davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-11
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: First Commonwealth Mortgage Corp. (MD)

I took loan for mortgage from First Commonwealth mortgage and I got different closing process than the rest of mortgage borrowers and when I went for closing day they told me that this lender put all restrictions about the loan and repayment which is any borrowers have to repay the loan after certain grace period which is 45 days normally but for me the first payment have to be paid less than 3 weeks of closing day which will be more difficult to start paying back after all closing cost and down payment and its is really hard for us to restart payment within 3 weeks. closing lawyers they said this not normal way of closing the house but they can not change because lender set their own repayment and I got treated differently than the rest of mortgage buyers customer because of my Origin and race. 
Lender never told us what options we have for repayment and never ask or discuss with us about repayment plan everything we saw at closing day by lawyers paperwork to sign and he told us if we dont sign or closed the house that day we will lose all our down payment so they force us to sign paperwork and I got treated differently than other borrowers If you close early in the month, youll pay many more days of prepaid interest at closing but your first mortgage payment wont be due for about two months, as our scenario above illustrates. 

For example, I close on the XX/XX/XXXX, ill pay about three weeks of interest at closing, but ill have nearly two months to make my very first mortgage payment. 

In fact, because lenders typically provide a grace period to pay up until the XXXX of the month, i could actually have more than two full months before the first payment is due. 
But clearly lender did wrong by made us to restart payment after 3 weeks of closing This bad practice and we got discriminated because our origin and race.
Consumer complaint received 2024-10-30
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (OK)

Hello, Ive sent two debt verification letters. One within 30 days of notice of collections and the 2nd at 30days of no response to first letter. In both letters it stated that I requested written communication only. They have called incessantly daily.Thank you for your time and effort. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-05
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. (NY)

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations. 
Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2019-06-11
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: Experian Information Solutions Inc. (MD)

I reviewed my credit score and my score dropped from XXXX to XXXX ( in has since rebounded to XXXX now ) within the passed several months with no justification. I requested information regarding why and received a response that this was an automatic adjustment by the system. There have been no significant changes to my accounts and this is very drastic change. I would like a more logical explanation of the adjustment versus a generic response from the credit rating services.
Consumer complaint received 2023-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

I paid my XX/XX/XXXX mortgage payment in two different payments on XX/XX/XXXX and XX/XX/XXXX. I had to do that because Rushmore Loan Management changed my balance due AFTER I had already made my usual monthly payment ( which was 2 weeks before the due date ). 

Because I did not send the full amount due, they assigned my payment to principle. When my second payment went thru, they did the same thing. So, it looked like I did not make my XX/XX/XXXX payment. When, in fact, I had paid the full amount by XX/XX/2023. 

On XX/XX/XXXX, I received a default notice from Rushmore Loan Management in the US Mail saying I had not made my XX/XX/XXXX payment, which was false. They threated to begin default processing on XX/XX/XXXX " if I didn't pay '' -- which I already did. 

I have since shown my bank records and proven to Rushmore Loan Management of their mistake. They said they " mis-assigned my payment. '' Clearly their mistake. They admitted it. I can share with CFPB the reference number that connects to my recorded conversation with the Rushmore Loan representative, if needed. 

I wanted to advise you that I believe their loan collection tactics are aggressive, unnecessary and boarder on fraudulent. I have been their customer for more than a decade. I pay every month. They can see that. They made no attempt to reach me or to ask if there was something they had missed. They immediately jumped to default notices. 

