davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Yakima County Credit Service, INC (WA)

On XX/XX/18 I received a call from YCCS at the number XXXX. When I returned the call they demanded highly sensitive personal information but would not tell me who they represented or why they were calling. When I finally got them to admit to what they were and what service it was, they transferred me to another employee who, again, would not tell me the purpose or details of why they were calling. 

They demanded, without notifying me as to why : Full legal name Full address Any previous addresses Telephone number Partial Social Security Number and various other demands just to explain as to why they were calling so that I could even say if the phone number they called me on was the person they were looking for. 

They gave, even under repeated questioning as to the purpose of their call, zero answers or indication as to why they were calling. 

They also never sent me any written validation statement as to me owing any debt, as again I believe this call is a mistaken identity and in error, and only continued to demand I reveal my full legal identity and many other personal information points to a level of harassment that would constitute a scammer trying to swipe my identity.
Consumer complaint received 2018-07-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITY CREEK MORTGAGE CORP. (UT)

We applied for a loan with City Creek Mortgage Corp and we never received an official loan estimate even though we provided all of our information and even signed several documents. They only provided a costs worksheet that had the words " Get an official Loan Estimate before choosing a loan '' which we assumed they would provide to us. 

Several weeks go by and we never receive one. They sent us an email to rate lock but it happened differently than normal. They didn't provide an official loan estimate and they only asked for a verbal rate lock. Overall, pretty sketchy. 

In addition, we received an email that said our quoted closing costs of {$1700.00} to {$3000.00}, which they provided in their " costs worksheets '', were now {$5100.00}. Overall, it seems as though they're trying to snooker people. 

Lastly, they did not abide by certain provisions in the contract. They disregarded the provision for the splitting of closing costs between the buyer and the seller.
Consumer complaint received 2017-06-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

XXXX   XXXX  keeps trying to get my social security number so he can submit a mortgage application for me. I have told him several times my credit is not good enough. He wo n't stop calling me. I wo n't lie on an application.
Consumer complaint received 2018-07-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (NV)

AFNI NOW OWNS THIS XXXX DEBT. I HAVE DISPUTED WITH BOTH XXXX, AFNI, AND THE FCC. HERE IS MY STORY : AS A NEW CUSTOMER I WAS PROMISED A BUNDLE DEAL WITH XXXX AND XXXX XXXX FOR {$80.00}. I DID NOT WANT TV, BUT THEY TALKED ME INTO IT BECAUSE IT WAS SUCH A GOOD DEAL. I GOT MY FIRST BILL, IT WAS {$180.00} I CALLED THEM AND THEY ASSURED ME THAT MY NEW CUSTOMER REBATES HAVE NOT KICKED IN YET, TO WAIT 30 DAYS AND THEY SHOULD REFLECT. AFTER 30 DAYS.. ANOTHER BILL FOR {$150.00}. UNHAPPY I CALLED BACK AND THEY TOLD ME THAT THE PERSON THAT SET ME UP ON THE PLAN, DID IT WRONG!! AND THAT SINCE ITS BEEN 30 DAYS, THEY CANT CHANGE IT SO THEY HAD TO ESCALATE IT TO HIGHER MANAGEMENT. SO I DID. AND IT SOLVED NOTHING. I ESCALATED IT TO THE HIGHEST DEPARTMENT AND THEY TOLD ME THERE WAS NOTHING THEY COULD DO! HOW CAN THEY DO NOTHING WHEN THEY XXXX UP? NOT ME, THEM. THEN THEY STARTED BLAMING XXXX AND SAYING IT WAS THEIR FAULT, SO I GOT THEM ON A 3 WAY CALL AND FORCED THEM TO TALK AND XXXX ADMITTED FAULT SINCE THEY ARE THE ONES THAT SET ME UP WRONG. i WROTE A LETTER TO THE PRESIDENT, WHICH WAS THE HIGHEST THING I COULD DO WITHOUT HEIR USELESS SUPPORT AND THE PRESIDENT NEVER RESPONDED! I CANCELLED MY SERVICE AND THEY BILLED ME FOR THE REMAINING SUM OF THE CONTRACT FOR CANCELLING. THEY ROBBED ME. THEY DO THIS TO EVERYONE. ITS WRONG. THEY NOW SOLD MY ACCOUNT TO AFNI COLLECTIONS FOR A TOTAL AMOUNT OF {$1000.00}, I WOULD LIKE TO GET THIS DISPUTED. I contacted afni to dispute but have not heard back.
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

