davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MI)

I am writing this on behalf of my wife, as I manage our student loans. 
We spend approximately 40 % of our income on student loans. Given our earning potential and current income we would be lucky to pay off our student loans in the next 40 years. 
We 've even had to take out a second mortgage on our house to make student loan payments. Because my wife 's profession is never expected to have the earning potential to pay back their student loans and she works for the government at an even lower rate than the private sector ; we were told that we qualified for student loan forgiveness on her student loans. This was great news for us. We went through the entire certification process and got all of the approval letters. But, when I called to get the estimated pay-off date, they told me that we did n't qualify because we were n't paying enough per month. This is utterly ridiculous since we pay the full amount every month and have it set up on auto-pay. 
When I inquired further ; I was told that we would have to change repayment plans to one which would cost us an extra $ XXXX/month before we would qualify. 
Considering the change to this new payment plan, we would actually spend the same amount of money to have her student loans " forgiven '' as we would without the " forgiveness ''. The representative even told me it was n't worth it to use their " forgiveness '' payment plan.
Consumer complaint received 2017-04-10
Product: Credit card — 
Issue: Rewards — 
Company: PNC Bank N.A. (MI)

After over 7 years of credit card purchases thru PNC BANK points Visa Signature Credit Card, I decided to utilize the points accumulated to purchase products from the rewards catalog. However, after logging into my account online discovered, that PNC stole XXXX points. After calling, the PNC representative acted surprised and said that a written response would be sent ( Exhibit A ) which stated that the points expired! This was never discussed or pointed out by the PNC branch manager when " selling '' the rewards program/credit card to me and hides notices in small print on the back of statements. In a Class Action Settlement XXXX XXXX XXXX XXXX this issue concerning forfeiture was addressed. I demand my hard earned points back along with any punitive orders due to stress and emotional distress. The schedule of events and statements are attached.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

It's really weird how these credit bureaus reporting me as late on these accounts I want you to investigate these accounts. 

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments. 

XXXX XXXX Account Number : XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have for a year been trying to have Transunion stop reporting inaccurate information on my credit file. I have showed them my tax transcripts, proof that an account ( XXXX XXXX Acct # XXXX ) could not possibly be mine. At the time of the opening ( 2016 ) of this account I did not have a job or proof of income nor did I file for taxes, so no bank would ever have given me any type of loan. Despite of showing proof that this account is inaccurate, I have requested them to show proof that they have the right to report this information 6 times which they have not provided at all. This is a continuing violation of my rights as a consumer and against the Fair Credit Reporting Act regulation. XXXX  has stopped reporting this inaccurate account. I have showed Transunion proof of this on my last dispute and still concluded that they will not be deleting this account.
Consumer complaint received 2017-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (MD)

I submitted an application for a mortgage refinance loan with Quicken Loans on XXXX XXXX. The terms of the loan were conventional loan with LPMI, no appraisal required and the rate was 4.125 %. I submitted all the required documents and the loan processing started. On XXXX XXXX I received an approval letter from Quicken Loans confirming that I had been approved. During this time I contacted a few other financial institutions to shop around a bit because the fees that I was being charged from Quicken Loans seemed a bit exorbitant. XXXX lender referred to the Quicken Loans loan estimate as predatory lending. I did not feel comfortable with this information and on XXXX XXXX I contacted Quicken Loans to request that my mortgage application be withdrawn effective immediately. On XXXX XXXX, a lady named XXXX from the Quicken Loans Executive office contacted me to ask me why I was withdrawing my application and to determine if there was a way they could keep my business. I informed her that I was moving forward with another lender and then I asked her to confirm that the loan application has been cancelled, which she did and she said I would receive a letter confirming this in the mail. On XXXX XXXX, I received the letter but the reason listed in the letter was incorrect. The letter was worded that they could not offer me a loan because of my 'unique ' financial situation. This was really upsetting as I 've never been declined by a financial institution in my life. I immediately contacted them to have this information corrected. XXXX XXXX called me on XXXX XXXX and apologized for the letter and stated that by law they are required to send out a letter when the loan process does not complete. I told him that the letter should state the real reason, not a made up one. He agreed to send me an updated letter stating that the reason was that the customer had withdrawn the application. I received a letter from him via email but the letter did not have any information referencing the loan number or his signature. I responded to him on XXXX XXXX to let him know that the letter was not acceptable and his coworker XXXX XXXX ( he was out of office ) informed me that they could not change the letter. I do not feel comfortable with a letter with made up information on it. Quicken Loans needs to correct this. They said it 's not a big deal but the fact that they are fabricating information about my withdrawn loan application is a big deal for me. It seems malicious and like they are retaliating against me for withdrawing my application.
Consumer complaint received 2022-12-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OK)

I have submitted several complaints via CFPB about Experian, XXXX and XXXX. I don't understand why they make it so difficult to file disputes. I have requested they open disputes via mail and online, I have also submitted documentation for these disputes. I'm attached the identity theft report, the police report and documents proving my identify to make sure these disputes are processed.
Consumer complaint received 2016-09-21
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: RSI Enterprises, Inc. (AZ)

While attempting to purchase a house this month the mortgage company found an account in collections. The amount was less than {$30.00} and has currently been in collections for 10 months. We have never been contacted. No phone calls or letters. In other words we did not know that we owed money or were in collections. The lender and I contacted the collection agency to try to resolve the issue. They claimed that have sent " numerous '' letters to us and none of them have been returned. 

