davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

Freedom Mortgage repeatedly contacted us by email, phone and mail for months about refinancing our existing mortgage with them. We finally gave in because we were told it would be a fast, seamless process, since we are existing customers and we could take cash out at closing to consolidate debt. 

XXXX XXXX, a loan officer with Freedom Mortgage, told us it would take 4-6 weeks to close our refinance. We began the process XX/XX/XXXX, and it is now XX/XX/XXXX, with no closure in sight. We have gone weeks on end without being able to contact anyone working on our loan. Our daily emails and calls went unanswered. We submitted confidential information containing our SSNs, wages, checking account information, etc., for it to be ultimately lost and having to start over completely with a new representative. Freedom Mortgage refused to give us a secure place to upload documents but instead suggested we encrypt the emails containing privy info. Anyone knows that when you never encrypt emails, but then suddenly encrypt 1 or 2, it is a giant red flag to hackers. This is not a secure or safe recommendations to customers and puts someones identity in danger. 

We paid {$300.00} for an appraisal that is now moot and lost for good because there won't be a way to continue with the refinance process as they are asking for cash at closing, even though its a cash out refinance where we should be receiving {$17000.00} in cash at closing after paying off a second mortgage. We have an email from a customer service rep promising closure by XX/XX/XXXX. Never one time was cash to close mentioned to us throughout the process of this nightmare. We were under the impression that closing costs would be deducted from the net cash we'd be receiving at closing. 

The lack of response to our emails and phone calls is one thing ( just frustrating and unprofessional ) but to promise a seamless closure in 4-6 weeks, losing very confidential documentation, transferring us to multiple representatives and having to supply confidential documentation again and again, and dragging us, our family and credit, through the mud for months with no communication, no accurate truth in lending statement or explanation thereof, is a complete bait and switch and failure on the part of Freedom Mortgage. Freedom Mortgage is conducting negligent business practices, common-law fraud, unjust enrichment advertising practices, all while subjecting its customers to privacy law violations, putting customer credit and identity profiles at risk.
Consumer complaint received 2022-02-23
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. (MI)

I sent letters to the Experian Credit Bureau. The date of the last letter was on XX/XX/XXXX, XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX Balance {$5700.00}
Consumer complaint received 2020-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

XX/XX/XXXX & XX/XX/XXXX payments totaling {$110.00} paid for City of XXXX Property taxes of property XXXX XXXX XXXX XXXX XXXX , XXXX  , Georgia XXXX {$530.00} cashiers check # XXXX was paid to XXXX County Tax Commission for Property XXXX XXXX  XXXX XXXX, XXXX , Georgia XXXX on XX/XX/XXXX. 

PHH Mortgage ( XXXX ) was contacted via telephone, fax for Mortgage Loan account XXXX for XXXX XXXX XXXX property address XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. 
enclosed receipts attachments Mailing address : XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. 

i request a refund for interest due to the fact both county and city taxes were paid by XXXX XXXX Escrow account was for the amount for taxes the original loan payment was {$300.00}. 
phhmortgage.com Headquarters : XXXX XXXX XXXX, NJ Founded : 1977 Parent organization : PHH Corporation XXXX, XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I do not moniter my credit often, I see an ample amount of account showing on my credit profile that I have no knowledge of. I have contacted the credit bureaus via mail and none of my request are being responded to.
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