One Main Financial has made a hard inquiry for a credit line that I did not unauthorized and it is effecting my FICA score. In fact they made two hard inquires on two separate days a day apart from each other. I do not have any credit line with this company and it was an unauthorized hard inquiry to my credit. the dates of the inquiries are XX/XX/2017 and XX/XX/2017. I called One Main Financial and got nothing more than a run-a-round by their customer service representatives on multiple call by myself to them. That is the reason I am making this complaint.
Consumer complaint received 2018-07-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2018 I placed an international wire with my bank XXXX in the amount of XXXX with JP Morgan Chase being the middle man with XXXX XXXX In the XXXX to receive for one of there customers the money was never received to the customer and XXXX has sent 3 requests asking for the money to be return or an answer from XXXX to provide us answer where the money has gone and still NO responds from them .. I have called JP Morgan Chase for Answer No once can provide me any answers.
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, 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. (CA)

Citi 's website offers a " Credit Limit Increase Request '' that specifically says " A credit bureau report will not be requested ''. I requested the credit increase on the pretense that there would be no inquiry, and they immediately pulled my XXXX  credit report. They will not reverse the inquiry. 

I have timestamped photo evidence that Citi claimed my credit report would not be pulled.
Consumer complaint received 2018-07-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MI)

I have received two calls for a debt that doesn't belong to me but to my sibling. the first call was received at XXXX XXXX and resulted in a long message which i have saved. 1 minute 48 seconds. I believe the length was an attempt to state they had a discussion with my sibling, who lives on the opposite side of the country.

This caller identified herself as working for XXXX XXXX. 

They stated that they were calling this line to speak with said other party, which this has never been a number to reach them on and left a message as speaking to that party. 

The second call left a message 1minute 7 seconds, nearly identical message though a different caller.

Advising that some action would be taken if not contacted. Again this message is saved.

I have not received a call during either my waking hours or, during a non business working time to be able to answer my cell phone. I have read through the steps to handle this for future and passed the information on to my sibling.
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

XX/XX/18 Credit score was increased to XXXX good standing PER EMAIL BY EXPERIAN XX/XX/18 Credit score same score XXXX PER EMAIL BY EXPERIAN XX/XX/18 XXXXredit score deceased XXXX DROPPED 16 POINTS Called Experian XX/XX/18 talked to customer service, dispute, fraud department and each representative- INITIATED STANDARD OPERATING PROCEDURES ANSWERS. DISPUTE DEPT STATED EXPERIAN REEVALUATES CREDIT REPORT AND CAN DROP POINTS REALLY!!!!!!! ON WHAT FACTORS? EXPERIAN THINK CONSUMER ARE XXXX!!!!!!!!!!! 

VERY IMPORTANT INFORMATION REGARDING CREDIT REPORT REASON FOR FILING COMPLAINT WITH YOU- - no changes with hard inquiries, new accounts, credit limits, credit balances other then {$45.00} XXXX card on XX/XX/18 which does not warrant a 16 point drop! THE RATIO AND USAGE RATE ARE THE SAME AS REPORTED ON XX/XX/18. 

PLEASE RESOLVE ASAP-.EXPERIAN MAKES DECISIONS THAT RUIN CONSUMERS CREDIT RATING AND NOT TO GIVE ME FACTORS AS TO WHY A 16 POINT DROP IS UNETHICAL. 

Thank you.
Consumer complaint received 2018-07-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (CO)

I was mislead by PayPal Credit and forced to pay unnecessary interest. The paypal credit line of credit allows you to make purchases online using the paypal service and your line of credit which gives you a promotional period of 0 % APR for 6 months. If paid in full in 6 months there is no deferred interest, if not, the deferred interest is added to your account for the whole 6 months prior. The monthly statement, in bold letters includes a number that appears to be the amount to pay to avoid paying any interest, however it is really including promotional balances that have expired. this is very misleading, and caused me to miss the deadline to payoff some promotional balances. The misleading statement caused me to pay {$120.00} in deferred interest that I would have avoided if the statement had simply stated how much was due for promotional deferred interest and when it needed to be paid. 

