davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-22
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. (MS)

I have a collection from XXXX XXXX XXXX in the amount of {$58.00} on my credit report. This information was previously reported by XXXX XXXX, and subsequently deleted after I disputed it and filed a complaint. 

Since the reinsertion, I have not received a notification of the information 's reinsertion, as required by the Fair Credit Reporting Act, 611 ( 5 ) ( B ) ( ii ) - ( iii ). The information has been on my report for longer than the 5 business days after reinsertion mentioned in 611 ( 5 ) ( B ) ( ii ), and I have not received any information from Experian and I was not provided any information listed in 611 ( 5 ) ( B ) ( iii ) ( I ) - ( III ).
Consumer complaint received 2020-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IA)

On XXXX XXXX, 2020 I called to check why a payment had not been made on my loan through an " autopay '' service provided by Nationstar DBA Mr. Cooper. Looking at the web portal it was unclear to me whether a payment would be made in XXXX. The web portal indicated that the next payment would be made in XXXX. 

I called into the company 's phone system. The rep on the phone informed me that no payment had been made, nor was one scheduled for XXXX. I promptly made the payment using the web portal and took the word of the rep that the next month payment would be applied correctly in XXXX. 

I received a txt on the morning of XX/XX/XXXX. from my bank saying my account was overdrawn. Looking at my online statement it appears that Nationstar DBA Mr. Cooper withdrew two payments. 

I called back in again to inquire with the customer service team. On the call the rep acknowledged the double payment and that I had called in on the previous day. The rep said they could not refund the payment until it cleared my bank in 1-2 days. She said that any overdraft fee could be refunded if I was charged one and offered to call me back in two business days.
Consumer complaint received 2019-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WV)

I have disputed a debt that was added to my credit report under a different name. It was under XXXX XXXX the first time, not its under XXXX XXXX. They did not send me a right to dispute letter, nor sent me validation of the debt. XXXX XXXX could not provide that information years ago. This was years ago that this was removed from my account. This is the second time XXXX  and Equifax has let invalid debt be put on my account. This is not a vaild debt. I asked for verification of this years ago. I had to file a complaint here to get them to take care of it the last time.
Consumer complaint received 2019-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (OH)

To Whom It May Concern, The reason for my dispute is CMRE I would like to see proof of claim in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CMRE failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in XXXX County. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course.CMRE is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CMRE is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. CMRE has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2020-01-02
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. ()

I WANT TO DISCUSS THE MATTER AS TO WHY THE NEGATIVE ACCOUNT FOR XXXX XXXX ( XXXX ) STILL REMAINS UNDER EQUIFAX AND XXXX, WHEN XXXX WAS ABLE TO GET IS REMOVED. THERE HAVE BEEN SEVERAL ATTEMPTS AT GETTING THIS ACCOUNTS COMPLETELY REMOVED FROM MY REPORTS SINCE I STARTED DISPUTING ON XX/XX/2017. ACCORDING TO THE FCRA IF AN ACCOUNT IS NOT VERIFIABLE ACCURATE, NOR COMPLETE THE ACCOUNT HAS BE REMOVED AS SOON AS POSSIBLE. THIS HAS BEEN ROLLING FOR WAY TOO LONG, AND I FEEL NOTHING HAS BEEN DONE BY EQUIFAX OR XXXX   PLEASE REMOVE THIS NEGATIVE ACCOUNT FROM MY REPORTS, IT'S GETTING IN THE WAY OF ME ACHIEVING MY GOALS.
Consumer complaint received 2020-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I submitted a mortgage payment on XX/XX/XXXX for my payment due on XX/XX/XXXX, on XX/XX/XXXX the bank initiated an additional withdrawal for the payment due on XX/XX/XXXX despite the mortgage payment already being made for that month. The checking account was charged a {$20.00} non-sufficient fund fee. I contacted the bank and they refused to reverse the fee, despite the mortgage being paid on time and them failing to realize that the payment had already been posted. I contacted the bank twice via telephone with the last call on XX/XX/XXXX lasting over 30 minutes and they would not reverse the fee.
Consumer complaint received 2019-12-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

When apply for the loan I knew they were high interest rates however when speaking to the employee by the name of XXXX he didnt explain to me of really high interest rates 100-179 % interest rates. From what was explained to me on the last two days from customer reps and supervisors Ill be owing {$18000.00} for a {$2600.00} loan. They always say we recommend to pay As soon as possible not everyone is made of money. Being new to ever receive a loan like this I was not very knowledgeable but as a company and its honesty to its customers. They are scammers they mislead and they are shark loan. They XXXX so many ppl over. Please please anyone beware.
Consumer complaint received 2020-09-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NY)