For XXXX XXXX XXXX XXXX XXXX, it is saying that the account is delinquent when it has been consolidated and taken over by XXXX XXXX. This account is also 12 years old and it is closed so it shouldn't even be on my credit report anymore being that it is a very old closed account that was consolidated 4 years ago. I have disputed this account with XXXX XXXX XXXX and XXXX XXXX and Transunion on several occasions pointing out the errors and they refuse to remove the account. There are 4 XXXX/XXXX on my credit report that do not belong there. It says Chapter XXXX Wage earner account in the remarks, but I have been out of bankruptcy for 2 years and have paid off these loans with a consolidation student loan 4 years ago. Please remove the 4 XXXX/XXXX accounts from my credit report. XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX   XXXX XXXX XXXX
Consumer complaint received 2020-02-28
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 have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that are opened. I also saw several recent inquiries. Seems like the person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries are not mine. Please take these unknown items off my report. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$4900.00} XXXX XXXX {$1300.00} USDOE/XXXX  XXXX {$65000.00} US DEP ED  XXXX {$25000.00} XXXX   XXXX {$2600.00} XXXX  XXXX XXXX {$700.00} XXXX/XXXX  XXXX {$2700.00} XXXX XXXX XXXX   XXXX {$1300.00} XXXX  XXXX XXXX  XXXX {$22000.00}
Consumer complaint received 2021-10-15
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. (NC)

TransUnion is reporting via 3rd Party ( reported to be XXXX ) a Chapter XXXX Dismissed Bankruptcy allegedly report to be in XXXX, XXXX. I contested this reporting directly with TransUnion in writing ( XX/XX/XXXX ) and they responded that it was reported by a 3rd Party ( XXXX ) to them. I then filed a Complaint ( XX/XX/XXXX ) in writing directly with XXXX after being told this was the reporting 3rd Party by TransUnion. Initially they gave me the " round around '' asking for identifying personal information that they had already been provided. I provided this info again as well as filed a Complaint ( XX/XX/XXXX attached ) against them with the NC Attorney General 's Office Consumer Protection Division. XXXX  then responded that the contested Bankruptcy information had been deleted from my file with them. I then in writing ( XX/XX/XXXX ) relayed that information along with another contest of the reporting to TransUnion and included the document ( attached ) from XXXX stating that the Bankruptcy filing had been removed from my file with them. TransUnion as a result started a " new '' Dispute investigation and on XX/XX/XXXX notified me that it was complete and the the 3rd Party had " verified '' the Bankruptcy information. That's not true or possible as XXXX themselves verified in writing that the information had been removed from their files just two weeks earlier. 

In addition the Federal Bankruptcy Clerk of Court as per US Bankruptcy Court Policy does not verify or report bankruptcy cases to any credit bureau 's or other such 3rd Party 's.
Consumer complaint received 2021-10-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AE)

In XXXX I short sale my home due to the market crashed. It was short sake through the XXXX program they had for XXXX families. I had a Home Equity Line of Credit and USAA had agree to release the lien because they took the settlement of about XXXX dollars. However few months later they froze my bank account and said it was due to non payment on the HELOC. They wouldnt unfreeze my account until we agreed on the remaining balance to be transferred into a unsecured loan. I had filled few complaints before and was told they will put derogatory Information on our credit report. Being in the military you can lose your job. Now the loan has been paid in full. However I received a letter in XX/XX/XXXX due to a recent audit the previous agreement was honored and remaining balance will be waived and credit report will be restore. Since they did not honored the previous agreement she forced into a loan. I had asked for the money I paid after the original settlement agreement. I keep getting the run around with no answer.
Consumer complaint received 2021-10-15
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: Synovus Bank (MA)

I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
Consumer complaint received 2021-10-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (CA)

I NEVER DID THIS. AND I'VE CONTACTED THEM AND XXXX AND THEY WON'T STOP MAKING THREATING PHONE CALLS..XXXX THREATENED TO BURN DOWN MY PLACE SAYS THEY DON'T CARE ABOUT IDENTITY THEFTED... I was paying this now r with my life. 
ATTACHED IS IDENTITY THEFTED LETTER TO THEM. NOT CARING THEY SAID..I WILL PAY R I WILL PAY WITH MY LIFE... THEY THREATENED TO HURT ME THE XXXX...
Consumer complaint received 2017-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (SC)

LVNV Funding received notice the end of XX/XX/XXXX advising that the account that was in their possession was not opened by me. It is now XX/XX/XXXX and they refuse to remove the account. I have been negatively affected and denied for product due to this issue.
Consumer complaint received 2017-09-27
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. (AL)

