davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (PA)

Well my mortgage was under XXXX lending services at the time my insurance was still active once they transferred my mortgage over to fay servicing they cancelled my insurance an was turn over to fay servicing I was never informed of the change of insurance an taxes.they just kept taking payment an increasing my mortgage payment I resently changed my insurance an now my monthly payment of my mortgage just increased ..
Consumer complaint received 2018-01-17
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (IN)

MOHELA reports I have several Student Loans open from XXXX XXXX University and XXXX XXXX XXXX College. I only took one student loan. through my family 's credit union, and it was paid off, and I have never attended XXXX XXXX XXXX College. I have contacted MOHELA to report fraudulent activity every year for the last 10 years, and have been promised a packet of paperwork would be sent to me in order to get the accounts removed from my name, however, MOHELA never sends me the paperwork
Consumer complaint received 2019-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

Divorced and paid off mortgage when sold property. Escrow refund was sent to two named payees with my name appearing first. Check was forwarded to second payee who mobile deposited into individual account and mortgage company accepted check when presented by bank although check was endorsed with only one signature ( not mine ). Bank representative stated policy is to require both signatures but mobile deposits are handled differently, that mortgage company should not have approved with only one signature.
Consumer complaint received 2019-08-12
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I received a Cashiers Check in the amount of XXXX. XXXX XXXX : Capital One Bank, XXXX XXXX XXXX, Dated XX/XX/2019. Pay to the Order of myself. I was under the understanding that Upon receiving the check a car wrap from XXXX was to be delivered XXXX to my residence then I was to confirm receipt in order for the XXXX   Co. Schedule the wrap with a contractor. I was instructed to keep XXXX and the remaining XXXX was to kept and payment made to the contractor. I was under the understanding that this was a legitimate check. Upon trying to comply with the directions the teller at my local Bank XXXX XXXX XXXX refused to cash it do to believing that it was fraudulent, then informed me to take it to the police. I refused to do so after three years of trying to get questions answered that remain unanswered from the FTC, SEC, CFTC, FDIC, DOJ, FBI and XXXX XXXX XXXX. If this is a fraudulent check then it would appear that someone is slipping.
Consumer complaint received 2015-09-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC. (MS)

I applied for a car loan with Exeter Financial on XXXX/XXXX/2014 which the application was approved for financing on or around XXXX 2014 which I was told my first payment would be due on XXXX XXXX, 2014 and that the payment due date would bbe the XXXX of each month thereafter. The company asked me to sign up for automatic draft and I agreed ; however, the company started to withdraw funds from our account prior to the due date and charged me both late fees and nsf fees along with numerous fees that I incurred from my financial institutions due to the pre-withdrawing of funds. I had a very difficult time trying to get the representatives to explain why my account would be in the behind and to help me make sense of where we went wrong. The customer service team was very hard to work with and would not explain to me anything and refused to gge me anything in writing concerning my account. I contacted the company in XXXX to ask them foran extension because my mother 's XXXX had returned and my family was devausted so the company advised that I had a two month extension which would modify my payment to reflect these payments due at the end of the loan. I never received the modification agreement neither did I receive the extension terms and agreement. I have requested this information on several occasions and they will not send me a copy but has show my account in the negative after explaining to me that the extension would not have any negative impact on my credit profile. I finally spoke with a representative that put a request in the system for me to receive a copy of my pay history and I notied that the company had several late fees and many early withdrawals that they attempted to make and charge my account for. I asked the company to launch an investigation on the account and they advised that the credit department would contact me within 72 hours and when I did n't hear from them I attempted to call and speak with the department todi discuss the matter at hand, which they refused to allow me to speak witht he department and told me that the findings were still the same and that they could n't help me. I akde them could I speak with management and they told me that each account representative manages the accounts and that this matter is closed.
Consumer complaint received 2015-05-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC (WA)

Issue 1 - XXXX QWR 's submitted with no response to ALL questions. The biggest factor is they are collecting Arrears and not applying any monies towards Principle and will not offer a complete accounting of arrears collected. Attached are all QWR 's and responses incomplete. 

