davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (TX)

My family bought our first home about a year ago and we have had our mortgage servicing changed 3 times in the past year. Our current mortgage servicing company is Freedom mortgage. I tried to make my XX/XX/XXXX payment with this company on XX/XX/XXXX and I received a confirmation # from them which I have. They gave me a call on XX/XX/XXXX saying the payment had n't gone through even though I received a confirmation. I was told the bank info had a XXXX number error and it did n't go through because of this. Now they have added a {$73.00} late fee to my payment. Prior to this, I tried in XX/XX/XXXX to get automatic payments done, but their website would not allow me to do this. I also called them on the phone to do this without any avail. Furthermore, they 're website does not have the capability to save bank information ; therefore, it would be very common to have a human error when making payments. I was supposed to have a manager call me and reverse the payment. I had to call back today on XX/XX/XXXX because I have not had anyone reach out to me. Furthermore, I waited an hour and half and was still not put in touch with a supervisor. On top of this there was no record of my call on XX/XX/XXXX with them because their customer service rep forgot to save the notes. I 'm very upset that this company treats its customers this way and tries to gauge them with late fees.I never signed up to work with this servicing company and have been forced to do so because my mortgage keeps getting sold. Furthermore, they do not help their customers fix issues and waste their time when customers try to resolve issues. This is very troubling and this company needs to be investigated for their practices.
Consumer complaint received 2017-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (FL)

I opened an American Express Credit card for my business and made a {$40000.00} purchase the first month ( XXXX, 2017 ). I am supposed to get one point in the Memberships Rewards Program for every purchase made. These XXXX points were never credited. I checked today, to use the points to get airline tickets, and noted the lack. The company refused to instate the points.
Consumer complaint received 2024-08-27
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. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2017-05-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (FL)

This complaint is against the company  " Commonwealth Financial ''.      Currently, they are reporting that I owe them a total of {$760.00} on my credit.     I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit report. I did not know this was even on my credit until I checked my report recently and I discovered that they were reporting this.     Are n't collection companies supposed to send me a notice of a right to dispute a debt before they place it on my credit?     I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.     To facilitate the CFPB 's investigation, this is the account number from my report : "  XXXX  '' My report indicates that the account has an " open date '' of  XXXX   2017.
Consumer complaint received 2017-09-09
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. (TX)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Consumer complaint received 2024-08-27
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. (MI)

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 2017-09-17
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 data breach. My personal information was leaked due to poor security measures by the company. Per Equifax, " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
Consumer complaint received 2017-09-17
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: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I have tried to contact these companies several times without success since XXXX they just switch information to another company and do not really care what you send them. Even a police report or an affidavit.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to file a formal complaint against TRANSUNION for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act. 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TRANSUNION has failed to comply with the law and has retained the inaccurate account information. 

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TRANSUNION to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TRANSUNION upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I tried to place a security freeze with Transunion. Transunion processed my credit card for the amount of {$10.00} but then claimed they could not complete the security freeze. This was at XXXX at night XXXX XXXX which I doubt is high load time for their website. They offer not easy recourse to recover the fee they charged.
Consumer complaint received 2017-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

I received a letter from Ditech Financial LLC on approximately  XXXX   XXXX ,  2017 st ating that my mortgage payment due  XX/XX/2017    was not received . ( My mont hly payment was {$1300.00} but increased to {$1300.00} due to an increase in the impound account. ) The letter stated a total amount due of {$89.00} including late fees of {$46.00}. The amount past due was {$43.00}. The letter then stated that I could seek assistance or guidance from HUD a list of approved counseling agencies can be found at HUD.gov.     The letter then stated that I could make a payment online, visi t Ditech online  or call. The letter then stated " This communication is from a debt collector. It is an attempt to collect a debt, and any information obtained will be used for that purpose ''. Very intimidating verbiage.     NOTE : the past due amount of {$43.00} was due to an increase in the monthly payment due to an increase in taxes assessed and being paid through an impound account. The deficiency was simply due to my failure to increase the automatic monthly payment by the increase amount. I simply forgot.     I contacted the company to question the 100 % + late charge and was informed that the charges are based on the whole payment, even thou gh Ditech recei ved and processed {$1300.00} on  XXXX  -17. My   payments are set up for monthly automatic deduction from my checking account. Upon my discovery, this date, I paid via automatic payment  to Ditech the {$4 3.00}, which they will receive tomorrow  (   X/XX/17     ).      The customer service representative took my information and stated that she would have someone return my call.
Consumer complaint received 2017-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received my online statement due on  XXXX . My statement separates my purchases because I have a promotional offer. On my  XXXX  statement I had made purchase that were open to regular interest rates and  one sp ecial promo that is under contract for a special interest rate throu gh 2020. I  made a large payment on  XXXX  to pay this statement.     I received my next statement due on  XXXX  and it revealed that they had used my previous payment to pay off a new transfer made on  XXXX , which is after my statement close. When I contacted them regarding this they told me that 0 % aprs are paid first then higher apr. I do not recall this ever being the case but I said fine but how can you pay off something that has not been on my statement yet. I specifically planned my payment to basically pay off my purchases since I did a new transfer for the  XXXX  statement. It seems they did this since I was avoiding higher interest rates and they wanted me to owe more in interest rates. I really need someone to review this. I have copies of all my communications with them.
Consumer complaint received 2017-09-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc. (TX)

