davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-09
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP (OH)

In XXXX, XXXX, we were struggling to pay our mortgage and requested help from U.S. Bank. On the Mortgage Assistance section of the website, I asked for help in pausing our mortgage payment. It said something about pausing my mortgage payment for a few months. 

At the beginning of XXXX, I lost my job. I had intended on catching up on the mortgage over the summer ( due to my husbands soccer camps which bring in extra money ), but the loss of my income changed that. See enclosed Unemployment Application. 

On XX/XX/XXXX, I submitted the Mortgage Assistance Application via email. 

On XXXX, I started a new job. But wouldnt get a first paycheck until the end of XXXX. 

On XX/XX/XXXX I submitted the Loss Mitigation Correspondence XXXX XX/XX/XXXX I made a payment towards the mortgage. 

On XX/XX/XXXX, we signed the paperwork to finish the partial claim. 

We feel like we have done everything correct in reaching out, explaining our problem, and trying to make it right. I have reached out multiple times to get them to remove the negative from our credit report. 

We are just asking you to remove the late payments to our credit for XXXX, XXXX, XXXX and XXXX. We honestly dont know what else we could have done differently to communicate with you. That ding on our credit will hurt us even more.
Consumer complaint received 2024-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (CA)

US Bank has locked me out of account access. They have done so without explanation, and a customer service representative refuses to help, or even give her name. This bank XXXX  incompetence like XXXX from a XXXX  XXXX. They have no business using the XXXX platform or handling anybodys money in a checking account or savings account. The account security is nonsensical, the customer service is nonexistent, the prospect for a good customer experience is exactly XXXX. Regulators should put this bank out of its misery and shut it down.
Consumer complaint received 2023-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (NJ)

I called Navy Federal to ask a question about my credit card and was asked to provide my access number or my social security number. Now they are never supposed to ask for my full social but the last 4 digits if I decide not to use my access number. So I recently learned that due to consumer law I do not have to give my social security number. I have decided to give my access number which should provide all of my info. Then they ask for my address and date of birth and again my full social security number. Even when I dial in the automated systems tells me to enter my access number or my full social when calling in. So, with doing that all my info is supposed to show on the representatives screen without asking for my access number nor social Secuity number. They are not even supposed to ask for the last for digits of my social because everything is right there on the screen. 
So when I told them I would not supply my social security number it became a big thing and I was told that if I don't give it they would hang up on me. I asked to be transferred to the supervisor they hung up on me. I called back and asked for the supervisor and she also became nasty and told me she couldn't help me if I didn't supply my social security number. I said I gave you my access number and told her I think I was being racially profiled. I called back and got a rep who said as long as I type in my social it will manifest on the screen. I should not have called in to ask 1 question that could have taken 5 minutes or less but I has to call 4 times and it became an argument with workers who are not knowledgeable or racially profile me for ss # when I get XXXX XXXX reps they say I am verified on the screen but when I get XXXX reps they always want my access number and social security number. 

Isn't there a law stating I don't have to give my social over the phone. I don't feel comfortable with giving my social security number # over the phone with people working from home especially the ones who are very nasty in personality over then phone.
Consumer complaint received 2024-10-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (SC)

I paid my rent to XXXX XXXX XXXX  each month when I lived there. I moved out and paid them {$4200.00} in move out fees to settle the debt. Now they are saying I owe more. I settled the debt
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NJ)

My student loan in the amount of XXXX came off and my score didnt even budge! it's stagnant wont pass XXXX at all I dont know how or what else to do to bring it up this is a total farce and needs to be investigated because when my bills were current and up to date the score stayed the same and it's unacceptable! its a complete run around and when you ask questions you dont get a serious answer what's the purpose of a credit report it serves no purpose at all
Consumer complaint received 2021-11-26
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. (TX)

Complaint : ( XXXX XXXX  XXXX XXXX XXXX XXXX Bank account # XXXX*has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX XXXX XXXX XXXX XXXX XXXX Bank to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b. Experian, XXXX, and XXXX XXXX must remove all information reporting from and relating to ( XXXX XXXX XXXX ) including third party debt collection accounts associated with ( XXXX XXXX XXXX ) because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b.
Consumer complaint received 2021-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There is a unknown account on my credit report under XXXX. I do not have a contract with this company! There is a fraud alert on my credit report that states to contact me before opening account. Please investigate and verify. If you can not validate the above account, I am requesting that you delete them immediately. I appreciate your timely response in this matter.
Consumer complaint received 2020-07-01
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: URS Solutions, LLC (CA)

