davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC (WV)

Last XXXX ( XXXX ), it was noticed that our mortgage payment increased by {$340.00} without increase in taxes or insurance. I quickly realized Cross Country Mortgage was paying our full tax amount twice per year instead of correctly paying our half tax amount. This took months to fix and several escrow analysis statements were incorrect ( making the same error ). I tried to resolve this without a complaint but they kept incorrectly calculating our escrow analysis despite having a letter from our assessor. Finally, after a complaint through CFPB the issue was fixed and everything went smoothly until the end of the year. 
Recently, upon logging into my CCM account I noticed XXXX tax payments scheduled to come out of escrow in XXXX of XXXX. The XXXX  amount is XXXX for Tax ID number XXXX. The XXXX  amount is XXXX for Tax ID number XXXX. The XXXX is not our property. It is our neighbor 's. This was double checked on the district parcel map and is associated with our neighbor 's name. All of our land is included on the same tax ticket. The tax ticket was provided to CCM in a notice of error I sent on XX/XX/XXXX. It states our half tax amount due is the XXXX and nothing else. In the middle of all of this, I get notice that our servicer is changing. I gave CCM time to fix this and called in to see if it was fixed before transferring to the new servicer. I was told that as of XX/XX/XXXX it was updated and that both of those were indeed our property. However, they aren't. The lady I spoke with further looked into the account and noticed that in XXXX of XXXX they even received a letter from our assessor noting that the XXXX was not our property. XXXX & XXXX is our property that is on the same tax ticket. There is not an additional tax ticket. There is not anymore taxes that should be coming out in XXXX other than the XXXX. However, CCM failed to get it right again. I was told I would get a response from the research department soon but every single year we are coming up with the same issue. It needs resolved completely, especially before another escrow analysis is conducted for the upcoming year falsely showing our mortgage payment to reflect us paying our taxes and our neighbor 's taxes ( which is not ours ).
Consumer complaint received 2024-11-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The collection Agency has engaged in false and misleading practices violating FDEPA 807. Additionally, they have provided a form violating FDEPA 812. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-10
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)

All requests for a detailed investigation was responded to with bureaucratic filler jargan to deflect from what I was very specific about on my request. I want to give a written request for a forensic audit investigation into ALL CREDIT REPORTING AGENCIES EQUIFAX, XXXX, AND XXXX  and the manner in which they Rendered ALL my dispute requests .I am requesting that they provide a detailed Forensic audit of my credit report and investigation of ANY creditor that can not provide written proof of my request for service such as third party Creditor who paid for my debts, accurate date of delinquency " creditor or dept of education and inquiries '' for example I have student loans from 2000 on  my report but when i review my credit history it says 2 years. Either completely remove the old info and show only the consolidated report or allow me credit for the number of years my student loans existed and they all MUST be removedcompletely never to be seen and immediately. I want ALL CREDIT REPORTING AGENCIES to remove ALL VARIATIONS OF MY NAME THAT DOES NOT REFLECT A DIRECT MATCH to my court ordered name XXXX XXXX XXXX and match on All 3 Bureaus I request that there be copies of the FORENSIC AUDIT sent to me via email. I reserve the right to file lawsuit against all parties involved that refuse to cooperate fully and truthful with my complete request. This is my final request and attempt to correct and update my " Required Credit History '' THAT CURRENTLY IS CAUSING ME HARDSHIP IN JOB SEARCH AND ABILITY TO ACQUIRE CREDIT. I am a victim of Identity theft as recent as XXXX with several auto dealer inquiries I never applied for " I have a car im paying for '' Lastly I require that ALL THREE Credit Agencies EQUIFAX XXXX  AND XXXX REPORT THE SAME INFORMATION OR NONE AT ALL. My next step is to file a lawsuit.
Consumer complaint received 2023-12-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation (MI)

I bought a car through XXXX. They use a financing company called XXXX. They had a data leak and now someone named " XXXX XXXX '' is calling me nonstop saying they are XXXX. XXXX uis dealing with a company who has multiple class action lawsuits against them. They chose them. I have been called over XXXX times from XXXX XXXXXXXX XXXX claiming to be XXXX harassing me nonstop from a call center in the XXXX and my data gas been leaked. 

