davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CO)

Our account with XXXX is transferred to XXXX Loancare. The first statement XX/XX/2019 shows an unapplied balance of XXXX and a payment due amount of XXXX. I call to double check his as my usual payment is XXXX. I am told she will find out that i should call back another time because she cant call me back. I call back 2 more times and get same response. I make the normal payment. XX/XX/XXXX statement requests normal payment and shows the amount of XXXX as paid. Next i get a bill for an escrow shortage of XXXX. I call and i am told that a check in that amount was mailed to me but they dont know why. I explain that i did not get the check. I am told that research on this will be complete by XX/XX/2019. I call back on XX/XX/XXXX and am told research should close in 3 days. I call XX/XX/XXXX and am told that a copy of the check has been mailed to me. Told that the check has been cashed and that she will email me a copy by Thursday XX/XX/XXXX. I call back on XX/XX/XXXX and this person immediately emails me a copy that is not legible. She says it is endorsed by my husband. She can not tell me which city it is cashed in. Transfers me to a supervisor who suggests i file a police report. I contact local police financial fraud dept who says They will help but seems surprised that the mortgage company suggests this. They will also need a copy of the check. I call on XX/XX/XXXX and after not getting an answer to 3 calls, i submit a formal complaint through their website. I call again on XX/XX/XXXX and this person says the work order request was closed, that they possibly did not send the check to me because it was voided and put back in my escrow. I am told there is no legal dept i can speak with and no way to expedite getting more information. On XX/XX/XXXX i get an email saying that my request has been sent to the cashiering dept. the reference number that is given is the same one that i was previously told was cancelled. Today. Is XX/XX/XXXX and i have still not gotten a copy of the check and the amount of XXXX. Has not been put into escrow. 
I have all dates and times of these calls as well as the name of the people I have talked to.
Consumer complaint received 2017-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OH)

I signed up for the XXXX for persons who work in non-profit back in XX/XX/XXXX. I was told that after XXXX years of repayment loans would be forgiven. I went back to school in XX/XX/XXXX and Navient put me on deferment without asking me if I wanted a deferment. I DID NOT! Now my XXXX for non profit has to start all over again. I have been working for a XXXX museum since XX/XX/XXXX. What can I do about this??
Consumer complaint received 2017-03-28
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)

I called Navient Student Loans to ask for a lower payment plan because they keep raising my monthly payment amount. I was told the only way that I could qualify for a reduction in my payment was if I completed a verbal financial statement. I gave the Agent my information and she rudely cut me off saying I did n't have any disposable income and then said she was going to put me on hold to check my credit. After a fairly long wait, she returned to the line and asked what other student loan companies I was paying. I told her XXXX XXXX XXXX XXXX and XXXX. She told me that she did not see the names of those loan companies on my credit. I told told the agent that I did not give her permission to check my credit and she responded with the statement that she did not need my permission to check my credit. I told her she did and she cut me off saying that the names I gave her were not on my credit. I told the Agent that XXXX was XXXX Bank and XXXX is XXXX XXXX XXXX XXXX XXXX. The Agent 's story then changed. She claimed that she saw those companies on my credit but, that they showed the loans in forbearance. I reassured her that I was paying the companies monthly and she then demanded that I send in copies of my banking statements to prove I was making payments. I told the agent that I was not sending my banking information but, I could send in the monthly statements from the lenders. The agent then said I was asking for help and since I was refusing to send in my banking statements, she was going to put on my account that there was nothing they could do for me. I feel like there is something unethical and illegal going on with this company. I am trying to communicate with them and pay my student loan. All I asked the company for is relief on the monthly payments and I was yelled at by an agent who checked my credit without my permission. Navient should be investigated.
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (MO)

Since XX/XX/XXXX, I have disputed the inaccuracy of my payment history ( XX/XX/XXXX ) for all eleven of my federal student loans to the credit reporting agencies ; XXXX and XXXX ( XXXX has followed FCRA laws and updated my account information ). my dispute investigations keep resulting in verified account information. This ca n't be accurate and I am questioning the validity of the verified account information because I have documentation that illustrates I was granted a forbearance period for my federal student loans for the period of XX/XX/XXXX-XX/XX/XXXX in which XXXX has it reporting a 90-120 day late payment status. If my accounts were n't current during that period, I wouldn't/could n't have been granted a forbearance period.This information is not correct and per the FCRA [ section 623 ( a ) ( 2 ) ] ANY updated account information must be reflected on the credit report. It is also the Credit Reporting agencies responsibility to ensure that all credit reports are 100 % accurate, in which my accounts are not. A Forbearance period marks your monthly payments as current while you are not paying on your loans and mines are n't reflecting that. I ca n't have late/missed payments and be on forbearance simultaneously. My forbearance grant should be updated and reflected on my credit report. I spoke with a Federal loan servicing rep by the name of XXXX ( ID number XXXX-information in attachment ) at XXXX Eastern time on XX/XX/XXXX and she informed me that the dispute process was a 60 day process and that my dispute was still under progress ( would be completed at the beginning of XX/XX/XXXX ). She also stated that once the dispute process was complete the disputed information would be corrected, updated, and reflected on my credit report. I have attached documentation that illustrates that I was granted a general forbearance period for the time frame that XXXX and XXXX is reporting missed payments. This hassle of back and forth with the credit reporting agency and Fed Loan has caused tremendous financial suffering due to no fault of mine.
Consumer complaint received 2017-07-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: 360 MORTGAGE GROUP LLC (MS)

