davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-19
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (WV)

I was in the process of refinancing and was asked by the lenders to provide pay-off documents. I was further informed that once pay-off documents had been received, I would not have to make the next two ( 2 ) mortgage payments or words to that effect. Later it was revealed that that was in correct and that I had to make XXXX 2016 mortgage payment. Partial payments were made after due date. FREEDOM Mortgage had reported to credit bureaus that account was 30 days late. This was no fault of mine for I was led to believe that I would not have to make XXXX 2016 payment, but proceeded to make payments. Based on this situation FREEDOM Mortgage emailed me stating that they asked the credit bureaus to remove this comment. As of XXXX XXXX, 2016, credit bureaus reports account as 30 days late. Received banking statement showing that one payment was received on XXXX XXXX, 2016, but not cashed until XXXX XXXX. Investigation revealed that the other payment ( {$700.00} ) still had not been cashed. Bank recommended to stop payment on {$700.00} and to contact FREEDOM Mortgage over the phone and make payment. This caused further delay in processing XX/XX/XXXX payment and I am being penalized. Lenders will not proceed with refinancing until this 30 days late is removed.
Consumer complaint received 2016-12-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

There is a medical collection reporting on my credit report from a company I do not have any recollection of doing business with ( XXXX. ) I have disputed multiple times with Equifax, only to have them reaffirm the account without providing any proof that the account belongs to me. For this reason, I want the account removed. I have disputed the account three times only to have Equifax update the account information, not provide me with information, and continue to mar my credit report. I am losing out on credit because of this, and this is my last resort to ask that it be removed off my reports before seeking legal remedies. It is not reporting on ANY OTHER CREDIT REPORTING AGENCY. Equifax has inserted this without proof it is mine, and continues to report a collection that is not mine on my credit report.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2016-06-23
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (AL)

I have been charged late fees and have received late notices as a result incorrect information. This is in regards to my account. I am certain this is a result of my escrow account ( homeowners insurance ), where they say I have insufficient funds to pay my homeowners insurance. The insufficient amount is approximately around {$1.00} XXXX - {$2500.00}. I can not understand this negative balance. I do suspect the amount is not correct just by virtue of having made all of my scheduled payments without any being past due. They sent me a notice in XXXX 2016 stating my monthly payment would rise from {$370.00} to {$540.00}. In order to start to pay down the insufficient escrow balance and it would be current in one year. I disputed over the phone w/ a Freedom Mortgage Representative. They said their records indicated I had a negative escrow balance. At which time I accepted their analysis and stated, I could not afford to pay {$540.00}. And I requested a smaller payment amount where it would take a year longer to reach a positive escrow balance. A representative was able to make the necessary arrangements where my new payment would be {$450.00} for 2 years. 
I started making that payment amount in XXXX 2016, XXXX 2016 and XXXX 2016. Each month was paid on time and before the late date. I have the cleared checks from my financial institution to verify all payments.
Consumer complaint received 2016-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I am filing this complaint because my requests have been ignored by XXXX. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy ''. I have requested an investigation and re-investigation and XXXX request have been ignored.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I am a victim of identity theft, resulting in XXXX unauthorized accounts and XXXX inquiries on my credit report. These were added without my knowledge or consent. 

ACCOUNTS - 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 I have reported this identity theft to the FTC. I insist on the immediate removal of these fraudulent accounts and inquiries to restore the accuracy of my credit report.
Consumer complaint received 2016-08-14
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Avant Credit Corporation (OH)

They advertised on their website that I could take a look at lowering the interest rate & payment on existing loan with them. They imply that no " credit inquiry '' would be done, did not go through with their proposal since it did n't save me any money. 

Later, I was advised by a credit monitoring tool that I had an inquiry that has adversely impacted my credit score. I was able to discover that this was from AVANT. 

I immediately contact Avant @ ( XXXX ) XXXX and spoke with their Customer Service Dept. They apologized, and after receiving my name, telephone number, date of birth, and last XXXX of my social security number told me to email their compliance department ( I emailed them also on XXXX/XXXX/2016 ), even though it was not my error to correct ). 

I believe this action by AVANT is a " DECEPTIVE LENDING PRACTICE, '' and want the inquiry removed from my credit history, and from all credit reporting agencies.
Consumer complaint received 2016-11-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (FL)

My escrow was calculated for the new payment. The bank estimated my local taxes at an apporximate 20 % rate hike ( no one can tell me how they came up with that formula ). I spoke with the XXXX in mid XX/XX/XXXX questioning this and alerting them that my taxes will indeed drop from the previious period due to several factors afforded residents in XXXX. I was told to email the final tax bill to them which I did on XX/XX/2016. My tax bill has acually been REDUCED by approximately $ XXXX from the previous year XXXX not the 20 % increase they projected XXXX. To date there is no update on my escrow recalculation or new payment which is due XX/XX/XXXX. I spoke with XXXX yesterday and although they have received all my documentation they have no time frame on when they will adjust my escrow. I left a message with the " supervisor '' and she has negleted to return my call. As it stands right now, beginning XX/XX/XXXX I will be overcharged approx {$300.00} a month with no time frame as to when that will be corrected.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim of XXXX XXXX of XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2016-08-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Automotive Funding Group, Inc (CA)

