davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (OR)

XXXX - I placed a Security Freeze on my account. I received both online and emailed confirmation that my pin would be mailed within 3 business days. 

XXXX - I had not received my pin. I called and was told that the pin had been mailed that day. 

XXXX - I still had not received my pin. I called and was told that they were behind due to the XXXX breach, and that I would receive my pin in 5-7 business days. 

XXXX - I called and was told that the pin had been mailed on XXXX, and that I would have to send a written request, with all my personal info, before they would mail my pin. They also told me that I had n't called on XXXX! I asked that they offer another way for me to receive my pin, as I no longer trust their " It 's in the mail ''. They refused.
Consumer complaint received 2017-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (NY)

I am trying to refinance my house but when I pulled my credit report I noticed that my chase credit card is saying that i missed a credit card payment in XXXX. I never missed a payment since i opened the card in 2014. I told Chase that I did not receive the bill but they wont listen to me. I researched on XXXX and the fair credit reporting act says that all information on my credit report must be accurate. This is causing me so much stress and money. Please tell chase that they can not do this to people. 

it is showing a 30 day late payment in XXXX showing on all 3 bureaus
Consumer complaint received 2017-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

Multiple inaccuracies on my credit report. Old and outdated information or items that should have been removed. I dont recognize a few items on my report, and Im trying to repair my credit so its very frustrating
Consumer complaint received 2017-11-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA (NJ)

I am being charged XXXX from Kia. It was never brought to my attention disposition fee to turn it in and a sales tax of XXXX. They say it was in the lease but i would not have bought it if I knew. They say if I lease of buy another car from them it will be waived, I am now XXXX and can not buy another car. Plus m6 car was XXXX miles under the lease agreement but they wont give me anyth8ng for that. Not fair. I can not afford to pay this. I spoke with the finance end of it and they said n9 way 8 have to pay.
Consumer complaint received 2019-06-05
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: U.S. BANCORP (WA)

I submitted a complaint yesterday and have found out that they sent reports to all of the creditors, saying what I do not know. I have been dealing with XXXX for the last month and all of the conversations were recorded by XXXX of course with no results. These people are going to cost me over 25 thousand dollars in interest over 6 years because of having to pay for 28 percent interest. They are holding my life hostage and I want compensated for the stress and the interest on the loan. I have talked to a pro-bono case against XXXX for the pain and suffering.
Consumer complaint received 2019-06-05
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: Experian Information Solutions Inc. (CA)

I attempted to get a personal loan due to the fact that, XXXX XXXX sent some solicitations to obtain a personal loan. I received a few solicitations and I should pick the best one to use for my personal loan. Applying for the loan, a credit check would take place to check your status, A SOFT PULL that basically will not hurt your credit. All the companies stated the same message that is a soft pull and will not affect the credit. Doing that checking with a couple companies without giving any authorization for a HARD PULL. few companies ran my credit to compete for my business and it looks from my credit report, they have ran a hard pull inquires 13 times and this in turn dropped my credit by almost 80 points. Now I am trying to refinance and dropping my credit score to a point below the 600 score put me in a very awkward position. Now I never consented to a hard pull inquires and definitely not to 13 inquires. Please I need your help with this situation. This situation is ruining my chances to refinance and causing me a very distressful position. Thank you
Consumer complaint received 2019-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (MD)

Hunter Warfield, XXXX, AZ is falsifying a claim that we owe {$1300.00} to one of their client XXXX XXXX XXXX. We have requested multiple times to Hunter Warfield and XXXX XXXX XXXX to provide us with detailed history of the new and renewal commissions we have earned since inception of the contract. This will facilitate reconciling the new and renewal commissions we have earned. They have refused to provide any information so far despite our multiple requests. 

Unless we are provided with the detailed records with history of new and renewal commissions earned since inception of the contract we are unable to determine what is owed to us.
Consumer complaint received 2019-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (TX)

CHASE CARD OPENED IN MY NAME ... PLEAE HELP! .. IDONT HAVE DATES OR TRANSACTIONS.. I FOUND OUT WHEN I PULLED MY CREDIT REPORT ... THANKS
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NV)

I used XXXX 's XXXX form to see if I had any pre-qualified offers. The form clearly states " See if you're pre-approved with no impact to your credit score '' and the fine print states " There is no hard inquiry to your credit report to check if youre pre-approved. If youre pre-approved, and you move forward with submitting an application for the credit card, it will result in a hard inquiry which may impact your credit score. Receiving a pre-approval offer does not guarantee approval. Applicants applying without a social security number are not eligible to receive pre-approval offers. Card applicants can not be pre-approved for the XXXX XXXX XXXX. '' I only checked to see if I was pre-approved, and did NOT apply for any card itself, nor did I authorize to apply for a card, yet I received a HARD inquiry on my Experian credit report.
Consumer complaint received 2019-06-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX/XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2016-12-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (NY)

I C System has been reporting that I have an outstanding debt from XXXX XXXX, but I have never had a XXXX account in my name. This has been effecting my credit since XXXX. I looked them up online and have seen countless reports about false reporting and predatory practices.
Consumer complaint received 2019-06-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (FL)

