davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (OH)

I purchased a bicycle from XXXX ( XXXX area ) for {$980.00}. At the store I was never told I owed interest after a one-year deadline. I also found ( 4 ) late fees totaling {$110.00} after I paid off the bike in XX/XX/2019. I called to complain because I had paid much more than the minimum asked every month. A man on the line for Comenity Bank said I shouldn't have had late fees if I paid more than minimum but put me on hold to check things.He later gave me {$15.00} then a total of {$45.00} off to bring my total to {$72.00}. I then paid the minimum of {$30.00} on XX/XX/XXXX to bring it down to {$42.00}. My year deadline was XX/XX/XXXX and after vacation I checked my bill ( after XX/XX/XXXX ) and it showed {$200.00}. They charged me {$150.00} interest plus some {$1.00} fee to make that total. I called again and a woman said there was nothing she could do and said on my statement in big " red '' print tells me of my deadline and interest to be charged. I received one paper bill and there is no red print telling me of this. I subsequently received electronic bills and paid on their website ( comenity.net/trek  ). No where on first electronic page or the page where I pay my bill does it say anything about a XX/XX/XXXX deadline. It does refer to " deferred plan interest info '' but nothing about MY interest and a XX/XX/XXXX deadline. They are involved in unfair and deceptive practices.I would have paid the late fees before XX/XX/XXXX as I only owed {$42.00} but I knew nothing about interest after a deadline. The bike sum has been paid, the late fees have been paid and I still owe {$160.00} interest.
Consumer complaint received 2015-06-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (FL)

I contacted all of them by phone, but since my ex-husband left withnothing but my cloths on my back, all documentations support, I do n't know what he did with everything I owned either, includingall my accounts, assets, personal information, birth certificate, drivers license, ss card, passport, etc. etc. He fled back to XXXX, used me for XXXX. I got the information from XXXX, complaint to them alsoand who to call to dispute and I did to all of them and also to credit bureau online. All the best ... ... XXXX XXXX number : XXXXMidland Funding LLCUS ( XXXX ) XXXX collector account numberXXXX $ XXXX collector XXXX $ XXXX XXXX XXXX XXXX XXXX {$400.00}
Consumer complaint received 2019-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MNS & Associates LLC (MA)

I spoke with a person at the return number left. He said he was calling from MNS to perform asset confirmation for a XXXX XXXX. I do not know anyone by that name and he does not reside at my residence. I told him several times and then said that he needed to remove me from his list and I would file a complaint
Consumer complaint received 2019-08-13
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: Mr. Cooper Group Inc. (FL)

Seterus, mortgage servicer for XXXX, reported late payments to all three credit bureaus while I was on a national declared disaster ( Hurricane Irma,  Florida ) forbearance and then a mutually agreed mortgage modification with Seterus. They directly reported a 150 day late on XX/XX/XXXX and reported as ND ( Not Due ) on every other month from XX/XX/XXXX thru XX/XX/XXXX. The 150 day late reported by Seterus on XX/XX/XXXX should also be reported as ND ( Not Due ) as I was on their forbearance and modification agreements, as attached. 
Seterus is involved in a number of law suits for reporting erroneous mortgage information and was subsequently forced by XXXX to transfer all servicing to Mr. Cooper which is now my XXXX servicer.
Consumer complaint received 2015-03-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (AL)

I financed my home with a local lender thinking support the community and of course the paper has been " sold '' at least XXXX. My mortgage now rests with Caliber Home Loans, XXXX. XXXX XXXX, XXXX, OH XXXX. I received an escrow analysis dated XXXX/XXXX/XX/XX/2015 which informed me of a shortage of {$2000.00} on XXXX/XXXX/XX/XX/2015 and my payments will increase from {$770.00}, which I have paid on time for the last XXXX months, to {$1000.00}. This is due to XXXX increase in premiums to {$3000.00}. I 've canceled XXXX on XXXX/XXXX/XX/XX/2015, expiration is XXXX/XXXX/XX/XX/2015, and changed insurance companies to XXXX starting XXXX/XXXX/XX/XX/2015. The premium is {$2000.00}. The principal and interest is {$560.00}
Consumer complaint received 2023-10-12
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-07-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

Ocwen Loan Servicing , LLC has not accounted for {$48000.00} in loan payments I sent in from XXXX XXXX thru XXXX XXXX. My account need to be adjusted to reflect a {$48000.00} principal reduction The Security and Exchange Commission is aware of the Defective Mortgage loan that 's a part of XXXX XXXX XXXX XXXX XXXX XXXX is a violation
Consumer complaint received 2017-09-13
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. (MT)

