX ). As the first delinquency occurred on or before XXXX, Equifax will be reporting this derogatory information in violation of the law if it persists in reporting this account in XX/XX/XXXX. I am concerned with this because XXXX XXXX is still reporting this item as a charge off when it was paid with zero balance and should either be deleted or listed as closed or paid in full. This is affecting my good credit record and continues to affect my credit rating. Any assistance in this matter would be greatly appreciated.
Consumer complaint received 2016-08-17
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Green Trust Cash, LLC (WY)

Applied for a payday loan on the internet for {$350.00} ; they attempted to charge me 741.92 % interest making my total payments {$1200.00} ; upon research I have found that Green Trust Cash, LLC is not licensed to do business in Indiana. I had paid back {$350.00} by auto draft before I closed the account, and sent them a cease and desist letter.
Consumer complaint received 2017-02-22
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BB&T CORPORATION (IL)

THE ECONOMIC TURN DOWN DROPPED OUR PROPERTYS VALUE BY OVER XXXX %. WE ARE UPSIDE DOWN. OUR LOAN WAS BOOK AT XXXX % AS A XXXX DUE TO OUR FINANCIAL STRENGTH. WE HAVE NEVER PAID ANYONE LATE, NEVER. BB & T HAS BEEN CONTACTED SEVERAL TIMES ASKING FOR A LOAN MODIFICATION. WE DO NOT QUALIFY AS WE PAY ON TIME. BB & T WAS ASKED WHAT PROGRAM THEY HAD TO HELP PEOPLE IN OUR POSITION XXXX YEARS AGO. WE WERE TOLD SOMETHING WAS IN THE WORKS BUT NO PROGRAM HAS BEEN ANNOUNCED. A SECOND MORTGAGE COMPLICATES THE ISSUE AS XXXX WILL ONLY SUBORDINATE IF THE NUMBERS WORK AND OURS DO NOT.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TX)

My loan is through Navient. Coming out of college ( XXXX ) they wanted {$1200.00} a month, which was impossible. They offered me a reduced payment plan which turned out to be an interest only payment which caused my loans to go up instead of down. Which does n't make any sense because if I was paying interest why was the loan going up? They now require {$1400.00} a month and offer no help except interest only payments again ... which will only continue to put me into more debt for a longer amount of time and pay them more than XXXX of my lifetime earnings. I have already paid them almost {$86000.00}. At this rate it will take XXXX years to pay the debt and they will receive about {$460000.00} for what was originally {$160000.00}. The company has also told me I have defaulted on these loans. An untrue statement and I have printed all my bank acct statements to show a payment each and every month since loan payments were due. 
They have also continued to raise the interest on my loans. XXXX of these loans is 10 %! How is this student help? They were dishonest in offering repayment plans that are no help to me and also in information they have given me about my loan and payments.
Consumer complaint received 2015-12-16
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (OR)

I check my credit report regularly, and I noticed today that in XXXX, 2015, Paypal Credit performed a hard inquiry which I did not authorize. I already have such an account and neither my wife or I applied for another. In contacting them, they only have record of an application for credit with my SS number, which is incorrect.
Consumer complaint received 2016-01-04
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (AR)

I was making a PayPal transaction, and I noticed an ad for a {$10.00} dollar discount on my purchase if I signed up for PayPal Credit. I started filling out the form, but I saw that the credit would n't be applied until after my credit report was approved, so I cancelled the process. Later I made another PayPal transaction, and it was charged to my new PayPal Credit account without my knowledge. I paid the balance and explicitly changed the default payment method to my bank account, but my next purchase was charged to the credit account without my knowledge. They now tell me I owe over {$90.00} in interest and late fees and interest on a small purchase. I have contacted their customer service department several times, but they have given me nonsensical responses. They continue to call me multiple times a day. I have closed me PayPal Credit account and my regular PayPal account. I 've read that you have fined them last years for just these practices, but they continue. Please help me.
Consumer complaint received 2016-05-08
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK (FL)

My in-laws ( XXXX & XXXX XXXX ) used to live in the house that I live in now. they had a Discover Card for many years. My father in law died 6 years ago and my mother in law 3 years ago. In the past 2 years, we have gotten 6 or 7 credit card solicitations addressed to XXXX XXXX Deceased.I have the latest one here and unopened. I also took pictures of 2 others. I have called every time that I get one and they say that they have fixed the problem but we keep on receiving them. My wife is starting to get upset with the constant reminder that her Mother ( XXXX ) is deceased. Can you help?
Consumer complaint received 2015-10-29
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BB&T CORPORATION (FL)