360 Mortage services my loan. The company has refused to send my overage in my escrow and has continued to overcharge me with incorrect billing statements. I requested the company to send me my overage of funds of {$1700.00} along with any other funds I have over paid and the representative XXXX refused to comply with Morgage Servicing regulations. I have included documents of proof regarding payments and confirmation numbers below. This correspondence will also be sent to the State Attorney General, State Auditor of Texas and Mississippi. to assist with resolving these issues and investigate fraudulent activities.
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (WA)

I applied for a Home Depot credit card that advertised " 6 months to purchase everything for your project '' with " No interest if paid in full within 6 months on purchases of {$290.00} or more ''. I received an approval letter that stated " Congratulations. You've been approved ''. It wasn't until I started receiving statements, that I realized I was being charged interest and the approval letter was not for what I applied for but rather a loan with a fixed rate of interest with no 6-month promotion. I contacted XXXX/GreenSky ( the lender/servicer ) for the account numerous times to resolve this to no avail. I keep getting charged interest and can not get the minimum payment that is due without interest on my statements.
Consumer complaint received 2017-07-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Comerica (TX)

I opened a small business in 2014 with a term loan and a line of credit from Comerica Bank. We signed a term sheet that did not disclose any prepayment penalty and it was not discussed with us. The final term loan contract included a clause about a large prepayment penalty that was difficult to understand. We are now trying to refinance the loan and are being told we owe a {$6100.00} prepayment penalty on a {$150000.00} balance.
Consumer complaint received 2017-03-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

When I first took out my loan in 2010 it was originally with XXXX, who later became Navient. The interest on the loan was very high and I was steered into making forbearance payments, which did not help because the interest was capitalized over time. After only being to make minimum ( interest only ) payments at first, I quickly realized that it would take many, many years to ever pay it off. 

My complaint is about the forbearance, and the extremely high interest rate and capitalization of the interest. ( There was one year when I paid over {$6000.00} in interest alone. ) Recently I have paid off both my loans with Navient but it did not come without a cost or major sacrifice, and that is what my complaint is about. Please let me know if there is a class action suit against Navient as I believe I would very much participate and have the records to show their wrong doing. 

Thank you!
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

On XX/XX/2021, I initiated a dispute on credit report to the credit bureaus asking if they report bankruptcies to the credit bureaus and I got a letter stating The company that reported the information has certified to XXXX that the information is accurate. To date, I have not heard back for the dispute with the other agencies. How did the credit bureaus verify my bankruptcy as 100 % accurate? I do not believe a fair investigation was conducted according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The credit bureaus also violated several other of my rights. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-06
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: LEXISNEXIS (OH)

XX/XX/2020 This is the 3rd time I have complained about this issue, I have filed my complaint in XX/XX/2020 I never received any response back or any of the requested legal documentation. Please be advised that I and filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. IT IS WELL BEYONG THE 30-60 DAYS! After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A  ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand  the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX # XXXX XXXX/XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX BKPT CT OH XXXX  All other addresses are not accurate. 
Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I have SS numbers showing on my file that do not belong to me XXXX, XXXX PLEASE DELETE NOW! 
My employer is Self Employed My name is XXXX XXXX XXXX XXXX please delete any and all other variations of my name they are not accurate!! 

This is my only number XXXX All other telephone numbers are not accurate.
Consumer complaint received 2020-04-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Betterment LLC (IL)

Logged onto my account. Was offered free checking product. Answered a few website questions and the result was denied a free checking product. 

Followed up with XXXX from Betterment by email, she told me unable to tell me why can't open a free checking.
Consumer complaint received 2017-07-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ERC (CA)

My contract with XXXX XXXX XXXX had expired in XXXX 2016. After my contract expired I was billed {$71.00} I asked the XXXX XXXX XXXX representative was I going to be charged and she stated NO. I 'm not responsible for this debt when my contract has already expired.
Consumer complaint received 2017-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