CBNA inquiry posted as a hard inquiry on XX/XX/XXXX.This inquiry was posted on my XXXX credit report. Ccb/ppc did the same thing on XX/XX/XXXX and it 's on my XXXX credit report still showing as a hard inquiry. I have n't given either my permission to run a check.
Consumer complaint received 2017-09-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc. (CO)

I had medical issues that I had to be addressed by a doctor. However bill was not billed correctly. I have been on XXXX for 3 years and have papers to prove this alone with medical cards from XXXX county. Professional finance XXXX XXXX. My medical card from XXXX date XX/XX/2014 department of health care number is XXXX also issued from XXXX county.
Consumer complaint received 2020-10-14
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: Santander Consumer USA Holdings Inc. (TX)

Santander Consumer USA is reporting a debt of {$17000.00} with a date of last activity of XX/XX/XXXX. In accordance with Texas Law they have gone beyond the statute of limitations to legally collect the debt and made no effort to do so. They continue as of today to report the debt on all three credit reports. This is reporting of zombie debt, a violation of FCRA and Texas Law. I sent them a letter on XX/XX/XXXX demanding the cease reporting the debt and delete it from my credit report. They refused to comply and continue to report the debt in violation of the law.
Consumer complaint received 2017-09-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

Shellpoint is acting negligent on a financial matter which is leading homeowner to foreclosure unnecessarily. At issue is an approved short sale whereby an extension was requested but denied because a previous extension had been granted however Shellpoint was negligent in not looking at that previous extension and realizing it was for only 7 days. Additionally every lender and servicer on earth understand that IRS tax liens take at a minimum of 30 days and up to 60 days to get resolved. Lenders and servicers as a course of business always allow for 2 extensions. Shellpoint was negligent in not reviewing the time on the 1st extension and grossly negligent in not even contacting 3rd party to discuss prior to denial of short sale extension request.
Consumer complaint received 2017-09-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (IL)

I opened a BMO Harris Smart Advantage Account on XXXX XXXX. There was an offer that I would receive a {$200.00} bonus if the new account received two qualifying direct deposits of at least {$300.00} or more within 90 days of account opening, and once that happened I would receive the bonus within 120 days. The deposits were made successfully in XXXX. When I called in XXXX to ask where my bonus was, they stated I had to wait at least 120 days. When I logged on to my account on XXXX XXXX to check if my bonus had posted, my account had been closed by BMO Harris. When I called and asked why, they stated my account had been dormant for 45 days and  that they closed. When I showed them that in the account disclosures a dormant account is classified as 3 years of inactivity, they said they could close my account at any time for any reason. I spoke with XXXX and XXXX XXXX in their call center. I find it extremely fraudulent for a bank to ensure you that you 'll receive your bonus in 120 days from account opening, and then close your account days shy of passing that boundry. Especially after calling and confirming that the bonus terms were met. I 've attached copies of my online statements showing the deposits were made, and when they closed my account. I also included the terms of the account that outline an account can be closed for dormancy reasons after 3 years.
Consumer complaint received 2017-09-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (OR)

Opened a home equity line of credit with US Bank in XXXX of XXXX. At the time I opened the credit line the representative at the bank said that in order to make payments on the line of credit I needed to open a checking account with the bank, transfer or deposit funds in the US Bank checking account monthly, and set up the equity line to automatically withdraw from the checking account to make the payment. I had no desire to sign up for a checking account, as I had no intention of moving my other banking to US Bank and did not want the hassle of maintaining and transferring money between multiple accounts, but did so anyway at the behest of the branch employees insisting that it was necessary to make the monthly payments. 

I made timely payments throughout the remainder of XXXX and into XXXX. At some point during that time period the branch employees encouraged me to downgrade my checking account from platinum to gold, to avoid fees for not carrying a large enough balance in my checking account. I told the branch employee that set up the checking account that I only intended to maintain enough of a balance to pay the equity line payment. Selling me that checking account in the first place was a mistake given that I never intended on carrying a $ 25,000+ balance. I made the change and continued to make my automatic payments to my equity line. The branch employee failed to inform me that the change in checking account type ( which I never wanted in the first place ) would result in an annual fee being added to my checking account. When the annual fee was charged it caused my checking account to have insufficient funds to pay my equity line, despite the automatic deposit into the checking account that I never wanted. 

