davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

We paid off our loan with Ditech in the beginning of XXXX and had a balance in our escrow account which the Mortgage company said would be refunded to us within 30 days. Their system shows that a check was issued on XX/XX/XXXX but we haven't received it. We called a number of times and were told that it takes 30 days to reissue a check but we still have not received our money back. it is now XX/XX/XXXX and we still have not received anything. I did an internet search and it appears that there are a number of other account holders having the exact same problem with Ditech
Consumer complaint received 2019-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX   My employer is XXXX XXXX XXXX ( XXXX  ) I found addresses that do not belong to me on my credit report please remove the following:XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX   , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX  I have included my ID ans SS info for proof of address.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (LA)

In XXXXXXXX XXXX XXXXXXXX, I refinanced my USDA loan with Mr. Cooper/Nationstar. I didn't realize at the time, but Mr. Cooper failed to add my PMI payments to the final closing disclosures my husband and I signed. As a result, the payments were never added to my monthly mortgage payments and thus never paid to the USDA. In XXXX XXXX XXXX Mr. Cooper must have been alerted by the USDA that they had not received their annual PMI payments so Mr. Cooper withdrew the entire amount of {$770.00} from my escrow account to pay the USDA. They then did an escrow analysis in XXXXXXXX XXXX XXXX  which showed that I, of course, had a significant deficit. They claimed to have sent a letter and if they truly did then I did not receive it as a result of Hurricane Ida which devastated my area the same month. I did not become aware of a problem until my XX/XX/XXXX mortgage payment overdrafted my bank account because Mr. Cooper changed my payment amount from {$1100.00} to {$1300.00} to cover the escrow and now they have started adding the PMI they hadn't been charging me for nearly 2 years. I called them immediately and they explained everything about the escrow shortage but did not understand why I hadn't been charged PMI until I had them check copies of the closing disclosures. Once they realized their employee, XXXX XXXX, made the mistake, they informed me she longer worked with the company and refused to work with me to correct this. They doubled down and said I was going to pay the money back to escrow and pay the PMI regardless of what my signed disclosures stated. At this point and after consulting with professionals, I was advised to refinance again but into a conventional loan. I started that process immediately and in XX/XX/XXXX I no longer had a mortgage with Mr. Cooper/Nationstar and I was out XXXX of dollars due to their incompetence.
Consumer complaint received 2019-02-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (OH)

I knew I fell behind on payments with American Education Services ( AES ) and was having a hard time paying my monthly bill. In Septemper I spoke with someone at AES and they made me aware that my account was going to be sent to default if I did not make a payment. I said I could not make the full amount due, but that I would make a payment. She said that if I made a payment of {$1000.00} my account should not go to default, but she couldn't make any guarantees. So on Friday XX/XX/2018 I made the payment of {$1000.00} to AES. On Monday the XXXX of XXXX I found out they sent my account to what I was told was default. I once again got into contact with AES and asked if they could get my account out of default because I made a good faith payment. AES said they would send my request to the lending department and I would hear back in 7 to 10 business days. After that time passed and I had not heard anything I once again got into contact with AES. AES said they were still waiting to hear back from the landing department and for me to wait a little longer. So I waited another week and still did not hear anything from them. When I logged in online I noticed my balance said I owed something around {$3200.00}. When previously it said I owed {$0.00} from where they sent it to default. I contacted AES again and asked them if it was out of default and they just said I owed the {$3200.00} dollars. I asked them why my account hadn't been credited the {$1000.00} payment I made in XXXX, and they said it was sent to the collection company. I asked them if they would get it back so my account could be credited and AES said they would have to figure out how to get it back and they would contact me withing 7 to 10 business days. On XX/XX/2018 I received a check from XXXX XXXX ( collection agency ) for the amount of {$1000.00} dollars. I was curious why they didn't send that amount to AES. When I got back on the AES website my account once again said I owed {$0.00}. When I called AES and asked them about it, they said my account had defaulted. I once again asked for a review to be sent to the lending department because I had made the good faith payment in XXXX, and was waiting to hear back from AES. I started getting phone calls from a collection agency in late XXXX XXXX XXXX XXXX stating I owed the balance due on my loan ( {$51000.00} ). When I once again called AES they said my loan defaulted and that they no longer have the loan and that I would have to contact XXXX XXXX XXXX.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

