davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-24
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. (OH)

Just found out tonight that I have a social security variation on my Experian credit file. I called Experian and asked for the name of the creditor supplying the social security variation. They told me is was a debt collection company called XXXX XXXX XXXX. Id like to state I have the right to have correct and accurate information on all of my credit files. The social security number XXXX XXXX XXXX is using under my name puts me at risk for having my files mixed with this other person. They are blatantly ignoring the FCRA law. This social security number does not identity me on this account. I demand for XXXX XXXX XXXX to correctly update my personal identification number with all three credit bureaus or delete the account. The social security number XXXX XXXX XXXX is using in connection with this account does not identify me. They are reporting another individuals social security number under my name with all the credit reporting bureaus.
Consumer complaint received 2018-12-18
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX, I initiated a refinance of my existing mortgage with Wells Fargo Bank and had just completed my home inspection on XX/XX/XXXX. On XX/XX/XXXX, I heard a news report about Wells Fargo foreclosing on 500 homes. News report said Wells Fargo was pointing to a computer glitche. This made me nervous so I cancelled my loan preparation with Wells Fargo and began with another loan company. In the meantime, the appraisal company ( XXXX XXXX ) filed the appraisal with XXXX XXXX for Wells Fargo. My new loan company ( XXXX XXXX ) is unable to use the new appraisal for my loan unless Wells Fargo provides a release letter to them and complies with other transfer itsms. I began calling Wells Fargo on XX/XX/XXXX to get them to provide a letter releasing my appraisal and other documents to XXXX XXXX. The Executive Office of Wells Fargo received my case file and has stated that it is their policy " not '' to release appraisals for liability reasons. I asked for a reimbursement of my {$500.00} appraisal fee or the documents releasing the appraisal ( I prefer an appraisal release so that I can continue my ref ) and was told by XXXX XXXX on XX/XX/XXXX that they could not do either. On XX/XX/XXXX, I contacted XXXX 's team leader, XXXX XXXX, who assured me he would get the docs to release the appraisal. My new loan company has not yet received the paperwork and I have left two messages with Mr , XXXX to call me and have no responses. I am on a timeline with XXXX XXXX and ready to do final closing paperwork if I can get the release on my appraisal. I feel I do not have to pay for another appraisal when the one conducted by Wells Fargo and paid by me is a valid appraisal that I can use. Wells Fargo is citing liability issues if they release my appraisal but I see no validity to that reason. The only liability is on the appraisal company if they did not do the appraisal by the standards. Please help me with this problem.
Consumer complaint received 2018-12-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (GA)

Halstead Financial continues to call my phone, back to back. Sometimes they hang up before I get an answer and sometimes they just continuously call. There are always different numbers but they always begin with XXXX. They call on weekends, holidays, late night, early morning. I have proof of MULTIPLE calls daily.
Consumer complaint received 2018-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (IN)

My property is located in XXXX XXXX Indiana. Taxes are due twice a year ( XXXX and XXXX ). At the beginning of XXXX. I realized they still had not paid my XXXX installment so I sent an email requesting it be paid. I received a generic response stating " we will pay it by the economic loss date ''. At this point the taxes were late and a 5 % penalty was due. They were also escrowing for the incorrect amount which caused me to have a surplus once the taxes were actually paid. They completed my escrow analysis on XX/XX/XXXX using the higher amount so I requested that the loan be re-analyzed due to the surplus and to reduce the amount of escrow for the coming year as they were escrowing {$300.00} more then necessary for the 2nd half taxes which is about a $ XXXXmonth difference in my payment. Arvest is not responding to emails I have sent requesting it. It is now XXXX and my first request was sent on XXXX. Since this is now the 2nd year in a row I have had to provide tax documentation to my mortgage company when it should be their responsibility to manage it properly and they are not fixing my account or responding I am now asking that you intervene on my behalf.
Consumer complaint received 2022-07-02
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights, 15 USC 1681 section 602 A states I have the right to privacy and it also states a Consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-12-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Neon Newco Corporation (NY)

On XX/XX/XXXX, I filed a dispute for an ATM Withdrawal where funds requested were not dispensed which occured on XX/XX/2018 for {$320.00}. After initially filing the dispute with NetSpend Customer Service, my prepaid card accounts held with NetSpend were closed on XX/XX/XXXX and I am not allowed to open anymore accounts with them, despite having been a customer in good standing for years and never having filed a dispute in the past. 

