davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

XXXX/XXXX/XXXX Reference Ditech # XXXX Old account # XXXX A notification was sent to me on around XX/XX/XXXX. explaining that my escrow account was under funded by {$460.00} and that the shortage would be collected over twelve months if I did not make payment prior to the 30 days of the time the notice was sent out. I made the payment within the timeline requested, But Ditch continues to charge and collect that fee divided by twelve months of {$38.00} I disagree with calculations about my escrow account being underfunded. Because I was issued a check last year because it was over funded. 
On or around XXXX XXXX I wrote requesting an explanation of why my mortgage payment was increased. I have a fix rate mortgage and the cost of my homeowners insurance and real estate tax bill have not increased. 
Ditech sent a follow up letter on XXXX XXXX. XXXX stating that my inquiries are being reviewed and a written response would follow in 30days. A second letter was sent on XXXX XXXX XXXX stating that there is an ongoing investigation in an effort to resolve the issue of overpayment of mortgage fees and in accurate escrow calculations. 
A third letter was sent on XXXX XXXX, XXXX explaining my right to cancel PMI. This letter and information does not apply to me. I met the requirements to have my PMI canceled in XXXX at which time it was cancelled. So my mortgage does not include a ( PMI ). I am not sure if this letter is an effort to justify why my mortgage payment was increased. 
Addditonaaly, My billing statement for the month of XXXX XXXX included a fee of {$4.00} that is unexplained. 
I have made numerous attempts to inquire about the over charges that have continued since XXXX XXXX with customer service via phone at Ditech. Each time they refuse to give me any information about my account. I was informed that the account has a notation that customer service is not to talk to me. 
I make a payment of {$800.00} dollars monthly for my mortgage payment that was {$700.00} prior to Ditech adding additional fees to my mortgage making it now be XXXX. The additional funds from the {$800.00} was to be applied to my principle {$97.00}. The overage in fees changes and interferes with pay down of my mortgage because the correct amount is not being credited to the principle. 
Thirty days has passed and Ditech not offered any resolution to my complaint. And again I can not get anyone to discuss the matter over the phone. 
I want all the extra monies that was not appropriated correctly to the principle of mortgage to be credited to accurately. I want the {$4.00} charge that is not explained to be credited to m principle. I want the extra fees that are being collected for escrow account to be excluded from my mortgage payment.
Consumer complaint received 2017-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CA)

I have had this loan for 18 years which first was {$2000.00} student loan it is now XXXX Navient traps you into a loan that is unpayable. The daily interest is charged to this loan i have tried to convert this into a fixed rate which they do not do. I need help understanding why i owe XXXX XXXX my loan in interest.
Consumer complaint received 2017-12-27
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: General Motors Financial Company, Inc. (FL)

I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

Sincerely XXXX XXXX
Consumer complaint received 2017-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PROSPERITY BANCSHARES, INC. (TX)

OnXX/XX/XXXX I attempted to use my Debit card associated with my Business Checking account under my Business account with Prosperity Bank, TX and was denied, I know there was cash in that account because online banking said it was there. I also attempted to use the card again to purchase gasoline to see if the 1st vendor 's machine had a problem but was denied again. On XX/XX/XXXX, I called my bank officer who found out that their credit card vendor said I had not used the card in 45 days and it was closed for non-use which is a lie since I used the card on XX/XX/XXXX and again on XX/XX/XXXX with no problems. She can not fix this corporate problem so I called for XXXX XXXX XXXX, XXXX of Prosperity Bank and was told he was in a Loan Committee meeting and XXXX, his secretary, would pass the message along have him return my call which he has not done to this date.
Consumer complaint received 2017-12-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (FL)

On XXXX/XXXX/XXXX my XXXX XXXX Account XXXX, with BMO Harris was closed with a balance of {$620.00}. I did an online chat with them and they said a check would be coming in the mail with 2 weeks. After 3 weeks I once again started a chat and they said to give it until the end of XXXX. Still no check. Just recently I called BMO Harris last week and was transferred over to a person who handles the checks but was not as her desk so I left a message. My message was never returned. It 's been almost 2 months and I am missing my {$620.00} from my closed bank account.
Consumer complaint received 2017-11-17
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. (SC)