It's a disgusting business practice that they are doing.
Consumer complaint received 2019-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2019 someone stole my wallet and used my cards in my wallet while I was working in XXXX XXXX, XXXX. ( 1 chase debit card, 2 chase credit card ) to make purchases. I called my bank and froze everything, but my bank rebilled me for XXXX $ from XXXX XXXX XXXX in XXXX, NY. I called them to explain that someone stole my wallet on XX/XX/XXXX and that was not me doin the transaction. I sent in 20 pages of documents proving I was at working in XXXX XXXX while the transaction was being made in XXXX. The documents included my police report, 4 Surveillance camera photos of me working at the time of the transaction, A letter from my manager stating I was at work, My phone log of call chase on XX/XX/XXXX. However, Chase continues to decline my dispute after all the overwhelming evidence I sent to show them I was not in XXXX. Their reason was because I did not report it stolen, but at that time I was unaware that my wallet was missing. I found out after the credit card call told me to check my pant. I called multiple time to tell them it was stolen. Their argument is that it was a chip on chip transaction and the store is in my geographic location so it was obviously me. However, I sent in documents to prove I was not in XXXX at the time of the transaction, but my bank continues to ignore the facts. They continue to deny my case and adjusting my balance accordingly. I have proven I was not in XXXX to make the transaction and that my wallet was stolen from me. It has been such a headache dealing with chases recovery department and their method of investigation. It is so absurd how they do investigation while I have proven that it was not me.
Consumer complaint received 2019-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical  verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX   XXXX ; XXXX XXXX  XXXX XXXX ; XXXXXXXX XXXX   XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX XXXX ;
Consumer complaint received 2019-06-11
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. (GA)

There are several items reporting incorrectly on my credit report due to fraud or error:Incorrect personal information reporting on my credit file:Telephone numbers: XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXCorrect Contact Number: XXXXIncorrect Account Status:There are 8 accounts reporting that I was late and I was never late.Dept of Education/XXXX  - I was never late.
Consumer complaint received 2019-06-10
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. (WA)

I sent in my disputes to all three credit bureaus on XX/XX/XXXX. They did not send anything in the mail to me about my disputes. I sent out some more for the same disputes on XX/XX/XXXX letting them know it has been longer than 30 days and they have to delete my disputes thats on my credit report. 

**This complaint is for my first set of disputes that they have yet to respond to. Please let the credit bureaus know this. I have sent out a second round of dispute but that does not allow them to extend the investigation. That is a violation of the FCRA
Consumer complaint received 2019-06-11
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. (NY)

Shows on my credit report as an account that was allegedly mine. 
Reported as a charged off account with a balance of {$700.00} and a credit usage of {$660.00}. 
If tried to dispute the account because I have never owned this account or any first premier products or services. I keep being reported negatively. I don't know what else to do as a consumer since this is the only thing that i negatively reflecting on my credit, i tried disputing it i don't have an account number, don't own a first premiere card. Basically the company wants me to assume responsibility for an account/bill i have not seen in the mail or encountered.
Consumer complaint received 2019-06-11
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: Nelnet, Inc. (GA)

I was shocked when I reviewed my credit report and found 180 days late payment. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-06-11
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. (NV)

I am in disagreement with the items listed on my credit report as having late payments ... The credit bureaus refused to reverse the late payments..Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim..It has greatly affected my credit score..I would like these items be fix on my credit report immediately. 
XXXX XXXX XXXX XXXX****
Consumer complaint received 2019-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (MO)

I signed up for a credit card with Discover. As soon as I received the card I set up the online account and automatic payments of the minimum amount each month ( since there would be no charges, just using it to pay off one balance transfer ). 

On XX/XX/2019, I received an email saying the bank information I submitted for the automatic payments was accepted, and an email saying my first payment was scheduled. 

At this point I safely assumed the automatic payments were set up. 

On XX/XX/2019 I received an email saying that I had missed 3 payments. I checked my credit report and my credit score had gone down 200 points. Discover had decided to not accept my continuing automatic payments, however they did not send me any notice, by mail, email, or otherwise. 

I immediately signed into the online account and made the payment that was due. I then called Discover and informed them of what happened. Discover told me that there was nothing they could do, and that they do not edit their reporting of missed payments for any reason, even their own mistake. 

However, I did not miss any payments. Discover stopped my automatic payments without my consent or even knowledge. This may have been when my bank changed from XXXX XXXX XXXX XXXX XXXX, but Discover will not give me a reason why they stopped the payments. 