I made my last car payment I owed on my XXXX Mazda Tribute to County Financial Services on XX/XX/2016 before the due date of XX/XX/2016, on an account that has never been late, and after receiving and cashing the check by County Financial Services the company incur an additional approximately {$120.00} so-called an additional interest charge to the account I needed to pay before they call this loan is paid in full and send me all the necessary documents such as Pink Slip, release of liability etc ...
Consumer complaint received 2016-08-12
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

I have been trying for over 3 years for a refinance of my mortgage. each time I check my credit I see it around XXXX on my version. I then apply for the loan and am told my scores are below the XXXX needed for a refinance. my problem is why do the banks see a different fico score than I do personally?
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (OK)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2016-12-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My account # XXXX at Bofa was charged a NSF fee on XXXX/XXXX/2016 for {$35.00} when I noticed on the account activity a merchant deposit being made the same day so I am not sure why the account was charged this fee. I believe there were enough funds in transit that should have been sufficient enough to take care of this fee. The Bank charged this fee unjustly in spite of the fact that the merchant services account is also with Bofa with daily deposits..
Consumer complaint received 2016-06-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Malcolm S. Gerald and Associates, Inc. (VA)

I asked XXXX XXXX XXXX company to cancel my subscription, that I did not realize I had gotten into. I was being charged {$49.00} for magazines. I would not agree to this price. Company stated that I could not cancel and that they would not send me a hand copy of the bill so I could make payments without my credit card being charged. Representative stated that I could not cancel my account and the only thing they would do is send me to collections. The representative asked me if I wanted them to cancel the account a second time and if I wanted them to send me to collections. I stated no.Representative was rude and hung up on me. I tried to call back and the representative hung up on me again. They sent me to collections. I was also over charged, 2 payments were taken out in one month. I paid a total of {$150.00} for magazines that I did not know were ordered. The type of magazines were never discussed so I am getting whatever they want to send me. I received a statement saying that I am in collections and that I owe about {$1000.00} dollars.
Consumer complaint received 2016-07-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (LA)

Synchrony Bank sued us TWICE, using XXXX different debt collectors, XXXX in XXXX and XXXX in XXXX, to collect the same amount on the same alleged debt ( it had been paid several years before ). The first petition was filed in the XXXX Judicial District Court, XXXX XXXX, XXXX, via Suit # XXXX. They dropped that suit after we proved the debt had been paid. Six weeks later, another attorney filed suit on the SAME alleged debt in the same court under Suit # XXXX! Again, we fought and won. Still have n't received payment on court costs we paid. We also want to collect $ $ from them for wrongful suits.
Consumer complaint received 2015-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX. DATE REPORTED : XXXX/XXXX/2008
Consumer complaint received 2017-05-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (FL)

I opened an account under a promotion with Santander Bank. In order to receive a promotional bonus of {$220.00} I needed to keep my account open and make a direct deposit within the first 90 days of opening the account. I kept my account in good standing and did everything the bank asked of me. My account was closed by the bank due to their arbitrary rules with no notification or warning. My employer direct deposit was denied and had to receive a paper check after my pay date because I was given no warning. The same week I would meet the qualifications for the promotional bonus I was approved for the bank closes my account. Here is a timeline of events with my account. XXXX/XXXX/XXXX - Applied for Simply Right checking account with promo code XXXX XXXX/XXXX/XXXX - Date account opened and opening deposit deducted from my other bank account XXXX/XXXX/XXXX - Receive welcome kit and enrolled in online banking XXXX/XXXX/XXXX - Mailed signature card back to Santander in self addressed postage paid envelope XXXX/XXXX/XXXX - Received letter stating they have not received my signature card. Letter included additional signature card to return XXXX/XXXX/XXXX - XXXX EST called Santander and spoke with customer service for 12 minutes. Asked if the have received my signature card yet. Female representative said she could not confirm and need to email another department. She should receive response in 2-3 days. Assured me she noted my account and said accounts would not be closed for this kind of issue. I asked for fax or email where I can electronically send signature card. Rep advised no such way. Only mail. XXXX/XXXX/XXXX - Mailed second signature card XXXX/XXXX/XXXX - Received email saying my statement was available online. Logged in to find account closed. General customer service phone number provided. XXXX/XXXX/XXXX - Called Satander. Spoke with XXXX, ID # XXXX, advised no way account can be reopened. Can not confirm if they have received either signature card or not. Stated that was the reason for closing. Asked for manager. Still unable to provide any resolution other than I can apply for a new account. Put in request for corporate complaint unit to respond. XXXX/XXXX/XXXX - Corporate unit called. The representative empathized with my situation and the poor handling/customer service by Santander. I have not received a return call in a week which I was told they would look into their signature reception unit for my documents. No successful resolution.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I am writing to express my deep concern and dissatisfaction with your lack of response to my previous complaints submitted on seven separate occasions. Despite my repeated attempts to address serious issues concerning my credit report, I have yet to receive any acknowledgment or resolution from your office, XXXX, EQUIFAX, XXXX I am currently a victim of identity theft, which has resulted in unauthorized accounts being opened in my name and subsequently reported on my credit file. Additionally, I have noticed collections appearing on my report that I did not authorize. These inaccuracies are significantly affecting my credit standing and causing me considerable distress. 

