davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (GA)

In XX/XX/2018 I applied for credit. This required that I unfreeze all three of credit bureaus. As the XXXX security data breach of XX/XX/2018 had affected my account. After hours of attempting to do this with all three. I was successful with Experian, unfreeze my report for a credit application. 
However, I was charged {$1.00} on XX/XX/18 and then {$21.00} around the XX/XX/XXXX and XX/XX/XXXX of every subsequent month for a service I did not intend to sign up for, did not want, had no use for, AND never used. 
Today I reached out to Experian. They canceled the service and refunded one month of fees, refusing anything more. They suggested I use my credit card company to dispute the other charges. I dont think its my credit card companys responsibility. They stole over {$300.00} from me. 
Consumers should not have to spend hours of their time to attempt to protect their personal information and credit. Especially when free credit monitoring was promised after XXXX is negligence. 
On a sidenote, I was never successful unfreezing my XX/XX/XXXX account. This is a scam. Yet another means of all 3 credit bureaus means of influencing your credit score, access to your report, and ability to borrow at reasonable rates. Its a shame.
Consumer complaint received 2020-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (CA)

I had a 2nd mortgage loan with CITI Mortgage ( acct : XXXX ). 
The account was PAID/CLOSED in XX/XX/XXXX and is so reflected in credit reports in XX/XX/XXXX, and XX/XX/XXXX. 
The lien was never released with the County. 
On XX/XX/XXXX, I requested for a release with the Citi Mortgage Lien release department, e-mail : XXXX ( this is the only way to contact them ) On XX/XX/XXXX I was requested by the Lien Release dept. to contact Citi Centralized Recovery Department at XXXX. This Department reassured me that the loan was PAID OFF AND CLOSED in XX/XX/XXXX. 
The account number for the account is : XXXX. 
Property address : XXXX XXXX XXXX, XXXX XXXX TX XXXX CITI Mortgage Centralized Recovery Dept. XXXX address : City Mortgage Inc.,  XXXX XXXX XXXX, XXXX, Missouri, XXXX fax no : XXXX
Consumer complaint received 2020-03-13
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)

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX  XXXX   XXXX, XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX  XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX   XXXX, XXXX XXXX
Consumer complaint received 2020-03-13
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. (CA)

I tried to refinance my car today XX/XX/20 and I was denied because of accounts/inquiries reflecting badly on my credit report. I did not open an account with any of the companies I listed on this report nor did I allow anyone to open an account with those companies using my personal information. I do not have any type of relationship with these companies nor did I ever allow them to run or access my credit information. I did not benefit anything from these accounts being open in my name and I have already filed a police report. I have filed this report to the best of my knowledge regarding these unauthorized items on my my report and I am willing to work with law enforcement to get this issue cleared up.
Consumer complaint received 2020-03-13
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$9900.00}, {$9300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9900.00} -This is not my account. 

3. XXXX XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account.
Consumer complaint received 2020-03-13
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

PHH Mortgage owns the reverse mortgage on my home loan # XXXX. 

1. PHH Mortgage unfairly receives excess interest on the loan by only accepting payments via mail. Thus by not accepting online payments, interest is charged for up to two weeks or more after a payment is mailed, unfairly limiting my ability to reduce the amount of the mortgage and unfairly benefiting from the excess interest income. 

2. PHH Mortgage does not permit direct access to Customers Service Representatives who can answer specific questions related to accounting and or specific payments such as the status of a bank wire transfer. When I asked to speak to someone in the accounting office, I was told that I had to submit my questions in writing to the accounting department and they would get back to me. 

This practice unfairly discriminates against borrowers who do not possess adequate education and financial awareness to write clear and concise questions. Further, the practice discourages borrowers from being able to obtain timely information about their loan in the event of an emergency. Further, this oversight increases the length of time that mistakes and/or oversights in accounting are allowed to impact the borrowers loan.
Consumer complaint received 2020-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

Nationstar dba/Mr. Cooper acquired our mortgage in XXXX from the originator. We have made timely payments in full and yet Cooper claims we are in arrears. We have spent hours on the phone with Cooper giving them proof of payment. Just today we got a letter saying we are in default. This is utterly unacceptable. We insist that Cooper find all of the payments we have made, credit them fully, refund all late fees, and cease any default actions. 

We closed on a house XX/XX/XXXX, using a local mortgage originator in XXXX XXXX, NC. The closing included payment for XXXX, XXXX. Using the voucher provided by the originator, we made the XXXX payment of by check. We have the cancelled check, and the originator has confirmed that the XXXX payment was transferred to Cooper with the rest of the loan documentation. 

We have since made two other payments by direct transfer from our bank. We have confirmations that those payments went through. They should be for XXXX and XXXX -- or at least XXXX and XXXX. In any case we are current. 