This will be my 5th time addressing the same issue with a reinvestigation of inaccurate fraudulent items on my credit report. I have submitted several documents showing the fraudulent items removed from XXXX as of XX/XX/XXXX. However Equifax and XXXX claim to have verified as accurate the very same information XXXX could not verify and has since removed from my credit report. Please explain how this possible if the reinvestigation is for the same information furnishers. Im attaching a copy of my police identity theft report from XX/XX/XXXX showing the inaccurate fraudulent information and copy of my Equifax from XX/XX/XXXX and XXXX from XX/XX/XXXX credit report still showing inaccurate information after reinvestigation. According to 15 USC 1692 611 ( 5 ) a After any reinvestigation If the consumer finds any item to be inaccurate it must be removed immediately. How long does a investigation and reinvestigation take? According to the law 45 days in total. I have been in a continuous loop for the pass 3 years. With these none compliance credit agencies. In the FCRA Congress said since credit agencies choose to hold the records and reports on the consumer they have a duty to make sure that the information is accurate. And if information is not accurate they must remedy the situation. However it seems this only applies in some cases and not mines. They only other thing I can assume is discrimination against me for exercising in good faith any right, afforded to me under the Consumer Protection law. What other conclusions could I draw when I am doing everything according to the law on my side and the credit reporting agencies using my personal private information for financial gain get to ignore the law and do as they please.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax, There are XXXX unauthorized hard credit inquires that you have stated are fraud and the inquiries have been removed. 

Please see these XXXX below that you say on fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX There are XXXX  that still show up on my credit report as of this complaint are : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Per your own documentation please remove these XXXX hard inquiries as soon as possible as its damaging my ability to obtain credit. 

Attached to this complaint are : my written complaint screen shots of my credit report a copy of the credit results where YOU have stated they are fraudulent and they are removed- even though they are not removed my drivers license my social security card my address
Consumer complaint received 2019-01-04
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: Experian Information Solutions Inc. (NY)

I have attached a copy of the Consumer Financial Protection Bureau order of 2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the 2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on Experian, XXXX  and XXXX XXXX respectfully. Since the 2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.
Consumer complaint received 2023-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENTAGON FEDERAL CREDIT UNION (ME)

XXXX and flood insurance is in escrow with PenFed. XX/XX/XXXX PenFed sent {$620.00} to XXXX for policy renewal payment. XXXX was not mailed to XXXX agency per the invoice. It was mailed to a XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX cancelled flood insurance. XX/XX/XXXX XXXX returned check # XXXX {$620.00} to PenFed. XX/XX/XXXX XXXX voided check and sent letter/voided check # XXXX to XXXX. When the check had not been cashed for 90 days, Pen Fed voided that check. Fast forward to XX/XX/XXXX - PenFed did not issue flood insurance payment from escrow. XX/XX/XXXX PenFed issued letter requesting proof of flood insurance. XX/XX/XXXX I sent email to XXXX inquiring about flood insurance. XX/XX/XXXX I received email from XXXX indicating policy cancelled for nonpayment. XX/XX/XXXX I called PenFed ( XXXX ) and they stated payment was issued and I have flood insurance. PenFed promised XXXX hour return call confirming. XX/XX/XXXX No return call. I called PenFed. PenFed insisted my escrow account was credited {$620.00}. My XX/XX/XXXX XXXX XXXX Account XXXX XXXX did not reflect credit ( in fact, statement indicated my account was {$980.00} short - I paid shortage in XX/XX/XXXX ). PenFed promised a return call XX/XX/XXXX by XXXX PM. XX/XX/XXXX I called PenFed as I did not receive a return call. I completed flood insurance application and emailed application to PenFed and XXXX. PenFed promised resolution by XX/XX/XXXX. XX/XX/XXXX I called PenFed as no return call. XXXX indicated escrow being reviewed and XXXX XXXX, supervisor, would return my call. XX/XX/XXXX I called PenFed as XXXX XXXX did not return call. I was told escrow credit would be resolved by XX/XX/XXXX. I requested {$41.00} fee PenFed be waived as XXXX is reason why I had no flood insurance XX/XX/XXXX - XX/XX/XXXX. PenFed refused to waive fee. XX/XX/XXXX received voicemail from XXXX XXXX, PenFed research XXXX referring me to XXXX for {$620.00} credit as PenFed failed to resolve with XXXX. XX/XX/XXXX I called PenFed requested a copy of letter and voided check PenFed sent to XXXX as I was not cc 'd on correspondence made on my behalf. I was not aware I did not have flood insurance. PenFed said they could not send a copy of check or letter. I stated I could not address issues with XXXX as I didn't have a copy of letter or check. I do not know why check was voided to whom check was payable to. PenFed has not fulfilled escrow duties with due diligence or timely. PenFed did not follow up with XXXX and routinely fails to follow through with return calls or sending notification in writing. I had no flood insurance. Thankfully I did not have any claims. Bottom line- I am out {$620.00} and I can not establish credible communications with PenFed. Basically, they don't care about {$620.00} - it's not their money - it's mine. I have spent over XXXX hours on phone with PenFed. There is no resolution two months later.
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