They are using an address that we have not lived for 7 years. That fact was of no interest to them. They were not willing to help us remove the account even if we paid it off. 

How do we prove whether they had mail returned to them or not? 

How can we possibly prove that they have never called us? They can have no recorded calls with us, as we have never spoken to them. 

All we can prove is that they had an address that was outdated by 7 years.
Consumer complaint received 2017-03-29
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (OR)

Costco switched exclusive credit card companies in 2016 from XXXX ( XXXX ) to Citi. We had our XXXX card setup for auto payments and were n't getting a paper statement. At some point we changed addresses and did n't think to update the XXXX card with the new address ( why would we, we were auto paying ). When Citi took over at Costco we had a balance on our XXXX account get transferred to Citi. The Citi company says they sent a statement to our old address, but we never received it, nor did we receive a phone call. Over the next several months ( XXXX through XXXX I believe ) our account received approximately {$130.00} of late fees and interest charges. We were finally contacted by a debt collector in XXXX. The debt collector gave us a number at Citi to contact for dispute. Upon calling XXXX Citi informed us they could n't comment on the account, it had been locked out by legal department. Only way to get any information and have the account unlocked so they could help was to pay the debt collector. After several calls we decided to pay the debt collector even though we were unsure if our account had fraudulent charges ( again, we knew nothing about the policy to send our account balance to Citi ). Upon paying the Citi we called back to the dispute department. After several weeks our account was unlocked but closed. The dispute team could n't refund our money and said there was nothing that could be done due to our account being closed. We submitted a letter to dispute and it was ruled in favor of Citi.
Consumer complaint received 2021-12-11
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX, XXXX, XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.
Consumer complaint received 2020-06-21
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: Experian Information Solutions Inc. (PA)

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are the dates that letters that Ive sent out asking for original documents from the grantor about these accounts I contacted the courts and ask do they send out Information to 3party agency they sent me a letter in response No I forward this letter to the 3 agents and Im still having a problem
Consumer complaint received 2017-03-29
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (MD)

In XX/XX/2016, my father offered to pay my Citi card. He forgot when he had to have multiple back surgeries and the account fell a few months behind. I was never called, no letter received or email about the delinquency. I did not know my father had forgotten. My wife pulled my credit in summer of XX/XX/2016 and was shocked when she found how far behind I was. I immediately called in XX/XX/2016 and made a payment of {$100.00}. I also made a few more payments and enrolled the account into debt consolidation with " XXXX. " The contract with XXXX was accepted and signed by CITI before XX/XX/XXXX. The contract was ratified on XX/XX/2016. A payment had been made to CITI before XX/XX/XXXX. Another payment was made XX/XX/XXXX Payments have been made continuously since XX/XX/2016. The account is showing as Charged Off. I have been calling for months about this since I am actively paying the account and have been since summer of XX/XX/2016. Each month that I made a payment, CITI noted the Charge Off. CITI entered a contract to not charge off, accepted payments and terms they would not Charge Off the account. I have been calling for months and gotten atleast XXXX different departments who tell me different things. One says they didnt accept terms, another says they did but the charge off was before they accepted, another says there was an error on their part, and lastly the last phone center rep said that I was in PRE-Charge Off when the first payment was accepted. Reguardless, CITI is violating the terms of the debt consolidation agency, their own word and the law by accepting payments on an account that they claimed they never received funds for.
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I sent in a multiple inquiry removal letter on XX/XX/2017 in regards to XXXX hard inquires that are being reported on my credit report, they received the letter ( certified ) on XX/XX/2017 and they completed the request on XX/XX/2017 The XXXX hard inquires are not factual and I received the same response for ALL inquires, which was " Inquires are a factual record of file access. If you believe this was unauthorized, please contact creditor. According to FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states, that any information can be disputed and MUST be investigated. The fact that it took 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. Therefore I 'm submitting this complaint due to lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything.
Consumer complaint received 2017-04-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (TX)

Regional Acceptance failed to send me notice of the " insertion of negative information being submitted to the credit bureaus '' I sent a letter to Corporate making them aware that they violated FCRA 623 ( a ) ( 7 ) Negative Information / ( A ) Notice To Consumer -- ( B ) Time Frame Instead of acknowledging the intent of the letter which was pointing out the above law, they chose to take the letter as if I was disputing the " PAYMENT HISTORY '' I was NOT! This complaint would be a duplicate complaint if I was disputing the payment history. 

I called today XX/XX/2017 and management asked what law was I claiming they violated, he stated that it was a note in the monthly statement ( XX/XX/XXXX ), which do n't clearly speak about inserting negative information to the credit bureaus. Regional Acceptance was Obligated to send me a separate notice notifying me of negative information being submitted to the bureaus and failed to do so. The XX/XX/XXXX statement the manager mentioned was irrelevant, because by XX/XX/XXXX the negative mark had already been reported ; the statement notice " threatens that action would be taken '' It had already happened. 

