davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MA)

My mortgage was sold to XXXX on XXXX/XXXX/2015. It started out they did not pay my town taxes and insurance. The escrow balance grew to XXXX. I was getting delinquent notices from the town hall. I would try and contact the company via customer service and they were rude and would not call me back. They stated that it was paid and nothing was wrong. I contacted the CFPB and the OCC opened a case. I received letters from XXXX stating it would be corrected and that my request to waive the escrow account would be granted. I also received a letter from OCC stating the issue should be fixed and if any problems to write again. 
There was an issue when I paid my mortgage on time and received a letter stating I was past due. XXXX had put my entire mortgage payment into the escrow account and said I was delinquent. This was finally fixed after my second letter to OCC. I have at least XXXX pages of documentation regarding this entire ordeal. 
I applied for a credit card two weeks ago and disputed the rate they gave me due to the fact that my XXXX credit scores were in the XXXX 's when I closed on my mortgage. I looked at my credit scores and they all have fallen significantly. All due to a late payment that was incurred due to XXXX 's error by putting my payment into escrow and not paying the mortgage with it. This company has been absolutely negligent when it comes to customer service and now my credit report has been damaged. 
I am unable to upload all the correspondence, I can copy and mail any paper work needed.
Consumer complaint received 2017-11-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

DOCKET : XXXX XXXX XXXX XXXX V. XXXX XXXX, XXXX XXXX I defaulted in this loan back in XX/XX/XXXX. I have made every attempt possible with GMAC, OCWEN, XXXX XXXX to get a modification that is duable. This bank does not have my original note, they told the judge that the NOTE was lost on or about XX/XX/XXXX. I defaulted when I loss my job on XX/XX/XXXX. I sent packages, they tried to foreclose me and released the liens pends. I filed for bankruptcy, debt was discharged. It has been over 7 years, going on my 8th year fighting with these institutions. During my bankruptcy, the bank abandoned the property, after discharged they assigned the loan to XXXX XXXX  who made my loan part of a securitization. My loan is a JUNK loan, they had given me an arm loan. I have asked them to reduce the principal amount as GMAC and XXXX XXXX settled with the Federal Government and they wo n't do it. They are offering me a 30 year balloon at 4 % with monthly payments of over {$2900.00} for a dilapidated home that wo n't appraise for {$320000.00}. The principal amount they are looking for is almost $ 650K. This is crazy, someone please help. These thieves are ruining our country. On XX/XX/XXXX my lawyers have a conference call with a foreclosure mediation at XXXX XXXX. The superior court clerk 's office is XXXX ( open from XXXX to XXXX XXXX ) email to participate is XXXX I have not been properly served notices ( mailed to me past any deadline ) or simply I have not been served ) I have asked for copy of my original NOTE, they ignored my request. 
I have asked for reduction of principal amount, they ignore my request I have asked for relief while I was unemployed, they accelerated my foreclosure I have met every single agreement requested by the lender 's attorney during mediation I am a single mother of Two college students, hardly making {$15.00} per hour and my husband is incarcerated. I need someone to take a look at this mess and try to fix it and help me. A 40 year balloon at 4 % is no RELIEF!!!!!!! please have someone one call me at XXXX. There should be a statue of limitations, there should be relief, whenever I asked for help I did not get any, to the point that I had to hire a lawyer. My attorney is XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX - Phone : ( XXXX ) XXXX Ask for XXXX ( XXXX ) or you may reach me at XXXX. PLEASE HELP ME SAVE MY HOME
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (LA)

There is incorrect information on my report when I dispute it, I was mailed a letter stating that is was verified, when there is no way the could 've verified it, I contacted the clerk of courts and they stated they do not verify anything over the phone or by mail the only way would be to come to the office with the social and it was actually have to be the person in question.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NJ)

I am writing to express my dissatisfaction and concern regarding an overcharge on the interest applied to my credit card account. I recently reviewed my credit card statement and discovered that the interest charges were significantly higher than anticipated, leading to an unfair financial burden. I believe there has been an error in my account 's calculation or application of interest. have carefully reviewed the terms and conditions of my credit card agreement, and there were no indications of an impending increase in the interest rate or any corresponding changes in the market conditions that would justify such a substantial increase in interest charges. 