Transunion closed collection accounts after I requested validation of the debt on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX the information was placed back on my credit report. No proof of validation for the debt was given. Only a letter stating that the debt was validation. I requested copies of what information they had on file to validate the debt. That information was never received and its beyond the 30 day mark.
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (NY)

my name is XXXX XXXX my social security number is XXXX my membership with XXXX XXXX XXXX is XXXX and my date of birth XX/XX/XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX i have XXXX XXXX in which i get a free credit score every month. my complaint is that theirs a system problem on my membership, when i see my credit score summary it keeps telling me that i have an account that 30 days late indicator but when i look at my credit report from experian or talk to a live rep in experian disputes department at consumer affairs department they tell me that theirs no negitive information on my credit report. i also address this to membership coustomer service several time along with experian consumer affairs department that their a problem with my XXXX XXXX membership number XXXX that every time i look at the summary of whats affecting my credit score it keeps giving me wrong information that i have an account thats past due. but when i look at my credit report it dosnet show any negitive account on file. also when other creditor putll my report through experian it also shows on their end that i have a past due account, then i have to have the creditor look at my creit report manully with out the score summary and they relized that they made a error and mannaully approve my appilcation, please take action against experian XXXX XXXX for damages, reason is that they havent fix the problem in their XXXX XXXX data base along with their core data base by removing that negitive indicator that show on my credit report in the XXXX XXXX  data base, im geting the run around with this XXXX XXXX XXXX  customer service tells me that experian disputes department consumer affair has to correct their data core main base that send the information to XXXX XXXX data base. but that not the case here, then when i call the other department at XXXX XXXX im going in circles here. this is affecting me when i appiled for credt, because when other companies pull my experian credit report it keeps telling them that i have negitive account, but i dont have any negitive account on file, and i should not have any at all. so please take action and have experian remove that negitive indicator thats showing in my score advantage summuray and XXXX XXXX summary too.
Consumer complaint received 2017-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I have contacted XXXX, experian and notified them that there where several unauthorized inquires on my credit and for them to remove them. First they did n't even care to help me over the phone and just told me I had to file the removal online and also call the creditor to try to remove the inquires first. But over and over I told them that it was unauthorized and I should n't need to do there job for them and that it was there job to remove it. 

I will list the inquires at the bottom that where not done by me and shame on XXXX and experian for trying to ruin my credit. 

XXXX XXXX Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number BYMAILONLY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number BYMAILONLY Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date FiledXX/XX/XXXX Type Complete Department Stores Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

On the XX/XX/XXXX i sold a part of my bitcoin capital to Coinbase ( https : //www.coinbase.com ). Coinbase has something called a 'EUR wallet ' which is something where your funds go to after selling. This happens instantly and after that you can withdraw the funds to your local bank account. It also works the other way around : you can send funds to the 'EUR wallet ' and after the deposit ( which takes 'x ' days like the withdraws ) it appears in your 'EUR wallet ', then you can buy bitcoins,  litecoins  or etherium with it. Now, what i had was XXXX euro in my EUR wallet. With transaction fee included it 's XXXX euro. On the XX/XX/XXXX my bank account was verified by Coinbase so i decided to transfer the full XXXX to my bank account. The transaction was confirmed and got an e-mail that funds will be send and will be received on the XX/XX/XXXX. A few days later the message appears on the Coinbase website that i could take up to 5 more business days for a transaction to appear in your bank account. That 's not a problem and i fully understood it because the selling volume went through the roof. On their site they say it will take up to 2 business days to transfer the money with a SEPA transaction, but if we add up the extra 5 days it equals to 7 days. If i submitted my withdraw on the XX/XX/XXXX and add 7 days to that we find that the XX/XX/XXXX should be the glorious day of the money coming into my bank account. However, today we are the XXXX ( day this was written ) and yet nothing has changed. The transaction status is still pending and if i check other forums i find other people with the same problem as me.
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

RE : Report number XXXX, XXXX XXXX, 2016 Name IDs : XXXX, XXXX, XXXX My Experian Credit Reports not only an incorrect report of unpaid fees from a collection agency, XXXX XXXX XXXX XXXX, for a company named XXXX XXXX XXXX XXXX XXXX, but repeats this as over a half dozen unpaid fees. All of these fees had been paid at the time of service, as was strictly required and payment enforced before service performed, but due to the service provider 's sloppy record keeping, the business did not properly record the payments, while it 's fastidious policy of requiring payment on the spot insured non-payment would not happen. I am not only upset at their erroneous reporting, but their maliciously reporting their claim multiple times as if they were a multitude of credit incidents making their damage to my credit as though a multitude of creditors for their small ( approx. {$20.00} ), individual payment required at the time of each service. 

I refer specifically to their repetitive entries on my credit report : Account number - XXXX Account number - XXXX Account number - XXXX Account number - XXXX Account number - XXXX Account number - XXXX Account number - XXXX Not only are these maliciously reported multiply repeatedly to accumulate undue overstating and degrading of my credit, each and everyone are false reports of already paid fees which are improperly being claimed!
Consumer complaint received 2017-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have contacted transunion, XXXX and notified them that there where several unauthorized inquires on my credit and for them to remove them. First they did n't even care to help me over the phone and just told me I had to file the removal online and also call the creditor to try to remove the inquires first. But over and over I told them that it was unauthorized and I should n't need to do there job for them and that it was there job to remove it. 

I will list the inquires at the bottom that where not done by me and shame on transunion and XXXX for trying to ruin my credit. 

XXXX XXXX Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number BYMAILONLY Address XXXX XXXX XXXX XXXX XXXX  XXXX Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number BYMAILONLY Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Complete Department Stores Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

There are 5 hard inquiries on my experian credit report that were to be removed. I tried to submit the dispute online but experian would not let me on to dispute the information. The first inquiry that was supposed to be deleted on XX/XX/XXXX! is XXXX XXXX the inquiry was made on XX/XX/XXXX removal date was to be XX/XX/XXXX. Next inquiry is XXXX XXXX XXXX XXXX XXXX Arizona that inquiry was made on XX/XX/XXXX removal date was XX/XX/XXXX. Next inquiry is XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx that inquiry was made on XX/XX/XXXX removal date was to be XX/XX/XXXX. Next inquiry is XXXX  XXXX XXXX XXXX XXXX XXXX Nebraska that was made on XX/XX/XXXX removal date was to be XX/XX/XXXX. Next inquiry is XXXX XXXX XXXX XXXX XXXX ny that inquiry was XX/XX/XXXX removal date was to be XX/XX/XXXX all of these inquiries are still reporting and have not been deleted
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (ME)

Once again, being like 2016, equifax is not allowing disputes to be filed on line and just like in 2016, Equifax is being and engaging in obstructive means to frustrate the consumer attempts to correct all the incorrect information on the equifax credit report. Many of the incorrect items removed in 2016 are once again showing up just like they did in XXXX 2016.
Consumer complaint received 2024-10-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Im a long time BoA consumer and appalled by their recent handling of my auto loan application as they completely false advertised their loan rates and deceived me into applying for their loan. On XX/XX/year>2024 I was researching rates for an auto loan and BoA presented me with an offer for an APR of 5.09 %. This rate was presented to me on my logged in BoA portal ( i.e., they knew who I was based on my existing accounts and my 40 year history as their consumer ). Based on this advertisement, I applied for the loan and allowed BoA to run my credit report, which of course negatively impacts my credit score. After being quickly approved, they presented me with my approved loan rate of 5.99 %, 90 basis points higher than they quoted. I called BoA and expressed my frustration. The agent I spoke with said, of course, different variables impact the rate. As we walked through each variable ( e.g., I have excellent credit which BoA just ran and confirmed, I was getting a Gold tier relationship benefit, etc, ) he acknowledged that hes not sure why I didnt get the advertised 5.09 % it was a complete bait and switch scenario. Based on BoAs shady practice, Ive been harmed with a lower credit score and a much higher rate.
Consumer complaint received 2016-10-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Centric Asset Management Inc (MI)

Centric Assest Management called and said I owed a debt of XXXX from 2011 which they said I signed ion the Internet they will not provide proof and they said with interest now I owe {$1800.00} and I need to pay it immediately or they will take legal action against me. I never signed for a XXXX loan on the Internet and I never received anything in my bank account and do not owe this!
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (FL)

After sending the attached letter to Experian I received a response stating that Experian had contacted the company reporting the information I disputed ... ..and instructed them to review all information we provided concerning the dispute, verify the accuracy of the information, and provide us a response to your dispute, and update their records and systems as necessary. 
I have never given written or verbal consent ( as required by FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) ) to the Bankruptcy court, XXXX XXXX or any other party to share any public record information they might have on me with any Credit Bureau or anyone else ; including 3rd party suppliers of information. According to the FCRA, only information which has been Validated as true and correct can be reported on my credit file. Third party " verification '' does not meet the legal standard of validation, but, is merely heresay. Heresay can not be the basis for reporting an item on my credit file under any circumstance. A validator must have first hand knowledge of the information being validated. It is obvious that a court clerk or anyone else looking at a computer record and passing on that information as being " Validated or even verified '' does not meet the standard required by the FCRA nor by an abundance of court cases. While the information reported on my credit report has been challenged on its authenticity and its accuracy ; it is obvious from the Bureaus response, that they have no interest in listening to that dispute based on their acceptance of " verification '' as being legitimate. Therefore, I am asking you to investigate the way in which Experian conducts its " validation '' process