davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

PMI/MI request to end payment of PMI from my mortgage. XX/XX/XXXX is 5  years from the closing, I 've made multiple request to have it dropped but 6 weeks later they will not remove it or explain why? They call it MI ( mortgage insurance ) so i send a request to drop MI on XX/XX/XXXX with no response. Here are multiple reference # or LTK # 's that should help : Your reference/ticket number is XXXX, Reference number : XXXX, original ref # XXXX The latest problem is that they DID NOT pay my taxes in time & are delinquent w/ fees & interest. Who is responsible for there mistake? XX/XX/XXXX. Now i check my mortgage statement & it increased {$17.00} per month but my taxes dropped & no explanation of my fluctuating fixed mortgage payment.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX XXXX they are my new mortgage company as of XX/XX/XXXX this year XX/XX/XXXX, transferred from XXXX XXXX. I XXXX  loancare complaints & 186 complaints on Loancare about customer service & billing. This company has done the same thing to me as they have done to many other customers. This company should be shut down for fraud!
Consumer complaint received 2017-02-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion lists a collection account on my credit report from XXXX for XXXX XXXX. This account was paid in full before ever being sent to collection. I have all of the documentation, and yet when I filed a dispute with Transunion, they responded less than two weeks later stating that the collection account and balance due is accurate. They did not ask for any documentation.
Consumer complaint received 2024-10-20
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. (GA)

XXXX and Equifax-These 3-credit bureaus are reporting fraudulent inaccurate information on my credit report. They also have old addresses and wrong names on my report. This has affected me adversely it's not until I pulled my report recently when I discovered that the information on my report was inaccurate : Wrong names Wrong address Wrongs husband 's names Debts that I was not aware of.
Consumer complaint received 2017-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: EQUIFAX, INC. (CA)

Data breach by malicious parties and personal information stolen for myself and millions more was announced on XXXX. Breach occurred in the XXXX - XXXX time-frame and was discovered XXXX XXXX. Interesting that it took a month to come clean about this. 

Information that came out says this was a simple hack that could have been prevented by adequate security. Since that was not in place and instead an easily hacked system that I can only assume was used to shave a few dollars off the IT budget. 

Since my private information is now up on the dark web or in a torrent I will always need to use credit monitoring and other measures until the day I die. This will affect my ability to pay my rent or own a home, purchase a car, obtain legitimate credit, my medical expenses and of course other consequences I have now way of predicting. 

We have put trust in financial corporations to keep our private information safe. Shirking your responsibilities to the consumer in the most catastrophic way possible is not the way to do that. 

The pursuit of profit may be all consuming but remember you need consumers to use your goods and services, treating them with this level of disdain for their financial security is unacceptable. There are people who 's lives will be destroyed by this. Actual flesh and blood people who are doing everything they can to survive in this rigged game. Meanwhile 'you ' will likely get a bail out.
Consumer complaint received 2017-03-09
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

My mortgage servicer 'Wells FARGO bank ' is demanding that my HELOC mortgage expired, and the NEW LOAN amount is three ( 3 ) times what it used to be. SO from XXXX/monthly, it went to {$1600.00} over night. I bitterly complained and ask for their detailed explanation. They said these loan expire every ten years, and the new loan payment will be three times what it was. I was shocked, and I never had any indication a change was eminent, so I ask the Bank to send me what paperwork they had, if any, that mandated such. They sent my personal loan and Deed to a cover-lettered complete stranger in another state. In the meantime I dug out my original paperwork to read through, and since I never ask WELLS, or anyone else to make any changes, I had a Perfect NO LATE record after seventeen years, and PERFECT credits FICO, why should there be this unexpected change? Why? 
I have read, and reread my note ( disclosure ) etc..and I see NOTHING, that would mandate any change, let alone a massive triple my customary payment change, with interests rates 'going down '. And in addition they kept gradually increasing my FIRST mortgage amount while interest rates were going down, so made me wonder what was going on with it, NOW this dramatic increase with my HELOC, My private inquiry to an independent accountant and loan broker said a NEW mortgage would be a much lower overall payment, so I 'm confused and really annoyed and I ask WELLS to just refinance both my loans they were servicing into one, so I could save on my cash flow, they refused. They said since I did not pay the increased HELCO, that, that had ruined my credit, so they could n't make me a new loan. That REALLY made me angry. I had perfect credit until they ruined it, now I feel they are acted deceitfully and FRAUDULENTLY, thereby forcing me against a wall. They suggested they could offer me a Mode loan,,, for people with BAD credit? My research tells me I will not qualify for a mode, since I have too much equity. This BANK is ACTING with unfound unauthorized overpowering illegality. They are using Arcane methods. They must be forced to stop.
Consumer complaint received 2017-08-05
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. (GA)