XXXX doesn't care. XXXX is a mess. I have a XXXX and it is causing me to be under such stress it is unreal. 

XXXX should not be doing business with this mess of a company with attorney General complaints and class action lawsuits against it.
Consumer complaint received 2018-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XXXX 2017 I filed for bankruptcy. My accounts with my student loans were all in good standing and I was on an income based repayment plan which was {$0.00} a month. After filing I noticed that my amounts were closed but then I noticed that I all of a sudden had 12 late payments. When I looked at my credit report all of the accounts had XXXX as failed to pay. How exactly do you fail to pay {$0.00}? I feel that was deliberately done to further bring down my credit score.
Consumer complaint received 2018-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

XXXX equifax refuse to remove these fraudulent trade lines from My credit report equifax refuses to remove both XXXX account for {$410.00} and {$420.00} also XXXX refuses to remove these 2 new accounts XXXX XXXX and XXXX XXXX as well and also equifax refuses to remove XXXX and XXXX XXXX I have a police report they will not remove it and fcra by law states you must remove these fraudlant accounts within 4 days
Consumer complaint received 2018-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (CO)

On XX/XX/XXXX we used a promotional 0 % financing option with Synchrony Bank to purchase a mattress at a local retailer. I was under the impression the offer was for 24 months. In the course of the sale, I did not pause to read the entire contract. I signed it. 

I set up regular monthly payments. I was receiving paper bills at first, but a few months later, requested online statements. I tried to set up my account on the Synchrony website, but had trouble. I did n't worry about it because I believed I had 24 months. The contract I signed unknowingly was for 12 months. 

By the time the promotional offer expired, on XX/XX/XXXX, I had paid off {$2300.00} of the original {$3200.00} price of the mattress. But I missed the deadline, which was at XXXX. They speak of a 30-day grace period, which ended XXXX, on XXXX XXXX. On XX/XX/XXXX, I logged on and saw a {$920.00} interest charge added to the bill. I immediately called the company and spoke to three different levels of management ( so I was told ). They explained to me that when that expiration date passed, I became responsible for interest from the day I purchased the mattress, at 29.99 %, for the full price of the mattress. I am aghast. I had by that time paid off more than 2/3 of the mattress price. ( There had been a couple of exchanges of the original mattress, with a credit of the original amount, followed by an increase, which was handled as an additional purchase. That created two expiration dates, one even earlier than the other. I had been billed interest for a couple months already! ) I do n't understand how a credit card company is allowed by law to place a consumer in such a precarious position. It feels like a case of predatory lending. I was set up to fail. Why are they not required to send me an email prior to the end of the promotional period? Why do they not send me an explanation of how a second promotional expiration date was created when we exchanged one mattress for another? Now I 'm being asked to pay an extra {$920.00} in interest, with nothing to show for it. I have never encountered a company that was n't willing to work with me, especially when my intentions were clearly good as I paid monthly and had almost paid off the bill. This is an enormous financial burden for me. I am hoping for some sort of alternate resolution.
Consumer complaint received 2018-01-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Receivables Group, Inc. (NC)

HEALTHCARE RECEIVABLES XXXX Address : XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Account Number : XXXX XXXX XXXX Credit Items HEALTHCARE RECEIVABLES XXXX Address : XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX - XXXX Address Identification Number : XXXX Status : Collection account. {$880.00} past due as of XXXX XXXX. 

