davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-02
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (NC)

My mortgage company change servicing company when that happened they stop taking our regular scheduled mortgage payment out I notitified them of that and then we trying to get back on track since then I have made XXXX mortgage payments and they only credited me for XXXX they have been very unhelpful and unapologetic and we still have n't got the situation corrected
Consumer complaint received 2024-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2016-05-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (CA)

There is very little information of the interest rate benefits of scheduling auto payments on my servicer 's website ( ACS-education.com ). Specifically, there is no information on it in the pages having to do with auto-payments ( ACS XXXX XXXX ). I have been making regular payments now for almost two years. I reviewed the ACS XXXX XXXX webpage several times throughout the time that I 've been paying back this loan because other servicers I use have made this information clear. Today, I finally found the following sentence in the Info Center section of the website : " Please note that many lenders offer interest rate reductions for accounts that are enrolled in an automatic deduction program. Just send an e-mail to us and we will notify you of your eligibility. '' I believe this information was intentionally hidden for the sake of profit. I believe this information would have saved me a decent amount of money if it were more easily accessible. I emailed them today, and am looking forward to a response.
Consumer complaint received 2016-11-18
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: BlueChip Financial (TX)

Spot Loan is saying that i applied for a loan back in 2014 and money was deposited in my XXXX account. I have n't not had a XXXX account nor did I apply for a loan. They have called several times but will not give out any information. A XXXX got real upset with me and told me " good luck. '' XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2016-12-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (IL)

FHA Loan established in XX/XX/2011. 

Monthly minimum payment has been made on time for the last 5+ years. 

I believe the minimum payment should have also had a section that detailed the payment required for MIP Loan to Value ration to have been met. 

I recently requested a review of my loan to have MIP removed, and because the LTV ration was not the required % I am not eligible. I 'll continue to have to make payments so rather than the 5 year minimum, I will likely be paying the full term of this XXXX add on to my payment. 

I feel that the design of the loan without the information of how I needed to increase payments to meet the LTV ratio was deceptive, and wrong.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

I filed a dispute over credit card charges made by XXXX 's XXXX XXXX XXXX in XXXX, Wisconsin, and XXXX XXXX XXXX was supposed to conduct an investigation and return the report to me to turn over to police in XXXX XXXX for a criminal complaint. 

When they dragged their feet, I filed a complaint with CFPB. CFPB then forced them to respond, in which they claim to still be investigating. That same day, I received a XXXX point drop in my credit score despite not missing any payments or ever being late, from Experian via email, and when I called them, they were unable to determine the origin. 

Today, I received a form letter detailing how XXXX is legally entitled to share my credit information to other credit cards. This clearly indicates that XXXX acted in a retaliatory manner and were the source of my XXXX point drop in credit ratingXXXX score. I will now be preparing a subpoena and suing them in federal court for retaliation. A company being investigated by CFPB for a legitimate complaint that turns around and attempts to inflict financial hardship by reporting to a credit card what the credit company already knows in an attempt to lower the XXXX score is ILLEGAL, and is XXXX XXXX evidence of retaliation. 

This is blatant misfeasance and an attempt to use otherwise legal reporting in a retaliatory manner in retaliation for me filing the initial complaint to CFPB.
Consumer complaint received 2017-01-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TX)

My husband and I 's minivan was totaled in XXXX of 2016. Someone without insurance ran a stop sign and hit the back end of our van, even causing it to somehow catch on fire! Anyway it was considered a total loss. Thankfully we had GAP insurance. Come to find out that our GAP insurance company did not pay the full amount they were obligated to pay. I talked to both the lein holder and the GAP insurance company and both parties were saying that the other one was wrong/had the wrong amount that GAP needed to pay to cover the remaining balance of the vehicle. Eventually there was a balance with accrued interest left on my account with the lien holder and it went on my credit report as a 30 days late payment since there had been no payment. I had to end up paying XXXX dollars just to prevent the account from going 60 days past due. Although my lein holder was sympathetic to my situation they have refused to remove the 30 days late payment from my credit. During all the talks I had with them -- they did admit it was the GAP insurance company 's fault that my account went past due and since then they have wrote off the remaining balance on my account which was about XXXX bucks. But i still have this issue with my credit report.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am submitting this complaint based on identity theft that took place with Experian, XXXX, and XXXX. The use of my social has been used against my will for several accounts that are now being reported fraudulently on these three major credit reporting agencies. I have also submitted a report with the FTC ( Federal Trade Commission ). Reference number XXXX and XXXX.
Consumer complaint received 2016-12-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Incorrect negative report by Bank of America on XXXX and XXXX I was recently informed of negative information reported by Bank of America included in the file XXXX and XXXX maintains under my Social Security number. This amount is the result of numerous attempts made to Bank of America to remove pre-authorized payments on my account. I maintain records of all these communications to the banking representative at the branch in XXXX, CA which were unanswered. These numerous contact attempts and requests for action by me as the account holder were neither answered or acted upon. As a result, the lack of communications and customer service caused service charges which I was attempting to avoid. Eventually, I had no choice but to close the account to avoid further arrears. Despite further contact with the branch in XXXX, asking to resolve these service fees, nothing was done. After my account was closed, Bank of America never contacted me as to the status of resolving the fees charged to my account from XXXX 2015 till approximately XXXX 2015. To the best of my knowledge, I never received a bill or statement from Bank of America informing me that an amount was still owed to them. I have sent copies of all communications by email documenting these attempts to talk to my account manager to dispute the information on my records that suggests I did not communicate at all. 

