davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

This is a continuation of a prior complaint, which was not completely resolved, but was closed by CFPB anyway. There are some outstanding issues, and again, Freedom Mortgage is not responding to calls to their Customer Service Dept ... 

XXXX/XXXX/XXXX : Recd an Escrow Disclosure Statement from Freedom. Most of the info is now correct, but there is one amount that appears to be incorrect : On XXXX/XXXX/XXXX, Freedom incorrectly paid {$4800.00} from the escrow account for our home, to pay property taxes on a home with a similar address. They then issued a credit on XXXX/XXXX/XXXX, but for the amount of {$4600.00}. Why did they refund {$200.00} less than they paid out? 

XXXX/XXXX/XXXX : Called and spoke with XXXX, who connected me with Supervisor XXXX ( # XXXX XXXX. Both were more friendly and helpful than anyone Ive dealt with to this point, and I gave them an overview of the history. I told them that we are 95 % there, but just need this discrepancy explained. XXXX said that she would get back to me between XXXX and XXXX tomorrow ( XXXX ). 

XXXX/XXXX/XXXX : Havent heard anything from Freedom Mortgage. Called them at XXXX, 17 minute call. The guy read me some ancient history about our property taxes being paid for the wrong parcel, and no refunds from XXXX County. I explain that that is not my problem ; my only concern is the {$200.00} discrepancy between what was incorrectly paid OUT of our escrow account in XXXX, and the credit received in XXXX. He doesnt know. I ask to speak with XXXX. He comes back and tells me that she is not at her desk, but he can have her call me. I explain that NO ONE at Freedom has EVER followed through on a promise to call me back. He cant do anything other than leave her a message. I advise him that Ill give her until Friday to call me back, and then XXXX file  another complaint with the CFPB. 

It is now XXXX/XXXX/XXXX, a full month since we spoke with customer service, and we 've heard nothing from Freedom on this issue.
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

In XX/XX/XXXX We took a loan for XXXX from XXXX  XXXX XXXX, which later was bought by XXXX XXXX XXXX XXXX XXXX  for a property located in XXXX XXXX, Florida. Property Address : XXXX XXXX XXXX XXXX, XXXX, FL. XXXX. Such Mortgage was Paid and Satisfied ( Letter of Satisfaction attached ) in XX/XX/XXXX, but it is still coming up on our Credit Reports as an ongoing late payment. We respectfully request this situation corrected, since it is adversely affecting our credit scores and our ability to conduct our business.
Consumer complaint received 2017-10-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (NC)

This company is reporting an erroneous " paid '' collection account on my credit reports. This not mine. When I disputed the account through the credit bureaus it came back " verified ''. I then sent this company a letter on XXXX XXXX ( please see attached ) and they ignored it, yet they are still reporting the collection to the credit bureaus.
Consumer complaint received 2017-10-27
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: Resurgent Capital Services L.P. (CA)

Subject : XXXX - XXXX XXXX XXXX - Acct number ending in XXXX CFPB Case XXXX A review of my records shows that the minimum amount due was paid on the billing cycles date. While all payments were received around the same due date, these payments satisfy the minimum amount due. Because the full minimum amount due is accurate, therefore the account should not reflect 30-days past due and report as such to the consumer reporting agencies.
Consumer complaint received 2017-10-27
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: SYNCHRONY FINANCIAL (CA)

Subject : XXXX - Extras Master Cared - Acct number ending in XXXX CFPB Case XXXX A review of my records shows that the minimum amount due was paid on the billing cycles date. While all payments were received around the same due date, these payments satisfy the minimum amount due. Because the full minimum amount due is accurate, therefore the account should not reflect 30-days past due and report as such to the consumer reporting agencies.
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (VA)

I have asked Equifax several times to add the following to the report after the mistakenly removed it .... 

Please add these back. 

XXXX XXXX XXXX - Monthly payment {$380.00} - Closed XXXX XXXX XXXX - Monthly payment {$550.00} - Currently active. 

XXXX says they are actively reporting it but Equifax deleted these two. Please add back just the two non-fraud GOOD STANDING accounts.
They were removed by mistake, the removed a charged off one properly, but also removed these two which are in great standing. These two being removed hurt my score tremendously. Please add JUST THE TWO ABOVE back. 

I tried talking to the creditors and they said it is properly reporting, so I have to request Equifax adds them back.
Consumer complaint received 2017-10-27
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. (VA)

For my XXXX XXXX ... XXXX .... XXXX ... .. The following accounts have been incorrectly reported. 

XXXX not ending in XXXX - There is a social security number variation that looks like XXXX or something. That is NOT correct or mine, and can explain why the following items below are listed. 

XXXX XXXX XXXX XXXX charged off account ) - This charged off account is not mine and needs to be removed immediately. My ex-spurse XXXX XXXX added my name without my permission and signed my name as a co-signer. 

