davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MT)

We had an Insurance claim and the money went to the mortgage company. The work has been completed and inspected. We paid the contractor out of pocket and the mortgage company is not being reasonable in releasing the funds. We have provided everything they have asked for, sometimes submitting the same information twice and they have taken an unreasonable amount of time to release funds. They are very obviously withholding funds and taking longer than necessary to release funds. They have also stated certain things were not submitted correctly or that they weren't received when we can see what was submitted correctly and received right on their website.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

ALL OF MY CREDIT REPORTS HAVE NOT BEEN UPDATED AS OF XX/XX/XXXX MY CREDIT SCORE IS REFLECTED BY NOT REMOVING PAST ACCOUNTS I HAVE PAID DOWN DEPT AND IT IS NOT REMOVED FROM MY CREDIT REPORTS I AM TRYING TO GET OFF OF A ADJUSTABLE MORTGAGE BUT KEEP GETTING TURNED DOWN BECAUSE OF A LOW CREDIT SCORE.

IN XXXX I SUBMITTED A COMPLAINT TO THE CFPD AND IT WAS INVOLVING ANOTHER MEMBER OF MY FAMILY AND THE THE TRACES OF THAT COMPLAINT HAVE BEEN CLOSED BUT TRACES OF THOSE ACCOUNTS STILL ARE ON MY CREDIT REPORTS.
Consumer complaint received 2020-05-06
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. (AL)

In XXXX of 2020, I disputed an item that was fraudulent ( XXXX XXXX XXXX-acount # XXXX ) on my credit report with the three credit bureau XXXX XXXX  and Experian for this fraudulent account to be removed from my credit report. I asked for verification from XXXX XXXX which is self lender loan, to show me where I sign up for this account and how would this loan be paid for. I did not sign up for self lender and I placed fraud alert on my credit report So nothing else would come up on my report in my name fraudulently and addressed this issue with the credit bureau in my dispute letter that I don't know where this comes from. I also reached out to XXXX XXXX XXXX and could not receive any information from them so I'm reaching out to the cfpb to get some resolution to this fraudulent account that was placed in my name.Because clearly this is identity theft and no one is helping me with this matter. I don't know how much wood this was a loan that was set up in my name fraudulently and apparently whoever did it made two payments out of a bank account that clearly is not mine. But I'm not getting any response from the three credit bureaus or XXXX XXXX Bank. So I'm asking for an investigation to show me where I signed up for this loan and to have it removed from my credit report.
Consumer complaint received 2020-05-06
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. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2020-05-06
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. (MO)

I paid a collection account with XXXX on XX/XX/XXXX. XXXX reported to all credit reporting agencies on XX/XX/XXXX that the account was paid in full. 
I opened a dispute with Equifax on XX/XX/XXXX of XXXX disputing the account balance. I disputed through their online dispute process and uploaded a copy of the letter from XXXX stating the balance was paid in full. Equifax closed the dispute as consumer disputes, but balance still owed. I contacted Equifax on XX/XX/XXXX to inquire about the decision. Even though XXXX reported to them and I submitted the paid in full letter to them through their own online dispute portal, they still are reporting the account incorrectly and told me I have to open a new dispute, send in a copy of the letter along with a copy of my driver 's license and wait another 30-45 days for the dispute to be investigated. This is affecting my credit score and preventing me from obtaining a mortgage for a new home.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

During a XXXX  visit last XX/XX/XXXX, I applied for a XXXX XXXX  Financial Credit Card. I was approved with a credit limit of {$11000.00} and incurred {$2000.00} to be included in the 0 % interest promotion set to expire XX/XX/XXXX. Upon receipt of my first statement dated XX/XX/XXXX, I attempted to set up autopayments through Comenity Bank 's website ( the bank that issued my XXXX XXXX credit card ), but the site does not allow for auto  payments. As as result, I set up monthly payments from my checking account held at XXXX. These payments have been withdrawn from my account on the XXXX of every month since XXXX, XXXX. Last XX/XX/XXXX, I accessed the XXXX XXXX  website to inquire regarding COVID-19 assistance and discovered I had been incurring late and finance charges since XXXX, XXXX. This was quite the surprise since I have never received any further communications from XXXX XXXX  or Comenity Bank, much less a late or delinquent notice. Unbeknownst to me, my payments were arriving a mere 1-3 days late. I immediately called Comenity Bank and also initiated an investigation through XXXX. As a result of never having received any communication from them whatsoever, I requested these fees be removed from my account and ultimately from my credit reports. Attached are copies of my correspondence with Comenity. I believe applying these fees without any notice to me whatsoever yet reporting it to the credit bureaus constitutes unfair and deceptive business practices and violates the Fair Debt Collection Practices Act. I, therefore, seek your assistance in correcting this matter and obtaining a credit for the remaining fees incurred totaling {$180.00}. Thank you
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TRUIST FINANCIAL CORPORATION (TN)

