davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (FL)

Received letter from XXXX XXXX XX/XX/XXXX, letter explained on XXXX, servicing from XXXX XXXX XXXX be transferred to Selene Finance LP . Received letter from Selene Finance on XX/XX/XXXX, explaining transfer of my loan from XXXX XXXX on XX/XX/XXXX. I have been on a forbearance plan due to Covid for XXXX, XXXX, XX/XX/XXXX, I requested 3 more months, XXXX, XXXX, XX/XX/XXXX, it was approved. XX/XX/XXXX, I called XXXX XXXX and advised the day was last day with them to call Selene. Attempts Selene for one week every day, I want to start paying my mortgage starting XX/XX/XXXX, calls dropped. I called XXXX XXXX requesting assistance with Selene and they called transferred my call to Selene. XX/XX/XXXX spoke with XXXX, I advised her I need to make arrangements to pay my loan starting XX/XX/XXXX, she replied I do not have your Mortgage Loan file yet in the system so I cant help you, you need to call back in a few days. 
From XX/XX/XXXX XXXX XXXX to XX/XX/XXXX, Selene has no documents of my loan, bad servicing. Selene mortgage loan number is XXXX, Ms. XXXX advised that was my new loan no. Bottom line neither XXXX XXXX or Selene Finance cant help me to reinstate my loan from forbearance to a new mortgage payment, I am requesting to apply money from forbearance be applied to the end of my mortgage year. I want to start payments on XX/XX/XXXX. Thank you XXXX XXXX XXXX
Consumer complaint received 2021-11-15
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP (CA)

I contracted American Advisors Group to Refinance my home in XXXX, and I paid {$220.00} for my half of the appraisal cost on XX/XX/2021. 

My contact is. XXXX XXXX, PRESIDENTS CLUB MEMBER, Reverse mortgage professional AAG | American Advisors Group XXXX ID : XXXX Phone : XXXX ext. XXXX Fax : XXXX Email : XXXX XXXX XXXX is Director of Marketing operations for AAG. Three days ago, I submitted a complaint to the California Department XXXX Consumer Affairs Bureau of Real Estate Appraisers I have not been contacted by an appraiser and XXXX XXXX has assured me that it has been assigned to an appraisal agency. I am in the conventional mortgage and real estate business, but other HECM lenders have told me that this is highly unusal length of time to wait. This is causing me a financial hardship, and I can not be told to wait again. Can you please investigate or assist in any way?
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2021-11-14
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: EQUIFAX, INC. (TX)

On XX/XX/2021, I disputed some inquiries on my report, and I received an illegal computerized letter dated XX/XX/2021, from the credit bureau in which they stated, 1 ) an explanation of what an inquiry was, 2 ) told me they MAY investigate and 3 ) if they chose to investigate, they listed the investigation procedure then proceeded to tell me to contact the publishing company. 

According to the law and my request, my letter to them asked them to please verify the debt as required by the Fair Debt Collection Practices Act. The law requires that the bureau be able to furnish who, what when and why as proof of a debt or correct information they are choosing to publish on their platform. 

I asked the credit bureau for proof of such information being verified and validated as something I did, since they were opting to publish the information on the platform. I didn't ask them for information on what an inquiry is or how an investigation is contacted but for them to investigate the inquiries and delete the information if they couldnt furnish accurate proof, I initiated them or show me proof of their findings to be able to report such inaccurate information as accurate. 

Because they did not do that what is required by law, they are now in violation The Fair Credit Reporting Act ( FCRA ) that states, if inaccurate information is discovered in a file, the consumer reporting agency must examine the disputed information. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. 