I had XXXX unathorized charges withdrawn from my chequing account and the bank is stating that they find they to be valid since they occured in the country where I reside and also because I had changed my account type a few weeks back before the date of when the transactions occured. I never received any letter regarding the decision, I had to call to get information regarding the claim. I have also made a request to receive a copy of all supportting documentation that the bank used to determine this and they have stated that they are unable to because it 's in a format that they are unable to send via mail or fax.
Consumer complaint received 2017-04-28
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. (TX)

I have requested via certified mail, a formal dispute of  XXXX   XXXX   XXXX   XXXX  is Illegally reporting on all  XXXX  major bureaus, Experian,  XXXX  and  XXXX . I have requested that the information be removed due to per Texa s SOS debt collection must be Bonded, and although they are not a 3rd party collector, they are indeed trying to collect a debt via the credit bureaus with a " Cancelled Closed File '' per the Texas SOS. I have attached the  search results.
Consumer complaint received 2016-02-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (NY)

While reviewing my XXXX credit report, I noticed an unauthorized and fraudulent inquiries initiated by BB & T Dealer Finance on XXXX XXXX. I did not authorize any employee of BB & T to review my credit report at any time. This action is innclear violation of my FRCA and Privacy Acts. I had requested that BB & T provide me with any documentation to validate this inquiries within 5 business days and they have failed to do so. I am requesting that these adverse information be permanently deleted from my credit profile as they have resulted in my inability to secure an employment or housing and obtain new credit.
Consumer complaint received 2016-07-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (IL)

I have a conventional loan with Nationstar mortgage. I 'm selling my house and need a payoff quote for XX/XX/XXXX. They continue to send me payoff amounts for XX/XX/XXXX insisting they are incapable of calculating the amount for today. They tried to tell me I can calculate the amount myself and send it to them, or send their amount and request a refund. I explained I do n't want to and them {$600.00} extra and wait 4-6 weeks for a refund. They continue to insist their system can not calculate this amount. Totally unacceptable service.
Consumer complaint received 2016-12-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (AL)

I got a loan in 2008 and I am still paying. I will never get this paid off. It was financed for 7 years and at the end of that I was told I still owed money. I have been paying on this car for 9 years!!!
Consumer complaint received 2016-05-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

The Dispute Number XXXX is for an Equifax case file. 
I have a bankruptcy, XXXX tax liens and a judgment listed on my Equifax credit file as a result of a business closing in 2009. My XXXX file also lists the bankruptcy and XXXX tax liens. None of the issues are on my XXXX file. The issue is that my former employers business debts, and taxes were added to my personal credit file after the business closed in 2009. I have tried unsuccessfully since 2009 to have the errors corrected. The XXXX ( California Tax department ) and original judgment creator ( XXXX XXXX XXXX ) have tried numerous times to reverse the errors on my behalf. I have contacted Equifax and XXXX by phone, fax and mail, sent copies of my bankruptcy filing, and released tax liens, and the only responses from the bureaus was that the information was verified that it belonged to me. I can not dispute that the information belongs to me as it is associated with my social security number, even though the company that I worked for was a California Corporation. My dispute is that the debts were attached to me personally in error, forcing me to file bankruptcy.
Consumer complaint received 2016-11-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: CORELOGIC INC (CT)

hello I am a XXXX veteran this company ran my report I never gave verbal and or written consent to authorize use and or to run my credit report and this is hurting my credit really bad and need your help removing it. I 've tried to call and talk to these company but never have any luck.
Consumer complaint received 2015-10-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OH)

My exhusband has XXXX tax leins on his credit. Because we were married from XX/XX/XXXX to XX/XX/XXXX ... hisbtax leins show up on my credit report as negative impact. He just paid them off this summer and i have sent all the information to the ihio attourny general office. The lwins hve been released..but still show on my credit report. Is there any way to remove the negative information from my credit because the debt was kot my own debt ... but my exhusband local tax debt? Thank you. XXXX XXXX ph # XXXX XXXX XXXX. Address # XXXX XXXX XXXX. XXXX ohio XXXX
Consumer complaint received 2015-11-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

