davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (KY)

I originated my loan XX/XX/2018. I just received my new Escrow analysis that has left me with a {$1900.00} shortage. spread over the next 12 months this is increasing my mortgage payment by {$300.00}, making it now unaffordable. I have made calls to my insurance company, my city and my County, all of which have told me that nothing has changed in their billing. Upon further review I have found out that the title company that was hired to finish the closing process for my loan had taken the country auditors property value of a XXXX ( reporting as of 12 years ago when the home was purchased by the previous owner ) instead of my property value which was XXXX. Huntington not only had the appraised value, but also had the loan value to accurately estimate my taxes. but due to gross negligence they severely undercharged me, which is now putting me in a hardship for the next 12 months. this violates all FDCPA and UDAAP laws. under guidelines they can not sell me a loan that I can not afford. Huntington has essentially now made my home unaffordable, that throws me involuntarily in to potential default. The underwriters, and the title company should be held liable for their miscalculations. I should not have to bare the brunt of their mistake, and potentially lose my home.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (MA)

I was alerted by my credit card with XXXX XXXX  that my XXXX XXXX dropped XXXX points. When I checked to see why, I noticed that XXXX different banks conducted credit checks on me, none of which I requested. They were all conducted on XX/XX/XXXX. I tried to contact XXXX  XXXX XXXX XXXX XXXX and was told by an automated recording that " due to extenuating circumstances we are unable to help you right now. '' I spoke to someone at XXXX  XXXX and they were unable to help me because I don't have an account with them ( that is part of the problem, why are they running a credit check on me if I don't have an account with them ). At that point I stopped trying to call banks because none of them would help me. I froze my credit on all three credit bureaus and asked for a fraud alert to be put on my account for a year. I need these fraudulent inquiries removed from my report so my credit score can go back up. I used to have excellent credit. 

To summarize, on XX/XX/XXXX, the following banks conducted unauthorized credit checks that were not requested by me : 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 XXXXXXXX '' XXXX. " XXXX XXXX '' They all have a removal date of XX/XX/XXXX. 

Lastly, my personal information was compromised in a data breach from my employer this past spring. Yesterday I received a letter from XXXX XXXX  ( a company with which I have a credit card ) stating that they declined an application from me because they are concerned that someone is using my information fraudulently.
Consumer complaint received 2023-11-07
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: Experian Information Solutions Inc. (GA)

I have reached out to all three credit bureaus about the inaccuracy of my report. I have two bankruptcy on my credit profile which is preventing me from obtaining federal employmentXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX career this has been damaging me for years. Ive sent letters to bankruptcy court and they stated they do not report my information to the three credit bureaus. I reached out to XXXX XXXX and Experian they have failed to remove the public record. But they constantly send stall letters after I have asked for a full investigation and removal. This is a nightmare. They have been in violation of the FCRA and CFPB under 15.U.S.C 1681 604 the right to consumer privacy. Please remove this from my credit profile.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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
Consumer complaint received 2019-03-07
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. (IL)

I have been notified that the following fraudulent account XXXX XXXX XXXX XXXX acct XXXX and the following unauthorized inquires XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I have contacted Experian previously reporting this information did not belong to me but remains on my report. Please review the attached identity theft report number XXXX.
Consumer complaint received 2019-02-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (KS)

I recently reviewed my credit bureau and have a debt being reported by Commonwealth Financial for {$130.00} that shows as medical debt. I had insurance for XX/XX/2018 that was supposed to pay more on this debt. 

I never received a letter regarding this debt and when I went to the organization 's website they do not give an address. They only provide a phone number which I think violations the FDCPA because there is no way to send a dispute into them as they do not list their mailing address. 

As I do not owe this debt, it should be deleted from my credit bureau. I am consulting with an attorney regarding this matter.
Consumer complaint received 2019-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge 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: STATE FARM BANK, FSB (OH)

I sent you a complaint against STATE FARM BANK. Yes, you may say this is a duplicate. I have tried call them to discuss the issues. I have been on hold for over 30 minutes after recoding said 6 minute wait. 

I don't I don't have {$340.00} past due. I don't have this amount due as payment. 

They need to credit the FRAUD charges and re-evaluate amount due. There is a new charge for XXXX {$17.00} I told them when XXXX was removed not to allow auto bill from this company. They did allow this creditor XXXX called them again to credit this back. They charged two different card for this one charge. This card should have never been charged XXXX explained that to you in 2018 If not I won't pay another dime and will file CHAPTER??
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2019-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CT)

I have been paying back my student loans held by Navient for about 5 years now with a fixed payment plan ( the same amount is withdrawn every month on autopay ). On XX/XX/XXXX I directed an overpayment to a loan. 

Today ( XX/XX/XXXX ) I did a deep dive into my loans to check how repayment was going. I noticed that, though I was charged the same monthly amount, no money from my monthly payments had been going to the loan that I overpaid for the months of XX/XX/XXXX-XX/XX/XXXX. I also noticed that the next time that that particular loan was scheduled to be paid was XX/XX/XXXX, a full year after I had directed the overpayment. 