The cascade of this ( starting in XXXX of XXXX ) is that I have been charged hundreds of dollars in overdraft fees for a checking account I was coerced into opening ( that was closed by US Bank ), been charged late fees on my equity line and given a 30 day credit late for a late payment on my equity line.
Consumer complaint received 2017-09-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OH)

I have a past due loan through XXXX XXXX/Navient which is in collection with XXXX. I recently checked the Navient website and discovered that they have the original K-12 loan categorized as a Higher Education loan. I requested copies of the original loan documentation as well as the interest rate history. I received two copies of the loan documentation, but no interest rate history. The loan is a variable rate based on a published rate. 

I reached someone at XXXX on XXXX XXXX. After disputing the categorization of the loan and the interest rate history ( until verified ), I was told that XXXX has no information or control over either. A manager then came onto the phone ( I did not request a manager, XXXX XXXX XXXX and after " splaining '' to me that Navient is a regulated company and surely it could not have made a mistake or an intentional mistake with the interest rate, he said that in fact XXXX could provide the interest rate history but only with a letter accelerating the balance due. ( They would not provide the interest rate history if I wanted to avoid acceleration. ) This was a blatant threat : do not request the interest rate history or we will no longer accept partial payments. 

Notwithstanding contractual rights, which they could have exercised at any time, I consider it an unfair practice to refuse to respond to a legitimate request for information without threatening to exercise a contractual right that they have chosen not to exercise for quite some time. Probably because I 've been making payments roughly equivalent to accrued interest. But were they charging the correct interest rate? I guess they will have to prove that in court when they sue me. Any class action lawyers out there who have heard of similar complaints?
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TN)

information is gathered since age of XXXX, in case of youngns less than that to record, gps trace, listen in etc.. including gathering of emails and phone numbers which are protected under the 4th ammendment and recently ruled on. 

If the police cant intercept nor can they fake a cell tower, then how in XXXX does these companies think that the american consumer is for sale? 

I dont care how you got the info. The fact that you posses it in the first place is a violation of law. We wouldnt want the XXXX to hear abt this ... would we? 

Once a charge is disputed ( and i always demand it in writing ) the corporation must then NOT call the consumer.multiple times they persist and call anyways. The FCC has ruled that this is illegal and fineable at XXXX per occurance.
Consumer complaint received 2022-02-23
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. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX To Whom It May Concern : I recently reiewed my credit report provided by your organization, and I am shocked to find several inconsistencies that are damaging my good name.. I expect this letter to promply resolve the pointed data which is reporting inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. 
Please review the following accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX  Account : XXXX XXXX, XXXX Account : XXXX XXXX  XXXX  Account : XXXX XXXX  Account : XXXX XXXX XXXX I am aware Section 609 requires you to have verifiable proof of this account belonging to me. Please send me a document with my signature otherwirse delete this account from my credit report. 

After you have finished my request, send me a copy of my credit report reflecting these changes. 

XXXX XXXX
Consumer complaint received 2022-02-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Keynote Consulting, Inc. (IL)

XXXX XXXX XXXX XXXX sold a fradulent account to keynote consultant 2 years ago. I contested the fradulent account through XXXX XXXX XXXX XXXX and keynote consultant and they both agreed to remove the fradulent account from my credit file. The collection account was removed from my account and keynote consultant retaliated against me and sold the account to a collection lawyer by the name of XXXX XXXX XXXX. 
I feel that these are illegal practices and they retsliateed against me because I filed a complaint about their deceptive practices. 
This make no sence that they would remove this fraudulent account t and then try and sue me. Your record will show that they agreed along with XXXX in XXXX to remove this fradulent account from my files then they came back illegally and sued me thats retaliation and illegal practices