A collection agency claims that I owe them {$230.00} ( medical bill ) and it 's effecting my equifax score. I 've never received any kind of bill, mail, or emails in regards to me owing money to them. I 'm trying to find out who gave it to the collection agency.
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (PA)

I disputed my inaccurate XXXX item with Equifax. It was inaccurate because the high credit amount was different from the balance. Both have to be the same amount if the past due amount is zero, which it was. Anyone could look at the item and see that it was inaccurate, without information from the furnisher. Equifax made no effort to investigate. Please delete this item.
Consumer complaint received 2015-12-17
Product: Credit card — 
Issue: Transaction issue — 
Company: Colony Brands, Inc. (ID)

I received a " thank you for your order '' e-mail from Swiss Colony company, although I never submitted an order. The customer service person said that the order was on it 's way and there was nothing they could do. They said I could n't return the package, assuming it arrives at my address, since it is perishable food. They said I could not get a refund to my pre-approved credit account. They said that they were not authorized to close my credit line with XXXX, so this person can and probably will order again, using my name and account number and line of Swiss Colony credit, which is over {$2000.00}, although their first 'bogus ' order is {$130.00}, and XXXX. said I am responsible for the bill. I ca n't believe this! It is an outrage. I am the victim here, but cust. service told me I must get a paid, notarized letter explaining/proving that I did not actually place this order. The phone number on this order is not mine, however, they would not give me the phone number of the person so I can figure out who placed this order, citing " privacy '' concerns, of all things. Can you help? XXXX XXXX
Consumer complaint received 2017-01-01
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC. (CA)

About two years ago I used a XXXX credit card to make a XXXX purchase, then went to XXXX for 3 months. The bill arrived by mail. Of course I was not home to make the payment. I paid it as soon as I arrived home, with two months late fees, so my {$35.00} original bill became {$100.00}. This is the problem : XXXX referred the bill to a credit agency, equifax. 
Both Equifax and XXXX say that despite the circumstances and the bill being paid in full with late fees, nothing can be done to remove it. My {$35.00} bill is now a " Serious delinquency '' on all my credit reports FOR 10 YEARS! If you can not intervene, I would hope you can propose a law or procedure that assures that once a bill is paid, it can not remain on a credit report for more than a year. Thank you, XXXX XXXX Please respond
Consumer complaint received 2015-10-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WA)

This is the XXXX hard hit I have received in the last week. XXXX being from some company called XXXX and now this XXXX XXXX which is apparently XXXX. Both of which have done this without any consent on my side. I have no clue who XXXX is and XXXX I have never signed up for their credit always used my bank accounts. When started to dispute the first hit XXXX claimed to have put a fraud alert on my SSN so anyone who requests anything would have to get secondary permission. Well apparently not since this just happened again today.
Consumer complaint received 2015-10-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (VA)

Equifax allowed companies to access my credit report with out my permission. I have sent the unauthorized companies letters that have not been replied to and I have sent equifax certified copy 's of letters to investigate and delete the unauthorized inquiries and it has been over 45 days and still it has not been done. 

I have included a statement of truth to prove I am telling the truth, please delete ALL the unauthorized inquiries from my credit report. please do n't force me to sue I have documented every thing and i will win.
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MD)

I disputed a bankruptcy dismissed on my credit reports ( Equifax, XXXX, XXXX ) starting on XXXX XXXX 2016 and they all have reported it as verified. I provided them with documentation showing that the bankruptcy court does not report to the credit bureaus and requests under the FCRA sec 609 for there validation procedures and FCRA sec 15 as my disputing the validity of the account. Equifax and XXXX are reporting them as valid and XXXX is refusing to reinvestigate stating that unless I provide them with more evidence they are not going to reinvestigate. I have not been provided with any documentation stating that this debt is mine or with my signature I need this removed immediately so that I can refinance my home loan. they have no way of providing proof of this account and just looking up a case ( docket ) number is not validation that this belongs to me, I have signed certified mail receipts from all XXXX credit bureaus and reports stating that they verified this but no proof that this debt is mine. Please help me to get these removed. they also did not mark my account as disputed within the 30 day time frame which is a violation of the law if it is not marked as disputed then they have to remove it. I have talked to all XXXX agencies on the phone and have been hung up on by the out of country reps ( XXXX, XXXX ) and also the American reps in Nevada especially when I ask for an American Supervisor which I feel is very unprofessional. This account is not associated with any of my personal accounts and has no money attached to it, please help me get these removed off of my credit reports. Thanking you in advance for your support. 