I have recently been alerted to a collections account added to my credit report. I received a phone call from a collections agency at the end of XX/XX/XXXX informing me of this account and telling me that I owed {$110.00}. I told the agency, I have no knowledge of this account ( as I have not received any billing or invoices ) and to please send me written verification of this account. I then proceeded to contact XXXX XXXX and asked to speak to the Manager on duty ( I believe XXXX an Asst. Manager ), he then proceeded to inform me of late fees and return fees that I have been assessing  for the previous months and told me I would have to speak with the GM as to any resolution. I was told that the XXXX would contact me the next day ... I have been unable to speak with this person since ( about a week ). I have still not received anything in writing from the company in question or the collections agency verify this debt at this time ( XX/XX/XXXX ). 

My chief complaint : I would like to understand how a business whose main point of advertising " no contracts '' is holding my credit score XXXX on a contractual premise that I owe them money, which was never billed or disclosed to me until a phone call from a collections company. I understand that business protocols take time to be established and oversights happen, but the sheer amount of similar complaints I have recently read in the BBB, XXXX reviews, etc. are all pointing to illegitimate and unfair business practices. 


FIRST CREDIT SERVICES Last reported : XX/XX/XXXX Balance {$110.00} Highest Balance {$110.00} Opened XX/XX/XXXX ( 1 mo ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (NY)

Td bank accepted an fraudulent check against my account for XXXX three weeks ago. I contacted them immediately and went down to bank to fill out all paperwork and police report ( XXXX XXXX ) the check against my account was so fake even the branch said it was crazy, and it didnt event have a full endorsement. After repeated calls to bank, Im getting nowhere. They say its under investigation from other bank, and no one can tell me when im getting my money back, they make it almost feel like its my fault leaving my money in their bank. It was a mobile deposit against theyre bank, and no one can tell me where the check was even cashed. I called fraud line 10 minutes after it appeared on my online banking account, now I had to get a new bank account, im late on bills, and my wife had to take a half day off of work to file claim
Consumer complaint received 2017-09-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (GA)

I was making payments and then my account was sold to another company and I was not forwarded any information on where to send the other payments to. This has now resulted in them trying to garnish my wages. I barely make any money now and have XXXX kids that I am responsible for. I feel like this is unfair because I literally have tried to contact someone to try and set up payment arrangements but every time they just say, we do n't own the account anymore and give me a new number and contact, just for them to say the same thing. It is really unfortunate and the fact that I took out student loans to help for college feels like the worst mistake I ever made. I feel like a prisoner. I am scared. My private student loans are with national collegiate student trust.
Consumer complaint received 2017-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IL)

In XXXX, I was contacted by telephone the caller saying he was collecting a student loan of {$750.00} that I owed from XXXX. He was brutal in his language and demeanor. He said the loan had accumulated over {$5000.00} in interest. I had never been contacted before regarding student loan debt and believed that all of my loans were satisfied. This groups passed my account back and forth between collection agencies XXXX name only XXXX located in Texas. I was quite ill at the time. I asked for proof of the debt and they refused and threatened to garnish my social security - my only source of income. My doctor provided information to them about my XXXX and their doctor confirmed it ; however, they insisted that I sign an agreement to pay. I signed with a statement that it was under duress. They refused to accept it that way and so I signed and sent a letter saying it was under duress. That letter is missing from my file. Since then they have garnessed my social security several times. Finally I was just granted a deferrment from the DOE but this collection agency still reports the loan has XXXX missed payments. I never agreed to payments and have notified them several times that this information is false.
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