PHH Mortgage, a subsidiary of XXXX, has discriminated against me as a XXXX person in the US since XX/XX/XXXX and denied on multiple occasions. I am in the process of initiating a HUD investigation. I was declared legally and permanently XXXX in XX/XX/XXXX yet I continued to work and pay my mortgage payments even while ill. Then, in XX/XX/XXXX I became unable to work and my identity was stolen by someone who threatened me and my family with bodily harm. They received an Identity Theft Affivadit. I initiated a XXXX investigation which they refused to respond to because they were under formal, written Cease and Desist yet violated that over 150 times with emails, statements, other communications via US Mail and Certified Mail. They attempted to serve me with foreclosure notices at my previous residence at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I abandoned the home in XX/XX/XXXX after learning it has XXXX XXXX XXXX that has made me terminally ill with less than 6 months to live unless I receive critical medical attention. I escalated the issues to the Office of the Ombudsman who denied they discriminated against me. I requested Demand Payoff Quotes with waiver of everything except the principle and interest on multiple ocassions. That home is my largest asset and my only daughter 's legacy and inheritance should I pass away. I am in the process of settling the homeowner 's insurance claims and retaining legal counsel for the issues with XXXX Mortgage and the secondary mortgage company, XXXX XXXX XXXX, who holds the HELOC. I will be on XXXX and XXXX later in the year. I currently have no personal assets, no bank accounts, and no credit cards because of the damage done to my credit from the person who stole my identity in XX/XX/XXXX. My XXXX XXXX XXXX father is currently supporting me, and I don't even have money for the bare essentials such as food and water much less XXXX XXXX. My father lives on a fixed income and also supports my older sister, who has learning XXXX, and my daughter, who was a student at XXXX XXXX XXXX and lost her best friend on XXXX 's Day. She is now a student at the University XXXX XXXX  studying to become XXXX  XXXX  and in the process of setting up a division of XXXX in memory of XXXX XXXX who our community lost to XXXX XXXX.
Consumer complaint received 2019-06-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I pulled my report from XXXX and it showed a closed/ charged off credit card account from Bank of America that isnt mine. Ive never had a credit card with this company. I called Bank of America and confirmed that I do not have nor have ever had any accounts with them. They asked for my name, date of birth and social security number and still could not find any information on said closed/ charged off account. I politely asked if there was any letter they can provide as proof that I didnt have a delinquent account with them and was told no because we cant give you a letter to verify an account that doesnt and never existed. Im stuck Im with an account on my credit report that isnt mine and Bank of America will not give me a letter so that I can dispute it. XXXX will not remove said account and I dont know what else to do
Consumer complaint received 2019-06-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PRESTIGE FINANCIAL SERVICES INC (MD)

On XX/XX/XXXX, I entered into a contract with Prestige. On XX/XX/XXXX the vehicle involved in an accident. On XX/XX/XXXX, XXXX XXXX XXXX assumed responsibility for the accident. XXXX totaled the vehicle out under claim XXXX. On XX/XX/XXXX, I provided XXXX XXXX with information for my GAP and also contact information to cancel the warranty that was purchased for the vehicle. On XX/XX/XXXX I received an email from XXXX XXXX advising that they has released a check for Prestige and that they should receive it within 7 days. On XX/XX/XXXX, Prestige received a check from XXXX in the amount of {$16000.00}. They also received a check on XX/XX/XXXX in the amount of {$3100.00} from my GAP insurance. After the application of the Insurance payment from XXXX and the payment from GAP, that left a balance of {$1300.00}. On XX/XX/XXXX, I began receiving emails from XXXX XXXX at Prestige. I again informed XXXX that a claim had been submitted to cancel the extended warranty and those funds would be coming from the auto dealer and that it would cover the balance. After going back and forth with the XXXX XXXX XXXX and Prestige, I contacted the extended warranty company myself on In late XX/XX/XXXX and submitted the claim that both claimed to have made. The claim was approved and payment was refunded to the XXXX on XX/XX/XXXX in the amount of {$1300.00}. XXXX XXXX XXXX did not send the payment to Prestige until XX/XX/XXXX. During this time, Prestige began charging me interest on monies that was confirmed to be refunded. Once the refund from the dealer was applied, the balance on this account was {$10.00}. I never received a bill for the balance of {$10.00}. Prestige submitted to the Credit Bureaus, stating that the account was charged off and had no history of on time payments which has hurt my credit. They have also reported that the balance is {$180.00} which includes the balance of {$10.00}, interest in the amount of {$150.00} and fees in the amount of {$18.00}. On my XXXX  credit report it shows that this account was closed on XX/XX/XXXX which is before I even had this account.
Consumer complaint received 2023-03-18
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. (GA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$910.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-06-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I had a lease taken out with Nissan Motor Acceptance XXXX to which all payments were made in a timely manner. At the end of the lease they sent a separate bill for the over mileage etc. Since this is a different agreement it should be reported separately not as part of the lease.
Consumer complaint received 2019-06-05
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. (FL)

AFTER REVIEWING MY CREDIT REPORT I HAVE NOTICED SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I HAVE NO IDEA HOW SOMEONE COULD GET INTO MY CREDIT AND DO SUCH DAMAGE BUT PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-06-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ROYAL UNITED MORTGAGE LLC (TX)

I started a loan process with Royal United Mortgage LLC and did not move forward with them, because they were charging way too much for the rate. 3.75 % for a rate of 5.25 % fixed. 