I never received any bill or notification stating anything was owed or due. I have requested copies of statements for amounts due to verify that I do in fact owe the balance and verify the debt is mine and again I have received nothing. I noticed that it was placed on my credit report and upon further research found that NC requires the agency to be licensed or registered with the secretary of state and found that they were suspended within the state and in violation. I would like this to be removed from all three bureaus.
Consumer complaint received 2018-01-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (CA)

I obtained a payday loan in XXXX from Speedy Cash. My checking account was closed in XX/XX/XXXXdue to someone committing fraud on it. As a result Speedy Cash was unable to collect the debt. A few years went on and I got a call from Speedy Cash as well as XXXX XXXX XXXX XXXX. In XXXX I wanted to pay this old debt so I began communicating with both companies. A representative with XXXX XXXX as well as Speedy Cash promised to delete the collection from my account if I paid the debt IN FULL. In early XX/XX/XXXX I paid the account in full at {$310.00}. The debt reflects a XXXX  balance. What Im upset about is that I have called Speedy Cash 13 times to discuss the removal that was promised. I called XXXX XXXX 12 Times requesting that they hold their end of the bargain. They deny promising to delete the account and they told me that they will pull up a recording of the conversation to prove that they did not promise me to remove the account. I havent heard back from them. I would have not paid this account if I was not promised this Paid to Delete. Me paying no the {$310.00} didnt do anything to my credit score. Im happy its paid but Im very u happy with their collection practices. Please help. I can be reached at. XXXX
Consumer complaint received 2018-01-10
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. (MN)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof an original Consumer Contract with my Signature on it. you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.
Consumer complaint received 2018-01-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: DISCOVER BANK (CA)

I defaulted on a set of loans from Discover a few years ago. However, despite making all of my payments at times late, but always paid in the month it was due, for over a year, they still call me sometimes multiple times a day. 

I have called them multiple times to ask them to stop. They have not. Any number in the images below with the number XXXX XXXX XXXX XXXX XXXX is from Discover Student Loans. 

This is harassment. This should be illegal. They literally call me the day after I have made a payment.
Consumer complaint received 2018-01-10
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. (NJ)

Experian XXXX refuse to remove these fraudulent trade lines from My credit report XXXX refuses to remove both XXXX account for {$410.00} and {$420.00} also experian refuses to remove these 2 new accounts XXXX XXXX and XXXX card as well and also XXXX refuses to remove XXXX and XXXX card I have a police report they will not remove it and fcra by law states you must remove these fraudlant accounts within 4 days
Consumer complaint received 2018-01-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MB FINANCIAL, INC. (UT)

We refinanced our home, signing the Closing Documents on or before XXXX XXXX, XXXX. The loan was funded on or about XXXX XXXX, XXXX. The old loan did n't pay off on or about XXXX XXXX. We had n't paid our XXXX XXXX payment so it was reported delinquent. We have recently been notified another payment was reported as delinquent in XXXX XXXX.
Consumer complaint received 2018-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

On XXXX XXXX, XXXX I received an alert notice from XXXX XXXX XXXX, an Experian company. They had received a report from XXXX regarding negative activity on my credit report ( attached ). It states that XXXX XXXX had reported my account with the as " Bad Debt '' and " Placed it for collection. '' On XXXX XXXX, XXXX I received an alert email from XXXX ( attached ) that my FICO rating had changed. My XXXX account details ( attached ) show that my credit score dropped 60 point on the XXXX of XXXX and recommended I contact XXXX. 

I have contacted all three credit bureaus and filed disputed with XXXX and XXXX. Experian referred me to XXXX as the reporting bureau. I will, however, re-attempt to file a dispute / notification with that agency. 

I dispute the negative impact of the " Bad Debt '' classification and the referral to a collection agency, XXXX XXXX, XXXX. I was never informed that such a step was being considered or given an opportunity to payoff my balance with XXXX XXXX, which I would have done. My credit reports ( Experian 's is attached ) document an unblemished 81-month payment history. I also have routinely paid twice the minimum required monthly payment amount. My latest statement is attached, and I can provide two years of statements if needed.
Consumer complaint received 2018-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

On XXXX XXXX 2018 I contacted XXXX and equifax about numerous inquiries on my credit report that I did not apply for and they were no help told me to just call the creditor
Consumer complaint received 2018-01-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: STATE EMPLOYEES CREDIT UNION (NC)