I got a tax bill my supplemental property taxes which in California is my responsibility although I was never told this in my  seven years of home ow nership. I have h ad two o ther lenders and in the past have gotten a letter saying I have a tax bill that is not covered or that there is n't enough money in the escrow account etc.. I am given the option to pay it or I can do nothing and they will pay it and my monthly payment will go up. I have not received anything from this company and I did not even receive my tax bill in the mail. I got a bill in the ma il  X/XX/2017  saying my tax bill was delinquent and I had to pay. I also have a {$420.00} fee now. I called the company and  all they said was it is not their responsibility. They said I can send the bill in and they will take it out of my escrow account I told them they should pay the fee but they just repeated it not their responsibility.This company also paid my homeowners insurance late. I had to call my insurance company and talk to them and pay a late fee, so I am really unhappy with their customer service and I do not appreciate them paying my insurance late and my not letting me know about my tax bill and letting me they are not responsible.
Consumer complaint received 2019-05-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, I opened a Chase Online Total Checking account using the sign-up bonus link, which states you will receive a {$200.00} reward after making a direct deposit of atleast {$500.00} within 60 days to qualify for the bonus. So this is exactly what I did, I waited 10 business days, and they never gave me my reward. Then I called the bank around 60 days after opening the account, they told me that I was not eligible because there wasn't a coupon code, but on the link for the reward it says the coupon code is " automatically '' applied.
Consumer complaint received 2020-04-22
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. (FL)

XXXX, XXXX, equiafax have reported incorrect information on my credit report that is not mines which are XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-01-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A. (IN)

I am the owner a small business named XXXX XXXX XXXX XXXX XXXX Over the past year I have been charged $ XXXXmonth from PNC Bank for a merchant account. When I called PNC merchant services, they can not find my business or myself in their computer system. I was told by PNC Bank merchant services that I should file an affadait with my bank ( XXXX XXXX  ) to have the money returned. I approach XXXX XXXX  and was told by the Branch manager that I needed to have something in writing from PNC bank to stop future XXXX funds removal. I told them I spoke with PNC Bank and they can not find me in their computer system and their is nothing they can do. I have called, written, and even went to local PNC Bank branch to stop this from happening to my checking account. Is there something you can do to stop this from happening and return my money? I have been messing with this for over a year now.
Consumer complaint received 2017-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CL Holdings LLC (IN)

On XX/XX/2017 Jefferson Capital System cashed a check in the amount of {$10.00} as a result of an agreement to update their account to the original creditor as paid in full and remove their account from the three credit bureaus. This was not done per the agreement and the bureaus are still reporting a balance of {$240.00}.
Consumer complaint received 2020-04-21
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. (DC)

XXXX XXXX is reporting a debt that was received from XXXX XXXX of {$190.00}. I have notified XXXX XXXX, but it still shows on XXXX  and Equifax as closed, but with a balance of {$190.00} owing. XXXX is used as a conduit for payment instead of exposing my bank account or credit card to prevent fraud. I had one account with XXXX XXXX and paid it completely on XX/XX/XXXX, leaving an overpayment of {$3.00}. On XXXX XXXX, XXXX stated the balance on the account was {$0.00}, the {$3.00} disappeared from the records. 
I never used XXXX for extended charges afterwards, or small charges, which XXXX XXXX stated occurred on XX/XX/XXXX - {$7.00}, {$1.00} ; XX/XX/XXXX - {$7.00} ; XX/XX/XXXX - {$6.00}, {$5.00} ; XX/XX/XXXX - {$9.00} The charges totalled {$37.00}. On XX/XX/XXXX - {$29.00} was added to the total, XX/XX/XXXX - {$66.00} + {$40.00}, XXXX XXXX {$38.00} + {$2.00}, and XX/XX/XXXX - {$38.00} + {$3.00}. While XXXX XXXX shared this information with me, XXXX, nor Equifax bothered to investigate by confirming with XXXX. These charges would not have accrued on my XXXX account as they would have been taken directed from my bank account through XXXX. I am including records of XXXX transaction made during XXXX through mid XXXX. The charges are FRAUD. These charges are not shown on the records. I'm including my XXXX records for your review.
Consumer complaint received 2017-07-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (CT)

I n  XX/XX/XXXX I  went to the  XXXX  dealership and finance a  XXXX   XXXX   XXXX . Unfortunately, within the first month my vehicle had been involved in an accident that was not to be covered by my insurance company. The mechanic shop closed  for 3 weeks as they were  in the process of changing their name due to legal issues and Wells Fargo was well aware. Despite the fact that Wells Fargo told me they would be recovering my vehicle from the auto body shop and auctioning it off to cover their fees as well as the mechanic shops fees this did not occur. The mechanic shop was able to obtain a lien on my vehicle and sold it for  XXXX  at an auction. Despite my written attempts to get it removed it still remains on my credit reports for the full balance of the car loan as I had not yet had a payment due at the time of accident.
Consumer complaint received 2017-07-25
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. (NV)

XXXX XXXX is not reporting the correct payment amounts that are being made monthly. I 'm currently making over {$600.00} a month payments and only receiving {$35.00} a month and credit on all 3 credit bureaus and this is affecting my score. When I spoke to the company rep I was told to take it up with the credit bureaus and XXXX XXXX XXXX would not do anything to correct this issue.
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I submitted disputes to the 3 credit reporting agencies on XX/XX/XXXX to  have deleted from my files 3 tax liens and an dismissed bankruptcy in accordance with the National Consumer Assistance Plan that went into effect on XX/XX/XXXX of this year. As of today, XX/XX/XXXX, the only updates from the 3 bureaus are that they show dismissed, which is unacceptable.