XXXX XXXX XXXX, The firSt one is XXXX XXXX {$400.00}, I have notifications from Equifax showing this was paid and removed. I 've disputed with XXXX XXXX and XXXX. Equifax removed this debt and it showed paid. Then all the sudden. In remarks it showed I was disputing the paid account in remarks.. It was then re-inserted on all XXXX reports. I 've read case law where this is against consumer laws and bureaus could pay monetary damage. I was never notified of it being added back to reports. I myself found it. Next, Again is XXXX XXXX XXXX, XXXX.. This was a XXXX XXXX account. Back in 2012 it was added to my reports but with inaccurate information the amount being XXXX.. I disputed it was removed. SUDDENLY in XX/XX/XXXX out of no where this shows back up being reinstated on my reports under 2 different companies appearing as a different account. 5 years later. I had my debt cleaned up. I had 2 accounts left to clear up. It again is against consumer rights to have something removed and reinstated years later. They 've damaged my score and has made my credit to appear horrible and caused harm. Third and final .. XXXX XXXX. I noticed a bill from a Gas company on my report. I did some investigation and it was in another state.. West Virginia and an address had been added to my credit report like I lived at said address. I sent Equifax proof, everything they requested to show I had not lived there. Utility bill, Id, tax returns. Equifax and XXXX XXXX removed the account from my report. XXXX has not. Equifax has not removed the address associated as they said they would.
Consumer complaint received 2017-09-08
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. (CA)

According to Equifax, my information was likely compromised in a security breach. Equifax failed to protect my personal information, which may now be used to misrepresent my identity and harm my credit or incur costs to me. This has required me to pursue various means to protect my credit and identity which i would not have otherwise been required to take.
Consumer complaint received 2017-08-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC (MA)

In 2015 XXXX XXXX wrongfully placed a delinquent account for {$270.00} on my credit report despite being informed that amount was not accumulated by me. I have disputed this via the credit bureaus. The item was removed at some point, sold to a collections agency and recently reinserted. Due to this my credit score has suffered a dramatic drop twice. Under the Fair Debt Collection Practices Act ( FDCPA ), there are certain guidelines and rules that apply to reinserting removed delinquencies. This account has not been verified nor have I received a letter informing me of its reinsertion. I am currently disputing it again.
Consumer complaint received 2017-08-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was notified by Bank Of America that I was committing a form of fraud because checks were being written and funds were not available intentionally. I had funds available per my account balance shown online and based on this information I continued to use checks. I then was one day notified account was closed due to fraudulent activity and was reported to XXXX XXXX and have been trying to resolve issue for about 2 years now. No help from Bank Of America and I even wrote them an explanation for good faith due to being unaware of process and delay to updates made on account when using checks. I resolved anything owed to the bank and then asked to be removed from XXXX XXXX and nothing has been done.
Consumer complaint received 2017-09-08
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. (CA)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc.  resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Consumer complaint received 2017-09-08
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. (MI)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that  they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Consumer complaint received 2017-08-05
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: Experian Information Solutions Inc. (GA)