I kindly request that you conduct a thorough investigation into this matter and explain the reasons for the overcharged interest. I expect transparency in understanding the factors that contributed to this discrepancy, including any potential errors in calculations, changes in interest rates, or other relevant circumstances that may have influenced the higher charges. Additionally, I would appreciate an adjustment to my account to rectify the overcharged amount promptly. I trust that you will take immediate action to address this issue and ensure fair treatment through your commitment to customer satisfaction. 

If necessary, I am prepared to provide any supporting documentation, such as previous statements or records of payments, to facilitate the resolution process. I expect clear communication and timely updates regarding the progress of this investigation, as well as a prompt resolution to this matter. Thank you for your immediate attention to this urgent matter. I trust that you will promptly rectify the situation and restore my confidence in your company 's commitment to fair and transparent practices.
Consumer complaint received 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The following companies are reporting fraudulent opened accounts that were opened without my consent or knowledge and I demand these accounts be removed or I will pursue legal action. Under the fair credit act section 609 I am protected. I have already filed a complaint with the better business bureau and XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX is reporting a fraudulent account that was opened on XX/XX/XXXX XXXX XXXX XXXX XXXX is reporting a fraudulent account that was opened on XX/XX/XXXX The best service company is reporting a fraudulent account that was opened on XXXX XXXX, XXXX and the original creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting a fraudulent account that was opened on XX/XX/XXXX 2022
Consumer complaint received 2017-11-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (MA)

On XX/XX/XXXX XXXX added {$5600.00} to my bill as a capitalized interest charge. On XX/XX/XXXX another {$500.00} was added for capitalized interest. I received no notification when these charges were added to my bill and only discovered them both in XX/XX/XXXX. I reviewed the reasons why capital interest may be charged and realized that none of them applied to me. I called to ask why I was charged a total of {$6100.00} and was told that it was because they did not receive my repayment plan recertification in time. I told them that I did recertify on time and even got correspondence from them telling me that they received my recertification form within the time frame allotted. I was then told that my initial request was incomplete because their link to the IRS was down ; this prevented them from reviewing my income verification. I am not at fault for a link being down. I should not be charged over {$6000.00} dollars for their technical difficulty. 
Every time I call I get misinformation. On XX/XX/XXXX I asked XXXX ( employee ID # XXXX ) to dispute the charge. I have not received any information from that request. 

On a separate issue, I qualify for PSLF as a XXXX XXXX employee and have been submitting requests for over a year to have my qualifying payments updated. I have never received feedback from any of the requests. Every time I call about this I am told that they will submit a new request and to wait 30 to 90 days to receive feedback. I am repeatedly told that delay must be because XXXX is still waiting for information from my previous lender, XXXX, to add my qualifying payments. I have been working as a civil service employee for 6 years. 

The misinformation is a HUGE issue. Please train call center staff to simply respond " I do n't know, let me find out for you/transfer you to someone who can give you that information '' rather than just making something up. 
For example, I was recently told, when asking for a breakdown of 1 of 2 consolidated loans I have with them, that the loan was not the consolidated loan that I thought it was, and that it had only recently been disbursed to the school I am currently attending. Fortunately, I have experienced a plethora of misinformation from XXXX representatives so I knew to ask to be transferred to a supervisor instead panicking and calling my school to find out where this large sum of money went.
Consumer complaint received 2017-11-26
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. (AZ)

I am a victim of identity theft and have 3 fraudulent and unauthorized credit card accounts that arent mine, and dont belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX, {$12000.00}, XX/XX/XXXX, XXXX XXXX XXXX XXXX, {$380.00}, XX/XX/XXXX,  XXXX XXXX XXXX, {$3.00}, XX/XX/XXXX, the following hard inquiries arent mine and dont belong to me : XXXX XXXX XXXX, XXXX, Equifax Consumer Affairs. My 2 U.S. Senators from Arizona, XXXX XXXX XXXX and XXXX XXXX, is investigating this matter as well on my behalf. XXXX XXXX XXXX and XXXX XXXX sent me a letter informing me they considering calling Congressional/Senate Confirmation hearings for XXXX XXXX, XXXX XXXX, XXXX, Equifax and XXXX XXXX Executives to appear before Congress to answer to my complaint and other constituents in their district who have similar issues/complaints as well.
Consumer complaint received 2017-11-26
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. (FL)