Additionally, PayPal Credit has just out of the blue changed their terms for my line of credit. I don't really care about them making there be a minimum payment as much as changing the interest rate from an already high 19.9 % APR to now 25.9 % APR!!! That is absurd?! They raised the interest rate for no reason by 6 % APR. Considering prime rates have risen less than 1 % in the time this account has been opened a 6 % rate hike is excessive and a unfair to consumers.
Consumer complaint received 2018-07-19
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. (FL)

I've disputed information twice to have an item removed, The second time I SPECIFICALLY asked that the original creditor listed on the debt be verified by the company XXXX XXXX XXXX reporting the information as I have never had a contract or knowledge with any company named XXXX XXXX XXXX. The results returned " Remains '' with NO updates to the specific area I asked to be investigated. I had already lodged complaint against XXXX, XXXX   and XXXX with CFPB but was awaiting results from Experian to include them. This issue has also been reported to XXXX who has also acknowledged complaint.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Dispute requests attached below. After most recent dispute was unfounded, I contacted XXXX and was told there was a duplication of some sort made to my account and was assured this would be cleared up within the next business day. It has now been nearly XXXX weeks since that call.
Consumer complaint received 2018-07-19
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Reverse Mortgage Solutions, Inc. (AZ)

In preparation to close on my property on XX/XX/18, I requested a payoff statement from Reverse Mortgage Solutions ( RMS ). It was emailed to me on XX/XX/18 indicating a payoff balance of {$120000.00} that would be good thru XX/XX/XXXX. 

Without notifying me, RMS sent payoff information to XXXX XXXX with an additional fee of {$540.00} added. I contacted Customer Service at RMS to ask why and was told I was in default. The rep couldn't tell me why, thought it might be an appraisal. When I told her there had been no appraisal, she next said I was in violation because I had not returned the occupancy verification letter. I told her I had, and she put me on hold, at which time the call was disconnected. 

I called back again and spoke with a different customer service rep with whom I had to start completely over. She told me that my letter had indeed been received, but that she still could not tell why I was in default. She said someone would be in touch with me by the end of the week. I asked if it could be taken care of sooner, as my closing was occurring Friday morning. She suggested transferring me to a supervisor, to which I agreed. Instead, I got someone's voice mail, on which I left a message at XXXX XXXX on XX/XX/XXXX requesting a return call. It is now XX/XX/18 and I've received no return call. 

I next sent an email ( also a fax ) on XX/XX/XXXX detailing my efforts to clarify this issue in which I requested a response. Again, it is now more than a week later and I've received no response. I have attached the text of this email. 

My closing officer at XXXX XXXX called RMS customer service on XX/XX/18 and learned that RMS had indeed received my correspondence, that my case is under review and appears to have some problem about insurance. 

Having heard nothing, I sent an email on XX/XX/XXXX requesting an update. No response.
Consumer complaint received 2017-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tower Loan of Mississippi, Inc. (LA)

On  XXXX   XXXX ,  2017 i re ceived a phone call from Tower Loans ( I have a loan from them since  XXXX     2017 for a be d i bought ). The woman on the phone did not identify herself but I knew it was Tower Loans from the Caller ID. She said " Why do n ; t you  cone in today so we can give youa {$1000.00} loan. '' I said not hank you aI already have a lo an I m pa ying you. She then said,  XXXX   XXXX  you ned to come in and pay your past due amount. '' I said I do not have a pass due amount, Iit is not due until  XX/XX/XXXX . She argued with me and said no it was pass due on  XX/XX/XXXX .I said " No, I am looking at paperwork and it explicicty says  XX/XX/XXXX  '' my sone was near me as I had phone on speaker, so he heard the whole conversation - she said " Ma'am you need to come to  XXXX   XXXX  now and pay your late payment? I was then in tears and said i can not do that and cross the bridge at my age. I then heard someone in the background say - Oh you have the wrong account! My son then jumped on the phone and demanded they make an apology to me for harassing me. The manager refused. He said we will apologize for making her upset but not apologize for harassment. That 's my case. I have never in my life been late in a payment, I 'm  XXXX   years old, a nd always make payments on time and to be treated like this to a customer. Originally I only wanted an apology for harassment, now I want monetary damages. I hope they kept tapes of the phone call. It will prove my point
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (IL)

I had contacted mariner finance about the account showing closed and collections account on my credit reports and they said its not closed but went to a collection status when i missed XXXX payment. And now its currant and have been paying them and still shows closed on my credit reports with no payment history showing. So every payment i make doesnt show. And its not a closed account its still active. And they refuse to fix it .ive contacted there corporate office and left messages and no phone calls back to let them know whats going on. I would like this fixed cause it has dropped my score and 2 other people on this loan as well..
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I have submitted a request to have multiple inquires that I did not give authorization or have any knowledge of to be removed from my credit report. 
I am told that they are a statement of fact thus they will not remove them. I have provided documents stating that they are not facts or accurate and asked for they removal without success. 
The following inquires are inaccurate and without my consent : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-06-28
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: EQUIFAX, INC. (IL)

On XX/XX/XXXX I filed a CFPB complaint ( XXXX ) against Equifax for its refusal to provide information about a significant drop in my credit score preventing me from borrowing. I included a plot ( attached ) of my scores for the months in question, requesting Equifax to provide me with complete records including any derogatory information it had entered onto my credit file to make this happen. 