On XX/XX/XXXX I made a payment for my XXXX XXXX XXXX online with Santander USA. The next day I was reviewing pay off information on this vehicle ( certainly hoping to trade in as Santander has been an awful company to work with throughout the entire the loan ) and realized that some how an old loan is showing on my online banking and that I processed the payment to that account instead of the XXXX account. I immediately called to have it fixed. The first person I talked with was very nice, said it was no problem and that it would be fixed within 72 hours, but definitely by Friday XX/XX/XXXX. She also stated that it would be back dated to XX/XX/XXXX. I reviewed my online transactions on the XXXX. The payment had not been fixed. I called and spoke with anther representative, after some back and forth argument and telling them to please refer to the notes, they assured me that it would be fixed, not to worry. I went out of town for the week. After returning on XX/XX/XXXX I check online again. The payment still did not post to my transaction history. I called again. After some more push back and getting forwarded to a " supervisor '' they told me that they escalated the issue and guaranteed that it would be processed with in 24-48 hours. I checked today XX/XX/XXXX, 3 days later and the payment is still not posted to the account. I called and was told it was still pending and being researched. I have no idea why it would need to be researched as I have been told multiple times that it was going to be fixed, and backdated to XX/XX/XXXX. She told me that I should call back on Wednesday to check process. This is completely uncalled for and unnecessary. It should have been fixed weeks ago. Every time I call it is something different. I have no idea why this process it taking 3 weeks and now all of a sudden it has to be reviewed, as I have been guaranteed several times that it would be fixed, backdated and with no fees.
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Equifax is reporting 1. All open accounts as closed 2. Incorrect account status on accounts 3. Reporting old accounts that are over the report time limit.

I have filed complaints and called but have been told that Iam looking at the wrong report but I see my credit Steadily dropping even with accounts I have paid off.
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

THE DISCHARGED BANKRUPTCY ACCOUNT HAS NO AUTHORIZATION TO REPORT ON MY CREDIT. THIS ACCOUNT HAS BEEN DISCHARGED AND DISMISSED IN THE COURT OF LAW. I AM REQUESTING IMMEDIATE REMOVAL OF THIS ACCOUNT ON ALL THREE REPORTING BUREAUS.
Consumer complaint received 2020-09-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

EXPERIAN, XXXX, OR XXXX  is apparently reporting a fraud alert, security freeze or another form of " block '' on my credit file. This is causing me substantial problems in obtaining credit therefore please remove from my files.
Consumer complaint received 2020-01-02
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Penn Credit Corporation (TX)

Penn Credit called me repeatedly after asking them to stop due to an illegitimate debt. The Agent on the call today took an extremely aggressive tone from the start and got more rude when I asked for a moment to verify that their phone number was one from the company they claimed to represent ( Penn Credit ).

I asserted my rights not to be treated abusively and was escalated to a manager whom I informed that I would be filing this report, requested that they review the recording and requested again that they stop calling me.
Consumer complaint received 2021-11-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (DE)

TD Bank is illegally charging overdraft fees even though I have a binding overdraft protection contract with them for two specific accounts. TD bank decided to stop transferring funds from a linked account in order to prevent over draft fees but Instead took advantage of me to make profit with high overdraft fees. TD bank engages in predatory banking with their excessive and unethical unfair banking practices. I need my overdraft fees reversed because a binding contract to offset and prevent overdraft fees is in place. TD bank made me go to a local branch in XXXX, Delaware to sign a document that will link my savings account to checking account so that I would avoid getting charged overdraft fees. When I asked why they stopped transferring money from a linked account to checking account so I may not get charged excessive fees, I was told that we dont know mum. In addition, I was advised by TD bank not to manually transfer my money from savings account, to allow their system to cycle itself and cover debit transactions.
Consumer complaint received 2020-01-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

On XX/XX/2020, at approximately XXXX hours I returned a phone call to Quicken Loan. Previously I had sought information regarding a possible rate reduction and refinance. I have today as well in the past forbidden Quicken from pulling my credit score. I advised them NUMEROUS times I absolutely did not want me credit score pulled. I was inquiring to find out what ballpark rates would be for a refinancing of my property. I was speaking with a male mortgage advisor, XXXX. 

XXXX advised me that he would speak with his senior advisor and find a way he could do so without pulling my credit report. 

Shortly after we ended our call I received a credit report advisory that my credit had just been pulled. I was recontacted and I advised XXXX that I was really XXXX off. XXXX played as if he did not know why. He then told me that he thought it was okay if he pulled my credit. XXXX is deceitful and a liar. At no point of our conversation did I ever give Quicken or XXXX permission to pull my credit and lower my credit score. I feel this is a ploy/scheme used my quicken to lower peoples credit scores to keep them held hostage in the mortgage business. This is dirty business and it should be investigated immediately.
Consumer complaint received 2019-12-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (NJ)

