davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TN)

I initiated PSLF forgiveness with XXXX in XXXX of XXXX. All appropriate documentation was submitted with employment verification of 10 years and more than XXXX payments. XXXX made a clerical error in copying the beginning date of employment to their system thus making it appear that I only had XXXX payments qualifying. I reached out and spoke with a representative who agreed that a clerical error had been made and she requested a review and assured me this would be fixed within XXXX business days. This did not happen and then my loans were transferred to Mohela. I attempted to contact Mohela first on XX/XX/XXXX with no response. A second inquiry was made on XX/XX/XXXX with no response. I have attempted to call on multiple occasions but sit on hold for hours without being able to reach a person. I decided to reach back out to XXXX and spoke with employee XXXX # XXXX. She informed me that my loans indeed had been transferred and that a review would take place by Mohela but could not give me a contact at the company or any way of pursuing further communication. I have had no communication from Mohela and the PSLF certification process is now entering it's XXXX month!!! This level of customer service would be abysmal for something very minor, but we are talking about thousands of dollars in this case. I am beyond frustrated at this process.
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Upgrade, Inc. (TX)

Back in XXXX I noticed a credit inquiry on my credit report from Upgrade. I have never applied or even had any business with them before, I had to look it up online to see what it was and I noticed it was a credit company that does lines of credit and credit cards. I called them and was transferred to the fraud department. They stated that there was a line of credit in my name and they cant close the account that was opened because they needed to investigate this. I have called multiple times and sent an email with no response back. They have told me they are sending me emails requesting information which I still have not received. I then noticed there was charges on this line of credit that are odd and nothing I have ever spent. I was able to log in to the account with my email and changing the password and I seen charges for a newspaper and then a large purchase for XXXX and The XXXX XXXX. I have never bought or used any of these companies nor do I even know what they are. There was a high balance and then payments were made and then this month I noticed this company took a XXXX $ payment out of my bank account and they had set me up for direct draft monthly to take out payments with my bank account information. I have spoke to XXXX and reported this as fraud on all my credit bureaus. I still need to file a police report but I didnt know that until this week when I spoke with a lady from XXXX. I have tried to speak with the company Upgrade and they are refusing to do anything about this. I really hope this site can help me get this off my credit and settle this fraudulent account. I feel like I am a victim of Identity Theft!
Consumer complaint received 2022-10-20
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. (IL)

I have disputed this account & called the credit bureaus about this matter with no resolution. There was no way possible for me to incur this account because I did not live in their service area. The date the account # XXXX from XXXX XXXX XXXX in the amount of {$2400.00} was opened XX/XX/2021, I did not live in their service area & did not have an account with them. I have worked hard to establish my credit & pay all debts, but this is unfair practicing. While doing my own research I found the fair credit reporting act. Upon reading this, I found out that this has violated several of my rights. 
15 U.S. Code 1681 section 604 A section 2 states A consumer reporting agency can not furnish an account without my written instructions. 
15 U.S. Code 1681 section 602A states Accuracy and fairness of credit report and I have the right to privacy. 
Thank you in advance for your assistance with this matter.
Consumer complaint received 2022-10-20
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. (CA)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

This is your FINAL WARNING. Please BLOCK AND REMOVE the ACCOUNT resulting from alleged identity theft. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$63.00}, and XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$630.00}.
Consumer complaint received 2022-03-30
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (GA)

Citibank has issued me a fraudulent cashier 's check for {$1200.00}. I have requested on numerous occasions they refund my money through accounts that I have provided them. This morning a bank branch manager where I tried to deposit it informed me that that check was a blank ; there were no funds on it as it has been placed on hold for fraud. Citibank is continuing to hold my money which contains my monthly Federal pay from the VA. I have informed them they are not supposed to be doing that and keep requesting my pay. This check was issued in early XX/XX/2022. 

Customer service is nonexistent as they lie, hang up the phone on people and so forth. There is not even a person of contact for this situation. I am planning to file a police report on Citibank for this.
Consumer complaint received 2022-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (MD)

Netspend sent me an unsolicited Mastercard IN THE MAIL and I did not request it. It is illegal to send credit cards in the mail as a promotion. Further, you have to opt out in order to cancel the card and it takes 30 days to be removed from their mailing list. ARE YOU SERIOUS!! They should not be allowed to do this and of course I had to XXXX a good contact number as it was not provided in the advertisement.
Consumer complaint received 2022-03-30
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX XXXXt XXXX XXXX XXXX has violate my rights. 
15 U.S.C. 1681 Section 602A. State I have the right to privacy. 15U.S.C. 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (TX)