Does Royal United Mortgage has to reimburse me for the appraisal fee? They charged me {$470.00}. I have attached the closing statement. I did not move forward. 

After discussing with the loan officer on several occasion, that I would not be moving forward with Royal United, I was harassed. She basically told me, that I would not get any better deals inquiring anywhere else and that no other company would do anything better than theirs. She also said my credit was so bad and if I went with another lender, it would make my credit worse. Which I found out was not a true statement. I felt like she was scaring me into not, seeing my options. 

She kept calling and emailing over and over again, to the point she contacted my job to get a hold of me. It was very stressful, it really put a lot of stress on this life decision I had to make. 

It was a horrible experience. I understand they did the appraisal, which I did not use. I would like to be reimbursed.
Consumer complaint received 2017-11-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (IL)

Good Afternoon, My name is XXXX and I am upset with Ditech Financial because of the reason ( s ) I was denied for a loan modification. I am not going to go into detail about my illness but I will say that I do not make the same salary as I did when I was not sick. At my illness progressed, I stopped working and currently rely on XXXX and rental income. I sent all the proof along with my loan modification application. 
In the denial letter it is stated that the hardship is not temporary or resolved but where in the guidelines is it stated that a hardship has to be temporary in order to obtain a loan modification? Then they say that I have exceed the amount of modifications ; XXXX XXXX guidelines state more than 3 ; I have only had 2 and that is because I was not aware of how serious my physical health was going to be affected along with my income. 
I do not ant to lose my home! PLEASE HELP ME!!!
Consumer complaint received 2017-11-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (WA)

I made a purchase using care credit at or around XX/XX/XXXX. Synchrony Bank took over Care Credit and my account. The original agreement was that if I paid off the balance within 18 months, ( which is pretty unrealistic considering the amount of the purchase ) there would be no interest charges. My understanding was after 18 months you will be charged interest on NEW purchases. Well after that 18 months I was billed over {$3000.00} in interest which put my account OVER the credit limit. I continued to attempt to pay down my balance. My problem now is IF I was billed for the interest on my purchase already how am I still being charged interest if my account is closed and there are no further purchases made? Synchrony Bank has hidden fees and over charges on interest. My interest charge monthly is very close to my minimun payment which makes my balance go NOWHERE! I requested some type of settlement in order to help get it paid off, but they declined to assist. I have paid on my balance on time every month since XXXX. They would rather collect your money because they are a TERRIBLE business with unrealistic business practices. All they say is to read the credit card agreement which no where states that you will be double charged on interest. Never use this company!!
Consumer complaint received 2017-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I have received a letter from XXXX XXXX XXXX XXXX. This company keeps insisting, that I owe them money for unpaid taxes. They said that they paid our taxes and, they want the payment that they made on my behave. I have sent them proof of paid taxes. They insist that they have not received proof. I also sent CFPB proof of XX/XX/XXXXtaxes, which I saw copy before I wrote this complaint. From the beginning of this loan I have been harassed. The first time I received notice, they said I had not given them XX/XX/XXXXdelinquent taxes. I sent them the settlement statement, that at the close of my loan, it shows clearly where they deducted moneys for taxes XX/XX/XXXXdelinquent and XXXX before I ever received my loan. Which I also sent to CFPB. 
They have increased my monthly mortgage from XXXX plus to XXXX. They are saying that I breached our agreement, and I 'm now in default. I pay them monthly electronically, so I won.t default. The letter says I have n't paid XXXX or XX/XX/XXXX, my payments are not being applied to the account, because of these same taxes from the being of this loan. They say have not been paid. 
I 'm not responsible for those taxes, per the settlement statement. The title company XXXX XXXX took those payments, and made them to the tax department. I am sure, that the same thing is going to happen with the XX/XX/XXXXtaxes, being as this has happened, every year since this loan was established.
Consumer complaint received 2017-11-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I disputed an account on XXXX. The account was XXXX XXXX # XXXX. It has been charged off and reported with a balance of {$480.00} Recently I disputed and now the highest balance was {$480.00}. It looks like I paid {$1.00} which completely opened the account back up. XXXX XXXX says They did not report it at {$480.00}. The credit bureau is putting in there own amount, which is unlawful reporting. This s illegal according to the FCRA. I want this account deleted off of XXXX, and Equifax. They both are reporting this account wrong. Also XXXX XXXX says this account will drop off the credit bureaus on XX/XX/XXXX Equifax says not untilXX/XX/XXXX and Transunion told me XX/XX/XXXX I am not sure why they have different dates but there both wrong. XXXX XXXX said XX/XX/XXXX. I want this account deleted. Please check into this as the credit bureaus are unlawfully reporting.