These inquiries need to be removed as they have NOT been verified or validated as being accurate.
Consumer complaint received 2021-11-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (FL)

A debt validation letter was sent to the company I.Q. DATA INTERNATIONAL , INC. located at XXXX XXXX XXXX XXXX, WA XXXX. The letter was sent on XX/XX/2021 and received on XX/XX/2021. A follow up debt validation letter was also sent out on XX/XX/2021 and received on XX/XX/2021. As of today, XX/XX/2021 I have not received the correct information to validate this debt. The company has failing to validate this debt but is still reporting the account on my credit report.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I have unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source :
Consumer complaint received 2021-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (TX)

BBVA Compass Bank was sold or merged with PNC Bank in XXXX. All accounts were officially moved on XX/XX/XXXX - this is a brief summary of the significant snafus and errors made and that continue to exist with my accounts. 

Note I have both my personal checking accounts and my small business accounts at this bank 1. The bank is unable to provide transaction details that account for a reduction in the balance of my small business checking in the amount of {$32000.00}. There is a gap in the online account details from XXXX to XX/XX/XXXX and the online balance differs from my calculated balance by the above amount.

2. The bank is unable to provide transaction details that account for a reduction in the balance of my personal checking in the amount of {$2000.00}. There is a gap in the online account details from XXXX to XX/XX/XXXX and the online balance differs from my calculated balance by the above amount.

3. For a period of approximately 3 weeks following the merger I had zero access to my accounts for the purpose of monitoring, transfering, or making online payments. This was especially problematic for my small business accounts.

4. After hours and hours on hold on the customer support line- I estimate I was on hold for a total of over 20 hours - I was finally able to access my accounts- but I needed two separate login ids for my personal and my business accounts - rather than all my accounts managed from one dashboard as I had with BBVA. This is a big problem and hardship for me as I need the ability to transfer funds between my personal and my business accounts for my day to day operations and I have lost this functionality. They have combined my personal line of credit and my personal visa card on the business dashboard -- but they can't seem to be able to combine my personal checking with business banking. After significant more hold time I was told 2 weeks ago to give them 5 business days to combine the accounts. As if XX/XX/XXXX this has still not been handled.
Consumer complaint received 2021-11-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TMX Finance LLC (FL)

A debt validation letter was sent to the company INSTALOAN/XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. The letter was sent on XX/XX/2021 and received on XX/XX/2021. A follow up debt validation letter was also sent out on XX/XX/2021 and received on XX/XX/2021. As of today, XX/XX/2021 I have not received the correct information to validate this debt. The company has failing to validate this debt but is still reporting the account on my credit report.
Consumer complaint received 2021-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (NY)

SUBJECT : REGARDING ALL CONSOLIDATED FEDERAL LOANS OF STUDENTS, WHO, DUE TO THE NEW CHANGES, WILL BE MADE/FORCED TO RE-CONSOLIDATED ( ONCE MORE ), IN ORDER TO INCLUDE ALL FEDERAL SUBSIDIZED OR UNSUBSIDIZED LOANS TOWARD THE PUBLIC SERVICE LOAN FORGIVENESS. 