Obviously, my intent in overpaying a loan was to pay it off quicker, not defer payments and have the loan accrue interest while it was deferred. I had overpaid before and had never had this issue before. To my knowledge, I had not received any correspondence from Navient that would indicate that loan overpayments would defer future auto payments, nor was I given an option at the time of overpayment to choose whether or not I would like to defer future payments. 

I called Navient and they said that they would fix the issue. They would reset the payment calendar on that loan to reflect when I would begin payments ( in XX/XX/XXXX instead of XX/XX/XXXX ) and they would return interest that had been compounding on my overpaid loan. They also said that they would reallocate my previous payments retroactively to reflect my original intention, which was to have my regular monthly payments continue after an overpayment. 

I am filing this complaint for two reasons.

1 ) I am worried that Navient may not resolve this issue in a timely manner and in the way that they described to me on the phone. 

2 ) The practice of defaulting to loan deferment after an overpayment is deceitful. The intent of most overpayments is to pay a loan down more quickly. By defaulting to a deferment, Navient is ensuring that they are collecting interest on loans that have been overpaid. They are hoping that those in debt do not notice that certain loans are not in repayment because of an overpayment and are therefore collecting interest. 

I caught this problem, but I do not want others to have the same issue that I had.
Consumer complaint received 2019-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

my lease car was totaled in a car accident on XX/XX/2019. after my insurance paid the lease company they billed me for {$1400.00} on XX/XX/2019. I sent them a certified mail on XX/XX/2019 disputing this amount. I never heard from them no more. I was checking my annual free credit report in XX/XX/2019 and saw they reported negative information including a charge off. my excellent credit score dropped a lot.i disputed with the credit agencies with little success even sending them documentation. I contacted the lease company and they keep giving me the run around.the lease company is Hyundai motor finance. the credit reporting agencies are XXXX  and XXXX.
Consumer complaint received 2019-03-07
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: SYNCHRONY FINANCIAL (TX)

I purchased a XXXX on XXXX XXXX using my Synchrony Bank, XXXX store card. The camera was defective and I returned it via XXXX on XX/XX/XXXX. I have a receipt from XXXX reflecting this and it clearly shows on their website when searched using the tracking number XXXX. A credit was posted when XXXX received the shipment. In XXXX the credit was reversed. I reached out to XXXX twice and both times the rep stated that the item would be researched. I never received an email back or any form of response. Frustrated with XXXX, I then disputed with the credit card company. I provided copies of the XXXX shipping receipt that I received when I dropped the package off in XXXX. They placed a provisional credit. Then around XX/XX/XXXX they reversed the credit and sent me a letter stating that XXXX said that they did not receive a shipment back with the tracking number listed above and that I need to send proof that it was shipped. I have no other proof that the XXXX receipt and the evidence of the shipment back being received by XXXX warehouse in XXXX, KY. I am being defrauded of XXXX, I believe someone in the warehouse stole the contents of the package. I should not be paying for XXXX shrink. XXXX arranged for the return and has a relationship with the carrier therefore shipping terms should be FOB shipping point. In XXXX I placed a total of XXXX orders and XXXX XXXX orders. I am not financially hurting, I have paid little to no interest to Synchrony because I am financially secure enough to pay off my balance and capitalize on 5 % discount when using their card. I do not need to steal or lie from XXXX or anyone. But apparently XXXX needs to rob customer when items go missing between XXXX and the return dock and Synchrony assists since they blindly accepts XXXX word and not take the time to review evidence of check tracking number.Lesson has been learned to not buy electronics or items costing over {$50.00} from XXXX.
Consumer complaint received 2019-06-22
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

hello I will try to make this short. hsbc has claimed I did not make payment for 2 years now they want to foreclose. they also did the same thing 4 years ago. and in 2012. 
I have to keep going bankrupt to save the house I have ever single receipt. and they say that's not good enough. even my Lawyer is surprise. so I have to go bankrupt again. 
something has to happen to hsbc to cost me my credit. and giving me a heartattack. 



also, they would hold my check until after the XXXX and charge me a late fee this has been going on your years so I certified ever mortgage check so I wood know when they got them..
Consumer complaint received 2019-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (FL)

I was told i owe XXXX over medical bills that are not my responsibility at all. they claim i did it when i was underage around 16 years old now im XXXX trying to buy my first car and this is affecting my credit horribly how can they confuse this with me when i wasnt even legal ( 18 ) or know what its for. ni have two medical bills that i was never involved or responsible for the only thing that should be there is my XXXX XXXX and XXXX XXXX card
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I recently received a copy of my credit report where Ive noticed an account I previously disputed still reminds in my credit with comments if reinvestigatuin however the investigation has been ongoing for a year now and the bureau refuses to delete the account which clearly hasnt been verified and validated in addition the bureau has failed to provide proof of verification or validation within the required 30 days The account in question on with XXXX XXXX XXXX XXXX and the proof is attached of the credit report Also the bureau shows several account with no account details, payments, last date of activity this is unlawful and the accounts should be deleted ASAP
Consumer complaint received 2019-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Credit Corporation (GA)