In XX/XX/XXXX, I responded to a mailer that I received at my home from Suntrust/Truist Bank. I accepted an offer to open a credit card so that I could initiate a balance transfer with a stated interest rate of 4.75 % for 3 years. I was approved for the card and interest rate. When I received the card I called on XX/XX/XXXX and spoke to XXXX to perform the balance transfer over the telephone. XXXX again stated the interest rate would be 4.75 % for 36 months, ending on XX/XX/XXXX. I was told that the call was on a recorded line and I want somebody to listen to the call to verify that I was promised the interest rate that I list in this complaint. The balance transfer was scheduled and went through ( {$6800.00} ) with an agreed upon 3 % balance transfer fee and a 4.75 % interest rate for 36 months. I set up automatic payments to the bank through my checking account. On XX/XX/XXXX, I checked the account online and I saw that my interest rate was 15.5 %. I attempted to call on XXXX and was taken through an endless automatic phone tree and was never able to speak with an individual. On XX/XX/XXXX I got through to an individual named XXXX. XXXX said she was unable to assist me and she would get a supervisor. I held for nearly an hour to speak to supervisor XXXX. I was ultimately left to wither on hold for 90 minutes, and nobody ever returned to the phone. It is fraudulent to promise one interest rate and charge 3x that much. Further, it is corporately amoral to refuse to come to the telephone to assist your customers and resolve your fraudulent practices. I will post this story online in as many places as I am able, and will tell this story about Suntrust/Truist to anybody who will listen. Ultimately, I will pay off this card, close the account, and move all accounts out of Suntrust/Truist. This is a despicable way to treat customers. I have never had a late payment on any account I have with your bank. I will remove myself from your bank as quickly as I am able and will encourage others to do so, as well.
Consumer complaint received 2020-05-05
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. (TX)

I sent a dispute Starting XX/XX/XXXX to the Bureaus saying that the info was inaccurate and reported wrong, and wanted to them to update to paid as agreed. They just keep saying its verified without saying how or who verified the information.
Consumer complaint received 2019-06-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. ()

I am a customer of XXXX XXXX in XXXX Transfer of funds to banks JP MORGAN XXXX $ After I realized that the company I worked with was making a fraud I complained to the SEC complaint number XXXX I asked the American banks for my money back And they refused me. The bank knows that these accounts are of crooks, and does nothing.
Consumer complaint received 2020-05-06
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Lending Club Corp (IN)

The company, XXXX XXXX, was calling me multiple times a day, never leaving a message or information on how to call back. 

I blocked their phone number multiple times as I was not aware of what the call was about, only to be called back from different numbers, " Unknown '' numbers, and blocked numbers. 

I received a call on XX/XX/XXXX at XXXX from a gentleman at XXXX from XXXX. He did not verify any of my information, only my name, which there are obviously many people in the world with the same name. 

He advised of the balance of a former Lending Club loan and asked if I would like to take care of the debt today. I was unaware of the debt as I lost track of some of these debts in my time of being ill. I advised him that I would be interested in a settlement offer. He would not give me a dollar amount of the settlement offer, rather continued to ask me what I would pay. 

I offered {$2000.00} to settle the loan as that is all the money I have left from my Stimulus Check. The representative laughed and told me that was unreasonable and then went on telling me how this was a cash loan, when in fact it was not, and that my offer was not reasonable enough for him to do his job and submit the offer. He never asked what my situation was to fall behind ( In this case, XXXX XXXX XXXX XXXX XXXX  and extended hospitalization ), rather try his best to cut me down as a person. 

He continues to berate and belittle me and my financial situation. I asked why he was talking to me this way and he told me he can talk to me this was because he was a debt collector! 

As the conversation ensued, he continued to belittle and berate me and then told me I needed to " Man Up! '' and pay my debts.

As a former debt collector, the tone, demeanor, and absolute disrespect this man portrayed was mind blowing. As a manager of a debt collection agency for over 5 years, this was the worst display of  professionalism I have ever witnessed.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (FL)

COVID-19 arrived. 

I wrote a nice letter to AMEX, in XXXX of 2020, requesting a 3-month forbearance of payments, interest, and late fees, on my Hilton Honors credit card. 

They are still charging my account for payments and interest.
Consumer complaint received 2020-05-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: PRESTIGE FINANCIAL SERVICES INC (WI)

In XXXX of 2019 the vehicle was put in a chapter XXXX bankruptcy. by my significant other. I was unaware that my new vehicle was put in a bankruptcy because me and my husband are separated. When I found out I talked to the attorney and had my vehicle removed because I am a non-filing spouse. I contacted prestige financial to continue with my payments. Which I have been doing so ever since. I have not been late I have been calling in my payments or they have been calling me for the payment. I asked for a monthly statement they can not provide me with the monthly statement, I asked for a payout of exactly what I owed they could not give me any information. I have a account manager with prestige financial by the name of XXXX. me and her went back and forth about the car being wrote off as a bad debt on my credit report but yet I'm making payments and they can not provide me with any financial information regarding what I'm paying for. And that is the reason why I'm reaching out to you to see how can I resolve the situation or either get rid of the car.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I reached out to American Express to cancel my and my husbands Platinum American Express cards. I paid an annual fee for my card in XX/XX/XXXX of {$550.00} and my husband was charged an annual fee of {$170.00} in XXXX. 