In its confusing short " form '' response a month later on XX/XX/XXXX, Equifax directs me to their website and also states it has sent me a letter in the mail on XX/XX/XXXX, three weeks before its online response. I did not receive any letters. Equifax should have sent its letter with its online response to CFPB. 

I am filing this complaint to again request Equifax to seriously and completely investigate my complaint, provide a list of all inputs to my credit file that made my credit score drop hugely, and mail its findings NOT to me but to CFPB so both CFPB and I can review it.
Consumer complaint received 2018-07-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (MD)

On XX/XX/2018, I received a call from XXXX XXXX of XXXX XXXX XXXX, XXXX, XXXX, debt collectors. My case number is # XXXX. She was calling about a XXXX XXXX on which I owed a balance of around {$7000.00}. She agreed to settle the case for {$4300.00}. I paid it and Ms. XXXX sent me a document releasing me from any further responsibility for the debt. 
This morning, I received a phone call from Mr. XXXX of XXXX XXXX XXXX, XXXX ( caller ID ), who gave me a call back number of XXXX, case no : XXXX, amount owed : {$7000.00}. Mr. XXXX said they had sent several letters to an old address to warn me that his law firm, who had power of attorney over the debt, was taking me to court and that I could pay upwards $ XXXX for the outstanding debt. I informed Mr. XXXX that I had already paid that debt. He began to yell at me telling me I paid the wrong people and that I should cancel that check and now deal with XXXX XXXX XXXX. He continued to tell me that no one else had power of attorney over the case, and I was going to see them in court. 

I called Ms. XXXX of XXXX XXXX XXXX. She said these debts go out en mass and sometimes there is overlap among other debt collectors. She asked me for Mr. XXXX information and said she would get her supervisor to give them a call. She also told me that I should not answer their calls anymore. 

I have had to pay a couple of other debt collectors, but there is no real way to check to see if these people are legitimate. They call you up, ask for you by name and then when you acknowledge that you are the person they are calling, they begin to ask you to verify sensitive information about yourself, social security, address, etc. Then you are expected to pay them the sums over the phone. There is no listing on XXXX for XXXX XXXX XXXX or XXXX XXXX XXXX, debt collectors. They say they've been mailing you information. They have not. I ask them to send the notice to my email. They refuse. They all feel like scam artists. Yet they tell me that what they are doing is covered under the law. 

I have proof I paid XXXX XXXX XXXX. I spoke with Ms. XXXX today to verify that the case has been settled through XXXX XXXX XXXX. But, I have no idea if these people at XXXX XXXX XXXX have any legitimate claim and I don't know if they are going to try to pursue this any further. It makes for a very stressful feeling. You are already stressed because you owe the debt. You finally are able to pay it and then these debt collectors begin to bandy it about, lie, harass and be argumentative, threatening you with court. And there is nothing you can do about it.
Consumer complaint received 2018-07-19
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: Amsher Collection Services, Inc. (FL)

I have an collection account on my XXXX  credit report under Amsher Collection Services that I have been disputing this account is not mine and I have been requesting written confirmation they keep adding this account to my credit. I need proof that this is my account. 

Thanks
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (CA)

I have tried to dispute an account with Discover bank in regards to charge offs but without success.This company has continued to violate the California Credit reporting act by reporting an account that was never charged off, it was merely settled after falling late a few months.
Consumer complaint received 2018-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (LA)

On Yesterday, XX/XX/2018, I updated my XXXX XXXX to see my score dropped 25 points because of a {$300.00} collection that I have no knowledge of from a company called Midwest Recovery systems. The original creditor company name is 12 XXXX XXXX. I do not know who that is nor do I have any type of contractual agreement with either company and feel this is fraudulent and predatory practices by these companies. 

Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
Consumer complaint received 2018-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

I have contacted XXXX XXXX regarding account XXXX on 2 different occasions thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have failey to verify according to law. This collection company is damaging my credit file and cant provide legal proof. Have also informed XXXX that I am a victim of identity theft and that this account is a result of identity theft as well.