Issue 2 - How can they collect mortgage on an inactive MIN/MERS number? MIN XXXX - Being inactive implies it was paid off. 

Issue 3 - Where is proof of service, and location of where the debt is recorded, Contents of notice, under TILA they are required to show a secured transaction between XXXX and Greentree. 

issue 4 - When a clear and complete accounting is offered it should include the rework of XXXX XXXX Post petition charges to have PMI removed an amount less {$180.00} per month. The bank still collected this money, and when the PMI refund was accounted for, this amount should have gone towards principle. 

Issue 5 - the XXXX QWR 's requested the current balance and a payoff amount. this has never been supplied. 

We could go on about proof of notice of claim transfer, proof of mailing of notice, etc.
Consumer complaint received 2016-02-29
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (OH)

I attempted to make a flight ticket purchase on XXXX website. This attempt was made on XXXX XXXX, 2016 around XXXX. The company requested an authorization, however given that they could not fullfil my request they advised that the card was never charged. I confirmed the same on a phone conversation with a representative from XXXX on XXXX XXXX, 2016. When looking at my US Bank account I see that on XXXX/XXXX/2016 a charge in the amount of XXXX XXXX was made and an immediate credit provided for the exact same amount of XXXX XXXX. However US Bank charged my account {$310.00} and credited {$310.00}. They also charged me a foreign transaction fee that they subsequently reversed on my request. When asked for explanation and refund of the missing {$2.00} I was told that I need to ask XXXX as to why they credited my account with a lower amount. Fact is that the account was charged and credited with the same amount of XXXX XXXX. Since the attempted purchase was made on a Friday afternoon, after the XXXX stocks were closed there was no reason why the XXXX transaction should vary in the amount of charge and credit. The fact that US Bank processed the charge and credit on XXXX XXXX, 2016 should also not affect in any way the amount of charges and credit and the account should zero out. There should be no amount owed on the account either way. Please request that US Bank properly process the transaction and credit back the complete amount. Thank you.
Consumer complaint received 2018-01-16
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. (MN)

I have contacted Equifax and have not gotten any response. 
My file has split into two files and there is two fraud account not mine and I sent the police report they requested in order to remove it and it still in my file. 
XXXX XXXX XXXX {$12000.00} Opened Date XX/XX/XXXX XXXX XXXX {$13000.00} Opened Date XX/XX/XXXX
Consumer complaint received 2019-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (FL)

The bank is aggressively trying to push " paperless statements '' to the point where I am getting one e-mail a week and numerous pop-up notices about this nonsense. I have told the bank at least 10 times by fax, e-mail and letter that I WILL NOT make the account paperless, I have adjusted my settings accordingly, but they ignoring my communications and persisting with this.
Consumer complaint received 2020-11-05
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: Experian Information Solutions Inc. (MD)

Hello, I have a problem with the EXPERIAN credit reporting agency. They are reporting false information on my credit report. I sent them a police report a police complaint number and a letter stating about my Identity Theft. They did not attach the documents to my file nor have they fixed the issues with uploading documents on their website. XXXX XXXX  and XXXX XXXX are fraudulent accounts on my credit report and EXPERIAN refuses to take them off.
Consumer complaint received 2019-08-12
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE BEEN ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2022-06-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX I submitted a credit card payment to XXXX  XXXX XXXX. 

4-5 days later, I payment wasn't processed so I sent an additional payment on XX/XX/XXXX. That payment was processed and debited out of my account. A few weeks later in XXXX, I found out both payments made in XXXX were refunded to my checking account due to a system processing issue within the company. 

I went to the bank branch and spent numerous hours trying to figure out why, and no employee of the bank could identify the system issue. The bank then continued to contact me saying that my payment was late, yet I have never missed a payment on this 14 year account, and it was my oldest account which I kept in good standing since College. 