Typically, when you cancel a card the annual fee is prorated and American Express returns the left over to the cardholder. In this case, since I asked to cancel the card in XXXX and I paid my annual fee in XXXX, I would get all my fees returned and my husband a prorated amount. 

( Also, I am the main card holder on the card. ) However, I was told if I canceled my card that I would get {$0.00} of my husbands annual fee refunded even though his card should have been prorated for 9 or 10  months and that fee refunded to us, American Express said they wouldn't prorate my husbands Platinum American Express because of a new policy they implemented in XXXX or XXXX. I've been an American  Express Platinum card holder for over 25 years, and I've never heard of such a dishonest, ridiculous and unfair policy. 

Why should they keep annual fees for the months where services have not and will not rendered. 

So, according to two American Express representative, I would not be reimbursed for my husbands prorated annual fee. They said my only option to retain any value of my husbands annual fee would be to covert my card from Platinum to Green. The Green has a annual fee of $ 150- {$170.00} for both of us, combined. 

However, one more catch, since I would need to switch to a Green card to get credit for my husbands prorated Platinum American Express, that the conversion of my Platinum Card to the Green Card would now be prorated instead of getting full credit for my {$550.00} Annual Fee I paid in XXXX. 

Therefore, instead of canceling my Platinum America Express cards and getting my {$550.00} and my husband 's prorated {$170.00} annual fees returned, I had to convert to the Green American Express for a cost of approximately {$200.00} for both of us. 

{$200.00} for a credit card we do not want, but it was the only way not to lose my husbands prorated fee. 

In these Covid times, this is unconscionable that I would have to pay for fees/services not rendered and be funneled into taking a Green credit card we did not want, in order to preserve value of my annual fee.
Consumer complaint received 2020-05-05
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX XXXX {$530.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$480.00}
Consumer complaint received 2020-05-06
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: ALLY FINANCIAL INC. (GA)

Ally acknowledges that they got full payment on XX/XX/2020 of the loan. There was an overpayment of over {$700.00}. I have been repeatedly contacted them for payment of the over payment. Countless phone calls and hours on hold and still no payment. Claim that it will take 15 days. Well over 18 days since payment received and still no payment ... .then get strange check for XXXX cents. No explantation. No money!
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

SOMEONE STOLE MY PHOTO ID AND USE MY SOCIAL SECURITY NUMBER AND OPEN SEVERAL ACCOUNT, LEASES, LOANS AND CREDIT CARDS WITH MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-05-06
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. (FL)

On my XXXX and Equifax report it's showing a closed account as opened and this account associated with XXXX XXXX has been closed since XX/XX/2016 and their still reporting new missed payments.
Consumer complaint received 2020-05-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I have been trying to get an update on the loan modification review for several months now and the bank just keeps playing games. I even have a counselor ( XXXX XXXX ) who is helping me try to save my home but they continue to play games with me. 

I don't know what else to because I am about to lose my home and its because they won't answer my requests and they only want us to talk to one person who is never available. How can you assign one single person to somebody's home and never call anyone back. 


We also tried to call the foreclosure attorney and left a couple voicemails for him to call us back. No response as well. 

This just seems like a scam from the lender and I don't know where else to go at this point! I have been complaint only get a run around from PHH.
Consumer complaint received 2020-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MI)

I refinanced my mortgage with the current mortgage holder. The loan officer stated orally and in writing several times that since I was refinancing a FHA mortgage that I would receive the funds in my escrow account back once the refi was completed ( around {$6000.00} ). 28 days passed and I received my escrow check back from my mortgage holder in the amount of {$260.00}. I contacted the loan officer about this and he said that the funds from my escrow were applied to the payoff of the FHA mortgage being refinanced. He further stated that this had to be done in order to get the proper loan to value on the refinance. I was never told this prior to the closing and was told multiple times that the money would ge returned to me. I would have continued shopping banks for my refi if I had been told this information. Now I am stuck with a homeowners insurance payment coming due on XX/XX/2020 that I either have to pay out of pocket or use the funds in my new escrow account from the refi, but this will leave me with an escrow shortage when my property taxes are paid this summer and increase my mortgage payment. Consequently, it appears that my refi ended up putting me in the same position that I was in prior to completing it, but with additional costs from the refi.
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX {$0.00} XXXX XXXX XXXX {$18000.00} XXXX/XXXX   XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1100.00}