Since XX/XX/XXXX I have made multiple calls to Loancare trying to get a Loan modification after coming out of forbearance. Loancare reported my loan as delinquent for the months that I was in forbearance. This resulted in an over 100 points drop in my credit rating. This prevented me from obtaining a refinance from any other entity. We had an modification agreement in XX/XX/XXXX. I had the documents notarized and sent back to Loancare XX/XX/XXXX in the XXXX envelope that they provided. Loancare did not process the documents. They informed me that they did not receive the documents until XX/XX/XXXX. I find that impossible to believe. Then Loancare sent me another modification agreement with a higher interest rate, a higher mortgage payment of close to {$2700.00}. 
Their calculations included the amount of the delinquent payments while in forbearance. 
I have made countless calls to Loancare from XXXX XXXX XXXX, spoke with countless agents, been told conflicting information an the situation remains unresolved. The website will not accept payments from debit nor credit cards which prevents making the payments. I have asked for options to pay without response. The agents have admitted that the post office returned documents to them that did not reach me but decided to move forward with the foreclosure. The XXXX tracking dates do not match the date on the notices that Loancare states that they sent documents. When I did receive documents, I was past the response date because Loancare did not send them out to me timely. Loancare is impossible to deal with and should not in my opinion be allowed to service mortgage loans. Their incompetence is glaring.
Consumer complaint received 2017-04-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (IL)

I have tried on several occasions to get Navient to validate XXXX loans. I have asked for proof that these loans in fact belong to me. I have written time sensitive letters, sent them certified mail and Navient has, on several occasions, refused to send me the requested information. In addition, I have requested that while they investigate my claim, that they stop reporting to the credit bureaus. However they have continued reporting despite my request. Many of my requests have been met with simple letters stating that the " consumer disagrees '' and they have updated my credit report saying the same. They have violated my rights on several occasions as well. They have made attempts to charge off these loans but my credit report still shows these loans as being open despite this status change. Also, the collections agencies, XXXX XXXX, made contact with me stating that they now had ownership of the loans in question. To which I sent a certified letter in XXXX asking for the same validation I requested from Navient. Unfortunately, I did not receive a response until XXXX, directly violating my 30 day request. Also, once they did respond, they did not send all of the requested information for all loans in question. I have tried so many different routes to explain to the credit agencies that Navient is in direct violation of my FCRA rights, however nothing has been done. I am trying to buy a house and these loans are negatively impacting my credit, and have been for a while.
Consumer complaint received 2022-10-20
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. (TX)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights according to 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. 

Please delete this account from my credit report. 

1. Account Name XXXX XXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX. Account Name : XXXX  XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX  Account # XXXX XXXX. Account Name : XXXX  XXXX XXXX Account # XXXX XXXX. Account Name : XXXX  XXXX XXXX # XXXX Account # XXXX XXXX. Account Name : XXXX XXXX  Account # XXXX
Consumer complaint received 2022-08-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rapid Mortgage Funding Inc. (CA)

I paid for an appraisal, {$950.00}, Rapid Mortgage ordered it, there were some complications with the appraisal company, nothing that should have kept Rapid Mortgage from doing their part. They ordered the appraisal and after it was completed they never responded to my email, text or phone calls. I eventually went to another lender, but they would not except the appraisal, so i had to get and pay for another appraisal. I would like a full refund of the appraisal amount, there were XXXX charges XXXX for {$810.00} another for {$140.00} they wanted more money, was expressed as needing it for travel. when they ordered the appraisal the had confirmed they had received pre-approval for the loan, their process went on forever, and then nothing happened, sent paperwork, just to have to send it a second time, very poor communication as well. 
United Wholesale Mortgage was part of the assignment of the appraisal, i have spoken with them, they are saying it is Rapid Mortgages responsibility, the whole package was in their court.
Consumer complaint received 2022-10-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Flagstar Bank, N.A. (WA)

I got an auto loan through Flagstar Bank in Michigan. The vehicle was automatically registered in Michigan after I bought the car in Wisconsin, and it has a Michigan license plate. 

I have since moved to XXXX, and Flagstar Bank is preventing me from registering my vehicle. They lost the title to the vehicle, and when I contacted them they said that I was supposed to have it, and that there was nothing they could do for me. Effectively they told me I would not be able to register the car, since they are supposed to keep the title but refused to take responsibility of having the title. 

I contacted the XXXX XXXX  and they informed that indeed the lender, Flagstar Bank, is supposed to keep the title, and I will not be able to get XXXX myself. I had the XXXX  XXXX send Flagstar Bank a newly issued title and paid the fee for that. The XXXX XXXX says they sent the title to Flagstar Bank on XX/XX/XXXX. It is now XX/XX/XXXX, and I called XXXX to ask them to fax the title to the XXXX  XXXX ask I could register the car. XXXX says they dont have the title, even though the XXXX confirmed it was sent to them a month ago. They refuse to take any responsibility in the matter, they keep saying Im supposed to have the title even though that is legally impossible.
Consumer complaint received 2022-03-30
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. (CA)

Creditor : XXXXXXXX XXXXK XXXX Account : XXXX In accordance with the Fair Credit Act XXXX  Account has # XXXX has violated rights. 