I made anothey payment on XX/XX/XXXX and the representative said they'd be able to re-open the account since I have been a good customer for 14 years, and I have a business and personal account as well as a travel card with XXXX XXXX XXXX. 

The account was never re-opened and now it not only reflects as a late payment account, but it was unprofessionally closed with no explanation, clarity, or investigation, and now impacting my credit history an credit score. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2015-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (ND)

Experian stated via phone conversation they would not dispute nor would they explain/provide any info to assist in the matter of XXXX accounts. The account for " XXXX '' is unfamiliar to me and I know nothing of them or a debt owed and want proof of debt and dates, etc or I demand it be removed immediately. XXXX and XXXX have both removed it but Experian refuses to investigate. The XXXX account for " XXXX '' is reflecting incorrect information. The " DATE OPENED '', " BALANCE '', " PAYMENT STATUS '' etc. No balance is owed to them, there is no late payment and its much older than the re-aged lie that it reflects on Experian. Please hold EXPERIAN accountable to correct these issue immediately. Perhaps both accounts should be removed. Experian is my issue here! I would like to see the justice here in reporting true and accurate info as well as due diligence in an honest attempt to collect facts and protect the consumer rather than damaging my credit.
Consumer complaint received 2019-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE (IN)

XX/XX/2018 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} in the form of a company hand written check by its owner. The check was given to general contractor at my home where we discussed the remodel job. This first installment was to pay for kitchen cabinets and to start the remodeling job with the memo line reading for XXXX ( name of building and unit ) XX/XX/2018 XXXX XXXX XXXX, XXXX, processed my {$15000.00} check for cabinets, install and commencement of work at XXXX XXXX at a Huntington Bank branch most likely in XXXX, IN. 

Owner signed the check with his name only. 
The Huntington Bank guidelines for XXXX check endorsement policies : 1. Business Endorsement on a Check : If a check is made payable to a business, then an authorized person must endorse the check on behalf of the business. 
a. Sign the name of the business as it appears on the pay-to line. 
b. Sign your name c. Write you title with the company ( Owner, Accountant, etc. ) d. Add any restrictions like For Deposit Only.

2. Match Name on Check The name in the endorsement must match the aye ( Pay to the Order of ) name on the front of the check. 
The check was negotiated for the full cash amount of {$15000.00} written to an LLC with improper endorsement according to XXXX XXXX endorsement policies and disclosures. 

XXXX Company Name : XXXX XXXX XXXX XXXX Signatory and title : XXXX XXXX XXXX, President Huntington Bank also states on their website all checks written from XXXX requires a two day hold. Huntington Bank VII. Funds Availability Policy ( Page 16-17 ). 

According to the Huntington Bank availability of your funds, deposits made from XXXX Accounts the entire amount will be available on the second business day after the business day of deposit ( However, at least {$200.00} of your total deposit will be available for withdrawal on the next business day.
Consumer complaint received 2019-08-14
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (NY)

I had leased a vehicle thru GM Financial for 36 months, my account was on auto-pay and the lease was paid each month on time. On XX/XX/2019 i returned my lease to XXXX and wasn't told of any outstanding charges, Never received a bill or any correspondents i.e. Mail, Email, text, phone stating that i owe any monies. On XX/XX/2019 i received and alert from my credit monitoring of a delinquent account from GM Financial in the amount of {$600.00}. I immediately contacted GM Financial and was told two things one,  that the amount shown was and the correct amount was {$430.00}, a charge hidden in the lease agreement ( not transparent and upfront ) for returning the vehicle and not leasing another XXXX vehicle. Second, they admitted to having a wrong address on file where they supposedly sent me the bill, I was told that they would they updated my address and that they would resend me a new bill with the correct amount and also remove the negative hit on my credit report and send me confirmation of that as well. 

