davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (KY)

I first contacted my mortgage loan servicer, LoanCare, in  XXXX   XXXX ,  XXXX . My home purchase and loan included the purchase of  XXXX  separate lots, each with their own tax id, and both lots have  separate county ta xes due on them each year. The contact in  XXXX   XXXX  was to let them know they did not pay the taxes on our smaller lot for the  XXXX  tax year, and that i know owed late fees and penalties. It took months, but they finally added the second lot to my escrow account to be paid for the  XXXX  tax year. I paid the taxes myself out of pocket, and paid the penalties and late fees as well. I had made several calls to customer service and was told they could n't help me on the phone and i had to wait for them to " research ''. I never heard back from them.     I next contacted the company on  XXXX   XXXX ,  XXXX . I got an email that a disbursement had been made to pay taxes. When I logged into my account, they once again paid the taxes on the larger lot and the house, but did not pay the taxes on the smaller lot once again. The smaller lot was listed, but the due date was incorrectly listed as  XXXX   XXXX  rather than  XXXX   XXXX  like it was supposed to, which was once again going to cost me penalties and late fees. I let the company know in  XXXX  that the due date was wrong and this needed to be paid in  XXXX . They still did not pay the taxes, so finally I paid the taxes myself out of pocket so i would not incur penalties and taxes. Once again, another missed payment out of my escrow account. I called customer service several times and was told multiple times they could not help me and i needed to wait for them to " research ''. I never received follow up correspondance.     Fast forward to this month,  XXXX   XXXX  I get an email from  LoanCare that a disbursement had been made to pay the property taxes on this smaller parcel that I had already paid taxes on 6 months ago. No explanation of why now, 6 months later, they decided to pay a tax bill they missed 6 months earlier and I already paid. Now i have to try to recover my funds from the county sheriff because, of course, the customer service folks could n't help me. Also, they somehow found out about a small amount of city taxes i owe to my township every year and added that account to my escrow obligations. This township specifically says these taxes can not be paid by the mortgager, and must be paid by the homeowner, so i assume LoanCare will make a double payment on these taxes when they co me due in  XXXX . This amount should not be paid by the escrow account.     I have sent  3 requests to cancel my escrow account to LoanCare over the past year because of their constant mistakes, and I have never received a single response to any of my three reque sts to cancel my escrow account.
Consumer complaint received 2017-07-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION (NC)

There was a late payment made on the account, which was not negated, however, I sent a letter to the company after I corrected the payment default and asked for a goodwill adjustment. The late payment was totally my husband and my fault, as we thought the other had made the payment. I explained the circumstances to the company and never received a response.
Since then, we have refinanced the car with another company and the account with XXXX XXXX has been closed and paid. XXXX XXXX continues to make monthly adjustments to the account. The late payment happened in XX/XX/XXXX. On my husband 's credit reports, he 's seeing different months of default. XXXX is reporting XX/XX/XXXX. XXXX is reporting XX/XX/XXXX. XXXX  is reporting XX/XX/XXXX. On my report, XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX.
The negative payment is already reporting negatively, but to see an update to the date getting changed every month is hurting even worse.
Throughout the entire course of the loan, we have only ever been late 1 time and fixed it as soon as we saw that we were late. We can understand not being forgiven for the 1 late payment, but to continuously update our credit reports with incorrect information is inexcusable. I would hate to have to file a complaint with the Better Business Bureau over the information. We are in the process of purchasing a home and this information is reflecting poorly on our loan process.
Consumer complaint received 2017-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (AZ)

Our XX/XX/XXXX Statement from Citibank Did NOT Show a Payment of {$1100.00} to Pay Off Our Previous Months Balance in Full. We Contacted Our Bank ( XXXX XXXX ) and Asked them to Fax PROOF of The Payment to Citibank on XX/XX/XXXX, and Mail Us a Copy of The Front and Back of The Check as a Hard Copy. The Check Showed Our Bank Paid {$1100.00} on XX/XX/XXXX, and Citibank Endorsed The Check on XX/XX/XXXX. I Have This Documentation. I Mailed The Hard Copy of Payment to Citibank on XX/XX/XXXX, to : Citibank, XXXX. XXXX XXXX , XXXX XXXX, Mo. XXXX Today, XX/XX/XXXX - Citibank is Still Telling Me They Show No Receipt of This Payment, My Banks Fax, or My Submission of The Hard Copy of The Payment/Endorsement. To Make Matters Worse, Citibank Has Sent Me a Refund of {$970.00} with No Explanation of What Happened to My Original Payment or Why There is a Difference Between the Two Amounts. They Obviously GOT MY PAYMENT, or I Would n't Have Got a Refund. I Have CLOSED My Account With Citibank, as I Have Spent HOURS of My Time, Trying to Get an Explanation From Citibank, and Have Them Acknowledge My ORIGINAL Payment. I am Now Sending Another Payment by Certified Mail/Return Receipt to Protect my Credit Rating. Can You Get an Explanation For Me?
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I called when I first noticed this when I was going through identity theft and looking at all my reports. I noticed this fraudulent account from XXXX XXXX XXXX XXXX, now known as XXXX. Ill post a screenshot of what is on my Chexsystems and what I see. 
I have contacted them for the past XXXX  months trying to get this account disputed, closed, and taken off my ChexSystem with no luck. I go into the branch with my social security card and ID and they find a profile but cant find an account. So they give me a fraud number to call XXXX and a collections number to call XXXX. None of those numbers were any help. They tell me the exact same thing. No one can find the account under my socail security number adn they can no loneger be of help. To go into a branch. How ironic. The branch tells me to call, customer support tells me to go into a branch. I have spent countless hours on the phone. Literal hours. I'm done getting led around like a chicken with his head cut off. I need this account disputed and taken off now before I seek legal help. This is ridiuclous. Other banks had an easy dispute process and are already taken off due to fraud. This is the only bank giving me issues to even find the account t to start the dispute.
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

