davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE FIRM, INC., THE (FL)

The Mortgage Firm transferred my loan from one payment servicing center to another and changed my loan number. My loan remained with The Mortgage Firm. The Mortgage Firm has received and cashed my XXXX, XXXX and XXXX payments but they have not applied the payments to my loan. They have held my payments in suspense and are not responding to my repeated requests to have the payments applied to my loan. My XXXX payment cleared my bank on XX/XX/XXXX in the amount of {$570.00}. I provided XXXX at The Mortgage Firm with a copy of the cleared check on XX/XX/XXXX. I provided a copy of the cleared check to XXXX XXXX and Director of Loan Transitioning XXXX XXXX at The Mortgage Firm Corporate Office on XX/XX/XXXX. My XXXX payment cleared my bank on XX/XX/XXXX in the amount of {$570.00}. On XX/XX/XXXX, my bank, myself and XXXX at The Mortgage Firm conducted a conference call regarding my XXXX payment in which my bank told The Mortgage Firm that they had cashed my XXXX check. My bank stated they would email a copy of the cleared check to The Mortgage Firm. I emailed a copy of the cleared check to XXXX at The Mortgage Firm on XX/XX/XXXX and XXXX confirmed receipt. I provided a copy of the cleared check to XXXX XXXX and XXXX XXXX at The Mortgage Firm Corporate Office on XX/XX/XXXX. I provided XXXX XXXX and XXXX XXXX  the tracking number and XXXX confirmation of delivery of the payment from the old servicer to The Mortgage Firm Corporate Office on XX/XX/XXXX. XXXX is listed on the XXXX confirmation as being the person to receive the delivery and XXXX XXXX confirmed that she was the one who would have received it. My XXXX payment cleared my bank on XX/XX/XXXX in the amount of {$570.00}. On, XX/XX/XXXX, I provided XXXX XXXX and XXXX XXXX with the check number and date my check cleared. I received a letter dated XX/XX/XXXX from The Mortgage Firm stating that my account was delinquent. I have been told by XXXX that RESPA covers my payments until XX/XX/XXXX. Mr. XXXX has not returned my phone calls or responded to my emails. As of today 's date my account shows my payments in suspense. Mr. XXXX has failed to resolve the issue of my payments not being applied to my loan. Mr. XXXX and Ms. XXXX have both failed to respond to my repeated requests for the contact information for the regulatory department with oversight of The Mortgage Firm.
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act XXXX  account XXXX has violated my 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 instructions
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (AZ)

On or around XX/XX/XXXX I called them to discuss some late charges- there had been a system outage when I tried to pay my bill and u couldn't access the website portal to pay. They have excessive late fees, that are as much as the outstanding balance. I hadn't used my card in months but had a {$80.00} balance due to multiple late fees ( at least {$57.00} of that was late fees ). During the call they agreed to remove one late fee and I paid the remaining balance ( {$50.00} ). I was told this brought my balance to zero and even called back to confirm because the call got disconnected during the original transaction ( this dropped call issue has happened multiple times as well ). 

Today ( XX/XX/XXXX ) I got an email from them about my current statement, and when I checked it my balance was back up to {$45.00}. I didn't see how that was possible because I haven't used my card since XXXX and again I paid my balance in full on XXXX. Looking at my statement it shows there was still a XXXX balance after I made that payment on XXXX ( there should not have been because I paid the full amount they told me- {$50.00} ). I believe this means they never removed the late fee in addition to the {$50.00}, even though they said they did, which left me with an unpaid balance that then accrued more late fees, unbeknownst to me. I believe they are predatory in the way they charge late fees and make it confusing to simply pay your bill in order to avoid these late fees.
Consumer complaint received 2021-01-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/2021, I mailed a letter requesting a method of verification for inaccurate items that were claimed to have been verified. It has been almost a month and I have not gotten a response.
Consumer complaint received 2022-05-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (PA)

I owe Nothing to Penn Credit Corporation. The debt was with A medical provider under contract with my insurance carrier. The provider was paid the allotted amount under the contract. 

Penn Credit is attempting to collect a fraudulent Debt thats is not owed.

Furthermore Penn Credit has impacted my Credit score.
Consumer complaint received 2021-01-27
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SYNCHRONY FINANCIAL (CT)

I received a debt collection notice regarding a bank I do not have an account with Synchrony Bank ), I believe this is a fraudulent mailing- dated XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I am invited to 'pay with cash at XXXX and & - XXXX XXXX  '' in the amount of {$2500.00}
Consumer complaint received 2022-09-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (UT)

I leased a XXXX XXXX XXXX XXXX in XX/XX/XXXX. On XX/XX/XXXX I overnighted a check vis XXXX tracking # XXXX which paid off the lease in full in the amount of {$28000.00} and received a overpayment refund of $ XXXX shortly after the payoff. I have been waiting on the title since then. I have called US Bank XXXX times in the past month and they continue stating that they have communicated with the XXXX that the loan has been paid off and that they sent the Title on XX/XX/XXXX after many times of stating that it was sent prior to that date. After waiting another week, I called the Utah XXXX and they state that US Bank has not communicated with them that the loan has been paid off and that the title is still in the XXXX 's name. 

I am trying to sell this vehicle and without the title I am unable to do so. Every day this sits I am losing money as cars are depreciating daily. 

I really need this title ASAP and this is my last resort.
Consumer complaint received 2021-01-27
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)

Good morning, Beginning XX/XX/XXXX, I am been writing XXXX, XXXX, and Equifax to dispute inaccurate information on my credit report and asked them to validate the accounts. I have also asked them to investigate the accuracy of several specific items by providing proof of the debts that I owe. XXXX  responded only with " everything was verified and accurate ''. 

As of today, XX/XX/XXXX I have sent them multiple letters and they have only replied with a " verified '' and no additional information or a description as to how the accounts were verified or included the response from the debt collectors
Consumer complaint received 2021-01-27
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (CA)

I had a 36 month lease for a XXXX  XXXX XXXX XXXX through Ally Bank. 
At the end of the lease term, they came out and checked out the car for damage, mileage etc. In the end they sent me a bill for {$1900.00}. I agreed with {$850.00} of the charges and disputed the difference. This dispute took several months to resolve but in the end they agreed with me and my back up that was sent to them They were trying to charge me for color paint mismatch. I took my car after an accident to a XXXX authorized auto body to make sure I would not run into this type of issue. It was not my fault if their auto body messed up on paint matching. For the record- your could not tell there was any mismatch but that is besides the point. When they finally agreed with me, they sent me an invoice for the {$850.00} and I paid right when I received it. Since this incident I have been trying to secure credit on a rental property when my broker noticed that my credit score went down more than 100 points. I could not believe it. He advised me that it had to do with Ally Bank. They sent a derogatory report to the credit bureaus calling the reduction of the invoice a charge off. This situation is not due to a charge off. I filed a dispute with Ally Bank on XX/XX/XXXX and the situation has yet to be resolved. My interest rate if I should want to secure this loan now has increased by over 1.5 % which is astronomical. I would like to get this resolved ASAP but after calling over ten times nothing has moved or changed regarding my credit. I need help.
Consumer complaint received 2021-01-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

XXXX, Transunion and XXXX  have overused their roles of being consumer reporting agencies. With unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCP
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Please update my current address to the following. I have included a copy of my Driver 's license I also want an updated credit report. 

XXXX XXXX  XXXX XXXX, Apt XXXX XXXX, Texas XXXX
Consumer complaint received 2021-01-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

Navient offered me an income repayment plan. But refuse to accept my application without my spouses signature, although my spouse is has never been on the loan. We file jointly, but my spouse is on Social Security and retired. I feel if my spouse signs anything that Navient will make my spouse responsible for the loan. Also mine is not a student loan but a parent plus loan originally. And my spouse has never signed anything for this and has no part in this loan. I have been trying to work with Navient on an income repayment plan since XX/XX/2020. In XX/XX/2020 I filled out an application and submitted my income proof, and was told that my spouse would not have to provide anything. Due to the FACT my spouse has nothing to do with this loan. 
But now they want him to sign the application also after I was told in XXXX by a Navient representative that my spouse did not have to sign or submit anything. Obviously they changed their story, or policy. Navient also calls me more than 3 times in a 24 hour day and leaves no message. They are harassing me.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

On XX/XX/XXXX I sent proof to Chex Systems of the reporting error showing a different account closure date and different account balance. Their response was a confirmation of their original reporting, and a contact address for the creditor, which was incorrect. 
I sent a certified letter to the creditor with the same proof of the error I sent chex systems, but my letter came back as a bad address. The other address Chex systems listed for this creditor is also incorrect. I am not able to submit my proof to the original creditor and this remains an item on my chex systems report despite, me providing proof it is incorrect. 

This error is extremely detrimental, costing me jobs, loans and the ability to open a checking account. I need it fixed immediately. Chex systems has taken over 75 days to address this issue and it is still not fixed. 

The other party wrongfully reporting/verifying this debt is XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-01-04
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)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-01-27
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

The last active date is reporting inaccurate on all 3 credit bureaus, account is reporting false information, date of last payment is reporting inaccurate, the credit limit is reporting inaccurate, also reporting a balance on a closed account this is a violation
Consumer complaint received 2022-09-22
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: Experian Information Solutions Inc. (NY)

I applied for one personal loan and received multiple hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I am identity theft victim. I do not recognize these accounts. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Consumer complaint received 2021-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Upon checking my credit report. I have noticed that there are several items still remaining on my credit report even after sending in supporting documentation that these accounts are a result of identity theft. I have never lived at XXXX XXXX XXXX XXXX XXXX, SC XXXX or XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX these are addresses used by the perpetrator. I have made several attempts to have them listed as fraud and blocked from my credit report, but still get the run around about this issue.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (CA)

I was contacted XX/XX/2021, and spoke with XXXX XXXX of XXXX XXXX XXXX in XXXX, CA. He said I was being sued for a credit card debt by Wells Fargo for is {$11000.00}. He was verifying if I am the person on file, and said that I was being named as a defendant in a lawsuit for the above amount, by Wells Fargo. He had a lot of correct information about my current address, former addresses, my employment, and family member names. He gave me the credit card account number, and dates it was opened and closed. I denied that the credit debt was mine and he said I may be a victim of fraud. However, since I confirmed I was the person on file, they will move forward with the lawsuit and begin the process of wage garnishment. I contacted Wells Fargo and they have no record of any credit cards in my name or under my SSN. I believe this company is fraudulently trying to collect money using the threat of lawsuit.
Consumer complaint received 2022-09-22
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. (GA)

There are currently credit inquiries listed on my report that were not authorized by me : XXXX, XXXX XXXX XXXX, XXXX ( Equifax ) XXXX XXXX XXXXXXXX XXXX, XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) Equifax Mortgage Ser XXXX XXXX, XXXX ( all three bureaus ) XXXX XXXX  XX/XX/XXXX ( all three bureaus ) I did not authorize or benefit from these inquiries.
Consumer complaint received 2020-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

I have requested that the mortgage company remove my escrow account. According to the terms of my mortgage, once I have more than 50 % equity I do not need to maintain an escrow account. My current balance is under {$14000.00} on a home valued over {$180000.00}. I have repeatedly called and communicated in writing with the mortgage company to cancel my escrow account. I have not had any appropriate communication from the company. When I call, I am told the person can not help me, but that a supervisor will call me back. In the 7 months that I have been complaining to the company, I have not received one call back. The last notice was sent electronically with encryption, and the company failed to provide an encryption password, so I have yet to read a notice almost a week old. 

Currently the company is charging me XXXX per month on escrow. This is more than the XXXX XXXX XXXX payment, and they have not responded to any requests for correction.
Consumer complaint received 2022-05-01
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

My home loan with US Bank was in a forbearance period due to COVID-19. I obtained a 6 month forbearance. The forbearance period ended on XX/XX/2020. I contacted the lender three times in XXXX. On XX/XX/2020 I was approved for a PAYMENT DEFERRAL MODIFICATION. I chose that the 6 months of forbearance mortgage payments to be added to the end of the loan period. I also let them know I was ready to resume regular monthly payments. I let them know that I did not want to refinance the loan nor was I seeking mortgage assistance. I was informed that I would receive documentation in the mail noting the approved payment deferral modification and that all would be settled responsibly. Furthermore, that the loan status would change and that the loan would not appear in forbearance any further. 

This did not happen. I have not spoken with 20 different bank employees in their Loss Mitigation Department ( XXXX ext. XXXX ), on 10 separate phone calls. 
Every time I call, they give me a different response to the situation. I tell them that I have already been approved for the solution that was agreed upon and that I just want to complete the process so that my loan status changes to NORMAL. They always tell me that the problem was that one of their employees gave me erroneous instructions and that there is a loan assistance application is in their computer system. That this erroneous application needs to be deleted from their computer system so that the agreed upon loan payment deferral modification can be completed. They promise that they will complete this task within a few days but it is never completed. I ask to speak with a department manager and they tell me that they don't speak with the public. I ask them if I can speak with the person ( s ) that are responsible for deleting this erroneous application from their computer system. They tell me that those people don't speak with the public. I ask them if they can delete this erroneous application file from their computer system and they say that they don't have that type of access to their computer system. I have run out of options hence, why I am filing this complaint.
Consumer complaint received 2022-09-27
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.