I've been waiting ever since for those notices and NEVER received anything, Called many times thereafter and was told that notices were sent out still nothing was received. 

On XX/XX/2019 i contacted the again and was told the notices were again sent out but the wrong address '' again '' OOPS! what incompetence. I then requested to just make a payment over the phone and was charged an additional {$10.00} processing fee in addition to the {$430.00}. Again i was told that i will be receiving email confirmation of my payment and ad letter stating that the delinquent account will be removed from my credit score. The Money was drafted from my checking account but no email confirmation 'of course '. 

On XX/XX/2019 i received another notification from my credit monitoring of a new negative account this time in the amount of {$430.00} this is after the money was already drafted from my account. This is causing my a lot of stress as well as financial loss as i can't obtain credit for my business, cant take advantage of the lower interest rate to refinance my home etc.
Consumer complaint received 2015-12-01
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: ETHOS LENDING LLC (UT)

We applied for a refinance loan and met all loan criteria, income, ratios, etc. We also paid for an independent appraisal that Ethos Lending chose for us. The appraisal came in at $ XXXX for our home. For whatever reason Ethos chose to get a " desk review '' of the appraisal. The reviewer did nothing more than look at comps, no visit, nothing but challenged the valuation by the appraiser. The reviewer 's work was shoddy and even Ethos said he was out of line. The first appraisal was in line with other sales in our HOA development and we provided proof of this. But in spite of this, Ethos wanted us to pay to obtain a second appraisal. In the meantime Ethos changed the Good Faith Estimate twice on us from their original amount due to their delays. They are completely out of line to deny us the loan and the truth is they have completely left us hanging and gave us NO written reply as to what was going on. They could have at least said we will approve you for a lessor loan amount. Nothing. No response.
Consumer complaint received 2015-10-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

In XXXX I mailed via certified mail a letter to the XXXX credit bureaus a letter listing a total of XXXX accounts that were fraudulent, the following accounts were sent : XXXX XXXX, XXXX XXXX Bank as well as XXXX XXXX. I submitted a complete Identity Theft Packet, which included a letter itemizing the accounts that were fraudulent, a copy of the credit report circling the fraud accounts, a police report, an ID Theft Affidavit and lastly a copy of my driver 's license and social security card. XXXX deleted the accounts, however Equifax has done nothing with the information I submitted to them. I called Equifax today, XXXX XXXX, and they have done nothing with the documents initially submitted. They also refused to comply with the FCRA in regards to them placing a block within 4 days of them receiving documentation of fraud. I have spoken with various representatives and supervisors there who refused to comply with the law. I spoke with XXXX XXXX representative XXXX, XXXX XXXX representative XXXX, XXXX XXXX floor Supervisor ), and lastly XXXX XXXX Supervisor of XXXX XXXX ) all of which are in the Fraud Department. Please help as they willfully violate the law!
Consumer complaint received 2018-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I 'm not claiming that I was n't late on this account. I 'm asking for a courtesy removal because I was under the impression that this was set up to be auto paid and clearly it must not have been. That being said, I 've made all of my other payments on time since opening the account and continue to do so.. This would be a one time courtesy removal I am requesting, and will not be request again.. I would be happy to show you a copy of my credit report if you would like to show my timeliness on all of my liabilities. I take my credit very seriously being in the XXXX XXXX industry.. It is extremely important being a lender to have a good credit history. I 'm a XXXX XXXX XXXX with XXXX XXXX XXXX XXXX and this could potentially affect my licensing. Thank you for you assistance in this matter. My cell phone if you want to reach out to me is XXXX XXXX XXXX XXXX.
Consumer complaint received 2015-06-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

I GOT PER LAW THE OTHER XXXX CREDIT REPORTS BUT NOTYOUR AS THE PROGRAM WILL NOT LET ME GO FURTHUR THAN FILLING OUT INFO THEN CLICKING. BY LAW I CAN GET ON FROM EACH OF THE XXXX CREIT REPORTING COMPANIES