My credit report shows an old XXXX XXXX account # XXXX that was opened on XX/XX/XXXX with 30/60/90/120 late months after never having missed a single payment. I had a  flawless payment history. The reason for these late erroneous late payment marks are due to when I had moved my office in XX/XX/XXXX and despite updating my records with both the post office and the creditor, I never received the statements in the mail. It was n't until I noticed that I had not received anything that I contacted the creditor asking what was happening. They told me they would resend the statement and that the late fee would not apply because of the " confusion ''. However another month went by where I still had not received my statement and was forced to call in again. Furious, I called again and was told that there was no record of my previous calls! I asked if the statement could be faxed but was told that was not possible but that they would make sure to send it once again. I asked if it could be expedited since the holidays were approaching but was told that this was not possible. Sure enough the holidays came came and went, even a new year was celebrated and I had not received my my statement in the mail. I called a final time in XX/XX/XXXX and asked to speak with a supervisor. A man name " XXXX '' heard me out and apologized for the trouble, however when he confirmed the address, they still were sending to the the old address! Once again I provided the new address and finally received it in the mail early XX/XX/XXXX. I do not believe penalizing me for something outside my control is fair, especially having a flawless history.
Consumer complaint received 2017-11-26
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. (FL)

My credit report shows an old XXXX XXXX account # XXXX that was opened on XXXX XXXX, XXXX with 30/60/90/120 late months after never having missed a single payment. I had a flawless payment history. The reason for these late erroneous late payment marks are due to when I had moved my office in XXXX of XXXX and despite updating my records with both the post office and the creditor, I never received the statements in the mail. It was n't until I noticed that I had not received anything that I contacted the creditor asking what was happening. They told me they would resend the statement and that the late fee would not apply because of the " confusion ''. However another month went by where I still had not received my statement and was forced to call in again. Furious, I called again and was told that there was no record of my previous calls! I asked if the statement could be faxed but was told that was not possible but that they would make sure to send it once again. I asked if it could be expedited since the holidays were approaching but was told that this was not possible. Sure enough the holidays came came and went, even a new year was celebrated and I had not received my my statement in the mail. I called a final time in XXXX XXXX and asked to speak with a supervisor. A man name " XXXX '' heard me out and apologized for the trouble, however when he confirmed the address, they still were sending to the the old address! Once again I provided the new address and finally received it in the mail early XXXX. I do not believe penalizing me for something outside my control is fair, especially having a flawless history.
Consumer complaint received 2017-11-26
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. (MI)

There seems to be a problem with the Credit Reporting Agencies. I submitted a complaint because they we 're not reporting my balances and accounts as they should. Now they have added the accounts that I have paid my balances to zero, and my credit score has n't increased. I have gotten my balances way below 30 % and my credit score has stayed the exact way. I have paid off 4 credit cards to zero  balance, and my score has n't changed. I am beginning to feel that there is some sort of discrimination going on with the reporting agencies. I had 4 credit cards that are now zero balance why has n't my score changed. When I was over my 30 %, my score dropped almost 85 points. Now that I have those balances below 30 % my score is still showing no increase. I need this investigated, this is becoming very frustrating. I do n't trust this system what so ever, I have done my part, and this system is not doing it 's part. It is very disappointing, especially if I am working very hard to keep my debt balances low. I will be finding a lawyer, according to the Fair Credit Reporting Act. I will sue XXXX, XXXX, Experian, XXXX XXXX and whoever. This is causing so many problems on every level. I am going to be purchasing a home, and they are not fairly reporting and increasing my score as it should My score should be increased to almost 80 points. I 'm tired of what 's going on, and I will be seeking legal representation on this. Please help me, CFPB. If you see my attached document, my score was at XXXX with XXXX before they added all of my accounts that I paid down to zero, and when they added these accounts, my score has n't changed it is still the same. Also for XXXX it has n't gone up hardly any points after paying 4 credit cards to zero, and experian this is so frustrating.
Consumer complaint received 2017-11-26
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. (TX)

There are 4 accounts on my credit report they are not mind. 
Someone must have used my information. 
I am not even old enough to have these things on my report. Havent bought anything done any thing. I just graduated from high school. All 3 of the credit bureaus
Consumer complaint received 2017-11-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HYUNDAI CAPITAL AMERICA (CA)