Discover Bank has destroyed my credit due to their own actions and refuses to correct it. Every second my credit is reported incorrectly I suffer irreparable harm. Please help me correct this without having to take this to the circuit court!
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Lender Inc (TX)

I applied for the loan on XX/XX/2019 and It was secured loan and I made 4 months of worth of payments and I paid it off on XX/XX/2019 and the company send me a check in the amount of XXXX and some change I called them and I ask them when they are gon na report to the credit bureau and they said in the first week of XX/XX/XXXX and so far it still shows in all three credit bureau I still owe this amount of XXXX and I paid it off early .. and disputed with the credit bureaus and it was denied within 2-3 days and im asking self lender to report my account as closed
Consumer complaint received 2016-09-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION (MD)

I recently received a letter from M & T Bank informing me that I was required to contact them and update my information. This letter also stated that if I did not take this action, my accounts could be closed. I contacted M & T and asked why I received this letter and I was informed that it was required by Section 326 of the Patriot Act. I have since made repeated requests to M & T asking for an explanation as to why I received this letter as I am not a new customer, nor have I opened any new accounts. On at least seven occasions M & T has refused to provide me with an explanation or any detailed information as to this requirement. M & T employees have threated to close any and all accounts that I am associated with if I do not comply, but has ignored every question I have asked. I have also repeatedly requested contact information from them so that I may speak to someone to resolve this issue and they have refused to provide me this information as well.
Consumer complaint received 2019-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/19 I went to the TransUnion website and got my FREE credit report. They asked for my credit card, but there was no information regarding what, when, and how my card will be charged. I simply assumed this was for security reasons. I checked my credit card today ( XX/XX/19 ) and saw a {$25.00} charge from TransUnion. I logged into my TransUnion account and noticed the billing was for a " membership fee '', which was unbeknownst to me. I called the company and explained there was absolutely no language on their website that told me I was going to be charged or for how much. They would offer me no explanation and no refund. I then went to look at reviews for this website and everyone had the same experience - secretive, shady, and no explanation that they were going to be charged. This company / website really needs to be investigated. I will never use them again.
Consumer complaint received 2019-06-11
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

XXXX gave Rushmore Loan Management my loan to service. Even though they are a little bit better than XXXX, I dont care for this company. For about two years, they have been reporting a deferred interest payment as a balloon payment on my credit file. The deferred interest payment is {$6100.00}. They are a mortgage company, so they are aware that both are two different things. I do admit to falling behind due to medical illness since late 2017. But, I always bring my account up to date. My account has been up to date since late XXXX. But, on my XXXX file right now, they have my actual payment amount of {$1600.00} ; when my payment is {$760.00}. This is a false actual payment and should not be there. I requested a billing statement mailed to my home. They said that they sent it. But, I have not received one yet. I notified Rushmore that I won my property tax appeal. The escrow department said that I have to wait for a bill for them to modify my mortgage payment. 
I am so sick of them trying to make me and people like me pay more interest. I consider the fact that they are reporting false adverse information as discrimination. They want to keep me paying this ridiculous interest rate. But, I will be out of their clutches before the end of the summer!!!
Consumer complaint received 2016-12-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (WY)

I am dealing with Santander Consumer USA. I have recently found that over XXXX in payments are missing from my account and that resulted in a repossession and absurd amounts of money to retrieve my vehicle. I have my bank statements and copies of my checks that were sent on time and cashed weeks later. I also never received any contact when they determined I was late. Four months went by and they charged the account off marking my credit badly.
Consumer complaint received 2020-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (GA)

I have not been issued a credit for items returned via mail. I have contacted the online return department and have been met with very strange replies. I feel my returns could have been stolen be this area, as I can not get a straight answer even though I have given them the receipts with detailed notes several times. I am always given a pat answer.
Consumer complaint received 2019-06-11
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)

Recently I opened a dispute with all 3 credit bureaus in particular " XXXX XXXX XXXX XXXX '' I have submitted a complainant about this company, the first complaint the company responded that I was not in there system, Second complaint I provided bill through complaint open again through CFPB. The company has NOT responded through CFPB, I emailed company on XX/XX/2019. There response was as follow " Ms. XXXX, We have located an account and forwarded your second complaint to XXXX for investigation. We will respond to the complaint in the time allotted after hearing from XXXX on the matter. '' Now on XX/XX/2019 Experian has updated this account to stay on my account and has closed my dispute how is this possible?, NEITHER Experian OR XXXX have provided documents that I have ask for showing this indeed belongs to me, I humbly ask the help of CFPB. I'm afraid that the bureaus are not investigating properly, I have provided documents showing I'am in fact an identity theft victim as well. To XXXX in my previous complaint to make it clear this is what I'm requesting from your company " This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : ''