davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (SC)

This complaint concerns my tax bill/monthly payment for my mortgage company Loancare LLC. My tax bill was originally assessed higher as the previous owner rented out the home rather than living in it. I went to the tax office showed proof of residency and got a revised tax bill at the beginning of the year. I faxed this to the loan company and they never changed my monthly amount based on the revised tax bill. I followed up and they said they did not receive it, so I sent it to them again on XX/XX/18 to the e-mail address they gave me. No response. I followed up and they asked me to resend it so I did so on XX/XX/18. Same e-mail address was what was told to me. My monthly payment did not change. I called again and they asked me to resend it again and so I did so on XX/XX/18- I was told to send it to the same e-mail address. I stated in my e-mail that I wanted to ensure I was not defaulting on my loan due to my payment going up and me refusing to pay this amount since I had proof of my tax bill revised. No response. I then heard form my home insurance company that since I had not sent a payment in for my insurance, and I was going to go in to lapse coverage. I called Loan Care and they had no record of my home insurance. I started out with a different Loan company and they had that information and then all my information was forwaded to the new loan company so they should have had that on file. I finally got that resolved and had my agent reach out to them with the information. While I was on the phone for that, I spoke to a supervisor about my tax bill and she finally said she would look into it. Never heard back so I called again and the representative told me that because I did not have proof of this years tax bill, they could not change my monthly payment. I called the tax office and they said no one would receive that information until XX/XX/2018. So I asked how that it was possible I had to have proof of something in XXXX that did not exist? She said there was nothing she could do even though I had proof of the revised tax bill. I gave up and decided I would wait until I got my next tax bill as proof. I then got a letter in the mail on XX/XX/XXXX stating they had changed my monthly payment finally and that I would be receiving a check for the surplus money in my escrow account, which they did send me a check. The same day I got an e-mail from XXXX XXXX letting me know that my credit had gone down due to being default on my loan. I also received a letter in the mail that I was default. I have paid every single month and have proof of that from my bank. Every time I spoke to someone on the phone, they did not tell me anything about being late or delinquent. I have proof that I followed up almost every single month with a revised tax bill with no response. They have now effected my credit and are saying I did not pay one of my months even though I have proof I did. I have complained several times with no action. I know others are getting this treatment based on the online reviews.
Consumer complaint received 2022-12-15
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. (GA)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-15
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. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-12-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (MN)

I had a storage unit with XXXX XXXX  in XXXX. I had moved out of XXXX to XXXX  and couldn't go back to retrieve the items in storage. I was informed by them that if I had signed a release form releasing the content of the unit, that I should be ok from the time I do so. I had multiple communications with manager and they insured me that everything is ok. The manager told me that he had never received the release form that I signed and asked me to send it to him. After sending it, he responded to my email confirming that it was received. Few months later, I saw the collections account showing on my credit report. 

I am attaching the communication and the release form that I had signed back in XXXX.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

I 've attempted to freeze my credit record as recommended due to the recent Equifax data breach. 

I 've attempted by phone : By phone : XXXX ( NY residents please call XXXX ) and I 've attempted by website : https : //www.freeze.equifax.com Both avenues proceeded to collect all require data and after having gone through the process, attempt to submit and fail submission of the data. Why they collect data and then fail as opposed to informing others that their system is DOWN is beyond annoying and wasting time. 

Both processes suggest to 'try again later ' which I have and both failed on second attempts after once again going through the process of collecting data.
Consumer complaint received 2022-12-15
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: RAB, INC. (CT)

Enclosed is a fraudulent request for money under threats with information on where to send money. This place has called me numerous times and threatened my wife and XXXX  child. They have said that they have connections with XXXX an that if I do not wire them {$3000.00} they will have my XXXX  child given to XXXX  thru XXXX, threatened to ruin my businesses reputation, and many more threats beyond what they put in writing were by phone. I don't owe any debts and this is a collections scam. If this company is legal it needs to be shut the XXXX down for trying to collect on non-existent accounts thru collections fraud and thru threatening XXXX, my wife with XXXX and XXXX and me as XXXX XXXX XXXX XXXX  with XXXX. I want this filthy degenerate company to stop their scams and stay the XXXX away from me and family.
Consumer complaint received 2022-12-15
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. (GA)

I'm an XXXXXXXX XXXX XXXX. Experian credit reporting company is deliberately putting false social security numbers on my credit report that is causing great harm for me to get a new home! On XX/XX/XXXX, I reported a fraudulent social security number on my credit file to Experian! This is like the XXXX time sunce XXXX! CSR with Experian stated the fraudulent social security number was on my account since XXXX! I just was made aware of this fraud social security number when it appeared on my Experian app in XXXX. 

Their employee discriminated against me by leaving the fraudulent social security number on my credit report and removing my real social number! They did this deliberately because I am XXXX XXXX. I made repeated calls for this to be fix and each and every time Experian left the fraudulent social security number on my credit file! And refused to remove it! 

I requested Experian to remove my full middle name from my file because I do not like the name! I requested they use only my middle initial! They have refused to correct this! I do not want Lenders or creditors to know my full middle name. 

This discrimination has been ongoing with Experian! Their discrimination and racism towards me has caused me great financial harm! Now with this fraudulent social security number they placed on my credit report us causing me to become homeless! I am un the process of moving and the fraud on my credit file is the cause of this! I spoke to Experian since XX/XX/XXXX to remove the fraud social security number! Instead the left the fraud social security number and removed my actual and valid social security number! This was done deliberately because I am an XXXXXXXX XXXX XXXX! Please help me be compensated for this ongoing discrimination by Experian.
Consumer complaint received 2022-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

Subject : Loan # XXXX To whom it may concern : I received a letter from my old mortgage company on XX/XX/XXXX stating that my loan was being taken over by Specialized Loan Servicing LLC ( SLS ). On XX/XX/XXXX I called SLS because I did not receive any letters from SLS or notification of payment I was assuming at the time my payment was due on the 1st. I spoke with XXXX with SLS wherein she told me that she only saw that SLS has the loan but no other information. She advised that I should make a payment via the SLS portal but that someone would be calling me to introduce me to SLS within a few days. I set up a payment via autopay with my bank on the 6th, SLS received the payment and I set up another payment for the XX/XX/XXXX which has also been processed. 

Today, I got a notification from my bank that my account is overdrawn by close to {$3000.00}. Keep in mind that I have still not received ANY paperwork or the phone call that I was supposed to get last week from SLS. I called the bank to see what was going on and to my surprise SLS took money out of my account WITHOUT PERMISSION OR ANY DOCUMENTATION. So now I have sent you {$6000.00} - {$3000.00} WITHOUT PERMISSION and my account is overdrawn - 10 DAYS BEFORE XXXX!! In addition, after doing some investigation in their portal, I found that a payment was not supposed to come out until XX/XX/XXXX AND that I had requested it - which I never did. What kind of company is this? How extremely unprofessional. 

Further, I called XX/XX/XXXX and spoke with XXXX who had ZERO empathy for my situation and REFUSED to let me speak to a supervisor. Are you kidding me??? A customer who wants to speak to a supervisor should be able to do so - especially if trying to get to the bottom of a very bad situation. She told me that XXXX should have told me on the 6th that I was set up for automatic payment. I told XXXX that XXXX told me she has no information. 

I have been the person that has been proactive. What am I supposed to do??? I still have no documentation of my mortgage being taken over by this company, yet they have {$6000.00} of my money, and absolutely no employees that will help me. What a horrible organization. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2022-12-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (MI)

I transferred {$150.00} XXXX ( {$110.00} ) to a friend via Paypal using my credit card. The listed fees for such a transaction are 5 % of the transaction ( min {$0.00}, max {$5.00} USD ) I was charged a fee of {$8.00} USD ( $ XXXX ). 5 % of the transaction is {$5.00} USD, over the max of {$5.00} and well below the {$8.00} USD charged. 

There is no explanation for the fee but the terms of Paypal 's website are quite clear. It is a small amount we are talking about but if they are over-charging people on the regular, this is fraud.
Consumer complaint received 2022-12-15
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: CAVALRY INVESTMENTS, LLC (FL)

Cavalry Portfolio Services agreed to a settlement agreement and agreed to term and conditions, payment monthly terms and but still placed the collection account on all 3 credit reports. They agreed to the payments and balance agreed but yet placed a collection on all 3 reports for the original amount.I have disputed this with all three reporting agencies and they still wont remove it. That is not right and this needs to be removed they agreed to the settlement and terms and should be held accountable. They need to remove it from all three credit reports immediately.
Consumer complaint received 2018-11-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (NY)

A lady calling herself XXXX XXXX impersonated to be goverment official repeatedly calls me and my family Asking for my social security and bank info under the false pretense that I owe debt. She calls from the following number : XXXX ( EXT : XXXX ). I explicitly asked her to put me on the do not call list and she blatantly refuses.
Consumer complaint received 2022-12-16
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: Applied Data Finance, LLC (GA)

I am a victim of identity theft. Personify Financial is reporting to credit reporting agencies an account that I did not initiate as I have never made any business transaction ( s ) with this company. Attached is my Identity Theft report validating my position & I offer an Affadavit of Fact in rebuttal to be signed by Personify Financial that rebuts my position. 
While the burden of proof lies with Personify Financial, I am willing to pay any amount owed plus 75 % interest upon Personify Financial presenting a verified ( sworn under oath ) statement attesting to the validity of a debt owed.
Consumer complaint received 2022-12-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: General Motors Financial Company, Inc. (IL)

I went to the dealer, looking for a car ; I explained to the salesperson I was not working ; I just got a job, and he explained nothing to worry about. I was in the middle of a separation, and my vulnerable state made me believe in the right chooice. I never have the contract agreement or XXXX pages attached to this letter. I gave my XXXX savings when I found out the price was overcharge fees I disagreed with were added to the contract. I reached the dealer and claimed there was nothing he could do SINCE I could not understand why they gave me a loan when I barely could make money. I called GM last week, and the agent claimed GM couldn't release the credit application, which I believed was fabricated, for the sales since they never asked me for my tax or income records.
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (TX)