This decision was made immediately preceding the filing of my ATM Dispute. I feel that NetSpend has purposefully closed my accounts and want to ensure that my dispute is handled appropriately. I am asking this dispute to be further investigated to ensirr. Compliance with FCRA Regulations, including Regulation E for which I have also submitted then attached ATM Dispute Notification Form in Writing.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-07-24
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Finance LP (IN)

What and absolutely awful and deplorable organization this is. Every single person I attempted to have conversations with were rude and unprofessional. " Hurry up sir and can't have you holding up my line. '' Recently XXXX XXXX Mortgage sold my mortgage to a company called XXXX XXXX. Upon reviewing the letter received by XXXX, I reached out to XXXX XXXX via phone call to discuss the transfer process and ensure a smooth transition. It was incredibly unsettling when communications were established with XXXX to learn that they are a collections company. It was through many other follow up calls to XXXX about my account that it became evident that there was a considerable amount of unprofessionalism and lack of intercompany communication. It was challenging to find and obtain a member of this company who could provide me with the information regarding my account. After the unsatisfactory encounter, I started to do some research into XXXX mortgage. What I found was profoundly disturbing. I compiled a list of negative reviews. The sources for these reviews are known for their contributions to the consumer affairs environment. The XXXX XXXX XXXX registered 100 complaints in the last 3 years and give the company a D- consumer grade. As of today XX/XX/18 I reached out to my Credit Union for advice. The only choice is to refinance the home through my credit union. This comes a a stiff price of {$12000.00} in closing costs to accomplish and rid myself of the deplorable conditions currently experiencing with XXXX XXXX. There needs to be a better less expensive way to relieve me of something I had no control over.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (TN)

Through XXXX I have asked multiple times for XXXX accounts that have been closed for some time now and were closed in good standing, to please be removed from my credit report all together. These account are not delinquent and have no reason to still be showing up.
Consumer complaint received 2018-12-03
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: SYNCHRONY FINANCIAL (TX)

Synchrony bank lowered my credit limit on my " Lowes '' credit card from XXXX to XXXX. In response I closed the following accounts which are serviced by synchrony bank : XXXX XXXX XX/XX/2018 ; JCPenny-closed XX/XX/2018 ; Lowes-closed XX/XX/2018. In response to my action Synchrony bank retaliated by lowering my Walmart Mastercard credit limit from XXXX to XXXX on XX/XX/2018. They " synchrony bank '' delayed crediting my timely mailed in payment for XX/XX/2018 causing a late charge to my account.
Consumer complaint received 2018-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

You are aware, counsel that the crime of fraud in the mortgage servicing is against public law and I humbly request an investigation in order to save my property, as my ex-wife did not sign any document committing the subject property. 

Since XX/XX/XXXX I filed a complaint with the CPFB Case # XXXX XXXX XXXX, this matter has never been resolved. The reason being the pattern and tactics the companies used and continue to apply to invade State and Federal in my case up to Case # XXXX with Shellpoint Mortgage Servicing. May I understand a fair solution Shellpoint provided the CFPB to date in my case? 

My complaint is that over the years all of the solutions I presented and explored were denied. Moreover, these companies have never presented to the services of your good office a resolution or work on one with me to date. On XX/XX/XXXX, I was in court to postpone the target. The court instructed me to come up with a solution before the XX/XX/XXXX sheriff Sales. 

In view of the above, the only solution that I have is to pay the full amount of the principle of mortgage note debt of {$20000.00}. I need the sales postpone pending an answer from the FBI office concerning my complaint.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MI)

I have several accounts and Equifax says that they dont have a credit file for me. I have my XXXX and XXXX but Equifax says they dont have and credit file for me. Ive tried calling numerous of times. Ive mailed in documents to verify my identity and still cant get any resolution.
Consumer complaint received 2018-12-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OH)

XX/XX/XXXX, I received my annual escrow account disclosure statement. On the statement I was notified of a XXXX increase in my monthly mortgage payment. The statement references a current negative balance and 12 month payment plan to bring my escrow into a positive balance. 
When analyzing the reason behind the increase in monthly due, I discovered that payments made in XX/XX/XXXX were higher than what they should have been. The account history indicated that no payment was made in XX/XX/XXXX when my county taxes are typically due. However they list two ( 02 ) payments made in XX/XX/XXXX for the normal amount ( {$2300.00} ), and a third payment to county taxes in XX/XX/XXXX for the amount of {$2500.00} ( a {$230.00} increase over normal taxes ). According the country website that tracks taxes on every property, a late fee was charged to my account for XXXX for an unexplained reason. 
I wrote a Error Resolution Notice on XX/XX/XXXX and received a response letter dated XX/XX/XXXX. In their response they admitted to inadvertently paying an extra XXXX from my escrow account. However, they also indicated that this affair is my responsibility as the escrow disbursement form I signed indicated no payment due till XX/XX/XXXX. While this is technically correct, what is missing from their thorough Investigation is that their company financed the XX/XX/XXXX taxes into my home loan. The money was financed with the explicit purpose of property Taxes Parcel # xxxxxxx EST to XXXX County Recorder. Further, {$1200.00} was financed with the purposes of frontloading the escrow account for the XX/XX/XXXX tax and Hazard insurance payments which was to be paid in XX/XX/XXXX as agreed per the afore mentioned disclosure statement. 
A phone conversation was conducted with an Official at the XXXX County Treasurer Office on XX/XX/XXXX.  During this conversation he confirmed all taxes paid on my property. He also confirmed that all tax payments in XX/XX/XXXX,  prior to my refinancing with loan care, were made on time for that year ( XX/XX/XXXX and XX/XX/XXXX in the amount of {$2300.00} ). He then confirmed that no tax payments were received after XX/XX/XXXX until the 3 payments were made in XX/XX/XXXX/XX/XX/XXXX. This means that the {$2400.00} that was financed for the purposes of paying my taxes was never sent to them as intended. Since there is no record of it being placed into escrow or back into my account. I must assume that Loancare has misplaced these funds. 
The XXXX County official also stated that the refund was noted in his records as sent to Loancare on XX/XX/XXXX.  As of the date of this writing ( XX/XX/XXXX ), no funds have been shown to have been reimbursed to my account. So they have either misplaced the refund, or have taken an abnormal amount of time to credit and fix my account. 
It should also be noted that this refinance was done through Loancare to refinance a loan held by Loancare. No other companies were involved.
Consumer complaint received 2018-04-05
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: Experian Information Solutions Inc. (FL)

XXXX Reported on my credit report that I was late on this account. I was never late on this account. They reported that I was late on XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late ), and XX/XX/XXXX ( 30 days late ). Even more surprising was the fact on how they reported my information, which shows that they are not very accurate with their records and their reporting. 

What was even more confusing and especially very damaging to my credit worthiness is the fact ( proof will also be submitted ) that they reported me 60 days late on XX/XX/XXXX. This makes not logical sense. How can I be 60 days late in XX/XX/XXXX when I was a not even 30 days late the previous month???? 

XXXX has proven an inability to report accurate information clearly by the aforementioned example and is hurting my credit worthiness. I dispute all late pays being reported by XXXX. 

I will be uploading my Experian report clearly showing these negative inaccuracies. I believe that XXXX is violating the FCRA and FACTA. 

I called Experian XX/XX/XXXX to dispute this information, so I know that XXXX got my dispute and Experian provided a report showing that the information came back as verified ( which is clearly inaccurate )
Consumer complaint received 2018-12-03
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: HUNTINGTON NATIONAL BANK, THE (IN)

my prior complaint with CFPB is XXXX and the Huntington Bank case # is XXXX. I thought they had fixed the errors but it isn't. They have now take the one line of credit that was paid off and reopened it adding around {$3300.00} in debt and now have subtracted that amount from the other line of credit that should have all the debt. 

On another note I just had my credit run and now the XXXX who is guarantor on these lines of credit shows they have charged of {$23000.00} in this debt, yet I have never missed a payment to Huntington Bank and I am continuing to make payments to Huntington on a monthly auto pay system. I have frequently called the Huntington reps and am getting blown off again. 

XXXX XXXX
Consumer complaint received 2018-04-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

On XX/XX/XXXX I filed an on-line dispute with Equfiax regarding a tax lien that was incorrectly reported. As of today 's daye ( XX/XX/XXXX ) the account still shows as " pending '' on-line. 

I contacted Equifax via their on-line chat on XX/XX/XXXX and was told I must call during the hours of XXXX local. I called at about XXXX on XX/XX/XXXX and was informed that the dispute investigation had been completed on XX/XX/XXXX and I had been notified by email. I received no such email. 

Upon checking my email accounts, I verified that no email was sent and/or received on that or any other day from Equifax regarding this dispute. Additionally, the Equifax rep said she was re-sending the email. That email has also not been received. 

The dispute is regarding a tax lien filed in XX/XX/XXXX and subsequently paid off. Equifax shows the amount still owing. In addition, Equifax does not show the item in dispute as is required.
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc. (TX)

Hello, I am writing because I have an inquiry on my credit report from " XXXX XXXX XXXX XXXX '' that should never have been posted on my credit. I spoke with customer service representatives from both comenity bank and XXXX  XXXX credit card division and both gave me to run around and sent me back and fourth to each company. No one would help me. I explained that this card should never have been opened in the first place. After i checked my credit report and discovered the new inquiry, i immediately called the appropriate parties and had to account closed which included the credit card. 

Date inquiry was added : XX/XX/2017 Companies involved : XXXX XXXX & XXXX credit card department.
Consumer complaint received 2018-04-05
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: WELLS FARGO & COMPANY (WA)

WFDS XXXX XXXX XXXX, XXXX CA, XXXX  has an inquiry on my report dated XX/XX/2016. No authorization was given and none can be provided by the company ; please remove per law or pay the {$1000.00} fine.
Consumer complaint received 2018-04-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

RE : Case # XXXX The company US BANK believes that they have the authority to close my account based on their policy/agreement ( s ) at anytime. I, XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ) didn't Agree with the policy because I reserved my rights Under UCC 1-308, the word free and UCC 3-402 ( a ) at the time of opening my account. The original contact should be on file. I also have a copy of the original that should be on file. US BANK closed my Account based on policy not Law.
Consumer complaint received 2018-07-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (MI)

My daughter purchased a XXXX XXXX earlier this month. I co-signed on the loan with VW Credit. Today, XX/XX/XXXX, i received the first payment invoice, which VW credit gave a due date of XX/XX/XXXX. They also advised, on the invoice, that i should allow for 5-7 days for mailing to ensure payment is delivered by the due date. 

I called VW Credit, spending over 30 minutes on hold, to request a reasonable amount of time. They told me i would have 10 days after the due date ( so, XX/XX/XXXX ) to submit a payment. Given the intervening weekend, and giving allowance to the 5-7 days i was advised, this payment would have to be mailed by this Friday, XX/XX/XXXX. 

VW Credit ( XXXX XXXX XXXXl ) stated that if we made payment within 10 days, we wouldnt be charged a late fee. I requested that they provide that assurance in writing instead of just verbally, they refused, and then stated that they couldnt. They said i should have known that the payment was due on XX/XX/XXXX, as it was in the contract. While this may be true, they did not provide the means for which to make a payment until i received this payment invoice today. 

XXXX continued to tell me everything was in the contract, but abjectly refused to listen or cooperate. I was never disputing what was in the contract, but the unfair and deceptive execution by VW Credit of its obligations under the contract to provide us the means to make timely payments in accordance with the contract without incurring fees ( late fees ) or damages ( credit reporting ). When asked for written assurance, they refused any written assurance.
Consumer complaint received 2018-12-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

I was previously having my loans serviced by XXXX and was on a payment plan with a low payment for the year based on my limited income. I then switched my lender to XXXX as part of the PSLF program. Before switching I spoke to XXXX and was told I could continue with my existing plan at my current payment. After switching I was told I would need to resubmit a plan. I called XXXX again on XX/XX/XXXX and I was told again that I could continue with my previous payments but my plan would be changed in XXXX after tax season. Today I received an email stating I owed over {$2000.00} and after calling XXXX I learned that everything I was told was a lie and now I need to change my plan which will cause my interest to compound costing me thousands of dollars. XXXX directly lied to me to increase my student loan burden.