I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2019-08-13
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. (CO)

Equifax is incorrectly reporting me as an Authorized User on the XXXX XXXX CARD SERV – partial account number XXXX.  (Please see page 3 of the attached credit report.)  I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User to this account.  In addition, this card belonged to my mother who has since passed away.  They removed me as an Authorized User on XXXX and XXXX however Equifax has not removed this from my credit report.  I have contacted the bureau to fix this issue but I have not been successful.  This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I should n't have to pay for a freeze. This is ridiculous esp. after the XXXX  breach. I just want to protect myself, not make the credit bureaus lots of extra money for XXXX up.
Consumer complaint received 2017-09-13
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. (NY)

I filed a dispute with case number XXXX with Equifax. The case was responded to and closed today the XXXX of XXXX 2017. As usual of Equifax, they have refused to do any investigative work to resolve this issue. I attached letters from the company that did a hard inquiry into my file asking Equifax to delete the records. I am submitting these letters again for Equifax to revisit. 
I wish to plead with CFPB to compel this company to do the right thing and save us time. I intend to file a suit to compel them to remove these items since the company involved issued letters to that effect.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Lendmark Financial Services (NC)

I have enrolled in a debt consolidation program I was told by the agency to advise all my creditors of what I 'm doing I gave all the contact information As Told to the problem is that XXXX of XXXX XXXX nc is harassing me continue calling me and threatening to sue I have told them several times and I involved in the debt repair agency and I 'm doing what I was told by the debt agency but yet they continue to harass me and threaten me
Consumer complaint received 2017-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I filed bankruptcy and capital one was added to my bankruptcy i contacted them numerous times to have the card reported as bankruptcy but they keep updating it on my credit report as charged off. I need to have this debt validated showing i owe them and it was not included in bankruptcy
Consumer complaint received 2019-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Deposited a XXXX settlement check on Sat XX/XX/19 at XXXX XXXX  CST at the Bank of america atm at XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX originally said funds would be available to cover transactions on XX/XX/19 and available XX/XX/19 for withdrawl or debit card usage. Then Bank placed a hold on check till XX/XX/19 at XXXX XXXX  called bank of america and they explained they were unable to verify the check at time of deposit and would have to collect thru federal reserve and that was the date and time that the federal reserve said funds would be available and they could not release funds no matter what till that date and time because of federal reserve. I talked with federal reserve and they stated they do not hold funds for banks or give time frames to banks when funds would be available. Several transactions have been returned by bank since deposit and I have being charged an overdraft fee for each returned item when they have the funds
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXXXXXX 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 2019-08-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: HomeTown Lenders, LLC (CA)

We were pre-approved for a home loan with Hometown Lenders. After locating a home, providing an ernest payment, paying for the inspection, and providing all of the required documentation for a guaranteed USDA home loan, we still had not been cleared for closing after 45 days. After we passed this amount of time, and only after complaints by us and both real estate agents, we were told that ( among the other excuses for the delays ), our USDA guaranteed loan had been suspended several times. We were never advised this from the loan company. Our real estate agent was the one who informed us. We were told that we had, finally, completed all of the documentation needed to be submitted to the USDA, well over 45 days, but the turn around time for the USDA office was delayed, adding a significant amount of time to our closing. The loan company then offered to finance through a FHA based loan, with the addendum and contracts completed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with an email that stated we could close as early as XX/XX/XXXX. We completed all of the new documentation, as requested, and heard absolutely nothing from the loan company until only after expressing our hesitation about the continued delays and our consideration of cancelling everything. We were only told that they had received our documents, up to that point, but they now needed the seller 's addendum to proceed. We still have not received a closing date or any assurances that continuing with the process will actually result in a closing. We are highly concerned with the fact that we were never notified of the suspension of the loan status. The communication has been very poor and, despite concerns from all parties involved, we still do not have a resolution to the issue. Additionally, the company posted, on XXXX, about the quick closing for another client. This has, honestly, made us feel that this is all occurring because of the nature of the loans and the inability of us to qualify for a conventional type of loan. All contracts and emails available for your review.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MT)

I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2017-09-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (PA)

I have a monthly car note with XXXX XXXX XXXX of {$500.00} with a past due balance of {$980.00}. I would like full validation of the loan to prove I owe anything. And If it can not be proven to be paid in full.
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

