davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (NE)

I have Private Mortgage Insurance on my mortgage loan. Each month around the XXXX or XXXX of the month, Plaza Home Mortgage Inc. takes {$240.00} from my escrow account to apply towards the PMI. This month, they took {$240.00} on XX/XX/XXXX. On XX/XX/XXXX my mortgage was paid in full 100 %. However, they took a 2nd PMI payment out of my escrow again on XX/XX/XXXX in the same amount of {$240.00} even though they had already taken it out on XX/XX/XXXX and even though the loan was paid in full. I attempted to communicate with them and asked them for an explanation and have received no response back. 

This does not seem like a fair practice and quite frankly, appears to me to be fraudulent activity to take a 2nd payment out since the loan was paid in full and I do not believe they should be able to take another PMI payment out unless there was still a balance the next time a payment was due, which there would not have been. Something does not seem right about this.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

The terrible ordeal is this I have requested the company to look correctly my information anf they never responded back waitted 90 days since last time and nothing I am tired of run arounds and speaking to agents that hardly speak english can you help me!!!
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

I filed a joint chapter XXXX bankruptcy on XXXX XXXX, 2017 with my spouse. That bankruptcy was discharged on XXXX XXXX of 2017. My credit report with Equifax is still not reporting any information on my bankruptcy. It is not even showing that I filed. But, it 's showing correctly on my husbands report. I contacted Equifax and was told they are just a credit monitoring agency and they do n't make any updates to the report. Since XXXX of this year, I have spoken to at least 8 different reps. Today ( XXXX XXXX ) after my husband viewed his report, it showed that XXXX XXXX was the vendor that was reporting this information to Equifax. I talked to XXXX with XXXX XXXX today ( XXXX XXXX ) at XXXX CT. She told me that they were the public record vendor for Equifax. She also told me that XXXX XXXX  is reporting MY bankruptcy information to Equifax, but Equifax is not obligated to report any information about my bankruptcy on my credit report. She directed me to call Equifax. So I called Equifax again today and spoke to XXXX at XXXX CT. XXXX told me it 's the courts responsiblity to report my bankruptcy information to the court. I confirmed with the bankruptcy court, they do n't report anything to credit bureaus, the bureaus have their own vendors where they get that information from. I asked XXXX if there was another department or someone who was more knowledgeable about the situation, he said everyone there would say the same thing and they have the same information that he has, so he could n't transfer me. I 've been trying to get this information updated for 2 months now. Now I know they have this information, but are just refusing to report my bankruptcy. Not only that, but they told me I could dispute all of my debts, but even if all of my creditors report my debt as discharged in bankruptcy, my credit report will never update to reflect the bankruptcy in the public records section of my report. I also want to mention that this bankruptcy is showing on my husbands credit reports. Since we filed jointly and only 1 notice goes out to the bureaus with both of our information on it. I know they received the proper notification.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2017-06-15
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: Experian Information Solutions Inc. (AL)

BACK IN XXXX I DISCOVERED I WAS A VICTIM OF IDENITY THEFT. ( SEE POLICE REPORT ) SOMEONE OPEN UP A PAYDAY LOAN IN MY NAME. I LATER DISCOVERED THEY OPEN UP A XXXX XXXX CARD IN MY NAME WHICH XXXX HAS REMOVED FROM MY CREDIT FILE AND SO HAS XXXX. BUT NOT EXPERIAN. ALSO THERE IS A FRAUDULENT XXXX XXXX XXXX ACCOUNT IN MY NAME XXXX AND XXXX HAVE DELETED NOT MY DEBT. IF YOU LOOK AT THE DATE AND ADDRESS ON POLICE REPORT FROM XX/XX/16. YOU WILL SEE I RESIDED AT XXXX XXXX XXXX XXXX XXXX .I AM ASKING CFPB TO INVESTIGATE AND ASKING EXPERIAN TO REMOVE THESE 2 ACCOUNTS FROM MY CREDIT FILE. THERE IS ALSO UNAUTHORIZE INQUIRES THAT I DID NOT AUTHORIZE.
Consumer complaint received 2017-04-27
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (VA)