Paid bill 2 weeks in advanced but they processed bill a week after due date, causing it to appear as though I was late. Moreover, now they send out bills within a couple of days of due date. This has affected my credit greatly and making it appear as though I'm late constantly! In trying to tell them that they're sending out bills late, Rep. Informed me that its not their fault about the US Mail. So I asked, why is it that the same courtesy is not afforded to me, as she stated that my payment may have gotten late because of US Mail. Rep. stated its not their responsibility to check for mail. This is ridiculous, they want to be absolved from sending out late payments while charging me for the same thing they are forgiving themselves for. Moreover, my payment was never late as it was not process promptly.
Consumer complaint received 2019-03-07
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. (AZ)

I recently moved from XXXX, NC to a temporary address in XXXX, AZ. I am attempting to get a mortgage to purchase a house which requires access to my credit reports. I froze all 3 of my credit reports 2 years ago when the XXXX  breach occurred. I saved the PIN numbers but can't find them since I moved. I was able to unfreeze my XXXX and XXXX reports online without the PIN. I am unable to unfreeze my Experian credit report online and I am not able to speak with a person at Experian on the phone. Experian requires me to send by snail mail various types of id verification documents which at this time since I moved and am living at a temporary place and all of my belongings are in storage it is hard to get. I would like to speak with someone at Experian or be able to do this online.
Consumer complaint received 2019-03-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (KY)

I have sent multiple letters to CITI/CBNA to verify the debt they are reporting to all three credit beuares negatively impacting my credit worthiness. CITI/CBNA has never contacted me back with a validation or responded to my letters. The amount they claim I owe is {$1500.00}, and I have submitted many of disputes in XX/XX/XXXX.
Consumer complaint received 2019-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK (CO)

My father had a XXXX and we wanted to send him to the XXXX. of XXXX  XXXX XXXX ( known as " XXXX '' ) to address XXXX XXXX caused by the XXXX. Unfortunately, Dad did not feel well enough to attend the program. We had put a down payment for the program on Discover Card. When Dad decided he could not attend, we advised XXXX that he would be unable to attend. XXXX informed us that they had not been paid the down payment because Dad had reported it as " fraud '' on his card. XXXX continues to inform us that they have never received the down payment for his attendance. However, Discover Card insists that the down payment was made through Discover card to XXXX. XXXX advises us that they have never been paid and Discover Card advises us that they paid XXXX. Discover Card is holding my father accountable but as far as we can tell, XXXX never received any funds from Discover Card. Then Discover Card " investigates '' this matter and finds against my father.
Consumer complaint received 2019-03-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (WA)

My name Is mr. XXXX residing in XXXX XXXX, XXXX. Somebody got into my Chase acount and depositors {$450.00} dollars and sent some quick pay XXXX thing to XXXX. The acount closed and became restricted I called and they said it shows it opened with my IP address and was done from my phone the day before I had XXXX to my name and {$290.00} direct deposit on XX/XX/XXXX by XXXX XXXX XXXX so that went all into review why would I quick pay when I have virtually no money. They are going to close my acount in 6 days and I did nothing. This guy XXXX from the fraud department said I cant do anything and was rude and blunt. He said my relationship will end. But I called the number in the letter I got and called the number and talked to XXXX he got me the funds located to the branch and I got it and XXXX said that was not possible even though on XX/XX/XXXX I was told it was. I would also look into XXXX because he gave me false information that caused distress on me. But really Im an honest guy and I would love to continue to bank with chase
Consumer complaint received 2019-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

Diversified consultants is reporting negative false information to all three major crediting reporting agencies XXXX me. I need copy of signed contract between me and diversified consultants with my wet signature. I have never signed a contract with diversified consultants and do not owe this debt. It needs to cease and desist on any collection and remove this false collection from my credit reports. I also demand any information they have and all statements dating back for 12 months to be sent to me with proof of my wet signature attached. I have contacted this company and they have refused to show proof I owe this debt and have failed to show I have a contract with them.
Consumer complaint received 2019-02-22
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. (CA)

My name is XXXX XXXX and I am writing this on behalf of my mom. 

XXXX XXXX Balance {$6900.00} Credit Card. I have never opened a credit card in my life. Credit Card date assigned XX/XX/XXXX. There are inquiry dates in XX/XX/XXXX. 
Inquiry for XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX. I don't speak English nor write, Called Consumer Services and Went to XXXX XXXX but they can not help me. 
I applied for the XXXX XXXX and during the application process we were told about this credit report. I don't know how to use the computer or apply for the credit.