On  XXXX   XXXX     2016 I  called century link to set up internet service at my home. The only thing I was getting was the {$15.00} a month internet for 6 months which was their special. The guy who I spoke with in customer service asked me a few questions and never asked me if he could run an inquiry on my credit, nor did he give the option to pay a deposit. Neither was mentioned in the phone call. I was livid when I later got an email from   XXXX   XXXX   showing a hard inquiry on my credit that I never authorized. I called century link and spoke to someone who verified that the guy di not ask permission as they recorded the initial call. I asked what recourse I had and they said I would have to contact the  XXXX , La office and try to get them via mail to take this off. There was no person I can contact although they had verified the recording. My only recourse was to try to send a letter to a p.o. box. This is unacceptable as I never authorized the transaction upon confirmation of the unauthorized inquiry it should have been removed and sent up the chain to get the information updated on my credit. I also found out that I should have been given the option to pay {$150.00} deposit to avoid a credit inquiry. I was never given that choice. I called several times and never could get anyone on the phone who would help me other than to tell me that I was right the inquiry was not authorized.
Consumer complaint received 2016-04-23
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: National Financial LLC (DE)

I TOOK THIS LOAN OUT AND I PUT MY MISPLACED DEBIT CARD ON AND CALLED AND PUT IT ON HOLD UNTIL I FOUND IT. THEY TOLD ME THAT ONCE I PLACE A CARD ON HOLD THE CARD WILL BE FROZEN AND SENT A NEW ONE. I EXPLAINED THAT TO THEM AND IT A XXXX CARD I REQUESTED A NEW CARD ASAP, THEY TOLD ME IT WILL COST XXXX DOLLARS. I EXPLAINED TO THE LOAN PLACE AND TELL THEM I AM WORKING ON IT THEY CALL ME EVERY DAY AT WORK EVEN THOUGH I ASKED THEM NOT TOO. THEY GOT ME IN TROUBLE ON NUMEROUS OCCASIONS.
Consumer complaint received 2017-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America 's Mortgage Servicing Department has put in place an automated phone system that does not work properly and as a result, not all of its borrowers can get access to help from a mortgage servicing representative. 

I have difficulties using automated voice response systems. Bank of America has made it impossible to speak to a representative without entering or giving identifying information to the AVR system first. This means that in order to speak to a representative, I have to have someone from my branch call in for me, which reduces my privacy and adds significant time. 

This requirement could be a problem for the elderly, XXXX or anyone who does not speak XXXX or XXXX ( there are no other language options ).
It makes it much too difficult for someone who needs help - a miscredited or lost payment, etc - to get the help that Bank of America is required to give.
In my case, we did get behind on our mortgage for one month but we BELIEVE we have caught it up. But there is an extra charge on our mortgage bill that we do n't understand and I have not been able to reach them to talk about it because I can not get through on the phone lines. 

I 'm not sure what Bank of America is legally required to do as a mortgage servicer but I do know that this is not a consumer-friendly way to deal with people who are dependent upon them for accurate, prompt and responsive service.
Consumer complaint received 2017-05-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIRST NATIONAL BANK OF OMAHA (GA)

In  XXXX   XXXX , I got behind on my credit card with First National Bank of Omaha due to having a baby and being on unpaid maternity leave. I could n't catch up and pay the minimum amount due so I ignored it for a while. About a year later, a debt consolidation company  XXXX   XXXX  ) contacted me on First National 's behalf in order to consolidate. I worked out a deal where I would pay back half of the debt over a course of a year which amounted to about {$2400.00} and the other half would be reported on a  XXXX  Cancellation of Debt which I filed on my taxes for the year  XXXX . Since then, I keep having call after call from a different company/firm trying to collect on this same debt. I tell them that I have fulfilled the debt through a debt consolidation company and they say thank you and we will take care of it. Then a month or two later, I get another call from another company with the same story. So I tell them again what I did and they leave me alone. I have seen where they are going so far as to call my brother in another state and my in laws trying to find me. This is utterly ridiculous and I need help! Any help you can provide would be fantastic.