I applied for Wells Fargo Autograph visa. It took around 3-4 weeks for it to reach me. Already raised CFPB complaint for that. Finally got it. Now other issue- the credit limit is way too low for me - XXXX XXXXXXXX. When i called Wells fargo- they said that it's the combined one for all the credit cars with wells fargo. I have XXXX as XXXX XXXX and easily getting $ XXXX and $ XXXX kind of credit limit. Wells Fargo is really very adamant and troublesome bank- they keep the credit limit very low which makes credit card useless. 
Moreover there is no way I can buy something more than XXXX XXXX XXXXy adding funds into the account also. 
Why not wells fargo show us the credit limit at the time of application and the let the customer decide whether they want this card or not?
Consumer complaint received 2022-12-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (MD)

I attended the XXXXXXXX XXXX XXXX XXXX XXXX. During the year I attended I was sick and could not make it to classes. So I wrote to the dean saying i was sick and gave as much doctor proof as I could. I was suffering from XXXX, problems with XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I withdrew from classes. 
I had gone to XXXX XXXX  using the XXXX site and Maryland grants, loans and money from my job, so I made sure i paid all the money I owed. My account balance was XXXX half a year later I got a letter saying you owe around {$1600.00} including late fee. I called and asked them what this was about, they told me I failed to pay my student bills. To which I replied i don't even go to XXXX XXXX XXXX anymore. They explained how i was back charged certain amounts of money after i had stopped attending and I failed to pay. I asked why my first notification was a late fee, and why was i back charged when I owe nothing. They failed to give an answer, I called again 3 different times. I was told by the financial aid office to not call again, that they will call me on removing the late fee. 
I got no call and was served with a letter from debt collection from State of Maryland, XXXX XXXX and XXXX with the amount increased to XXXX. If I could not afford XXXX, what makes them think adding XXXX unfair fees to the amount will make it payable. 
I told the agency in letter to not contact me and investigate the debt. I called the college again to get a response that was tantamount to buzz off. 
The agency then proceeded to keep sending letter and garnish my state tax refund. which put me in a bad spot multiple time.. because pandemic and I work.. a minimum wage job. This also put me back on my hospital bills.. which created more years of debt I have been slowly paying off.. This ruined my credit record, and is ruining my life.
Consumer complaint received 2016-08-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Prospect Mortgage, LLC (CA)

My experience all started back in XXXX when I reached out to Prospect Mortgage to assist in a refinance. To make everything short, I was told to wait until XXXX to submit a refi as the particular lender they would use required a 1 year lapse since our purchase date. We went with their recommendations even though it usually only requires 6 months. We submitted everything in XXXX, and at that point were told that the 30 day close is now closer to 45-60 days to close. Again, we trusted them and went with it. Well come the 50th+ day I get a call saying that the lender will not approve the loan, even though I was told there would be NO issues what so ever. To say I was upset is being modest. So we changed a few things and resubmitted again to the same underwriter. I was told it would take about 30 days since they already had everything in our file, it was just a new loan #. Well here we are 50+ days out again and still have NOT closed! I have had no response from my loan officers for 3 + days. We received our initial closing disclosure on XXXX, which I have recently been informed that once you get those its 3 days until you can sign. Well its XXXX and I never heard anything on that closing statement, yet I received an updated one yesterday. Which now I have to wait another 3 days from this before we can sign and then another 3 days until it can fund. At this point I am hesitant that we will even sign anything this week. I was promised early last week that we would FOR SURE sign last week and fund this week ... clearly that has n't happened. I have had no communication from our loan officers in the recent days, and the communication in general is some of the worst. They have no regard to whats best for their consumer and no respect. From start to finish with this mortgage company it has been 8 months, and over 4 months since we submitted the refi!! My mom used them too recently with a horrible experience. 
I am questioning whether this is a legitimate refinance in my best interested and frankly need some answers on who dropped the ball and how many times it has happened now. I have reached out to the XXXX California rep recently but this does n't change what has happened in the past. I also feel they are hesitant to answer my questions on what went wrong and why, but I will do all my efforts to get to the bottom of this. I do n't think we will end up closing with them after all because I do n't trust it. They need to do something in best interest at this point and I will be going after them for monies spent on this loan. 
Also worth mentioning, the XXXX/XXXX/16 closing disclosure and the XXXX/XXXX/16 closing disclosure are EXACTLY the same, just different pro-rated dates because it didnt close the first time. Prospect did n't do their job clearly.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC (NY)

There are multiple hard credit inquiries that recently showed up on my report ( last week ) that I never authorized. 

These unauthorized hard credit inquires include the following XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries were never authorized by me and are adversely impacting my credit score.

Note that I am attaching a screenshot of all my listed inquiries but I am only disputing these 5.