XXXX is reporting an auto loan that was opened due to identity theft. The account is under my name and social. The account is from creditor XXXX XXXX XXXX ( XXXX ) with the balance of {$17000.00}. This account was opened after I experienced identity theft and I have provided a previous police report to dispute this matter.
Consumer complaint received 2017-11-26
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX, I sent Equifax Credit Bureau a handwritten letter to dispute two bankruptcies shown on my credit Case # XXXX and Case # XXXX. I sent this letter certified ( USPS Tracking # XXXX ) which it was received on XX/XX/XXXX. In this letter I requested Equifax to submit verifiable proof since these are unverified bankruptcies. Equifax sent me a response dated XX/XX/XXXX ( copy is attached ). Per their investigation, the information is reported correctly and currently reporting as discharge. On XX/XX/XXXX, I mailed Equifax another letter ( copy is attached ), stating they did not provide me with a copy of any viable evidence. Equifax has failed to provide me with the information I have requested. This is a violation of the Fair Credit Reporting Act. I have verified and received correspondence from both bankruptcy courts and XXXX, that they do not verify information with the credit bureaus.
Consumer complaint received 2016-07-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC (RI)

The NRA LLC ( National Recover Agency ), stating to represent utility provider XXXX repeatedly calls my home attempting to collect a debt that is not mine. I have made numerous attempts to convince them that the debt is not mine and that the last XXXX digits of the social security number they have provided are not mine and the address of the property involved is not owned by me or under my control. They have threatened to take legal action if I do not satisfy the debt, refuse to hear my explanations, have hung on me and continue to harass me after I have asked them to cease calling.
Consumer complaint received 2017-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (NY)

Dear Sir or Madam, While was looking at my bank account I realized I my XXXX student payment was taken twice from my bank account on XX/XX/XXXX I contact XXXX, INC who is responsible for the taking money twice from my account and the response from XXXX was only XXXX payment was recorded in my account on XX/XX/XXXX, and I was asked for proof of payment ( Please see the response from XXXX bellow ) I answered to XXXX request immediately and I attached my bank account, ( please find attached my bank account, page XXXX and XXXX shows my the subtraction of funds done twice on XX/XX/XXXX 

I received another answer by ACS telling me I will get a response in XXXX days, that was XXXX days ago. I email them twice already without a response. 
This company practices need to be investigated, I have the original emails when I consolitaded my federal students loans where interest rate was supposed to be XXXX and after XXXX years it will go to XXXX, this company changed the interest rate without notice or explenation to XXXX which I was told over the phone was my current rate. 

Thanks in advanced, XXXX emailsupport & lt ; XXXX ; XX/XX/XXXX to XXXX Thank you for your inquiry to XXXX 's XXXX Services Department XXXX 

After reviewing your account our record indicates that XXXX payment received on your account for XXXX. That payment was received on XX/XX/XXXX in the amount of {$770.00}. You may send us the front and back copy of the cashed check for the second payment in order for a research to be done, or you may send us a detailed copy of the bank statement to show that XXXX payments were made to XXXX in XX/XX/XXXX. 

Please note for future reference that we offer the XXXX ( ACH ) program which allows customers to authorize a banking institution to deduct loan payments automatically from a designated checking or savings account each month. A XXXX % interest rate deduction is offered for this program. You can visit our website at www.acs-education.com and apply online if you wish to enroll in this program. 

If you have any further questions, please feel free to contact us. 

Sincerely, XXXX Mail Support XXXX & XXXX & XXXX ; AttachmentsJan XXXX to XXXX, XXXX Thank you for your response, See attached my XXXX where you can see on XX/XX/XXXX the abstraction of {$1500.00}. Also, I have open an investigation with my bank to make sure I initiated the requested of ACS subtraction of the funds from my account for that month. 

Also, please we need the status of all my accounts with the interest rate charged and balances from the time you acquired the accounts. 

Thanks
Consumer complaint received 2017-11-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC (CA)

I tried to pay off this loan and they kept giving me excuses why I couldnt pay the loan off. They said I could be charged a fee from my bank because they would have to go through another way for me to pay it off. I kept getting alerts from my bank saying fraud alerts from a general store in XXXX is trying to get money from you. This happened XXXX/2017. This was a {$650.00} loan. The annual percentage rate of 558.4701 % which I did not know about which in total the finance charge would be {$1200.00} at the end I would pay in total {$1800.00} for {$650.00} loan. I tried to pay in full at the beginning but was unable to because they were giving me the run around.