The Fair Credit Reporting Act ( FCRA ) entitles me to a prompt and thorough investigation of any disputed information on my credit report. Your continued failure to respond not only violates these rights but also exacerbates the financial and emotional toll of the identity theft I am experiencing.
Consumer complaint received 2016-05-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (NJ)

I 'm writing to report illegal interest charges on my mortgage account with Freedom Mortgage. I refinanced with Freedom Mortgage, and my closing date was XXXX/XXXX/2016. On XXXX/XXXX/2016, I sent in payments totaling {$6300.00} to cover my statements due for XXXX 2016, XXXX 2016, and XXXX 2016. In addition to sending in these advanced payments, I e-mailed the company to ensure they knew that my payments were meant to be put towards future months, and that as a result, I should not be charged interest for the months of XXXX and XXXX because I 've paid for those months in advance. However, for the past three weeks, I 've been calling Freedom Mortgage because they 've applied my payments incorrectly and have charged me an additional {$1700.00} in interest for the months of XXXX and XXXX, which have not even arrived yet. At the time of my payment on XXXX/XXXX/2016, I had n't even reached the XXXX/XXXX/2016 due date for the XXXX payment. When I called in to speak to several supervisors ( XXXX, XXXX, XXXX, XXXX, and XXXX ), they each have told me that even though I 've paid for XXXX and XXXX well in advance of those months accruing, they are charging me interest regardless. There have been exactly XXXX days between my XXXX payment and my XXXX and XXXX payments, which means that I have accrued exactly {$0.00} in interest for those months based on the terms of my loan, however, it is nearly a month since I 've been going back and forth with this company to have this corrected. XXXX even told me that I was not allowed to send in more than 3 months of payments in advance towards my account. I would like to file a formal complaint with the State of New Jersey and all appropriate government agencies related to this problem. Please contact me as soon as possible to help me resolve this problem.
Consumer complaint received 2016-08-15
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY (NC)

XXXX XXXX would like to have me go through a financial review, which they claim is a verification of an individual 's income to see if it can support provided credit limits, but the process is NOT a legitimate verification of income and is discriminatory since it is NOT consistent from one customer to another. 

The process is not a legitimate verification of income because they are only checking income reported on my XXXX tax return. In my case, I received a raise in XXXX, which in theory should support higher credit limits, but XXXX XXXX wo n't see that raise because they are trying to use last year 's tax forms to verify income, which is old information. 

At best, tax forms prove income from previous years, NOT current income. Somebody could have received a raise, demotion, or even lost their job after XXXX XXXX of the current year and based on XXXX XXXX ' method of income verification, they would never see any of these changes in income. 

The process is NOT consistent between customers, which means it 's discriminatory. I 'm being asked to provide my XXXX tax forms, but other people get an opportunity to provide pay stubs, current bank statements, or a conference call between customer service at the customer 's bank and XXXX XXXX. I 'm going to unfairly receive a lower credit limit because XXXX XXXX is trying to verify my income based on old information. If I was able to provide more recent financial data, like my pay stub, I 'd receive a fairer verification of my income, as the pay stub would be much more recent than my XXXX taxes and display my raise. I also started a business in XXXX and have income from that, which wo n't appear on my XXXX tax return.
Consumer complaint received 2016-05-20
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Residential Credit Solutions, Inc. (NC)

Residential Credit Solutions ( RCS ) is not reporting my payment history correctly with the credit bureaus. My loan was transferred from XXXX XXXX XXXX in XXXX XXXX, RCS did not send modification paperwork until XXXX/XXXX/XXXX. The following are the lates showing on file from XXXX XXXX - XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX days during the modification, when they would not allow me to make a payment during this process, so technically there should be no lates on file with RCS. Please review the way this is reporting as it makes no sense to me. I would like this erroneous data removed from my credit file. 
XXXX XXXX XXXX sold my loan to Residential Credit Solutions ( RCS ) in XXXX. RCS approved my modification they added 10 years to the life of the loan at the same interest ( 5.75 % ) and increased the monthly payment. My monthly payment should have decreased when they added the additional 10 years to the term. When I caught the mistake and asked them about this they said I signed the loan documents agreeing to the terms. My loan is now transferred to XXXX.