I have consolidated my federal loans and they are handled by the FedLoan Servicing. I am in the Public Service Forgiveness Program where as long as I work for the government, I am required to make 120 qualifying payments towards my loan amount and the rest is forgiven. The key to the program is to have the qualifying payments which are counted by FedLoan Servicing retroactively once the payer shows that they are employed by a public service organization. Two years ago, in 2017 I had a case opened with FedLoan Servicing to look into whether the payments were calculated correctly for me. I had calculated more payments than what I was being told. FedLoans opened a case and said that they will look into the discrepancy. I would call every few months or so to follow up on the open case and each time I was told that it is being worked on. It has now been two years since the case was opened. Nothing has happened. In addition, FedLoan Servicing is not counting any payments I made since 2017 when the case was opened because they say that the case has to be resolved first, before any more payments are counted towards my program. FedLoan Servicing also told me that there is nothing else they can do to speed up the review of the opened case or even to close it because it is not handled by them directly. I would like for this issue to be resolved and for FedLoan Servicing to count my qualifying payments. I am afraid that this is a tactic and nothing will get resolved.
Consumer complaint received 2019-05-28
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. (IL)

Please reverse the late payments reported on the following accounts : XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2018-07-03
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. (GA)

CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$83.00} CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2300.00} CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2300.00} CREDITOR : XXXX XXXX XXXX XXXX # : XXXX AMOUNT : {$400.00} CREDITOR : XXXX XXXX XXXX # : XXXX AMOUNT : {$2200.00} XXXX XXXX  # : XXXX Amount : {$2200.00} CREDITOR : XXXX XXXX XXXX  # : XXXX AMOUNT : {$420.00} CREDITOR : XXXX XXXX XXXX # : XXXX AMOUNT : {$2000.00}
Consumer complaint received 2018-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit One LLC (FL)

On XX/XX/2018 I receive a bill in a letter form CREDITONE L.L.C. informing me of a debt on the amount of {$10000.00} I disputed this debt immediately by calling the Creditone LLC Manager Mr. XXXX XXXX at XXXX and notifying him so. Actually, I left a message on te answering machine informing him about my denial of such debt, which was registered by their Creditone File No : XXXX Their address is : Creditone LLC, XXXX XXXX, XXXX, LA XXXX
Consumer complaint received 2020-01-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (FL)

I inquired with US bank, my mortgage holder, about an equity line of credit as my septic system is needing replacing. I currently have a mortgage where I had financial assistance for the down payment of my home. The original down payment assistance was {$15000.00}. If I am in my home for at least five years, I will not have to pay it back but it shows up as an added lean on my home. Every year this lean goes down. The original was {$15000.00}, now it shows up as {$6000.00} on my mortgage, and now going into the 4th year in a few months it will be a {$3000.00} lean. I inquired if this would be an issue in getting an equity line of credit and was informed that I could not have 3 leans on the house, but all I would have to do is transfer the down payment assistance lean on to my new line of credit and it would be no issue. It is a down side that I would have to pay the amount that I wouldn't normally be expected to have to pay back, but I was more than willing as I am in a desperate situation with my septic. Well, fast forward a month of being put through the ringer for all sorts of information, and I have been declined for the loan - why? Because of the down payment assistance lean. I inquired further, stating I thought it would just transfer over to the line of credit. I was then told that that information I was originally given was incorrect, and that there was a recent change of policy. I find that unacceptable. My credit is now negatively impacted because US Bank 's employees are unsure of policies and are not informed of policy changes. I specifically asked in advance if it would be an issue, because I did not want my credit negatively impacted for NO REASON. Their solution is for me to APPLY FOR ANOTHER TYPE OF LOAN WITH THEM! Great, that would result in ANOTHER hard hit to my credit. And not to mention, how am I to know if I am being told the correct information again? Unacceptable business practices.
Consumer complaint received 2020-01-03
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: Mobiloans, LLC (TX)

In XX/XX/2019, I filed a dispute with XXXX  concerning my MobiLoans account that is on my credit report. MobiLoans was involved in a class action lawsuit, along with several other lenders. As part of the class action lawsuit, MobiLoans was supposed to remove their information from consumers credit reports. XXXX  said they verified the information as accurate, which is impossible, because how can XXXX   verify this information as accurate, when a court order says it has to be removed. Either way two parties are at-fault here. Mobiloans is at-fault for not removing the information, and XXXX is at-fault for verifying something as accurate when it isn't.
Consumer complaint received 2019-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (WI)

I received a letter from Synchrony bank notifying me about the closing of a credit card account that I never received. I did applied for this card and Iam just now aware that apparently was approved but i never have received this card. 

The problem is, that this letter is being sent to me after I was disputing a different issue with this bank, and I told them i was going to file a complaint against them for their wrongful practices. 

The bank claimed that they did not have my physical address, but apparently they do have it, otherwise i would've not had received this letter. 
In the letter, an account is being closed, a credit inquiry was done by the company which is apparently a card from XXXX XXXX store and the reasons they claim are obnocious. 

Iam including a letter sent to me today, exactly two days after my complaint to them because they denied me bank statements f all my accounts on a synchrony card.
Consumer complaint received 2019-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (TX)

I received notification today that a collection was added to my credit report in the amount of {$1100.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports This is a violation of my rights and I want this alleged debt removed from my credit report immediately