i am a identity theft victim. i have aquired a police report and a id theft report as well. 

inaccurate items as follows XXXX XXXX balance {$6600.00} this account was open by someone else chapter XXXX bankruptcy reported XXXX XXXX not my account. 
XXXX XXXX {$260.00}. not my account
Consumer complaint received 2017-07-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

Continued attempts to collect debt that is not owed. I have never done business with this company and I have no idea who this company is. The right of subrogation does not exist for a stranger to this transaction. 73 AmJur 2nd, Section 90.AD Astra is a 3rd party collector and is not on the original creditor contract that was mailed to me recently. I have not received any documentation from AD Astra stating that they purchased this debt either. Once again, I did n't receive written notification prior to this collection being placed on my credit as the address that you all have on file is one that I have never lived at. By law, I have to be notified of my right to dispute this debt. If this account is not removed, I will be reporting this to the BBB once again along with the documentation showing that I do n't have a contract with AD Astra.
Consumer complaint received 2017-08-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I was charged 3 overdraft fees of XXXX dollars each by my bank Huntington. When the transactions are placed in the chronological order of the transaction being placed then my checking account was in fact not overdrawn at any time and the account was a positive amount. 

Huntington bank refunded me XXXX dollars of the XXXX dollars I was charged. 

I am asking for the remaining XXXX dollars to be refunded to my account since my account was never overdrawn and positive. ' I have enclosed the screen shot with the accounting showing the correct chronological order of transactions and the corresponding balance.
Consumer complaint received 2017-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (FL)

I served as a guarantor on an apartment lease at XXXX XXXX XXXX in XXXX XXXX, Louisiana. The lease terminated on XX/XX/XXXX. At the conclusion of the lease I personally visited with apartment management to confirm the account was paid in full. This was confirmed by XXXX XXXX XXXX, Assistant Property Manager, prior to move out in XX/XX/XXXX. We never received any further communication from XXXX XXXX or any representatives of XXXX XXXX after that date. <P/>Today, XX/XX/XXXX I received notice from a credit bureau ( XXXX ) that National Credit Systems had flagged an account belonging to me as unpaid in the amount of {$4000.00}. I have never received any communication from National Credit Systems. I contacted them by phone today and they indicated the unpaid account related to the lease agreement at XXXX XXXX XXXX. They further indicated they had turned the account over to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and provided contact information. <P/>I contacted the XXXX firm and spoke with a XXXX XXXX ( spelling? ) who advised me that : 1 )  XXXX XXXX XXXX turned the account over to National Credit Systems in XXXX, XXXX - 9 months after we terminated our lease and were advised no further funds were due ; 2 ) the balance of {$4000.00} was due to a check being returned for insufficient funds ; 3 ) I could " settle the matter '' for 60 % of the debt ; and, importantly 4 ) neither they, nor National Credit Systems, nor XXXX XXXX XXXX are under any obligation to provide me with any information proving my debt. During her repeated attempts to encourage me to " settle '', she indicated that would be the most effective path to remove derogatory remarks from my credit reports, and, absent such a settlement, those derogatory remarks could remain on my reports indefinitely. <P/>I have confirmed that I paid all obligations under the term of the lease as required, and that there was never a check returned for insufficient funds. I have no debt to XXXX XXXX XXXX.
Consumer complaint received 2017-08-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

A few years back I refinanced my home. My business was doing badly. I went very quickly from a mortgage payment that was affordable when I purchased the home to one that was raised to unaffordable. The refinance ( XXXX XXXX ) company used up my equity to achieve their goal of forcing me into foreclosure. Not only did they get my home but they also got 100 % of my equity. I believe this was a company practice, planned and predatory. I believe this was predatory because of the systematic way the finances kept getting worse at an ever accelerating rate. There was no help coming from them to keep the mortgage going and my family in the home. We lived in our home for 17 years. We tried to sell our home for three years, but were not able to because we had to keep raising the price to satisfy what we owed to Ocwen Mortgage who kept raising their fee faster than any ability to stay even. We were essentially underwater and kept there. The amount of financial distress my family of XXXX has incurred is irreparable. My business is not capable of making the amount of the equity and home price that I believe Ocwen planned to take and took from us. The damage and anguish has affected my XXXX children, my spouse and myself in a most adverse and possibly tragic way.
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX   XXXX  Credit Card is reporting incorrect contact information on all  XXXX  CRA 's. Dispute letter mailed to  XXXX   XXXX  at the address listed on all   XXXX   reports   XX/XX/17    . This letter was returned " un-deliverable ''  XX/XX/17   . Photo copies of the letter showing the United States postal service could not deliver the letter along with a letter requesting the information be removed due to inaccurate reporting to all   XXXX    bureaus  XXXX ,  XXXX , and TransUnion on  XX/XX/17   . All   XXXX   have responded as "  Verifed  '' account information yet all  XXXX  still list the incorrect mailing address for this account.  XXXX   XXXX  sent me a letter with their correct address in the return section of this letter. Due to the inaccurate reporting of  XXXX   XXXX  and the CRA 's this account needs to be removed from my report.
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, or do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2017-08-31
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: SYNCHRONY FINANCIAL (PA)

I obtained my annual credit reportXX/XX/XXXX. Upon reviewing I noticed I have 30+ inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX todayXX/XX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, Synchrony-store cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX  was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me?
PLEASE HELP!
_____________________________________________ Auto Dealers?
XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX _____________________________________________ Synchrony Bank Lowes XX/XX/XXXXAmerican Eagle XX/XX/XXXX Toys R USXX/XX/XXXXXXXX Dual Card XX/XX/XXXXWalMart XX/XX/XXXXOld Navy XX/XX/XXXX TJX CO Dual CardXX/XX/XXXX
Consumer complaint received 2019-10-16
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. (IL)

I mailed a dispute letter to Equifax XX/XX/XXXX and a 30-day complaint XX/XX/XXXX, to this date I have received no response whatsoever in full violation of the FCRA. According to the FCRA Equifax is obligated to remove all disputed information from my credit report. The items are below : ACCOUNTS XXXX XXXX XXXX XXXX XXXX wrong status XXXX XXXX XXXX XXXX XXXX wrong status XXXX XXXX XXXX wrong status XXXX  XXXX wrong status XXXX   XXXX XXXX XXXX wrong status XXXX XXXX   XXXX XXXX XXXX wrong status INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized PUBLIC FILINGS BANKRUPTCY : DISCHARGED XXXX XXXX inaccurate
Consumer complaint received 2021-11-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HILLTOP HOLDINGS, INC (NJ)

To whom it may concern : My name is XXXX XXXX and I am filing this complaint against Prime Lending, specifically towards and employee by the name of XXXX XXXX ( NMLS # XXXX ). XXXX is a Branch Manager at a Prime Lending located at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, NJ XXXX. I had reached out via email to a Prime Lending loan officer by the name of XXXX XXXX on XX/XX/21 at approx. XXXX. My correspondence was in regards to refinancing my current home mortgage and I had attached confidential documents for XXXX to review. Upon sending the email and reaching out to XXXX via text message he had informed me that he had parted ways from Prime Lending and I then resent the information to his new email. A few hours later at XXXX I received a phone from an employee of Prime Lending by the name of XXXX XXXX XXXX I was a little taken back by someone from Prime Lending reaching out to me to begin with. Upon speaking with XXXX, he discussed with me the information I had confidentiality sent to XXXX and informed me that the email that I had sent to XXXX 's email was intercepted and viewed by XXXX XXXX. XXXX then proceeded to solicit me, asking if he and Prime Lending could provide service for my refinancing needs which I respectfully declined. XXXX said that XXXX XXXX directly instructed him to reach out to me to solicit my business. I believe this to be an absolute violation of privacy. I do not know who else viewed these documents and because I am choosing not to do business with Prime Lending anymore where this information can go or who else has access to XXXX old email account. Someone such as XXXX XXXX in the position as a branch manager should know that these actions are inappropriate and on top of violating someone's privacy, directing an employee to solicit based on viewing confidential information is completely unacceptable. I can only hope that my complaint with the Consumer Finance Protection Bureau will prevent this from happening to anyone else and hopefully provide some discipline and guidance to Prime Lending and their employees for these violations. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NH)

I recently decided to increase my student loan payment with Nelnet to pay it off sooner. When I reviewed my payment history ( attached ) online today ( XX/XX/XXXX ) I realized none of my previous payments were being applied to principal. I called Nelnet and discussed this issue with XXXX. He was very helpful and understanding but unable to remedy the situation. He admit ( on a recorded line ) many times that the loan was originally incorrectly input into their system and I should have had larger payments which at the very least covered the interest ; that's right, the payments didn't even cover the interest! These payments began 4 years ago on XX/XX/XXXX. Nelnet 's solution was re-calculate ( not the right term ) my loan and divide the payments by the remaining 20 periods which increased my monthly payment from {$55.00} to {$1000.00} ( attached ). I did not request this even though the e-mail from Nelnet ( attached ) says I did ( again they recorded the phone calls ). That's obviously an unreasonable ask and leaves them without any fault, even though this entire situation was their admitted mistake.
Consumer complaint received 2021-09-09
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. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.