I le ased Honda ca r with American Honda Finance Corp ( account #  XXXX   ).    Upon signing a leasing agreement, I set up an online account wit h Honda Finance , with autopay option when all monthly payments automatically withdraw from the dedicated business checking account opened with  XXXX . In about six-seven month later,  XXXX  blocked the account for security reason due to suspicious activity. I got a call from the bank and during the conversation addressed all their concerns. And I was under impression after that  XXXX  will unblock my account and all scheduled payments will be automatically resumed too. But, in reality,  XXXX  policy is such that customer must call the bank and request to unblock his account, even though I did not request to block it at the first place.   And I was under impression after that  XXXX  will unlock my account and all scheduled payments will be automatically resumed too. But, in reality,  XXXX  policy is such, that customer must call the bank and request to unlock the account, even though I did not request to lock it at the first place and nobody suggested that during my telephone conversation.   When a truck driver come to our house to take the car out, I immediately called  Honda Finance  and offered a full payment for the rest of the lease term, which we had right to do according to the agreement. But instead of taking payment right away over the phone, the  Honda Finance  representative suggested that car has to be taken now, but tomorrow we should call and make payment via  XXXX   XXXX , motivated that account already closed and nothing can be done. Next day, when I called to the customer service, I was told that it is too late to do anything and that it happened because of a red flag was put on my account as my husband, who handles all finances, had a controversy with some of customer service representative. According to them, he was impolite and demanding with customer service personnel. It seems like a personal vengeance to me.    American Honda Finance Corp.  violated my leasing agreement and intentionally and misleadingly re-possessed the car just several months prior to the end of lease date.    American Honda Finance Corp.  intentionally damaged my credit history and my reputation as a responsible consumer.   Even more,  American Honda Finance Corp.,  is attempting to collect the amount of {$5800.00} which is almost three times higher than my payoff amount was.   Just recently I received a letter from a collector,  XXXX   XXXX   XXXX   XXXX   ( r ef. accunt #  XXXX   )   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX  Phone :  XXXX  and from  XXXX   XXXX   XXXX   XXXX   ( ref acc  #  XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IN  XXXX  Phone :  XXXX  demanding payment of {$5800.00} Please help to obtain a full accounting info and all communication recordings with customer service representatives from  XXXX  software and to restore my reputation as a responsible consumer.
Consumer complaint received 2018-01-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: American Credit Acceptance, LLC (AZ)

On XX/XX/XXXX ; my wife and I purchased a new XXXX XXXX XXXX that was a loaner car from XXXX XXXX in XXXX. We signed all the loan documents and were told we were pre-approved for the car loan through American Credit Acceptance, we gave our {$1000.00} down payment and left with the car. A few days later, we go the hard approval but we needed to give our proof of residency, and do our welcome call. We provided the requested documents and did our welcome call. We then waited for our license plates and registration but they never came. 

We were contacted on or about XX/XX/XXXX and was told our approval was rescinded because my income did n't add up because the dealership failed to get my self employment documents which I then sent over and the approval was reinstated. 

On or about XX/XX/XXXX ; we went in to sign updated paperwork and were told everything was done and that everything was fine. 

On XX/XX/XXXX ; I was contacted by the finance manager that American Credit Acceptance wanted copies of bank statements for an account I no longer have access to. I was told that this would n't be an issue a week ago when I spoke with the regional manager from American Credit Acceptance. 

I am suspecting that I am being asking to provide all this additional invasive information because I am XXXX American and being discriminated against. This has been a nightmare and I have been more than accommodating to both but this is ridiculous.
Consumer complaint received 2017-04-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

I have been a loy al Wells Fargo  customer for years, and I have never been so disappointed in their business practices.     On  X/XX/17    I requested  XXXX  separate transfers from  XXXX  of my checking accounts with WF, to the other. The funds were available at the time of the transfer. In addition, there was a {$1.00} fee from  XXXX  deducted from my account to validate it. Following this there was an automatic payment from  XXXX . I was charged an overdraft fee for all  XXXX  charges. I am being charged {$35.00} for a {$1.00} fee that was nothing more than a test of my account! I do not understand how that is ethical.     I have contacted the bank twice, because I feel like the transfers were held to post out of order, thus causing an increase in overdraft fees. Had I requested a transfer without the funds being available, it would have been denied. The first person refunded  XXXX  of  XXXX  of the fees. I do n't feel like this was enough to correct this. I requested again for this to be done, and was told they would not refund any more of the fees. The only fee I feel is legitimate is for the  XXXX  payment.     In addition, I did not elect for overdraft protection on any of my accounts with WF.     I will also be closing all  XXXX  of my WF accounts.
Consumer complaint received 2017-04-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

On  XXXX / XXXX /   2017   XXXX   XXXX  was sent a letter from me asking for the original instrument of indebtedness in its original form of this said account in exchange for payment.   XXXX     XXXX  never responded to my letter.   XXXX   XXXX   was stating that I owe  XXXX . After the letter was sent, I checked my credit report on  XXXX   XXXX ,  2017  and the balance was changed to {$33000.00}. I was expecting a letter from them to no avail about this situation. Upon checking my credit report today  XXXX / XXXX / 2017   XXXX   XXXX  jumped the loan amount back to {$50000.00}.
Consumer complaint received 2017-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (DC)

I purchased this property on  XXXX   XXXX ,  2016   ( fo reclosure ). I have paid my Mortgage every month until  XXXX . In  XXXX ,    2016  my mortgage lender informed me that I owed {$8600.00} property tax that they paid on my behalf. I have contacted DCRA, and was told the property is classified as Vacant and Blighted, and D C Tax & Revenue Office to res olve this matter. I have done the leg work for the mortgage company from  XXXX  til now and provided them how they can  get their refund back from DC Tax Revenue Office, How ever, before this matter is resolved my mortg age loan has been sold to another company. I have started all over again explaining my situation, since they are demanding to get paid the above amount. In  XXXX  my first mortgage loan company return my payment and advised me that the loan has been sold to another company Finally after my case went to  the Tax Appeals Commission Court, and granted the request for removal of the vacant and blighted property designation, I have attached a few documents to support my case.
Consumer complaint received 2017-06-15
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: BARCLAYS BANK DELAWARE (MD)

Barclays through XXXX XXXX was paid off infill on XX/XX/XXXX with multiple verifications, that being Barclays phone support, XXXX online statements which it was paid with, and XXXX XXXX XXXX XXXX via phone and email and PDF. Credit bureau still reports that my account has a XXXX  dollar balance as of XX/XX/XXXX which would be 6 months after fulfillment of payment and cancellation of account. They refuse to give me a PDF copy of my last statement showing my XXXX balance, refuse to give me a confirmation of my XXXX balance to show my bank, and are even arguing with their collection agency ; XXXX, on giving them a statement with my account ID and account number being shown in the statement.
Consumer complaint received 2017-04-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On  XXXX / XXXX /   2017    XXXX    XXXX  was sent a letter from me asking for the original instrument of indebtedness in its original form of this said account in exchange for payment.   XXXX     XXXX  never responded to my letter.   XXXX   XXXX   was stating that I owe  XXXX . After the letter was sent, I checked my credit report on  XXXX   XXXX ,  2017  and the balance was changed to {$33000.00}. I was expecting a letter from them to no avail about this situation. Upon checking my credit report today  XXXX / XXXX /   2017   XXXX   XXXX  jumped the loan amount back to {$50000.00}.
Consumer complaint received 2018-01-16
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. (MI)

Experian is reporting erroneous information on my credit report. The collect account is from XXXX XXXX. The credit report is saying that the account opened on XX/XX/2015. The original debt is from XXXX University. I have the collection letter from XXXX University and the account did not go into collections on the date that XXXX XXXX is reporting. The amount of the debt is not the same as XXXX XXXX is reporting. I have had this account removed from the other two credit bureaus but experian is refusing to remove this erroneous information.
Consumer complaint received 2017-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

My name is  XXXX   XXXX  In   XXXX  , a series of events caused me to fall behind on my mortgage payments. I contacted my mortgage servicer (   XXXX   XXXX    ) to tal k about reinstatement. However, the lender and its agents denied me the right to reinstate my mortgage because they grossly inflated the reinstatement amount by $  XXXX  which effectively denied me the right to seek all loss mitigation options and forced me into a wrongful foreclosure. The actions by the lender and its servicing agents are at the minimum grossly negligent or at worse fraudulent. I wa s only two months beh ind in my payments which combined was less than {$5000.00}, but instead of sending a notice that I could reinstate the arrears for the actual amount of arrears, they sent me threatening letters that I had to pay {$65000.00}! Please help me and my family.     Recently, the servicing of my mortgage has been transferred from  XXXX   XXXX   XXXX   to  Shellpoint Mortgag e.
Consumer complaint received 2017-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

CapitalOne is the card issuer. I signed on to the card offer when the promotional APR was 0 %. I had used to card to transfer higher interest cards over to ease my payments. At the end of the promotional term, the rate jumped to 22.9 % even with my always On Time payments made at minimum amount but mostly with an amount over the minimum due.    Original Card Agreements s tated : ( APR ) fo r Purchases:0 % i ntroductory APR through you r  XXXX /2016  billing period. After that, your APR will be 12.9 %, 17.9 % or 22.9 %, based on your creditworthiness. This APR will vary with the market based on th e Prime Rate .     My rate is now 23.40 %  ( Current Prime Rate  - way to stick it to me! ) and accruing steadily - taking advantage of my hardship even when I phoned them directly after learning my job was going away. I had knowledge of company closing in  XXXX     2016. I W orked until end of  XXXX     2016. I mad e all payments even if just the minum oOn Time until the last 5 months. And now, the la st 4-5 mo nths Its over my head. I 've struggled to stay on top of payments and I have not yet landed gainful employment. I am optimistic I will in the next few weeks. Trying very hard to do so!
Consumer complaint received 2017-06-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kimball, Tirey & St. John LLP (CA)

KIMBALL TIREY ST. JOHN # RON0****   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   , CA 92108   XXXX   XXXX   XXXX   XXXX   The above referenced credit collector made a false report on my credit report, an d in it they claim that I owe them {$1200.00} for a debt that they are trying to collect for their client     XXXX   XXXX   XXXX  .   I lived in those apartments, and I paid all of my due rent. After I moved out they stole my deposit, and did n't return it to me. Some months later I did get a letter from  Kimball Tirey St. John in  which they claimed that I also owed {$1200.00} for cleaning of the apartment. I left the apartment in a clean condition. When I called them in order to set things right, they told me that they already reported it to the  Credit Reporting  agencies after I had a ruling against me. The thing is that I never got a Notice to  Appear  in order to contest their falce allegations. Please help me ; I am recently married, and I am trying to buy a home for my wife. I work as a   XXXX   XXXX   XXXX   XXXX   in a   XXXX   XXXX   school, and  XXXX  's false statements is affecting my ability to get a loan for a home.     Sincerely,  XXXX   XXXX   XXXX  cell