XXXX XXXX contact number provided was XXXX from URS Solutions has been harrasing me with calls, threatening to garnish wages, take me to court. He called my place of employment 4 times after i asked him not to call my employer since i can not take personal calls. He failed to provide me a validation letter and bully me to provide payment information right away.
Consumer complaint received 2020-07-01
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)

The name XXXX XXXX XXXX appears on my credit report I called XXXX XXXX and they became XXXX XXXX in XXXX They are aware that this XXXX XXXX XXXX is a fraud and trying to collect debt that does not exist from consumers My credit report says this account was opened on XX/XX/XXXX The amount they say I owe is {$110.00} Please contact me at XXXX and please stop this fraud from happening to me and others. 

Thank you XXXX
Consumer complaint received 2024-12-09
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WI)

I have had a credit card from Best Buy for about 10 years. This past XXXX they started charging {$50.00} per yaer. They actually started the year before but I had not noticed. My bank changed credit cards so Best Buy could not get thier payment automatically. So they sent me a paper bill. I told them I no longer wanted thier card, but they said the charge was already made so therefor I have to pay. I told them to cancel the card, but they said the charge was already made so I would have to pay. 

Any way I will not pay, thats not the problem, but I don't think they should be able to secretly start charging then keep the charge even after I canceled. Also I have not used the charge card since XX/XX/year>. 

Also I lost the card years ago. I have no idea what the card number was.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Im honestly stunned to see inaccurate accounts on my credit report today, and I cant figure out the reason for it. I check my credit report regularly, and its always been accurate until now. I refreshed my browser, thinking it might just be a loading issue, but the errors were still there. Because of this unexpected issue, Im requesting a thorough review of my documents so I can put these concerns behind me for good.
Consumer complaint received 2024-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (MN)

I have been eligible to have pmi removed from my loan since XXXX, but they keep giving me run around and never send me information. I keep getting brushed off and ignored... meanwhile, I am charged every month for pmi. They first always tell me that I don't qualify, then I have them transfer me to a supervisor, who tells me that it just takes time and is pending.
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/1976 SS # : XXXX To Whom It May Concern : I am sending this request to investigate the inaccurate information on my credit reports. I have attached a screenshot of the account, and the inaccuracies are circled. The Date of Last Activity reported has 3 different dates reported with TransUnion, XXXX, and XXXX. ( Please see Image Attached on 2nd Page ). How am I to know which bureau is actually reporting correctly? Due to these inaccuracies, this account is not FCRA Compliant, and there are other inaccuracies that are not exposed in this letter that would deem this account in violation of the FCRA. In resolving this matter I am requesting that this account be deleted ASAP. I also request that you please send notices of corrections to anyone who received my credit report in the past six months These are all inconsistent over XXXX, TransUnion, XXXX. It is evident that the inaccurate information is a mistake on either your part or the reporting creditors part. I am politely asking that you delete it from my profile, and I believe 20 days is more than enough time for this to happen. Thanks in advance 1. Incorrect Information XXXX XXXX Account Number : XXXX Delete it from my credit report immediately 2.Incorrect Information XXXX XXXX XXXX XXXX Account Number : XXXX Delete it from my credit report immediately 3.Incorrect Information XXXX XXXX Account Number : XXXX Delete account immediately The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.
Consumer complaint received 2021-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MO)

I refinanced my home in XXXX of XXXX and Paid off XXXX in XXXX around the XXXX. 

At the time of payoff XXXX  collected my XXXX Property Taxes in the Payoff The title company also paid my XXXX property taxes at close and the title company 's payment for the XXXX property taxes was received first XXXX County. I became aware of this on our about XX/XX/XXXX, so I contacted XXXX County and XXXX XXXX on or about XX/XX/XXXX, they said they could not find the payment return and they would search for it, then I called again around XX/XX/XXXX and they could not give me much information. I called on XX/XX/XXXX and spoke to XXXX in the escalation department and I spoke to XXXX on XX/XX/XXXX in the escalation department. 

XXXX did say they are working on this but it could take 6 to 8 weeks to resolve this, this is a violation and by law they have 30 days to issue the escrow refund, they are approaching 90 days. XXXX also said he was aware this is illegal for them to hold my escrow refund for more than 30 days XXXX XXXX/PHH Mortgage Owes me {$2200.00} for an escrow refund. 

PHH Mortgage ServicesXXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (AL)

On XXXX XXXX, 2019, the property associated with this mortgage was placed on the market to be sold. On XXXX XXXX, two days later, the property was placed under contract with the closing date set for XX/XX/2019. At this point, the lending agency, Rushmore, was contacted to ensure closing protocols were in place. An inquiry was made concerning the upcoming XXXX mortgage payment. We asked if the final payment that would be made upon closing would suffice in lieu of XXXX 's mortgage payment. We also asked if this would create a negative report on our credit. We were assured by Rushmore that the final payment upon closing would be acceptable and that no negative report would be made showing a missed payment. As such, a final payoff amount was requested to complete closing paperwork. However, Rushmore failed to submit the final payoff as requested by both the loan holder and the closing attorney. This resulted in a delay in payment. Upon closing, the closing attorney secured an anticipated payoff amount from the purchasing lending agency and held all funds awaiting Rushmore 's response. Numerous requests were submitted by both us ( the loan holder ) and the closing attorney. We were informed by Rushmore that the payoff amount could not be emailed nor provided over the phone. It had to be faxed, which they failed to complete. After weeks of repeated attempts, the secured payment that was being held was finally made and we were assured that any overage would be reimbursed. In addition to the delay, Rushmore, in turn, reported missed mortgage payment ( s ) causing a negative impact on our credit score. As of recent, we are still receiving notices and mail at our current address offering assistance with our missed mortgage payment ( s ). This is quite disheartening since the advanced notice was provided. We have never missed a mortgage payment. Throughout the duration of this loan, we have included additional money in attempts to repay this debt in advance. We have worked hard to maintain an upstanding credit history and feel that the reporting and current credit score does not reflect the efforts we have put forth. We have contacted Rushmore on several occasions and have been assured that our file will be noted to reflect the most accurate information. However, little effort has been made on their behalf to depict accuracy in this matter. We are requesting reparation be made to ensure our credit score to repaired to reflect our diligence towards this account.
Consumer complaint received 2020-11-28
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: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-02-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (CO)

WestLake Finical continues to alter my interest rate as I continue to make bigger and bigger payments. They are not charging me according to my loan, but increases my rates when I make extra payments. 

For example, in XXXX of XXXX I made extra payments and I was charged : + {$120.00} in interest. In XXXX I was charged + {$71.00} in interest The last payment I made on XX/XX/XXXX, less than 15 days after the last payment made on XX/XX/XXXX, was charged almost {$25.00}, about {$1.00} per day. The payments before that charged at {$0.00} per day. 

I have a fixed interest rate but as I continue to make extra payments, they alter the interest rate that I have to pay. They are not applying the extra payments towards principle and stated they cant apply extra payments towards principle. I am nearly 2 years ahead of my payments and I believe I would have paid off my car by now, if they had not continued to change my interest rate based on my payments and extra payments. 

Another example : XX/XX/XXXX I Mae the 4th payment in one month with a balance of {$3400.00}. I made a payment on XX/XX/XXXX in the amount of XXXX. Due to the increase in rate, the current balance is {$3000.00} because they charged me {$24.00} in interest and only {$420.00} went towards principle. But that was the FOURTH payment in the month of XXXX.
Consumer complaint received 2024-11-16
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: TRUIST FINANCIAL CORPORATION (GA)

I took partake in a consumer transaction that lead to being a fraud contract. The truth in lending act was clearly violated. I bring this to ther attention and instead they repoed the car which is my collateral due to a breach in contract Consumer law states ( 2 ) Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest. If the creditor has delivered any money or property, the consumer may retain possession until the creditor has met its obligation under paragraph ( d ) ( 2 ) of this section. When the creditor has complied with that paragraph, the consumer shall tender the money or property to the creditor or, where the latter would be impracticable or inequitable, tender its reasonable value. At the consumer 's option, tender of property may be made at the location of the property or at the consumer 's residence. Tender of money must be made at the creditor 's designated place of business. If the creditor does not take possession of the money or property within 20 calendar days after the consumer 's tender, the consumer may keep it without further obligation.

This is what Im asking by law my down payment back my security interest my collateral which is my vehicle and a vehicle is sold I would like the total value of the car given to me.
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: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX XXXX XXXX Simple # XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX # XXXX ) 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2020-11-28
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: Experian Information Solutions Inc. (IL)

I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the XXXX data breach and might have got to the hands of the wrong people.