XXXX MD XXXX SS # XXXX PH. XXXX
Consumer complaint received 2016-05-26
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HANCOCK WHITNEY BANK (FL)

My lot loan with peoples first was transferred to hancock in XXXX when the FDIC closed peoples. The loan was a XXXX yr balloon that hancock was not willing to extent or refinance. The loans was paid timely until maturity. i was unable to refinance with another lender due to the value of the property and the state of mortgage lending in general. It took hancock over 90 days to settle the loan and they agreed to accept less than the outstanding balance. although i continued making payments, this caused the loan to appear 90 days late due to the balloon feature. 

Below is a partial letter I 've sent to Hancock bank asking them to correct their reporting ... 

Hancock Bank Research Department Fax : XXXX, XXXX pages XXXX XXXX, XXXX To whom it may concern ; Please research and correct the CBR reporting for the lot loan on a property located at XXXX with a loan number XXXX This loan was purged from your active system in XXXX. 
This single lot loan shows on my credit report XXXX separate times, as a mortgage, a home improvement loan, and a trade line of unknown type. It also shows as XXXX separate items with 90 day lates, representing XXXX adverse trade lines. I 'm enclosing my entire credit report dated XXXX/XXXX/XXXX for your review. 
Also attached is an email I sent to XXXX XXXX in XXXX of XXXX documenting my conversations with him. I was assured by him that Hancock would resolve this issue in an expedited manner. 
Lastly, I 've added the Settlement of Debt Notification Letter dated XXXX XXXX, XXXX. 

Please contact me via email at XXXX or cell phone at XXXX as soon as possible. 

RespectfullyXXXX
Consumer complaint received 2017-02-02
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (HI)

Is Quicken Loans a Fiduciary or is their advertising False or Misleading. 

A Quicken Loan advertisement running on many podcasts states, " A company that has your best interests in mind. XXXX Mortgage.. '' I believe the plain meaning of these words that a reasonable person understands is that having " Your best interests in mind '' means Quicken Loans will do what is best and right for you, the customer or borrower. It means Quicken Loans will do what 's right for you, even if not necessarily best for them. They want you to believe they will act in your, the borrower 's best interest ... that is with a Fiduciary interest. This on its face seems false. The lender wants a high interest rate, the borrower wants a low interest rate. If they are not a Fiduciary with " your best interests in mind '', then Quicken loans is misleading. 

This ad was on the XXXX XXXX of XXXX XXXX, 2017 in the first few minutes. 
XXXX. Also I heard it on the XXXX out this cool episode : XXXX. I continue to hear Quicken loan ad including today on the Economist podcast. 

I have called Corporate Offices at Quicken Loans and asked about this ad I have not received a reply. 

I would appreciate appropriate actions to end Quicken Loans apparent false or misleading advertising.
Consumer complaint received 2016-02-23
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Hello my name is XXXX, I am purchasing a home that has a reverse mortgage and is a short sale. The short sale lender is refusing to pay the past due property taxes. After doing some research, I came across a master servicing agreement that states ; its the servicers responsibility to pay the property taxes. So why am I being forced to pay a fee that is the servicer responsibility as per this agreement. They are forcing this additional cost, which may cause me to have to come up with an additional {$4300.00}. Also, since they owned the home prior to me closing, should they not provide me a credit proration on my CD from XX/XX/XXXX till the day of closing, and how would this work if I 'm being force to pay such fee?
Consumer complaint received 2016-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (OR)

When i was in defualt i was called and said if i do the rehabilitation program it would remove all information regarding my past negative student loan information reported to all XXXX credit agencies. The guy on the phone insisted this would happen and siked me all up about it i did default on my loans from nelnet. And now navient purchased my loans. And neither one is claiming anything would be removed only tge status will change to transfer. 

This is really misleading. I was under the assumption this would be removed and a year later still there. I think they need to stop promising this to people and get there money when they get there money. Im still paying everymonth on time but its just making me want to say forget this get your money when I die. I have other larger problems like taxes i have to take care of. 

Something should be done they should not be able to say that to people. I was hoping it would better my financails and i could get a good interest loan to help consolidate my debt then eventually buy a house some day.