This is not a dispute, I 've been deceived by this company into taking extensions without properly explaining repayment which is what played a part in putting me behind, and my rights were violated according to FCRA 623 ( a ) ( 7 ) Section A and Section B. 

ALSO UNDER FACTA LAWS, REGIONAL IS REQUIRED TO FURNISH ME WITH DOCUMENTATION REGARDING INFORMATION BEING REPORTED TO THE CREDIT BUREAUS. I CALLED XX/XX/2017 TO EXERCISE MY RIGHTS UNDER FCRA 623 ( a ) ( 8 ) The manager never got on the phone to speak with me. Sent messages through reps. 

DELETE THIS 1 LATE PAYMENT FROM MY CREDIT REPORTS ASAP
Consumer complaint received 2017-04-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: PNC Bank N.A. (FL)

This is a complaint against PNC credit card of business, the department of fraud has frozen my credit card in without warning me because there was a purchase from an account that was closed. I talked to the executive and i made my own research and I want to say that I did n't do those purchases. The executive has accused me of doing theses acts that i did n't do. I am a good customer to this bank and the last thing I want is problems with my credit card. I want to say that none of these purchases were made by me.
Consumer complaint received 2017-04-05
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CITIBANK, N.A. (NY)

My issue was I 'm trying to get financing loan for down payment purchase.thats why I try a lot of options like apply credit card but I do n't get.my story was last year and connected to bank and third party that have connection to make account on my name, apply loans, open credit card and mortgage etc.I dispute some not everything! as I know it 's not a single or one person because in my observations got connected to do so! I can tell the name if we need.
Consumer complaint received 2017-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (NY)

I applied for an apartment at XXXX in XX/XX/2013 & was denied. A year later, I got a collection letter from Hunter Warfield demanding money for not taking the unit that XXXX said I was n't approved for. 

I hired an attorney who review the case & sent Hunter Warfield a letter stating I paid {$150.00} for an application that was declined and I am not responsible for the {$520.00} fee. 

Luckily for XXXX XXXX I received a notice about a a Collection on my credit report that warned me of this.
Consumer complaint received 2017-04-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (NY)

*EXPEDITE* I have contacted the Ombudsman group numerous times regarding a loan that is listed on FedLoan 's website as having been borrowed and disbursed in 2012. I did not attend college in 2012, I did not apply for FASFA in 2012. There is no possible way that I could have a loan disbursed in 2012. I contacted the CFPB about this before and was refereed to the ombudsman group. FedLoan servicing said that all there info is correct but it is not. The ombudsman group website has been absorbed into the federal aid website and there is no way to check on an ombudsman group complaint now. Basically I 'm waiting to be sued by the federal government at this point so that a judge can help me. FedLoan servicing is literally ruining my life. I ca n't EVER get married or have children at this point unless someone solves this issue. FIX THIS NOW!
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I have recently been informed that there is negative information reported by Equifax, for a " Bankruptcy. ''. I sent XXXX, ( who Equifax reports as there CEO ) a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act of this " Bankruptcy. '' Verification meaning competent evidence bearing my signature. Equifax received my letter on XX/XX/2017. In my letter I requested for them to remove this " Bankruptcy '' from my report if they could not provide me with competent verification with my signature. I want this " Bankruptcy '' removed. Equifax did not provide me with any competent verification of this " Bankruptcy '' bearing my signature.
Consumer complaint received 2017-03-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (GA)

On XXXX/2017 I received a letter stating I owe {$110.00} for a medical debt. On XXXX/2017 I received another letter stating that my debt is delinquent and the amount is now {$110.00}. The original debt is {$59.00} that was cashed on XXXX/17 by the original company. Not only are they sending out letters but the amount of the debt continues to go up. I no longer owe on this debt.
Consumer complaint received 2017-04-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

To whom it may concern I written a complaint in the past in regards to Navient Case number : XXXX. I reached out to them again to see why my payments for the last 2 years have only been going to interest. Someone finally explained. I had interest i owed that i had no way of knowing about for XXXX. However Navient billed every month for the same amount. I was unaware of any unpaid or overdue interest i had to pay on top of my payment. I asked them how was i supposed to know this as i would have taken care of it. They told me that it was on my statement the send to my email. However they do not send statements to my email just payment notification of my upcoming payments that is due. On the email it tells me to login and view my statement. The instruction listed on the email does not apply to the site. I can not still find where you can view your actual statement. The gentlemen on the phone i talk to XX/XX/2017 XXXX states that the statement is attached to the email, which is not true as it give you instructions on how to get your statement, but that also is not true. I been paying interest to this company for the past 2 years. I was wondering why my balances was not going down. American Greed is real and this is sad, that people take advantage of you when you just trying to better your situation. The american dream feels like XXXX, the cost of freedom is high.
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CT)

I have asked Experian several times to verify a charged off account that is reporting on my credit report by sending me the documents they keep saying they have used to verify the account. It has been 30 days and they have again said the account is verified with NO PROOF of verification that I have repeatedly asked for. I would like this account removed from my account.