XXXX   XXXX   XXXX  , The firSt one is   XXXX   XXXX   {$400.00}, I have notifications from  XXXX  showing this was paid and removed. I 've disputed with   XXXX   XXXX   and experian.   XXXX   removed this debt and it showed paid. Then all the sudden. In remarks it showed I was disputing the paid account in remarks.. It was then re-inserted on all   XXXX    reports. I 've read case law where this is against consumer laws and bureaus could pay monetary damage. I was never notified of it being added back to reports. I myself found it. Next, Again is   XXXX   XXXX   XXXX  ,  XXXX .. This was a   XXXX   XXXX   account. Back in 2012 it was added to my reports but with inaccurate information the amount being  XXXX .. I disputed it was removed. SUDDENLY in  XXXX  out of no where this shows back up being reinstated on my reports under 2 different companies appearing as a different account. 5 years later. I had my debt cleaned up. I had 2 accounts left to clear up. It again is against consumer rights to have something removed and reinstated years later. They 've damaged my score and has made my credit to appear horrible and caused harm. Third and final ..   XXXX   XXXX  . I noticed a bill from a Gas company on my report. I did some investigation and it was in another state.. West Virginia and an address had been added to my credit report like I lived at said address. I sent  XXXX  proof, everything they requested to show I had not lived there. Utility bill, Id, tax returns.  XXXX  and   XXXX   XXXX   removed the account from my report. Experian has not.  XXXX  has not removed the address associated as they said they would.
Consumer complaint received 2017-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NC)

My name is XXXX XXXX. The payment collection of my mortgage loan number XXXX was being serviced by XXXX XXXX XXXX XXXX until XXXX XXXX, 2017 when it was transferred to Dovenmuehle Mortgage Inc. As a result of this change I ended up paying twice the monthly installment ( {$1300.00} ) for the month of XXXX XXXX. One payment was made on X/X/2017 to XXXX XXXX XXXX and the second payment was made on X/X/2017 to XXXX Mortgage. A few days after receiveing this last payment XXXX XXXX XXXX transferred it to Dovenmuehle Mortgage. That 's how Dovenmuehle Mortgage end up with double mortgage payment for the month of XXXX 2017. I have made multiple requests to Dovenmuehle Mortgage Inc. to reimburse this double payment ( for the amount of {$1300.00} ) to  me in a form of a check. It has been two months now since my initial request, and despite I have contacted them twice ( last time talking to an Agent named XXXX ), Dovenmuehle Mortgage has refused to send me a check. Dovenmuehle Mortgage Inc. address is : XXXX XXXX XXXX, XXXX, PA XXXX and their phone number is XXXX. Please help me get my money back as I have no other means to deal with this bank. Respectfully, XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2017-08-07
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. (TX)

In XX/XX/XXXX, I had a student loan debt consolidation with XXXX XXXX that included XXXX and XXXX XXXX XXXX loans. My XXXX loans were sold to XXXX XXXX XXXX in XX/XX/XXXX or XX/XX/XXXX. I was never notified that this happened because I moved, nor was there any worries about making payments since XXXX XXXX approved a loan forbearance. I disputed with XXXX that I had XXXX student loans in forbearance and XXXX XXXX placed them in forbearance as well ; yet, when XXXX XXXX sold loans to XXXX, XXXX did not honor the forbearance and reported late delinquencies. ( See attachment XXXX Forbearance Loan Declaration.pdf for forbearance dates that XXXX XXXX agreed to honor ). I began rebuilding my credit in XX/XX/XXXX or XX/XX/XXXX and sought the assistance of a Credit Repair Specialist. She contacted all my debtors, including my student loans. After 3 months I decided I no longer needed her assistance. In XX/XX/XXXX, XXXX XXXX XXXX reported a Charge-off on my XX/XX/XXXX pay history. I contacted Customer Advocate at XXXX on XX/XX/XXXX. About 7-10 days later I spoke with XXXX XXXX about the Charge-off. She stated that the loans are sold to XXXX XXXX XXXX and can not make any changes to the credit reporting. I disputed the inaccuracy with XXXX and they upheld the credit report and made no changes. I have attached credit reports of my XXXX and XXXX report for reference. **Update : I reviewed my credit report and the Charge-Off in XX/XX/XXXX seems to have fallen off ; however, as retaliation XXXX has reported a " Failed to Pay '' in XX/XX/XXXX. The account was consolidated and XXXX was Paid in XX/XX/XXXX. Also, this is the same dispute I have with XXXX XXXX Assistance. I have attached their response ( XXXX Response.pdf ) for reference. Please note the XX/XX/XXXX date that XXXX has been reporting delinquent, but was not the account holder until XX/XX/XXXX.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Good day, please check this complaint thoroughly. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and XXXX.
Consumer complaint received 2017-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (CA)