Please validate this information with Bank of America and provide me with copies of any documentation associated with this " amount owing '' bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record maintain under my Social Security number and provide an updated report from XXXX and XXXX. I also request that any amounts owing be reviewed and recalculated if warranted. I would like to clear up any monies owing.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2016-11-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (AZ)

I recently had a credit card cancelled due to information in my Equifax report. I have attempted to request a copy of the report through the Equifax web site, and find that although Equifax claims that you can request a report under these circumstances from the site, it is difficult or impossible to do so and Equifax steers you toward purchasing a report. Information on how to obtain a free report through the site is hard to find and results in broken links when you do find it.
Consumer complaint received 2016-12-09
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (CT)

hello, My name is XXXX XXXX. my wife and I have a mortgage with Caliber homes inc. back in XXXX under there advise started a modification with there company and since the our back payment of XXXX has turned into XXXX. partly because they took forever to yield any results. when we started this process it was to see if we could put what we owe to the back end of the loan and start fresh. My wife has a XXXX and because i used up all paid sick days to take care of her and our XXXX children. my Job was understanding about my situation i didnt lose my job but days with paid were only so many days and we went over the amount. there are few months were we were short in the paycheck. so in XXXX we tried to make good her medication was under control and she was back on track which means i was back on track but that was not concerned them since XX/XX/XXXX all we did was increase the bill to the point where its out of control and now we are in forclosure with no sale date. if feel lied to and i was mislead. i want action
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing this complaint against Experian. I have been notifying Experian for the last two months that they have reported my XXXX XXXX XXXX credit account close twice on my credit report which has tremendously affected my XXXX XXXX. Account number XXXX is being reported as closed twice on my credit report. This account was compromised back on XX/XX/XXXX. I attached a screenshot showing that this account was closed in good standing with exceptional payment history on XX/XX/XXXX. Recently in XXXX of XXXX, XXXX XXXX XXXX XXXX  accidently reported this account as active and past due. I am unsure how this happened. I contacted XXXXXXXX XXXX XXXX XXXX and notified them of the error on my credit report. A supervisor named XXXX informed me that she would reach out to all 3 bureaus and inform them of the error involving the past-due statement and the account being reported as recently closed. The derogatory past due statement has been removed, however, the account is now reflecting close on two different dates the original date which is XX/XX/XXXX, and the second date is XX/XX/XXXX. XXXX stated that they provided Experian with the necessary documentation to make the correction.
Consumer complaint received 2016-11-14
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I have been making payments on my Capital One account from my bank account for approximately a year. Every now and then they do n't make my payment available in my my credit limit and they put a hold on my payment, even though it has cleared the bank. The randomness of this is frustrating. My last payment they once again put on hold, my wife, an authorized user, was informed when she called in to see why payment was not reflected in our available credit. Several days later she called in to check the balance and available credit and was directed to the fraud department. They indicated that they have put a restriction on my account because they need to verify that the bank we have been making payments out of for over a year, belongs to one of us. WHAT? They told my wike that I needed to call and get on the phone with them and my bank. While this sounds simple enough, my problem with this is how these credit card companies can get away with accusing us of fraud and keeping my payment on hold when the funds have already cleared my bank. The fact that they are treating us like we have done something wrong when we have been making payments on time out of the same account for over a year is not right. I have not called them because it is a matter of principal and I feel like they are using delay tactics and harassing us for no good reason. I would like them to release the hold on my account and to stop finding reasons to delay my funds.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Consumer complaint received 2017-03-24
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION (NC)

Yes I had an agreement with someone to purchase an item for XXXX. I sent that person the money for the item. After a week of him saying he will send the item, I do n't hear from him for a day or he ignores me. After a week, he says he needs more money before he will send what I paid for. He of course is refusing to refund the money. I filed a dispute with my bank and sent them the original proof for the agreement to send the item, and then another picture showing where he said he needs more money before sending. The dispute team for my bank refused to refund the money. On their website, it says in covered by Visa Zero Liabilty for fraud, however they will not agree that o deserve the money back.
Consumer complaint received 2016-12-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (DE)

I disputed a late payment from XX/XX/XXXX with XXXX on Equifax. I provided documentation showing where the error was on their part. XXXX had agree to remove the late pay on their system based on this documentation. Equifax did not remove it on my file. This is NOT MY ERROR. If the lender agreed to remove it, why did Equifax leave it on my file after the dispute?
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.