To Whom It May Concern Federal Student Loans, U.S. Department of Education On XX/XX/XXXX, the Chief Operating Officer of Federal Student Aid, Mr. XXXX XXXX " announced big changes to the Public Service Loan Forgiveness ( PSLF ) program ''. Reading through the changes, I noticed that although " changes will help me get the credit I deserve for serving my country '' as a XXXX XXXX there is one DISREGARD AND NO CONSIDERATION to students, who, at the time of their first original PSLF application APPLIED to CONSOLIDATE ALL THEIR LOANS INTO ONE LOAN, BUT WERE REFUSED TO INCLUDE THE FEDERAL ( UNSUBSIDIZED ) ( STAFFORD ) LOAN/s as NOT ELIGIBLE FOR THE PSLF PROGRAM. This is my case : when all my loans were consolidated by the FedLoan Servicing ( XXXX ) and eligible for the CONSOLIDATION toward the PSLF, my FEDERAL UNSUBSIDIZED STAFFORD LOAN was excluded and it is not elligible. Therefore, I will be made to RE-CONSOLIDATE once more, in order for my Federal Unsubsidized Stafford Loan to be PSLoan forgiven. This is not fair! With all of the above in mind, former students are appalled WHY, upon the NEW CHANGES, any former student who HAS ALREDY CONSOLIDATED HIS/HER STUDENT LOANS, WILL BE MADE to re-consolidate ONCE AGAIN HIS/HER LOANS into the Direct Loan Program by XXXX XXXX XXXX XXXX. The former student/s evidently applied for consolidation of his/her student loans at the time of first PSLF application, but WAS REFUSED TO CONSOLIDATE ALL LOANS by the order of the FedLoan Servicing, so the student could not get all credit/s for any of his/her federal student loans toward the Public Service Loan Forgiveness. THIS IS UNFAIR and discriminatory, and NO STUDENT, WHO HAS PREVIOUSLY WAS REFUSED CONSOLIDATION OF ALL FEDERAL LOANS, SHOULD BE MADE ONCE AGAIN TO RE-CONSOLIDATE TWICE THE LOANS before XX/XX/XXXX. Instead, the student who was refused the Consolidation of all his/her loans entirely into his/her Federal Loans during the period XXXX, MUST BE PROVIDED WITH THE WAIVER OF the new " FORCIBLE '' RE-CONSOLIDATION of his/her Direct Loan ( DL ) Program Loans. Subsidized and unsubsidized loans, made to XXXX and XXXX students will become eligible for PSLF Program under the new changes. Students should not be made to re-consolidate TWO TIMES their loans. Therefore, all Federal loans excluded from the PSLF must be COUNTED jointly with the consolidated loans, especially when this was the order of the FEDLOAN SERVICING at the time of the original PSLF application, which refused the inclusion of some federal loans into the PSLF Program.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (CA)

Discover reported a business account late on my personal credit. I was not aware that any amount of money was owed on this Business credit card. My company is a non profit and My business office closed due to the pandemic! So I never saw any mail regarding this card. I take pride in my credit and have NEVER paid any account late. This particular card was not used often and once the last payment was mailed XX/XX/2020 i thought the card had a {$0.00} balance. I later received notification from Discover by email to say check my account because a notice was sent regarding them closing my account for none payment. That same day i paid the account in full and asked to speak with a manager regarding the 30 day late payment. The account closure email is what alerted me. Discover never emailed regarding late or missed payments.
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, there are two companies that I have sent letters for several times with no answer at all. I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (LA)

I received a Wells Fargo debit Visa card in the mail in my name at my home address after it was returned to sender from a New York address. I do not have a account of any kind with Wells Fargo not have I ever. I have made monthly payments of my fathers mortgage for the past 7 years and it comes directly out my personal banking account from my bank to Wells Fargo but I personally have never applied for any banking account with Wells Fargo except to get an assumption loan for the home I have paid for for years. I contacted them immediately and was told a case would be open and that this occurs a lot which in itself is alarming. I was not provided with any other information like WHO opened this account or WHEN it was opened and what I should do to protect myself. I was given a case number and told to wait. I need information on how this happened so I can protect myself.
Consumer complaint received 2016-12-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMERISAVE MORTGAGE CORPORATION (GA)

I have tried to pay off my mortgage with Amerisave Mortgage Corporation numerous times ( 3-4 ) and they keep charging me extra fees and will not close out the loan. Each time I have sent them a " pay-off '' payment they inform me that it did not arrive on time and charge me additional " handling '' fees. This is harassment and intentional. I have spent many hours on the phone with Amerisave trying to resolve this. I finally sent them a Certified Letter formally requesting that they close the account. None of my efforts have been able to close this account out.
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: One Technologies, LP (OR)

So I noticed today that on a credit card that I don't hardly ever use that I was being charged by a company called XXXX. So I called them and was told I had been signed up with them since XXXX. I tried to sign on and it showed that I had never been on the site. Why would I sign up for something and then never ever sign on to the account? So I called them and she kept saying over and over that I signed up for trial. Which I'm not aware that I did I've never even heard the name XXXX. I had them cancel it, but I have been charged XXXX since XXXX and it is now XXXX. I do not believe I ever signed up with them. And the proof I have is I've never been on their website. When I tried to cancel she tried to give me half my money back in order to stay. I told her now and canceled.
Consumer complaint received 2021-11-14
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: EQUIFAX, INC. (FL)