On XX/XX/XXXXI went to the Credit Union located at XXXX XXXX XXXX XXXX XXXX, NC XXXX. Ive been dealing with the same person for over a year during this process of trying to Refinance my car loans. Today I went in for a follow up with XXXX XXXX which is who Ive been dealing with I was told to wait by the office representatives and someone would be with me shortly. I waited for about 7 min and then XXXX came from the back and said that he would get me signed in and be with me momentarily. After about 3 min another lady by the name of XXXX XXXX came up to me and said that she would be assisting me today. She asked me what exactly it was that I was trying to do today and I let her know that I had been dealing with XXXX XXXX and he knew exactly what was going on with my file and I was here for follow up. Instead of here having me work with XXXX XXXX she proceeded to ask me questions about what I was here to do. So I explained everything to her with absolute detail. Before she ran my credit I explained to her that I am a 100 % commission based employee and had only been on my Job for 1 year. She knew exactly what was on my credit before she pulled it because I told her before she put anything in the system. She ran my credit and denied my request because I was late on my car payment twice in XXXX. I asked for her Manager and she sent in XXXX which is the VP of the branch and she was extremely disrespectful. I would like to speak to someone Immediately concerning this situation. I am very disappointed with how I was treated this evening.
Consumer complaint received 2018-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (HI)

AES - American Education Services The federal loans I received in college were set up by the universities ( XXXX ) from XXXX. I am not sure how the paperwork was done or what I signed I was given no help by my parents at the time. After graduating and deferment was over, I was told I had to consolidate my loans to lock in a good interest rate in 2006. I was asked how much I could afford by AES, told it was my only option. I was locked into a predatory loan with astronomical rates and then they tried to steal away another 1 % percent that I fought and won over when they messed up the consolidation payment due times. 

Over the years I 've paid this loan of {$26000.00} - never late. I now see in my account it says I 've paid over {$40000.00} in principal and {$16000.00} in interest. These numbers do n't add up, in reality, I 've paid close to {$30000.00} out of pocket with {$15000.00} in principal still due and around {$10000.00} in interest due if I run out my full term. In total I will pay almost double over the life of the loan - hardly the great deal I was sold on in my XXXX. 

I would like to blow the whistle on these deceptive banking practices and would like you to look into what is going on here. 

I have asked to speak to someone at AES about a payment modification due to the predatory nature of the loans setup by both the school and them the lender, they said they have no modification department or anyone to talk to about this. They can not explain why the numbers do n't add up other than it is n't explained correctly on their website. 

Why this is predatory - As far as I knew I was borrowing from a State agency funded by the fed- I thought this was a non-profit school program with my best interests in mind - not a company profiting ( like shooting fish in a barrel ) from un-knowing borrowers. 

I 've tried refinancing outside of AES, and no company could help me refinance, as everyone I called, would only refinance private student loans ; and this is considered as federal loans through a private company. 

There are literally thousands of complaints online about this company.
Consumer complaint received 2018-01-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CT)

I had hired a Law Group that I had hoped could assist me with mortgage fraud that has been perpetuated against me for more than TEN years. After a discussion of my case with XXXX XXXX XXXX, which I was given the impression would direct me to a local attorney to assist me in my plight, I discovered they are ONLY in California, do NOT provide one with an attorney. At this juncture I had only given then a copy of ONE mortgage statement and some basic information. I divided the cost of {$750.00} between two separate Debit cards. Once I advised XXXX that I had fired this company and was repeatedly told by XXXX XXXX XXXX that " accounting would refund my money as nothing was done or submitted on my case. This went on for nearly a month and nothing was refunded. I finally had to deal directly with the banks independently and the charges were reversed. 

Apparently XXXX XXXX XXXX provided a retainer agreement to XXXX who without consultation with me reversed the fees and charged me once again. You should know that the retainer agreement DOES NOT HAVE MY SIGNATURE ON IT!!!!!!!! It was typed my XXXX XXXX XXXX and NOT signed by me. XXXX has refused to return this money or cease activity on my account and in fact charged me HUNDREDS in overdraft fees that I never should have been charged!!!!! 

Mind you I survive on Social Security XXXX and now can not afford heat my home or pay for electricity in my home because of XXXX XXXX  lack of due diligence and fiduciary responsibilities to me as the client!!!!!