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 consent.
Consumer complaint received 2022-10-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (MI)

Call last month XX/XX/2022 to make payment, but it was late at night and I needed a few more dollars to make payment, the agent for XXXX realizing it was late at night agreed that if I paid by the XXXX I would not be charged a late charge, which I did and I still am being charged a late charge. I asked for them to listen to the call from that night and they that what I was saying is correct. They promised to do so and get back to me, but couldn't give when it would be, in the meantime I would have to pay the over charges and if I'm right I would be refunded the over charges, that's not good enough, I should be compensated for all I've gone through. I went by what I was told. I also asked for a copy of the phone call I made on XX/XX/2022. How do I file a complaint, can I begin a case for damages with you. I hope this complete if not contact me at XXXX or at XXXX. Thank you.
Consumer complaint received 2022-08-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (IA)

I have received several calls from this company " Commenity Bank for XXXX XXXX XXXX XXXXXXXX ''. I have returned their call and was told that my information was not listed on the account, as well as the information for my son who has the same first and last name but different middle name. I gave them DOB and last 4 of SSN for both of us. I was old today that the specific name on the account is XXXX XXXX but with a different DOB, SSN, and address. The representative told me that they essentially fish for a possible phone number for the person on the account and call it. I have asked them to remove my number in the past and they have evidently not. My son and I have never had an account with Commenity for XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I just received a response to my complaint and the CFPB closed the case without verifying the information. Which is disappointing. Anyway wells fargo lied about their response. I will tell you why. I filed a claim in XXXX of 2021 that was denied. The rep that I spoke to today by the name of XXXX told me the claim was closed in XXXX of 2021 which was false because I as a wells fargo customer had the right to dispute their decision which ultimately led to the claim being approved in XXXX of 2021 because I kept pushing about it being fraudulent but I was only given a partial credit amount and was told by the rep XXXX this morning that the claim in XXXX of 2021 was closed and the partial credit I received in XXXX of 2021 was from the merchant, not wells fargo. How ever the letter that I received in the mail from wells fargo states that I was only given a partial credit in XXXX of 2021 because they were limited on what they could do because of the time frame. Which I later found out by a completely different employee in XXXX of 2021 was 60 days. Nothing in this letter I received from wells fargo stated it had anything to do with the merchant. So again wells fargo lying to save their own behind. The lies just continue to add on with this company. Over the past 18 months and 40 plus people that I have been passed around too, just nothing but lies and misinformation. No one is ever on the same page, its always something different. I do not understand how this company can continue to lie and not take responsibility for a mistake that was made on their part and nothing come of it. I have wasted 18 months fighting them on this, and today get told I will not be receiving any compensation and the matter was closed. They continue to lie, the person I spoke to on the phone today lied. They are trying to lie their way out of something that they shouldnt be able to and its not fair to me the customer to have to fight this hard and take all the steps that I have been required to take in order to get the proper resolution to this matter.
Consumer complaint received 2022-10-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I have turned in all the information requested of me to LoanCare and XXXX XXXX XXXX required to receive a loan modification. 

They refuse to properly service my loan : They continuously ignore my certified letters and emails. 

They send me misinformation that they have not received documents when they really have. 

I have sent full document packages to their po box XXXX mailing address, and two email addresses and their attorney. 

The documentation attached shows that a full loss mitigation package was sent XX/XX/XXXX, Proof of a 4506-C uploaded on XX/XX/XXXX, and the actual 4506-C that they have sent me documentation stating they are " missing. '' My application is a facially complete application as per 1024 41 ( c ) ( 4 ) ( ii ). 

I also have timestamped emails of the above information that was emailed to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.
Consumer complaint received 2016-12-05
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

I inherited a house years ago and the banks did not keep up with the paperwork. I did not know anything. Thought the house was free and clear according to probate court. Now I try to get a loan and can not. Have not been able to to find anything on who is servicing this old mortgage so I can get it released. 4 companies so far and no ones has it. I am tired of the run around and mortgage companies being able to do what they want and leaving people helpless. They need to be filing proper information like everyone.
Consumer complaint received 2022-10-19
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. (PA)

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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$3100.00}
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Settle It Inc. (OR)

Settle It, Inc lawsuit mounted by CFPB. I am a victim of this companys fraudulent telemarketing and subsequent loan with their affiliate XXXX XXXX. In early XXXX, they intercepted a phone call I made to XXXX XXXX XXXX stating Lets fix your credit and if I adhered to their program, in XXXX months, they would pay off all my creditors and improve my credit. By the time I received a loan arranged by them with XXXX XXXX, it was approximately a year later and I was paying them now $ XXXX. The loan with XXXX XXXX was for {$9600.00} and my payments were $ XXXX. I have been paying them since XX/XX/XXXX. The interest rate is 24 % and compounded daily on the outstanding balance. So far I have paid them {$11000.00} and the loan doesnt mature until XX/XX/XXXX and so I will have paid them thousands more. I talked with XXXX XXXX re why was my loan with them and they just said you signed an agreement. I felt helpless. What is so outrageous, however, is my credit is destroyed. All the credit cards that were in the program just say CO meaning charged off with 0 balances due to nonpayment. This is very negative. There was no information that these accounts were apart of a debt settlement program. Settle It took my money and fraudulently assured me their program would improve my credit in the long run. I am devastated because credit is so important. I am so ashamed and this has affected the quality of my life. Im fearful of being duped and no longer trust anyone. I know I should have been more informed. What a terrible lesson. I might as well be in jail myself.