Cooper keeps making robo-calls and mailing notices that we are " in default '' and " delinquent. '' It is outrageous that this company treats diligent and responsible clients so badly. It is not our responsibility to find Cooper 's money when it buys a loan. Their sloppiness is their problem. 

Please order Cooper to cease and desist all default and delinquency proceedings, to find and credit all of our payments, to credit back all late fees and charges, and to confirm in writing we are -- and always have been -- current with payments.
Consumer complaint received 2020-03-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (SC)

XXXX  XXXX XXXX ( XXXX XXXX XXXX ) sold my loan to Specialized Loan Servicing ( SLS ) without my knowledge in XX/XX/2019. I was not informed by either company that this had occurred. The only reason I found out it happened was by going to a XXXX  XXXX XXXX branch office. Although XXXX  XXXX XXXX has my current mailing address, both of these companies claim they mailed this notification to the address where the loan was taken out, which I haven't lived at for 13 years. Not only that, SLS filed a complaint against my credit report saying I was delinquent in XXXX when, as I said before, I didn't even know they had my loan so how could I make a payment? They placed an insurance policy on my house without my knowledge. I have informed them that I have insurance ( sent copy and had my insurance company FAX them the policy ( XX/XX/XXXX ) ) and pay my own property taxes and yet they still have an escrow account for me they want me to pay into. I paid them {$1300.00} on XX/XX/XXXX to bring my account current. My payments were {$460.00} per month with XXXX XXXX XXXX ( fixed rate ) and yet my payment for XXXX was {$740.00} on XX/XX/XXXX. A representative of this company informed my payments were to go up to {$810.00} in XXXX. According to a lawyer my payments should remain the same. I have no access to my account online and have been given the run around as to why this is so. They send no paper documentation to show what is happening with my account. I believe Specialized Loan Servicing is run by criminals who use fraud to steal people 's homes.
Consumer complaint received 2020-03-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (FL)

I took and auto loan out in XX/XX/XXXX with Santander Consumer USA. My first payment was due XX/XX/XXXX. I made the payment XX/XX/XXXX of the XXXX payment XXXX was applied to principle and XXXX was applied to the interest. On XX/XX/XXXX I made my XX/XX/XXXX payment and XXXX was applied to principle and XXXX applied to interest. On XX/XX/XXXX I made my XXXX payment and XXXX was applied to the principle and XXXX was applied to interest. On XX/XX/XXXX I made my XXXX payment and XXXX was applied to principle and XXXX was applied to interest. On XX/XX/XXXX I made my XXXX payment and XXXX was applied to principle and XXXX was applied to interest. on XX/XX/XXXX I made my XXXX payment and XXXX was applied to principle and XXXX was applied to interest. So when I saw that I called Santander USA and requested that since I have paid my loan so far in advance I asked that the entire payment be applied to the principle, which they said that they would do. Today XX/XX/XXXX I called in once again to see why my payment was not properly credited as promised and I was told that they would not do that. So my first issue is that they are refusing to properly credit a payment paid far in advance of the agreed upon payment schedule. Then they are charging far too much interest on that payment than what should be applied if you accept their claim that every payment made has some type of interest applied to it. Since this payment covers my XX/XX/XXXX payment and it was paid on XX/XX/XXXX why are they able to charge me XXXX dollars less in interest than they did in my first payment due XX/XX/XXXX paid XX/XX/XXXX? the interest charged on that payment was XXXX and the interest charged for my XX/XX/XXXX payment was XXXX when the XX/XX/XXXX payment was made a full 4 months in advance?
Consumer complaint received 2020-03-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (OR)

I am a person who keeps two banking institutes. Chase and XXXX XXXX. I was a loyal customer of Chase for 5+ plus years. That changed XX/XX/2020. I recently moved my direct deposit from Chase to XXXX XXXX because of Chase 's poor customer service. I was no longer comfortable with the bank holding majority of my income. The incident that caused my to forever cut ties with the bank occurred XX/XX/2020. There was a pending purchase that was listed on my account for 3 days ( business and non-business ) that fell off on my user viewing end. Knowing the charge would post I transferred funds to cover my transactions in the meantime. Actively checking my bank account to cover the pending charge, I was checking at the start and end of business day. On Monday night XXXX at XXXX pm PST, I checked my bank account for the last time on my mobile app. Everytime looks normal with a positive balance. Tueasday morning XXXX, I was hit with 3 overdraft charges on a TUESDAY, after the weekend was over. Not only were charges I was hit with overdrafts for ALL debit related. They posted before ALL my deposits to cover the account. If this was Chase 's true practice I would have had a full business day to cover the transaction, be alerted appropriately, and I as the USER would have been able to see the " invisible pending charge '' on my end. I promptly called Chase to explain the pending charge that caused me to overdraft was no longer visible on my end, the response was " oh, that's strange ''. No in fact it it not strange it is a tactic used my Chase to justify charging overdrafts fees for profit. I spoke to a manager explaining my financial situation. I am a single mother to a special needs child who CAN NOT afford to pay fees to a cat and mouse, hidden agenda bank. I am diligent about my accounts and pay the items I owe promptly. The supervisor regarded my situation and suggested I bank elsewhere.
Consumer complaint received 2020-03-13
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: Experian Information Solutions Inc. (IA)