I have been contacting Equifax and XXXX for years about updating my payment history on the XXXX  accounts. I have sent proof numerous times from XXXX  showing I have never been late on any of the loans. Since they can not /will not update all payment history to positive as it should be, I want them to remove all XXXX  from my credit report. I am attaching my current up to date loan verification letter showing NO zero late payments.
Consumer complaint received 2021-03-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CA)

I ask for a quote on a refinance with take out. The quote after checking my credit score came at XXXX on closing cost. Them after the appraisal came at a cost of XXXX dollars the price of the house came XXXX dollars less than one done a moth before. Now my Neighboors are selling for XXXX in a week and their house does not have all the upgrades mine have. In addition to that this people kept on increasing the closing cost more and more and more. XXXX the XXXX and the last one of XXXX. That has to be wrong.
Consumer complaint received 2019-12-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TN)

When I was enrolled at XXXX XXXX, I was told the the loan would be used for only credits/time used. I was also told that I would only be responsible for the loan after 6 months of attending school ( if I did not complete my degree, OR 6 months after graduation. I was charged for multiple semesters although i did not graduate and I did not attend school for 6 months. Therefore I was over charged on my loans, which has negatively affected my credit scores and ability to get any other loans in the future. I was mislead, cohersed and lied to about these loans. I can not afford to pay them back, which is why I decided to drop the courses.
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I sent an email directly to the CEO of XXXX. Received a letter in the mail stating that he will not remove the late payment history/incorrect payments reporting to the credit bureaus. I have disputed the account with the credit bureaus several times regarding this inaccuracy and the results stated that the data furnisher verified that the information is reporting correctly. This issue has carried on for almost a year. XXXX along with the credit bureaus state that they will not correct the information reporting on the account. The account is closed, paid, and still has a {$0.00} credit. I have attached a copy of my credit reports from XXXX and Equifax showing how the pay history is STILL showing an active pay history from one credit bureau while the other bureau is showing a charge off pay history of XXXX each month. This continues to affect my credit over the past year and should be removed by the data furnisher for continuously reporting inaccurate information.
Consumer complaint received 2022-04-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: CITIBANK, N.A. (GA)

I had two Citibank private student loans opened on XX/XX/XXXX, and XX/XX/XXXX. I was paying the loans until I was laid off from my job and without income around XXXX when I ended up filing for Bankruptcy. I explained I was not working but they would not reduce or stop the payments. The loans were closed on XX/XX/XXXX. The original loan amounts were {$3500.00} and {$6500.00}. My remaining balance owed was {$2000.00} and {$3800.00}. The amounts being reported on my credit report every month are $ {$6500.00} and {$12000.00}. I wanted to see how I could fix this but the information on my credit report for the address and phone number for the lender is XXXX XXXX. When I called XXXX XXXX they said that they no longer have my loans because Citibank took them back on XX/XX/XXXX. They gave me three numbers for Citibank. I call these numbers and each time I was told they don't handle student loans and they would transfer me to another department. I was then transferred back to XXXX XXXX to another agent who said they don't have my loans and she gave me the same numbers back to Citibank. How can XXXX keep putting these amounts which are way more than I even owe on my credit report each month if they don't even have the Citibank loans? I have no way to resolve this as Citibank also says they don't service the loans anymore.
Consumer complaint received 2021-11-14
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. (DE)

Notice it is a fact that I am a federally protected consumer, as such I have the right to privacy. Notice it is a fact that my federally protected rights have been violated. Notice it is a fact that I have never signed a contract or promissory note with the company XXXX XXXX, XXXX, whereas I believe them to be a debt buyer. Notice it is a fact that this company must operate under the FDCPA. Notice it is a fact that I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX. Notice it is a fact that failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy. Notice it is a fact that I demand this account be removed from a collection status and reported as paid in full or pay {$560000.00} for every minute this account has been illegal reported on my consumer reports.