The 30- and 60-day delinquency reflected on our credit reports from Santander Consumer USA for XXXX and XX/XX/XXXX are erroneous. Payments made on the account over the course of 7 years were current and paid in accordance with the information provided by Santander Consumer USA. In XX/XX/XXXX, the account information on Santanders website reflected our regular monthly payment of {$610.00} due on XX/XX/XXXX. However, on XX/XX/XXXX, we received notification of a 30 day late on our credit reports from Santander. On XX/XX/XXXX, we spoke with a representative at Santander and was told although the principal balance on the account was now paid in full, the account should have continued to advance, and regular monthly payments would go toward the remaining fees on the account, but did not. Apparently, only the online account advanced ; Therefore, she submitted a request for the account to continue advancing, in addition to the removal of the negative credit reporting. 
In XXXX, the account information provided by Santander reflected our regular monthly payment of {$610.00} due on XX/XX/XXXX. A few days later, we received notification of a 60 day late on our credit reports from Santander. We immediately called and was told the information provided by the representative on XX/XX/XXXX was incorrect, as well as our online account information. Santander has acknowledged their errors, but refuse to correct the negative impact on our credit report as a result of their errors. We have escalated this issue to management only to receive no return calls or resolutions. The negative credit reporting has caused severe financial hardships on our family. This experience has been surreal as we have never been delinquent in our 7 years with Santander. The account was paid per the information furnished by both Santanders online account and representative.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I May or may not be part of the XXXX credit information hack. I can not be certain since its been shown reliably that the XXXX  verification tool is giving out bogus information. And therefore now have to take proactive steps to ensure i 'm safe. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information, without my consent and I should not be required to pay them additional money to protect my information, Especially when companies like Trans union have in the last week redesigned their website to promote a " credit monitoring '' Service instead of linking directly to a credit freeze application. Thees " bureaus '' are doing a POOR job of protecting my information, then want me to pay them to protect it, FROM THEM The sheer hubris of this in light of the failures by negligence of their actions in the first place is astounding.. Thank you for taking time to read my complaint.
Consumer complaint received 2023-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

Have been a client with chase since XXXX. Opened a checking and savings account in XXXX and deposited a certified cashiers check from XXXX XXXX in the branch. Funds were made available and I moved them into my savings account. A day later my accounts had been frozen and then closed. I was told by chase they didnt have to tell me why and would mail me a check after 30 days. I had to fight with them for a week to get my lifes savings. The bank showed no remorse and I still do not know why they treated me with such content. I remember feeling ashamed and embarrassed. It seemed like all hope was lost until I was able to come across someone at the deposit/risk department who coordinated with the branch were I deposited the check to get my money back. I will make note that not even the branch employees understood chase reasoning and couldnt give me an answer as the risk team at chase would not reveal that information. Nothing like feeling left and discarded like trash at your worst moment when your down.
Consumer complaint received 2019-08-13
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (AL)

I have reached out several times disputing this late payment that is reporting for the month XXXX on my credit report ... 

I informed the rep my mail was being returned due to them sending the mail to the physical address instead of the PO BOX ... 

I was told on several occasions it takes 30-60 days to see the change corrected - removed ; however, it was never done.. 

Now each time I call they state that it will take an additional 30 days but it still has not been updated and here it is a year later.
Consumer complaint received 2017-09-13
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: EQUIFAX, INC. (TX)

I am unable to obtain credit report, credit score through Equifax. Also unable to freeze my credit file as a result. I call customer service daily and transferred from one group to another. Each group says the other group will fix. I am caught in a constant loop of no action. Today I spent 2 hours and 45 minutes on the phone with Equifax. I get a " tech support '' confirmation number and start the wait all over again. No one at Equifax can tell me what is actually wrong with my credit file other than there is a " discrepancy '' in my information @ Equifax, however, the representative can not tell me what the discrepancy is. I confirm all of my information by phone and the rep says it matches - yet still can not obtain a copy of my Equifax credit file. No one within Equifax can explain why I am unable to obtain a copy of my report, score, etc. I am unable to file a dispute on my report for the same reason. I can not obtain a free copy. I have attempted to pay for the report and it will not process. Photos I have attached to this complaint are examples of the ongoing issue like today 's 2 hour and 41 minute call. The emails received from my credit card company reflecting the charge for a product and the Equifax email stating failure to process ( which is an internal Equifax issue, not a credit card payment issue ). A photo of my email inbox for today with all of the Equifax orders the representative attempted to process while we were on the phone, to no avail. And have included a photo of the error received when trying to file a dispute.