Last summer I was one month late on paying an {$80.00} balance on my XXXX  XXXX XXXX  XXXX XXXX XXXX credit card. I was in the process of moving, switching checking accounts, and forgot to change the autopay setup. Again, my payment was only one month late and I paid the late fee. That {$80.00} represents <1 % of all of the credit I have used with XXXX over the past 8+ years. 

Still, it appears XXXX reported this late payment to the credit agencies ( or at least Experian ). As you can see in the attached screenshot, this one late payment resulted in a >15 % decrease in my FICO credit score. At the current rate, my credit score will take at least two and a half years to recover. 

I have repaid thousands of dollars of debt ( including XXXX in student loan debt ). One late payment of {$80.00} should not result in this big of a hit. This one month late payment - and its impact on my credit score, turning it from very good to fair/good - would probably translate into a 1 % difference in a mortgage interest rate. That in turn would mean dozens of thousands of dollars in additional interest over the life of a mortgage. All for missing an {$80.00} payment by one month!!!! ( And actually, technically I just missed the minimum payment, which is what maybe {$25.00}? ) This is usury is the highest degree.
Consumer complaint received 2021-12-17
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: Experian Information Solutions Inc. (GA)

I, XXXX XXXX never gave ( XXXX, Experian, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached to this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
Consumer complaint received 2020-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OH)

XXXX is claiming that I owe them money after I removed my son from their facility for what I felt to be poor care. When I removed him, I was paid in full, now they are claiming that there is a balance. They are using a collection company, IC Systems, and reporting this on my XXXX   Credit report. 

They are also reporting this as a loan. This is not true, and I have paid no money towards a principal on any loan from this company ( a daycare center, not a bank ), nor IC Systems ( collection company )
Consumer complaint received 2018-09-08
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: CORELOGIC INC (CA)

XXXX unauthorized credit inquiries XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Consumer Relations Department Consumer Disputes XXXX  XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2020-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

On XX/XX/XXXX ENHANCED RECOVERY COMPANY, address XXXX XXXX XXXX XXXX XXXX, FL XXXX phone number ( XXXX ) XXXX placed a collection of of {$250.00} on my XXXX credit report. I have never received any correspondence prior to this being placed on my credit report and it is not my debt. I requested this be removed. 

ENHANCED RECOVERY COMPAN # XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$250.00} Date Updated : XX/XX/XXXX Original Amount : {$250.00} Original Creditor : XXXX XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection< Page 7 of 29 Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX The following accounts are reported with no adverse information. For your protection, your account numbers have been partially masked, and in some cases scrambled. Please note : Accounts are reported as " Current ; Paid or paying as agreed '' if paid within 30 days of the due date. Accounts reported as Current may still incur late fees or interest charges if not paid
Consumer complaint received 2020-03-13
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: Experian Information Solutions Inc. (FL)

Experian has violated my rights, by not removing incomplete and inaccurate information on my credit report. I have sent 2 certified letters and proven to them that with in there system of validating the company information was not validated correctly. I started a dispute on XX/XX/XXXX completion date was for XXXX I call on XX/XX/XXXX, they informed me that an investigation was complete and all was validated. On my experian website it states that an update was completed on XX/XX/XXXX under the reinvestigation tab a statement was placed that reads " reinvestigation results '' this item is a result from your dispute on XX/XX/XXXX Experian claim that there has been 2 updates to my report regarding XXXX XXXX  but XXXX dose not report to Experian. The last update was in XX/XX/XXXX what made this so upsetting is I call experian, I called 7 time to resolve this. Representative huge up on me 3 times, and the few times I was able to escalate it to a supervisor I waa told to hang on and a supervisor would assist me, twice I was told they would call me back it never happen. The time I was able to speak with someone I spoke with a dispute supervisor by the name of XXXX no last name given she laugh at me, refuse to assist me, refused to transfer me to another supervisor, and hand up on me. The abuse of power they have over me is frieghting. My concerns where ignored. The information posted is inaccurate and even if they said it was completed with in the 30 day the report says something else I an enclosing report number XXXX it clearly shows status update XX/XX/XXXX on a Dispute I stated on XXXX with a completion on XXXX with an update in XXXX the 30 days expired an they claim its correct