XXXX - This account had unauthorized charges and I had them close it, this should be removed and a {$0.00} balance.
Consumer complaint received 2017-10-27
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: Navient Solutions, LLC. (CO)

I have had issues with Navient for several years. They were mandated to remove payment histories from my bankruptcy XXXX from XX/XX/XXXX back to XX/XX/XXXX and still state they dropped the ball and these have n't been removed from my credit report. Only XXXX acct. They refuse to remove the XX/XX/XXXX student lian that was discharged.
Consumer complaint received 2017-10-27
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. (FL)

XXXX XXXX XXXX offers free XXXX XXXX monitoring through Trans Union. 
Scores. XXXX XXXX : XXXX XXXX A drop of XXXX points. I use all my credit cards every month also paying my balance is off in full every month demonstrating responsible financial behavior I sent a copy of Trans Unions explanation why the XXXX XXXX dropped so much which does not apply to me. I enclosed a photo copy of the XXXX XXXX XXXX fico score chart and copies of bank statements reflecting Usage and payments of credit cards
Consumer complaint received 2017-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: M&T BANK CORPORATION (NY)

I recieved a promotional " preapproved '' credit card notice on XX/XX/XXXX. Was declined on XX/XX/XXXX from M & T bank. The language in the application process when I entered in the promo code and supporting information stated that due to the preapproved status it would not be a hit on my credit report if I was declined. I asked the representative on XX/XX/XXXX at around XXXX XXXX after being declined if my credit would be hit she said basically it would but could not say if it would be a soft or hard inquiry. I went to look back at the language of the actual application stating my credit would not be impacted was locked out of the application since it was, completed and given the phone number I just called. I could not see if the terms and conditions were different from the advertising. I think someone should investigate the whole " preapproved '' credit card for existing customers process at M & T to see if they are giving misleading information or maybe blurring the lines to go under the radar of the FCRA. They may be ok here with their terms and conditions but I couldnt review them again due to being locked out of my application to doublecheck and the reps confusion to my request. Thats why I think its worth looking at their whole process to see if they are advertising their offer per the guidelines of the FCRA. Thank you for your time and attention.
Consumer complaint received 2017-10-27
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (KS)

When I pulled my XXXX credit back around XX/XX/XXXX I realized that there were multiple Student Loans on my credit report. I contested those loans given I did n't sign as a co-borrower for these loans. I also just finalized a Chapter XXXX bankruptcy. I have my own Federal Student Loan that has been on pause while I was in Bankruptcy. When I logged onto Navient I realized they were listing all of my ex-wives loans on my account as well. I have requested the original promissory notes and it is obvious that at least four of the six promissory note signatures have been forged. I want to take my name off as a co-borrower on these loans. My ex-wife has entered a diversion back in XX/XX/XXXX for forgery charges. In addition, in XX/XX/XXXX she was charged with a misdemeanor and entered into probation for embezzling money as the PTO Treasurer of our daughters school. I simply want my name taken off of these loans as a co-borrower due to forged signatures.
Consumer complaint received 2017-10-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF THE WEST (AL)

Bank of the West never sent the Title for my Boat, Motor, and Trailer after I paid off my loan. I moved and am still in contact with the people living in my old house. They have not received the documents either. 

I 've contacted Bank of the West numerous times and the only thing I got from them was a UCC filing showing the debt satisfied and the lien released. 

I previously had this same problem ( no Title returned ) on a car that was financed through them by a dealer.
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I decided to put a freeze on all three of my credit reports. I received a letter from my loan organization, XXXX XXXX Bank, with the 3 web addresses listed on them to freeze my files. I did XXXX and XXXX first, which was so simple I could n't believe it. When I went to TransUnion 's web site, www.transunion.com, I went to the left bottom of the page where it had a link " TU Credit Lock. '' Having done it twice already on the previous 2 credit sites, I proceeded to put in my information. Well, on the right side of the page, in a block that is not very large, it says " You have chosen Credit Monitoring for {$19.00} per month. '' Why it did not say this on the very blocks where I was filling out my information instead of on the side of the page, I do not know. Or yes, I do know - TransUnion is tricking people. You think you are putting a lock on your credit report but you are really subscribing to this credit monitoring service. So when I did n't get a PIN number at the end like I did for the previous 2 sites I went into to lock my credit, I called TransUnion and found out that I subscribed to this service. They cancelled it for me, but of course, I HAD TO PAY FOR THIS MONTH. TransUnion is ripping people off with this method. They are tricking people. The other 2 sites are so simple to use. TransUnion should be ashamed of the way they do business. If the link had said " Credit Monitoring Service '' I never would have clicked on it. But it said " TU Credit Lock '' and that 's what I THOUGHT I WAS DOING. DECEIVING!!!!
Consumer complaint received 2017-10-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OH)

I have had a home loan with Freedom mortgage for about 10 years now and XXXX of this year I received a letter from XXXX County Auditors Office telling me that they were about to auction off one of my properties because of non-payment of properties taxes. I have three partials for my property. I asked witch one and they said the one that my house was on. I told them that I pay my mortgage company to pay my taxes from the escrow. I then called Freedom mortgage and had both Freedom mortgage and XXXX County Auditors Office on the phone at the same time. Come to find out that they have not paid taxes on that property in about 8 years. But I have had them for 10 years so how it fell off Freedom mortgage did not know. I now owe over {$13000.00} in back taxes and Freedom mortgage this month raised my monthly payment from {$1300.00} to {$3100.00} to cover back taxes. I called Freedom mortgage several times to get help and was told that if I didnt pay the {$3100.00} this month it will show on my credit report as nonpayment. I also explained what I found on the internet about ( RESPA ) but they didnt care to hear it! I cant make these payments so we are about to lose our home that just last month put {$15000.00} into a new roof, driveway and new kitchen. We need help PLEASE. My loan number is XXXX I live at XXXX XXXX XXXX XXXX Ohio XXXX. Can you help? My cell number is XXXX my email is XXXXXXXXXXXX
Consumer complaint received 2017-10-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION (GA)

On XXXX XXXX, 2015 XXXX XXXX XXXX placed an account for the amount of {$5100.00} on my credit report in violation of the Fair Credit Reporting Act. XXXX XXXX XXXX failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account XXXX XXXX XXXX is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.
Consumer complaint received 2017-10-27
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: AMERICAN EXPRESS COMPANY (FL)

I had an account with XXXX XXXX I paid the account off and at no point was it charged off. I believe there was some type internal error that they coded the account to be a pay balance each month instead of monthly. Whatever the case it never was charged off. This is have a huge impact and I really need your help.
Consumer complaint received 2017-10-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

EXPERIAN website or customer service will not allow me to dispute a XXXX   medical bill. 

As of XX/XX/2017, theres a 180-day waiting period  before unpaid medical debts I cant even post comments to explain my situation
Consumer complaint received 2018-12-03
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. (MD)

On XXXX XX/XX/2018 I disputed a late payment with Experian. 

The late payment was from XXXX XXXX XXXX  for XX/XX/2018. The account was closed a month before on XXXX XX/XX/2018 and marked paid. According to The XXXX XXXX XXXX XXXX, you can not add late payments to an account AFTER it is marked closed. 

I disputed this account on XXXX XX/XX/2018 and less than 48hrs later, Experian closed my dispute WITHOUT validation and investigation into my dispute which is negligent. 

Nor did they follow the law. My account was closed and paid in XX/XX/2018. You can NOT add a late payment for the month after an account is closed. The account is closed, therefore I no longer have a payment obligation.
Consumer complaint received 2017-10-27
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: Resurgent Capital Services L.P. (OH)

On XX/XX/XXXX, I sent a certified letter to XXXX credit bureau disputing a debt for one XXXX XXXX XXXX in the amount of {$8000.00}. After 30 days per the FCRA XXXX reported the data was verified and accurate. On XX/XX/XXXX, I sent another certified letter to XXXX in accordance with the FCRA requesting the methods of verification used in accordance with the FCRA. XXXX failed to provide this information which is a violation of the FCRA. On OXX/XX/XXXX, I contacted XXXX via phone and requested once again the method of verification in response to XXXX 's credit report stating " verified as accurate and updated '' File # XXXX. I reiterated by asking XXXX to provide the name, address, and the telephone number of each person contacted regarding this alleged account. On XX/XX/XXXX7, I received another credit report from XXXX ( same file # ) but this CBR had the same creditor listed twice, as if the debt was totaling {$16000.00}. XXXX did not re-investigated my dispute, as the CBR sent, was dated the same day of my call. AsI reiterated in my certified letters, and call to XXXX, any automated response or e-ocar verification is unacceptable. XXXX must provide documents bearing my signature that the debt is valid. As of the writing of this complaint XXXX has failed to respond to my request. Thus,, XXXX is providing inaccurate, unverifiable information on my CBR and is violation of state and local credit reporting laws, as well as violating the FCRA. There is also a separate complaint against the creditor.
Consumer complaint received 2017-10-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (CA)

On XXXX/XXXX/XXXX I sustained an animal bite and was directed to the XXXX XXXX Department where I received XXXX XXXX. Before being XXXX, they updated my medical insurance information and contact details. 

In XXXX XXXX my medical bill for {$2900.00} was still showing as outstanding in the hospitals patient portal, so I contacted XXXX and they instructed me to contact my insurance company, XXXX, as the payment had not been received yet. XXXX said they never received a claim from XXXX for this ER visit and instructed me to file the claim personally, which I did. I used the online interactive form and forwarded the claim documentation to the insurance company and to XXXX. Both XXXX and the XXXX XXXX XXXX XXXX department confirmed receipt of my claim and I kept both organizations on copy in my e-mail filing the claim. 

I had used the same insurance with XXXX previously and I did not have to file the claim myself - XXXX billed the insurance company directly and received the payment without me getting involved in the claim process at all. 

In XXXX XXXX I received a letter from XXXX XXXX XXXX informing me that XXXX XXXX XXXX have placed my account with XXXX XXXX XXXX for collections. I tried contacting XXXX to clarify, but every time I call, my call is routed to XXXX XXXX instead of XXXX and I was informed that I would not be able to speak with an XXXX representative.
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Experian is charging {$10.00} to freeze and unfreeze my credit report. They changed my temporary unfreeze into a permanent unfreeze so now it 's {$20.00}. This is an insane amount for a simple service that improves consumer security. Let me control access to my information.