I bought a used XXXX XXXX car XXXX ( plate was XXXX before XXXX sent new XXXX XXXX ). My husband XXXX XXXX and I have a XXXX account that is replenished automatically XXXX our XXXX card ( ending in XXXX ). We have no idea if was because of the plate or transponder not working but XXXX bridge crossings XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX did n't register. We spent a lengthy amount of time with XXXX resolving the issue ; them admitting error, apologizing and assuring us that it all was good and settled. 3 months later I started getting collections notices from PAM ( their dept agency ) and has been an unending nightmare ever since. I have done everything they said to DISPUTE the charges - that are now XXXX the toll, XXXX charges of $ XXXX each, total {$220.00}. PAM will not let me talk to XXXX, or access records of our conversations. XXXX PAM employee said I should just XXXX it up and pay the charges even though it not right or fair. Is that what you suggest? Do I have any recourse other than hiring a lawyer, which I sure will cost me more than {$220.00}. Please let me know, XXXX, XXXX XXXX XXXX
Consumer complaint received 2017-02-14
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Continental Finance Company, LLC (NY)

Back in XXXX of 2016 my CC exp. And i was not issued a replacement card. For three months i called and requested a new card, but XXXX was never received. I continued to express my frustration ; while paying my bill. During the fourth month, i stopped payment and requested the card once again. At that time i was told that a card was not going to be issued, due to me having a late payment. Taking it up the chain and once again expressing my frustration with not being able to make purchases due to me not having the card. I was told nothing could be done for me. At this point i closed the card. After that ive been hit with a lot of fees. Ive tried to resolve the issue and i keep getting told that they ca n't help. The acct has hit collections, but in no way do i feel like im responsible for the balance that im being told. Im greatful for your assistance. Thanks in advance.
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Information such as 4 collections and 9 inquiries were deleted from my transunion credit profile on XXXX and were readded on XXXX. I tried disputing the incorrect info and transunion did not comply to any of my concerns on XXXX
Consumer complaint received 2017-08-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (SC)

XXXX 2015, I showed up to my home and the locks had been changed. I contacted the company and they said the I had abandoned the home. I tried to talk t the company, OCWEN ( Owen Loan Services. ) They told me that I could not get the home back. They sold the home and said they were not going to give me the difference from what was owed on the loan. I spoke to the legal department. He told me I only owed 3 years on the house so they were going to sell it and make a profit. They took my furniture and all contents in the home.
Consumer complaint received 2016-07-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: National Financial LLC (DE)

I have been borrowing from Loan Til Payday and I can not seem to ever pay anything more than interest when they are taking {$280.00} out of my check every other week for the past 3 or 4 pays on a {$1000.00} dollar loan and I can not keep doing this. The interest is way to high and just with that along I ca n't put anything towards the principle. I spoke with someone about it and they told me I am getting ripped off and to contact you because XXXX dollars every other week just for interest is insane.I am a single mom of XXXX and needed the money to move into a better house after being almost homeless. Now I ca n't seem to get back on my feet with this high interest alone. I am getting set back further and further by the XXXX being taking out of my account just for interest.