In two separate incidences, citizens bank made errors that cost me thousands and almost made me lose everything in my life. Their statement was that they do not compensate customers for financial hardships even when they caused it. On XX/XX/XXXX, they received a debt verification request from myself. They did not respond within the five days required under law. They are also not allowed to put derogatory remarks on my credit report nor are they allowed to continue collection activities until the debt has been verified. They have not followed any of these requirements. They put enough derogatory marks on my report to take my score over XXXX points. They put enough derogatory marks on my report to take my score XXXX points. I have informed XXXX XXXX who works in the office of the chairman that the bank is in violation of federal law many many times. She is knowingly thumbing her nose at the life. I am filing this complaint to hold them accountable. I have requested that they remove the marks several times.
Consumer complaint received 2020-04-26
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: JPMORGAN CHASE & CO. (PA)

This is a complaint regarding unauthorized hard inquiry left on my credit by fraud by JPMCB CARD Inquiry date : XX/XX/XXXX JPMCB CARD Inquiry date : XX/XX/XXXX after i reviewed my report few days ago i found so many suspicious activities so right away i called three credit bureau left fraud alert on my report and i confirm this is unauthorized hard inquiry impact my credit
Consumer complaint received 2021-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

Re : Acct. XXXX To Whom This May Concern : As i have not heard back from " XXXX  '' in over 30 days since my formal written notice of dispute dated XXXX, and since they have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, i may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-01-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (NY)

after being lead to believe we had a verbal agreement with Santander Consumer USA Bank on the amount 0f XXXX in monies put on a account with XXXX XXXX  for future monthly payments on the phone ; Santander Consumer USA repossessed my XXXX XXXX XXXX Vehicle on XX/XX/XXXX then on XXXX i made a payment through my son XXXX XXXX account of XXXX dollars then afterwards my son put another payment of XXXX which that would clear up any monies owed to the debt and still as of today Santander Consumer USA had not even released a letter of redemption ..
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.

I WANT ALL THE BELOW ACCOUNTS TO HAVE ALL LATE PAYMENTS REMOVED ASAP. This is illegal and a violation of credit reporting act. I will be suing the credit reporting bureaus for falsely reporting and causing me to be homeless for over a year. 

All inquires not tied to an open account need to be removed asap. 

Late payments needed to be removed ASAP : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NJ)

this is in reference to my everyday card. i id not know so please dont say disclosures were sent that you would be travel fees. when i book a trip i dont want or need these. this is bogus. please reverse all and remove feature that allows the card to be billed when a trip is booked. what a joke. please dont tell me i was told what 20 years ago? never use d it for this so did not know please refund XXXX dollars of charges. asap i am not wasting my time calling i did not kow or authorize or need.